career cluster resources for finance - michigan · identified 16 career clusters representing...
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C A R E E R C L U S T E R S — F O C U S I N G E D U C A T I O N O N T H E F U T U R E
Career Cluster Resourcesfor Finance
www.careerclusters.org
Table of Contents
Introduction Section I – Pathway Model Section II – Cluster Knowledge and Skills Section III – Pathway Knowledge and Skills Section IV – O*NET Crosswalk Report Section V – Cluster Profile and Advisory Committee Section VI – Credentials Section VII – Validation Overview/ Results Section VIII – Assessment Protocol
Certification Protocol
Introduction
The States’ Career Cluster Initiative 9/01/02
Charles Losh, Ph.D., Project Director
The U.S. Department of Education Office of Vocational and Adult Education (OVAE) has
identified 16 career clusters representing career opportunities for the 21st century economy. These
clusters will frame student opportunities as they pursue postsecondary education and a wide range of
career opportunities from front-line to professional and managerial careers.
Helping students make their dreams become a reality was the driving force behind the
nation’s Career Clusters initiative launched June 1, 2001. Twelve lead states and the District of
Columbia were partners in the development of the tools supporting eleven career clusters which,
when combined with the five clusters that have already been developed, will represent all career
possibilities.
The National Association of State Directors for Career and Technical Education
Consortium (NASDCTEc) and their Board of Directors assumed leadership for coordinating the
project. This in itself was unique for a project of this scope. The Board and the State Directors
organization believed that this initiative was of such potential impact on the Career Technical
delivery system in the country that they needed to play this leadership role in the project, assuring
that the materials had utility in their states once completed. Therefore, the NASDCTEc in
conjunction with the State of Oklahoma (the project fiscal agent) prepared and submitted a proposal
to OVAE in January of 2001. This proposal was funded at a $2.2 million dollar level, with
expectations of a second year of funding of $2.5 million. The plan to develop eleven curriculum
frameworks was very aggressive, given that each of the prior projects, designed to develop and pilot
test materials for a single cluster, had received in excess of $1 million dollars for their multiyear
development work.
The project was designed to establish curriculum frameworks and supportive materials for
each cluster, with a broad-based advisory committee for each cluster, led by a state. There was also
a National Advisory Committee consisting of members from each of the cluster committees, along
with other stakeholders. The National and State Cluster advisory committees were responsible for
identifying the frameworks, pathway and foundation knowledge and skills, and other supportive
materials. The committees included representatives from states, schools, education and training,
business and industry, associations, and others directly impacted by the materials.
The development of materials for each of the eleven clusters was led by a different state,
with business and industry at the helm. The lead states included: Idaho and Iowa (jointly leading the
Agriculture, Food and Natural Resources cluster), Pennsylvania (Architecture and Construction),
Ohio (Marketing, Sales and Service), North Dakota (Finance), West Virginia (Hospitality and
Tourism), South Carolina (Business, Management and Administration), Kentucky (Human
Services), Arkansas (Law, Public Safety and Security), North Carolina (Science, Technology,
Engineering and Mathematics), Michigan (Education and Training), and Oklahoma and the District
of Columbia/Washington D.C. (jointly leading the Government and Public Administration cluster).
The five additional career clusters included Health Science led by the State of Utah,
Manufacturing led by the State of Indiana, Arts, Audio Video Technology and Communications led
by the V-TECS Consortium, Information Technology led by the Educational Development Center,
Inc., and Transportation, Distribution and Logistics Cluster led by the State of Illinois. These
clusters plan to complete their work by June 30 of 2003.
To facilitate and coordinate the developmental work of the Cluster Initiative, staff was
identified and housed at the Oklahoma Department of Career and Technical Education. The staff
consisted of four Cluster Coordinators: Marsha Daves, Greg Dewald, Curtis Shumaker, and Pam
Stacey. Additionally, Denise Christy provided research and web development support, Lisa
Batchelder provided financial support, and Karan Smith provided administrative support.
Development work for the States’ Career Clusters Initiative began June 1, 2001, and the first
meeting of lead states, OVAE staff, and cluster staff was held in Oklahoma City in mid-June. At this
meeting, project objectives, general direction, timelines, and the initial research goals were
identified. This work continued through the fall and winter of 2001 and included the identification
of cluster advisory committee members, the development of cluster frameworks based on the
prototype cluster models provided by V-TECS, and the identification of occupations and draft
pathways along with degrees and certificates associated with the career specialties/occupations in
each of the clusters.
In January of 2002, the lead state teams were brought together in Phoenix to begin the
process of developing knowledge and skill statements for each of the cluster pathways and
foundations. Contracted writers and lead state cluster advisory committee members, depending upon
the decisions of cluster leadership, carried out this work. A part-time editor in Oklahoma provided
consistency across the cluster knowledge and skill statements. One concern that was addressed early
in the process was the need for a “common look and feel” across the clusters. Ultimately, this was
accomplished not only for the eleven clusters in the States’ Career Clusters Initiative, but also
through close cooperative relationships between the projects, all the cluster knowledge and skill
statements were developed (or retro-fitted) using the same format. This format includes a
knowledge/skill statement with associated performance elements and measurement criteria. This
format provides the tools needed for curriculum and assessment developers as they take the
materials to the classroom.
The National Advisory Committee met in March of 2002, and reviewed the curriculum
frameworks, credentials list, and lead state advisory committee memberships and structures, and
forwarded those materials to the Executive Committee for the Project. The Executive Committee,
made up of the Board of the NASDCTEc, also met in March, approved the materials and discussed
the future actions needed to assure implementation of the cluster materials.
Originally, the project was designed for a minimum of two years and was to include the
identification of 110 pilot test sites across the country, along with the development of assessments
and certifications for the clusters. The Office of Vocational and Adult Education, however,
determined in November of 2001 that the goals of the project were “too broad”, and terminated the
project as of September 30, 2002.
Development of the products needed for curriculum and assessment was fast-tracked, with
the knowledge and skill statements, performance elements and measurement criteria ready for
validation by July 15, 2002. This was the result of a major effort of lead state advisory committees
and staff responding to the shortened timeline and the need for quality product.
Given the efforts of the developmental teams, cluster advisory committee members were
able to review and validate the knowledge and skills and supporting elements. Additionally, a
national web-based validation was conducted from July 15 to August 15, 2002. All 50 states were
invited to a dissemination meeting held in Charleston, South Carolina Sept 13, 2002, where the
materials were distributed to participants for their use in updating their curriculum.
For further information on the status of the materials, go to the web-site,
http://www.careerclusters.org/.
Section I – Pathway Model
Plan
ning
, ser
vice
s for
fina
ncia
l and
inve
stm
ent p
lann
ing,
ban
king
, ins
uran
ce, a
nd b
usin
ess f
inan
cial
man
agem
ent.
Sample Career Specialties / Occupations
Pers
onal
Fin
anci
al A
dvis
or•T
ax P
repa
ratio
n• S
ales
A
gent
s, S
ecur
ities
, Com
mod
ities
•Inv
estm
ent
Adv
isor
s•B
roke
rage
Cle
rk (A
ssis
tant
) •D
evel
opm
ent O
ffic
ers
Acc
ount
ants
• Fi
nanc
ial A
naly
sts•
Trea
sure
rs,
Con
trolle
rs a
nd C
hief
Rev
enue
A
gent
s•A
udito
r•Ec
onom
ists
•Tax
Ex
amin
ers•
Col
lect
ors•
Rev
enue
Age
nts
Cre
dit A
naly
st•
Loan
Offi
cers
•Bill
and
Acc
ount
C
olle
ctor
s• T
elle
rs•L
oan
Proc
esso
rs•C
usto
mer
Se
rvic
e R
eps•
Dat
a Pr
oces
sors
•Acc
ount
ing•
Inte
rnal
A
udito
rs•C
ompl
ianc
e O
ffic
ers•
Title
Res
earc
hers
&
Exa
min
ers•
Abs
tract
ors•
Cre
dit R
epor
t Pr
ovid
ers•
Rep
osse
ssio
n A
gent
s•N
etw
ork
Serv
ices
•Ope
ratio
ns M
anag
ers•
Deb
t Cou
nsel
ors
Cla
ims A
gent
s, Ex
amin
ers,
and
Inve
stig
ator
s•
Cla
ims
Cle
rks•
Insu
ranc
e
App
rais
ers•
Und
erw
riter
s•
Act
uarie
s•Sa
les A
gent
s•C
usto
mer
Ser
vice
A
gent
s•Pr
oces
sing
Cle
rks•
Dire
ct M
arke
ting
Pathways
Fi
nanc
ial &
Inve
stm
ent P
lann
ing
B
usin
ess F
inan
cial
Man
agem
ent
Ba
nkin
g &
Rel
ated
Ser
vice
s
In
sura
nce
Serv
ices
Cluster K&S
C
lust
er k
now
ledg
e an
d sk
ills
♦
Aca
dem
ic F
ound
atio
ns ♦
Com
mun
icat
ions
♦Pr
oble
m S
olvi
ng a
nd C
ritic
al T
hink
ing
♦In
form
atio
n Te
chno
logy
App
licat
ions
♦ S
yste
ms
♦ S
afet
y, H
ealth
and
Env
ironm
enta
l ♦Le
ader
ship
and
Tea
mw
ork
♦Et
hics
and
Leg
al R
espo
nsib
ilitie
s ♦
Empl
oyab
ility
and
Car
eer D
evel
opm
ent ♦
Tech
nica
l Ski
lls
8/20
/200
2 4:
21 P
M
Section II – Cluster Knowledge and Skills
Cluster Knowledge and Skill Statement
Finance
Academic FoundationsApply reading skills to enhance financial career opportunities.Statement:
Performance Element: Use reading skills to interpret and understand information.Identify information sources.Measurement Criteria:Collect information from a variety of reliable sources.Measurement Criteria:Extract relevant information from information gathered.Measurement Criteria:
Performance Element: Use reading skills to interpret and understand information.Follow written instructions.Measurement Criteria:Apply written information to correctly perform task.Measurement Criteria:
Apply writing skills to enhance financial career opportunities.Statement:Performance Element: Employ effective grammar to communicate in writing.
Use correct grammar.Measurement Criteria:Use correct spelling.Measurement Criteria:Use correct punctuation.Measurement Criteria:Write complete sentences.Measurement Criteria:
Performance Element: Select appropriate programs/software to produce business documents.
Format business letters.Measurement Criteria:Format memo.Measurement Criteria:Format e-mails.Measurement Criteria:
Apply mathematics skills to enhance financial career opportunities.Statement:Performance Element: Employ numbers and operations to solve mathematical problems.
Recognize relationships among numbers.Measurement Criteria:Apply operations correctly.Measurement Criteria:Calculate computations successfully.Measurement Criteria:
Performance Element: Use mathematical skills to make business decisions.Predict reasonable estimations.Measurement Criteria:Utilize ratios successfully.Measurement Criteria:Apply statistical methods in data analysis.Measurement Criteria:Analyze data to assure proper decision.Measurement Criteria:
Apply economic skills to enhance financial career opportunities.Statement:Performance Element: Use economic skills to determine the role of global economics.
Identify foreign factors.Measurement Criteria:Determine currency exchange.Measurement Criteria:Evaluate foreign risk.Measurement Criteria:
Performance Element: Analyze regional and national economics to determine their roles.in the total financial picture.
Identify demographic data.Measurement Criteria:Identify geographical data.Measurement Criteria:Identify socioeconomic data.Measurement Criteria:
Saturday, August 24, 2002 Page 1 of 13
Cluster Knowledge and Skill Statement
Finance
CommunicationsComprehend and use reading strategies to learn meaning, technical concepts, and vocabulary and follow directions.
Statement:
Performance Element: Determine and use reading strategy (skimming, reading for detail, reading for meaning and critical analysis) to determine purpose of text.
Use reading strategy to achieve intended purpose.Measurement Criteria:Identify purpose of text.Measurement Criteria:Identify complexity of text.Measurement Criteria:Explain purpose of text.Measurement Criteria:
Performance Element: Analyze information read to learn meaning, technical concepts, vocabulary, and follow directions.
Determine relevance, accuracy, and appropriateness to purpose.Measurement Criteria:Identify complexities and discrepancies in information.Measurement Criteria:Analyze information presented in a variety of formats such as tables, lists, and figures.
Measurement Criteria:
Identify key technical concepts and vocabulary.Measurement Criteria:Follow all instructions as specifically given.Measurement Criteria:
Performance Element: Interpret, transcribe and communicate information, data, and observations to apply information learned from reading to actual practice.
Explain meaning of new terms, vocabulary and concepts.Measurement Criteria:Interpret technical materials used.Measurement Criteria:Summarize overall meaning of text.Measurement Criteria:Write specific steps for applying information learned to task or new situation.
Measurement Criteria:
Write set of directions for others sharing information learned and applying that to task or new situation.
Measurement Criteria:
Locate, organize, and reference written information from reliable sources to communicate with co-workers and customers.
Statement:
Performance Element: Locate written information to communicate with co-workers and customers.
Identify topic.Measurement Criteria:Conduct information search using card catalog, keywords, and/or search engines.
Measurement Criteria:
Locate variety of resources such as books, journals, and magazines.
Measurement Criteria:
Locate information from electronic forms including the Internet.Measurement Criteria:Organize resources to use key information.Measurement Criteria:
Performance Element: Organize information to use in written and oral communications.
Read and take notes from selected resources.Measurement Criteria:Prepare outline that emphasizes major points with supporting data.
Measurement Criteria:
Present information in organized, easy-to-follow manner.Measurement Criteria:Prepare working bibliography according to MLA, APA, CBE, Chicago, depending on the warranted language style.
Measurement Criteria:
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Cluster Knowledge and Skill Statement
Finance
Performance Element: Document the source and proper reference to use in written information.
Prepare a bibliography according to MLA, APA, CBE, Chicago, depending on the warranted language style.
Measurement Criteria:
Use parenthetical, footnotes and endnotes text citations accurately.
Measurement Criteria:
Follow plagiarism and copyright rules and regulations.Measurement Criteria:Use correct grammar, punctuation, and terminology to write and edit documents.Statement:
Performance Element: Compose multi-paragraph writing clearly, succinctly, and accurately to write documents.
Organize and arrange information for effective coherence.Measurement Criteria:Report relevant information in order of occurrence.Measurement Criteria:Interpret information, data, and observations correctly.Measurement Criteria:Present main ideas and supporting facts.Measurement Criteria:
Performance Element: Use description of audience and purpose to prepare written documents.
Use technical terms and concepts.Measurement Criteria:Incorporate and use references effectively and accurately.Measurement Criteria:Report objective and/or subjective information.Measurement Criteria:
Performance Element: Use correct grammar, spelling, punctuation, and capitalization to prepare written documents.
Use correct grammar and sentence structure.Measurement Criteria:Use correct spelling.Measurement Criteria:Use correct punctuation and capitalization.Measurement Criteria:
Performance Element: Use computer skills to design and develop written and supporting material.
Use word processing software to develop text, charts, graphs, or figures correctly.
Measurement Criteria:
Use presentation software to prepare visual support materials.Measurement Criteria:Format written documents with appropriate font and layout for easy reading.
Measurement Criteria:
Develop and deliver formal and informal presentations using appropriate media to engage and inform audiences.
Statement:
Performance Element: Prepare oral presentation to provide information for intended purpose and audience.
Know subject matter well enough to be independent of written aids.
Measurement Criteria:
Identify characteristics of the audience and adjust to their ability to understand.
Measurement Criteria:
Use technical terms and concepts correctly.Measurement Criteria:Use proper organization and structure to achieve coherence of major points.
Measurement Criteria:
Saturday, August 24, 2002 Page 3 of 13
Cluster Knowledge and Skill Statement
Finance
Performance Element: Identify and prepare support materials to accompany oral presentation.
Identify media and visual aids appropriate to understand topic.Measurement Criteria:Prepare visual aids and support materials for easy viewing and without error.
Measurement Criteria:
Operate any equipment used with support materials smoothly and efficiently.
Measurement Criteria:
Adhere to basic visual communication principles.Measurement Criteria:Rehearse presentation as needed.Measurement Criteria:
Performance Element: Deliver presentation to sustain listener’s attention and interest.Deliver presentation without grammatical error.Measurement Criteria:Speak clearly with appropriate volume, rate, and gestures while making and maintaining appropriate eye contact.
Measurement Criteria:
Use support materials in the presentation that enhance understanding of the topic and the interest level of the audience.
Measurement Criteria:
Stay within presentation time parameters.Measurement Criteria:Evaluate listeners' interest and receptiveness.Measurement Criteria:Use verbal and nonverbal feedback strategies to engage discussion and adjust message and delivery.
Measurement Criteria:
Respond to questions and comments to presentation.Measurement Criteria:Interpret verbal and nonverbal behaviors to enhance communication with co-workers and clients/participants.
Statement:
Performance Element: Interpret verbal behaviors to enhance communication.Identify verbal cues.Measurement Criteria:Observe voice speed, voice quality and tone.Measurement Criteria:Explain message conveyed by verbal behaviors.Measurement Criteria:
Performance Element: Interpret nonverbal behaviors to enhance communication.Identify nonverbal cues.Measurement Criteria:Observe eye contact, facial expressions, posture, gestures, and other body language.
Measurement Criteria:
Explain message conveyed by nonverbal behaviors.Measurement Criteria:Apply active listening skills to obtain and clarify information.Statement:
Performance Element: Interpret message/information given to clarify information.Determine familiarity of discussion.Measurement Criteria:Respond accordingly using appropriate verbal and non verbal language.
Measurement Criteria:
Explain the message given in your own words.Measurement Criteria:Performance Element: Respond with restatement and clarification techniques to clarify information.
Ask questions to seek or confirm understanding.Measurement Criteria:Paraphrase and/or repeat information.Measurement Criteria:Record and summarize information in written notes.Measurement Criteria:Follow directions and/or respond in a positive way with clear, concise comments.
Measurement Criteria:
Saturday, August 24, 2002 Page 4 of 13
Cluster Knowledge and Skill Statement
Finance
Interpret and use tables, charts, and figures to support written and oral communication.Statement:Performance Element: Develop tables, charts, and figures to support written and oral communications.
Compile and arrange facts in organized manner for a table, chart, or figure.
Measurement Criteria:
Document sources of data.Measurement Criteria:Determine most appropriate way to display data for effective coherence.
Measurement Criteria:
Prepare table, chart, graph, or figure for inclusion in publication or presentation.
Measurement Criteria:
Performance Element: Interpret tables, charts, and figures used to support written and oral communication.
Evaluate reference or source of data for authenticity and reliability.
Measurement Criteria:
Explain information presented in tables, charts, and figures.Measurement Criteria:Prepare written summary of findings expressed in tables, charts, and figures.
Measurement Criteria:
Saturday, August 24, 2002 Page 5 of 13
Cluster Knowledge and Skill Statement
Finance
Problem Solving and Critical ThinkingApply problem solving and critical thinking skills to resolve a problem.Statement:
Performance Element: Determine appropriate strategies to solve problems.Identify the problem.Measurement Criteria:Determine possible solutions.Measurement Criteria:Involve appropriate people.Measurement Criteria:Review possible solutions.Measurement Criteria:Determine best solution.Measurement Criteria:
Performance Element: Use group consensus strategy to solve a problem.Communicate solution to people involved.Measurement Criteria:Check for understanding.Measurement Criteria:Prioritize implementation steps.Measurement Criteria:Apply strategy to the problem.Measurement Criteria:
Saturday, August 24, 2002 Page 6 of 13
Cluster Knowledge and Skill Statement
Finance
Information Technology ApplicationsDevelop and access a database to manage general information.Statement:
Performance Element: Use a database to organize customer information.Create database.Measurement Criteria:Access customer information.Measurement Criteria:Analyze customer information.Measurement Criteria:Interpret information to meet customer needs.Measurement Criteria:
Performance Element: Use computer technology to organize company information.Create database.Measurement Criteria:Access company information.Measurement Criteria:Analyze company information.Measurement Criteria:Interpret information to meet company objectives.Measurement Criteria:
Apply technological tools to expedite workflow.Statement:Performance Element: Use available technology tools to increase work efficiency.
Use a telephone system.Measurement Criteria:Use an e-mail system.Measurement Criteria:Use a word processing program.Measurement Criteria:Use a database program.Measurement Criteria:Use a spreadsheet program.Measurement Criteria:Use the Internet.Measurement Criteria:
Performance Element: Integrate available technology tools to process and perform services.
Enhance customer service.Measurement Criteria:Improve company profitability.Measurement Criteria:Increase employee productivity.Measurement Criteria:Demonstrate presentation software to support presentations.Measurement Criteria:
Saturday, August 24, 2002 Page 7 of 13
Cluster Knowledge and Skill Statement
Finance
SystemsExamine current events to determine their impact on the financial industry.Statement:
Performance Element: Interpret financial elements to determine impact on consumer behavior.
Consider jobless rate.Measurement Criteria:Consider current economic conditions.Measurement Criteria:Consider individual risk tolerance.Measurement Criteria:Consider income level.Measurement Criteria:
Performance Element: Interpret laws and regulations to determine the role of government in the financial industry.
Identify tax implications.Measurement Criteria:Identify federal programs and regulations.Measurement Criteria:Identify state programs.Measurement Criteria:Identify municipal programs.Measurement Criteria:Determine the influence of the Federal Reserve Board.Measurement Criteria:
Performance Element: Interpret world events to determine the impact of international affairs on the financial industry.
Review trade agreements.Measurement Criteria:Explain military conflicts.Measurement Criteria:Explain economic conditions of other nations.Measurement Criteria:Evaluate foreign policy relations.Measurement Criteria:
Saturday, August 24, 2002 Page 8 of 13
Cluster Knowledge and Skill Statement
Finance
Safety, Health, and EnvironmentalImplement safe and secure environmental controls to enhance productivity.Statement:
Performance Element: Acquire knowledge of federal and state regulations to support a safe environment.
Identify applicable regulations.Measurement Criteria:Implement procedures for compliance.Measurement Criteria:Recognize penalties for noncompliance.Measurement Criteria:
Performance Element: Evaluate security issues to minimize loss.Identify causes of risk.Measurement Criteria:Take routine security precautions.Measurement Criteria:Apply procedures to handle and report workplace security and safety infractions.
Measurement Criteria:
Saturday, August 24, 2002 Page 9 of 13
Cluster Knowledge and Skill Statement
Finance
Leadership and TeamworkManage resources to achieve company goals.Statement:
Performance Element: Exhibit leadership ability to manage staff.Staff the business operation adequately.Measurement Criteria:Implement techniques to motivate staff.Measurement Criteria:Resolve employee complaints and grievances.Measurement Criteria:Assess employee performance.Measurement Criteria:Maintain fiscal control of the business.Measurement Criteria:Maximize efficiencies.Measurement Criteria:
Performance Element: Foster teamwork to improve quality of work.Employ techniques to build employee morale.Measurement Criteria:Participate as a team member.Measurement Criteria:Demonstrate interpersonal skills in team working relationships.Measurement Criteria:Demonstrate patience and nonjudgmental attitude.Measurement Criteria:Encourage cooperation between departments/levels.Measurement Criteria:
Saturday, August 24, 2002 Page 10 of 13
Cluster Knowledge and Skill Statement
Finance
Ethics and Legal ResponsibilitiesPractice ethical behavior to instill trust and confidence.Statement:
Performance Element: Exhibit professional conduct to build trust.Exhibit respect for others.Measurement Criteria:Accept responsibility for actions.Measurement Criteria:Demonstrate honesty and integrity.Measurement Criteria:Select products to meet customer needs.Measurement Criteria:
Performance Element: Interpret industry laws and regulations to assure compliance.Apply industry regulations to business practices.Measurement Criteria:Research specific information regarding laws and regulations.Measurement Criteria:Identify major regulations that apply to specific situations.Measurement Criteria:Conduct business within regulatory guidelines.Measurement Criteria:
Analyze practices of the finance industry to determine ethics and social responsibilities.Statement:Performance Element: Apply ethical practices and responsibilities to business operations.
Explain the difference between an ethical business practice and a legal responsibility.
Measurement Criteria:
Identify the ethical issues in a given situation.Measurement Criteria:Explain alternative strategies to address unethical and illegal actions.
Measurement Criteria:
Saturday, August 24, 2002 Page 11 of 13
Cluster Knowledge and Skill Statement
Finance
Employability and Career DevelopmentDevelop employability skills to obtain a career in finance.Statement:
Performance Element: Identify job requirements and characteristics to secure a position.
Identify personal interests and aptitudes.Measurement Criteria:Analyze career information.Measurement Criteria:Identify career skills required.Measurement Criteria:Identify educational and credential requirements.Measurement Criteria:Determine employer expectations.Measurement Criteria:
Performance Element: Obtain necessary skills and knowledge to meet position requirements.
Obtain required education.Measurement Criteria:Obtain credentials and certifications.Measurement Criteria:
Pursue career development skills to advance in the financial world.Statement:Performance Element: Apply skills to meet or exceed employer expectations.
Demonstrate regular attendance.Measurement Criteria:Exhibit pride in work.Measurement Criteria:Display initiative.Measurement Criteria:Embrace change and flexibility.Measurement Criteria:Demonstrate willingness to learn new knowledge and skills.Measurement Criteria:
Performance Element: Participate in job-enhancing activities to achieve career success.
Participate in industry’s organizations and associations.Measurement Criteria:Participate in civic organizations.Measurement Criteria:Participate in corporate events.Measurement Criteria:Continue educational training.Measurement Criteria:
Exhibit personal skills needed to succeed in the workplace.Statement:Performance Element: Apply personal skills and talents to enhance work performance.
Demonstrate self-discipline.Measurement Criteria:Demonstrate self-worth.Measurement Criteria:Demonstrate leadership.Measurement Criteria:Demonstrate teamwork.Measurement Criteria:Demonstrate integrity.Measurement Criteria:Maintain a positive attitude.Measurement Criteria:Handle stress in an appropriate manner.Measurement Criteria:
Saturday, August 24, 2002 Page 12 of 13
Cluster Knowledge and Skill Statement
Finance
Technical SkillsUse computer and electronic skills to perform job functions in the financial industry.Statement:
Performance Element: Operate appropriate equipment to perform specific job functions.
Operate calculator correctly.Measurement Criteria:Operate computer with related software.Measurement Criteria:Operate presentation equipment.Measurement Criteria:
Performance Element: Apply fundamental finance concepts to perform professionally.Demonstrate accounting procedures.Measurement Criteria:Demonstrate marketing principles.Measurement Criteria:Utilize customer service skills.Measurement Criteria:
Saturday, August 24, 2002 Page 13 of 13
Section III – Pathway Knowledge and Skills
FinancePATHWAY: Financial & Investment Planning
Pathway Topic: Product KnowledgePathway KS Statement: Examine characteristics to distinguish between stocks, bonds, and commodities.
Performance Element: Compare stocks, bonds, and commodities to determine advantages.
Define stock, bond, and commodity.Measurement Criteria: Determine appropriate use of stocks, bonds, and commodities.Measurement Criteria:
Performance Element: Process stocks, bonds, and commodity investments to calculate rates of return.
Identify initial investment.Measurement Criteria: Identify the current value of the investment.Measurement Criteria: Identify the length of time the investment is held.Measurement Criteria: Calculate the performance of the investment product.Measurement Criteria:
Performance Element: Process stocks, bonds, and commodity investments to assess the risks involved.
List the risks of owning stocks, bonds, and commodities.Measurement Criteria: Determine the acceptable risk tolerance of owning stocks, bonds, and commodities.
Measurement Criteria:
Pathway KS Statement: Examine characteristics to distinguish between insurance and annuity products.
Performance Element: Compare insurance and annuities to determine advantages.Define insurance and annuity.Measurement Criteria: Determine appropriate use of insurance and annuities.Measurement Criteria:
Performance Element: Process information to explain insurable risk.Identify risk hazards and perils.Measurement Criteria: Describe the four risk management techniques.Measurement Criteria:
Performance Element: Compare term and whole life insurance to determine advantages.
List the characteristics of term and whole life insurance.Measurement Criteria: Determine appropriate use of term and whole life insurance.Measurement Criteria:
Performance Element: Describe the two basic types of annuities to meet client needs.Define immediate annuity and deferred annuity.Measurement Criteria: Determine appropriate use of immediate annuity and deferred annuity.
Measurement Criteria:
Performance Element: Process annuity investment to calculate the return on investment.
Identify the amount of the initial annuity contribution.Measurement Criteria: Identify the current value of the annuity contribution.Measurement Criteria: Identify the length of time the annuity is held.Measurement Criteria:
Pathway KS Statement: Examine characteristics to distinguish between secured and unsecured credit.
Performance Element: Compare secured and unsecured credit to determine
Saturday, August 24, 2002 Page 1 of 19
FinancePathway Topic: Product Knowledge
advantages.Define secured and unsecured credit.Measurement Criteria: Identify the sources of secured and unsecured credit.Measurement Criteria: Determine appropriate use of secured and unsecured credit.Measurement Criteria:
Performance Element: Compare secured vs. unsecured credit to arrive at cost factors and determine advantages.
Determine the annual percentage rate of interest.Measurement Criteria: Determine the length of the repayment period.Measurement Criteria: Determine the initial costs.Measurement Criteria:
Pathway KS Statement: Follow appropriate steps to develop an investment plan.
Performance Element: Prepare money management documents to meet needs of client.
Develop an income and expense statement.Measurement Criteria: Develop a balance sheet.Measurement Criteria:
Performance Element: Review family needs to identify risk tolerance.Compare risk and reward.Measurement Criteria: Define inflation, industry, market, and interest rate risks.Measurement Criteria: Analyze time issues of families in various stages of life cycle.Measurement Criteria:
Performance Element: Process information to project rates of return.Compare rates of return between stocks, bonds, savings instruments, and annuities.
Measurement Criteria:
Analyze risks associated with stocks, bonds, savings instruments, and annuities.
Measurement Criteria:
Performance Element: Select appropriate investment to provide desired rate of return.
Match individual life cycle stages with appropriate risks.Measurement Criteria: Match individual life cycle stages with appropriate investment vehicles.
Measurement Criteria:
Pathway KS Statement: Develop a financial plan to address client needs.Performance Element: Review client’s financial information to determine current financial situation.
Interpret a balance sheet.Measurement Criteria: Analyze expenditure patterns.Measurement Criteria: Interpret a tax return.Measurement Criteria:
Performance Element: Review appropriate information to set financial goals.Define goals.Measurement Criteria: List five typical financial goals for members in each life cycle stage.
Measurement Criteria:
Design an implementation plan.Measurement Criteria: Describe an evaluation process appropriate to financial planning.
Measurement Criteria:
Saturday, August 24, 2002 Page 2 of 19
FinancePathway Topic: Product Knowledge
Performance Element: Review appropriate information to recommend a financial plan.
Describe alternative mediums/methods for presenting a financial plan.
Measurement Criteria:
Develop two methods of soliciting feedback from clients.Measurement Criteria: Performance Element: Review appropriate information to evaluate the success of a financial plan.
Calculate the rate of return on investments.Measurement Criteria: Compare goals and outcomes of the plan.Measurement Criteria: Review a plan for appropriate actions/implementation.Measurement Criteria:
Pathway KS Statement: Use tax preparation procedures to determine tax liability.
Performance Element: Review previous tax returns to establish a client tax history.Describe the five filing statuses.Measurement Criteria: List sources of income.Measurement Criteria: List sources of deductions taken.Measurement Criteria: Determine if estimated taxes were paid.Measurement Criteria:
Performance Element: Review income, deductions, and credits to determine current financial position.
List types of income, deductions, and credits.Measurement Criteria: Calculate the tax benefit of a deduction and credit.Measurement Criteria: Calculate the cost of income sources.Measurement Criteria:
Performance Element: Reference the latest tax code to guide tax return preparation.Identify the purpose of tax forms and schedules.Measurement Criteria: Accurately complete the form.Measurement Criteria: Accurately calculate the tax liability.Measurement Criteria:
Pathway Topic: Federal/State RegulationsPathway KS Statement: Review most current state and federal regulations to apply the tax code professionally.
Performance Element: Check earnings and sources to establish gross income.List types of income that are taxable.Measurement Criteria: List types of income that are non-taxable.Measurement Criteria:
Performance Element: Examine all qualifying conditions to determine tax exclusions.List seven tax exclusions.Measurement Criteria: Calculate the cash benefit of an identified tax exclusion.Measurement Criteria:
Performance Element: Review life-style and family status to determine a tax deduction.
List seven basic types of itemized deductions.Measurement Criteria: Calculate the cash benefit of an identified tax deduction.Measurement Criteria:
Performance Element: Examine state and federal laws to identify tax credits.List five tax credits.Measurement Criteria:
Saturday, August 24, 2002 Page 3 of 19
FinancePathway Topic: Federal/State Regulations
Calculate the cash benefit of an identified tax credit.Measurement Criteria: Performance Element: Explain estimated tax payments to help client manage unanticipated income.
Explain the rules requiring estimated tax payments.Measurement Criteria: Determine types of clients who may need to use estimated tax payments.
Measurement Criteria:
Performance Element: Review the purpose of tax reporting forms to properly complete six basic schedules and forms.
Differentiate between Forms 1040, 1040A and 1040EZ.Measurement Criteria: Explain the use of Schedule A.Measurement Criteria: Explain the use of Schedule B.Measurement Criteria: Explain the use of Schedule D.Measurement Criteria:
Pathway KS Statement: Research the regulatory requirements of financial and investment planning and security sales to assure compliance with codes.
Performance Element: Examine federal publications to identify the regulatory requirements of federal agencies.
Explain the requirements of the Securities Exchange Commission.
Measurement Criteria:
Explain the requirements of the CFTC.Measurement Criteria: Performance Element: Review appropriate state and self-regulatory materials to identify regulatory requirements.
Explain the requirements for an identified state.Measurement Criteria: Explain the requirements of the NASD.Measurement Criteria:
Pathway KS Statement: Plan appropriate education activities to achieve licensing and certification requirements.
Performance Element: Examine licensing requirements to complement career goals.Identify the purpose of licensing.Measurement Criteria: Identify which groups govern licensing procedures.Measurement Criteria: Identify the three most often used components of licensing.Measurement Criteria: Identify examination requirements for particular investment products or advice.
Measurement Criteria:
Performance Element: Examine certification requirements to plan career goals.Identify the purpose of certification.Measurement Criteria: Identify which groups govern certification procedures.Measurement Criteria: Identify the three most often used components of certification.Measurement Criteria:
Pathway Topic: Customer ServicePathway KS Statement: Use appropriate methods to communicate with clients.
Performance Element: Use people skills to greet and dismiss clients.Welcome the client.Measurement Criteria: Direct the client.Measurement Criteria: Treat the client in a courteous manner.Measurement Criteria:
Saturday, August 24, 2002 Page 4 of 19
FinancePathway Topic: Customer Service
Performance Element: Use appropriate responses to address client inquiries.Provide the client with accurate and necessary information.Measurement Criteria: Reflect company policy in responses.Measurement Criteria: Address client inquiries in a polite and courteous manner.Measurement Criteria:
Performance Element: Use appropriate methods to handle telephone and electronic communication.
Respond to the inquiries.Measurement Criteria: Communicate in a professional and courteous manner.Measurement Criteria: Record and forward information accurately.Measurement Criteria:
Pathway KS Statement: Exercise appropriate techniques to interview clients.Performance Element: Identify ways to gather information.
Describe an information intake form.Measurement Criteria: Describe methods for verbally gathering information.Measurement Criteria:
Performance Element: Use telephone and in-person methods to interview clients.Explain telephone interviewing.Measurement Criteria: Describe in-person interviewing.Measurement Criteria:
Performance Element: Ask well-planned questions to conduct an effective interview.Plan follow-up questions.Measurement Criteria: Use open-ended questions.Measurement Criteria: Use close-ended questions.Measurement Criteria:
Pathway KS Statement: Use people skills to conduct client conferences.Performance Element: Develop an agenda to conduct a client conference.
Develop a basic agenda for the first client conference.Measurement Criteria: Develop an agenda for a client conference to make recommendations.
Measurement Criteria:
Develop an agenda for a client conference to discuss implementation plan.
Measurement Criteria:
Develop a basic agenda for an evaluative client conference.Measurement Criteria: Performance Element: Use various presentation mediums to conduct a client conference.
Use graphs and charts.Measurement Criteria: Use verbal interaction when appropriate.Measurement Criteria: Prepare follows-up materials to present to clients.Measurement Criteria:
Pathway KS Statement: Review client financial information to develop a client’s account statement.
Performance Element: Explain the purpose of a client's account statement to enhance client awareness.
Include all pertinent information on every client communication.
Measurement Criteria:
Define at least three other uses for client account statements.Measurement Criteria: Performance Element: Format client account statements to reflect current status.
Differentiate between types of data for client account Measurement Criteria:
Saturday, August 24, 2002 Page 5 of 19
FinancePathway Topic: Customer Service
statements.Explain the use of transaction information.Measurement Criteria: Explain the purpose of financial status information.Measurement Criteria: Verify that clients can read and interpret account statements.Measurement Criteria:
Pathway KS Statement: Employ people skills to respond to client complaints.Performance Element: Outline a process to address client complaints.
Listen to client complaints.Measurement Criteria: Identify the underlying cause of complaints.Measurement Criteria: Describe alternative methods of addressing client complaints.Measurement Criteria:
Performance Element: Experiment with methods to address client complaints.Describe written responses to complaints.Measurement Criteria: Describe verbal responses to complaints.Measurement Criteria: Write a response to a client complaint.Measurement Criteria: Write a script to respond to a client complaint.Measurement Criteria:
Performance Element: Develop follow-up procedures to demonstrate concern for client complaints.
Explain why follow-up is important.Measurement Criteria: Determine methods of following-up on client complaints.Measurement Criteria: Write a follow-up plan.Measurement Criteria:
Pathway Topic: Financial PlanningPathway KS Statement: Examine client’s money management patterns to determine a client’s financial situation.
Performance Element: Review a client's current financial situation to determine net worth.
Identify needed documents to calculate a client's net worth.Measurement Criteria: Calculate a client's net worth.Measurement Criteria:
Performance Element: Review a client's income and expenditures to determine cash flow.
List documents needed to calculate a client's income and expenditures.
Measurement Criteria:
Calculate a client's monthly or annual income.Measurement Criteria: Calculate a client's monthly or annual expenditures.Measurement Criteria:
Performance Element: Review a client's financial information to determine tax liability.
Determine the tax liability for the previous year.Measurement Criteria: Calculate estimated taxes for the current year.Measurement Criteria:
Pathway KS Statement: Develop procedures to create a financial plan.Performance Element: Guide the client through effective planning to establish financial goals.
Determine a client's life-cycle stage.Measurement Criteria: List five financial goals for each life-cycle stage.Measurement Criteria: Identify the insurable risks.Measurement Criteria:
Saturday, August 24, 2002 Page 6 of 19
FinancePathway Topic: Financial Planning
Identify five financial goals.Measurement Criteria: Identify the investment risks.Measurement Criteria: Determine how the plan will be evaluated.Measurement Criteria:
Performance Element: Make financial recommendations to meet client needs.Write a financial plan.Measurement Criteria: Plan the presentation to client.Measurement Criteria: Present the financial plan.Measurement Criteria: Develop an action plan.Measurement Criteria:
Performance Element: Evaluate the financial plan to determine realization of goals.Calculate the rate of return on investments.Measurement Criteria: Compare goals to outcomes of the plan.Measurement Criteria: Make an action plan for implementing recommendations.Measurement Criteria:
Pathway KS Statement: Describe procedures necessary to execute financial transactions.
Performance Element: Examine asset management to determine advantages.Differentiate between a financial product and a financial service.
Measurement Criteria:
Compare and contrast brokerage services and asset management services.
Measurement Criteria:
Evaluate the advantages of offering asset management services.Measurement Criteria: Performance Element: Describe the documentation necessary to execute financial transactions.
Summarize the rules and procedures governing new accounts.Measurement Criteria: Explain the importance of knowing the financial and investment needs of the client.
Measurement Criteria:
Identify necessary information on a new account form.Measurement Criteria:
Pathway Topic: OperationsPathway KS Statement: Use financial information to manage client records.
Performance Element: Use organizational skills to maintain accurate client records.Describe laws and regulations relevant to client record management.
Measurement Criteria:
Describe a basic record management system.Measurement Criteria: Identify software for client records.Measurement Criteria:
Performance Element: Use invoicing and billing systems to organize records of company activities.
Explain the difference between invoicing and receiving payments.
Measurement Criteria:
Differentiate between fee-for-service, commission, and hourly fee structures.
Measurement Criteria:
Identify software for invoice and billing systems.Measurement Criteria: Pathway KS Statement: Develop procedures to adhere to compliance plan.
Performance Element: Describe the procedures to maintain a compliance plan.
Saturday, August 24, 2002 Page 7 of 19
FinancePathway Topic: Operations
Identify standardized rules for the financial planning industry.Measurement Criteria: Describe the best practices to comply with industry rules.Measurement Criteria:
Pathway KS Statement: Use data bases and other computer management tools to manage office records.
Performance Element: Maintain office records to insure accuracy and compliance with regulations.
Describe the laws and regulations associated with record management.
Measurement Criteria:
Describe a basic record management system.Measurement Criteria: Identify software to maintain a firm’s record systems.Measurement Criteria:
Performance Element: Maintain time records to insure accuracy.Describe the purpose of maintaining time records.Measurement Criteria: Identify individuals who should keep time records.Measurement Criteria: Describe methods to keep time and billing records.Measurement Criteria:
Saturday, August 24, 2002 Page 8 of 19
FinancePATHWAY: Business Financial Management
Pathway Topic: Planning and BudgetingPathway KS Statement: Interpret financial data to develop short- and long-term budgetary plans.
Performance Element: Analyze past and current budgets to determine financial business needs.
Review revenues.Measurement Criteria: Review expenditures.Measurement Criteria: Identify trends.Measurement Criteria: Determine priorities.Measurement Criteria: Investigate abnormalities.Measurement Criteria: Report conclusions based on data.Measurement Criteria:
Performance Element: Prepare a planning budget to guide financial decision-making.Project revenues.Measurement Criteria: Identify expenditures for business activities.Measurement Criteria: Determine cash flow and profit margin requirements.Measurement Criteria: Justify changes.Measurement Criteria: Organize information in a logical and understandable format.Measurement Criteria: Illustrate information with the use of charts, tables, and graphs.Measurement Criteria:
Performance Element: Implement budget to manage financial decision-making.Monitor revenues.Measurement Criteria: Monitor expenditures.Measurement Criteria: Examine and explain variances between budget and actual results.
Measurement Criteria:
Pathway Topic: Analyze and Interpret DataPathway KS Statement: Analyze and interpret financial data to produce accurate reports.
Performance Element: Describe financial statements to explain the need for accurate reports.
Describe the different types of financial statements.Measurement Criteria: Explain the purpose of a financial statement.Measurement Criteria: Compare the differences in financial statements.Measurement Criteria:
Performance Element: Analyze financial statements to verify information.Identify critical data.Measurement Criteria: Identify relative timelines.Measurement Criteria: Determine trends.Measurement Criteria: Interpret trend indicators.Measurement Criteria: Compare ratios/standards.Measurement Criteria: Identify causes.Measurement Criteria: Identify problems or areas of concern.Measurement Criteria: Assess potential impacts.Measurement Criteria:
Pathway Topic: Accounting
Saturday, August 24, 2002 Page 9 of 19
FinancePathway Topic: Accounting
Pathway KS Statement: Examine accounting system elements to demonstrate good accounting practices.
Performance Element: Analyze financial information to demonstrate an understanding of the accounting equation.
Identify parts of the accounting equation.Measurement Criteria: Classify accounts as assets, liabilities, and owner’s equity.Measurement Criteria: Record business transactions to track business activities.Measurement Criteria: Create a chart of accounts to reflect financial business needs.Measurement Criteria: Identify asset accounts.Measurement Criteria: Identify liability accounts.Measurement Criteria: Open accounts in a general ledger.Measurement Criteria: Open subsidiary ledgers.Measurement Criteria:
Performance Element: Analyze financial activities to record business transactions.Journalize transactions in appropriate journals.Measurement Criteria: Post from journals to ledgers.Measurement Criteria: Prepare a trail balance.Measurement Criteria: Journalize and post adjusting and closing entries.Measurement Criteria: Close the general ledger.Measurement Criteria:
Pathway KS Statement: Compile business transaction data to report financial information.
Performance Element: Organize accounting elements to prepare financial statements.Prepare a balance sheet.Measurement Criteria: Prepare an income statement.Measurement Criteria: Prepare a cash flow statement.Measurement Criteria:
Pathway Topic: Tax ManagementPathway KS Statement: Analyze tax structures and consequences to assist in business decision-making.
Performance Element: Compare tax structures to differentiate between types of business taxes
List types of taxes required of businesses.Measurement Criteria: List characteristics of different taxes.Measurement Criteria: Determine appropriate business structure for overall tax purposes.
Measurement Criteria:
Identify various taxing authorities to determine the relationship to business.
Measurement Criteria:
List various taxing authorities.Measurement Criteria: Identify required financial information for each taxing authority.
Measurement Criteria:
Performance Element: Evaluate accrual methods to determine tax effects.Calculate the tax effects of various accrual methods.Measurement Criteria: Compare tax effects of various methods.Measurement Criteria:
Performance Element: Evaluate inventory methods to determine tax effects.
Saturday, August 24, 2002 Page 10 of 19
FinancePathway Topic: Tax Management
Calculate the tax effects of various inventory methods.Measurement Criteria: Compare tax advantages associated with methods.Measurement Criteria:
Performance Element: Evaluate depreciation options to determine tax effects.Calculate the tax effects of various depreciation options.Measurement Criteria: Compare tax advantages associated with options.Measurement Criteria:
Pathway KS Statement: Establish a tax plan to incorporate the impact of tax consequences on business decisions.
Performance Element: Analyze current business decisions to determine the impact on taxes.
Identify tax policies that affect business decisions.Measurement Criteria: Identify accounting procedures and processes that impact taxes.
Measurement Criteria:
Compare tax impact of various decisions.Measurement Criteria: Performance Element: Develop a methodology to maintain a tax plan.
Develop a methodology.Measurement Criteria: Apply the methodology to aid in business decision-making.Measurement Criteria:
Pathway Topic: Policies and RegulationsPathway KS Statement: Use federal, state, and local regulations to determine financial records management.
Performance Element: Gather federal, state, and local procedures and regulations to apply to the storage of financial records and files.
Maintain current federal, state, and local requirements.Measurement Criteria: Interpret guidelines for storage requirements.Measurement Criteria: Develop a procedure to insure compliance with storage requirements.
Measurement Criteria:
Provide security for records and files.Measurement Criteria: Performance Element: Maintain knowledge of current financial laws, regulations, and policies to assure compliance in financial practices.
Identify resources to provide information on financial laws, regulations, and policies.
Measurement Criteria:
Evaluate resources to provide updates to financial laws, regulations, and policies.
Measurement Criteria:
Adapt accounting and record keeping functions to merge with current computerized systems.
Measurement Criteria:
Use database applications.Measurement Criteria: Use financial systems.Measurement Criteria: Use appropriate electronic files management software.Measurement Criteria: Develop auditing system to insure financial records are accurate.
Measurement Criteria:
Establish backup procedures to maintain electronic records.Measurement Criteria: Use appropriate backup methods for electronic records and files.
Measurement Criteria:
Schedule and complete backup procedures.Measurement Criteria:
Saturday, August 24, 2002 Page 11 of 19
FinancePathway Topic: Policies and Regulations
Maintain backup resources in appropriate locations.Measurement Criteria: Pathway KS Statement: Analyze current laws and regulations to maintain appropriate financial practices.
Performance Element: Interpret basic financial laws and regulations to apply to financial practices.
Explain major points and purposes of laws and regulations concerning financial transactions, security trading, basic accounting principles (GAAP/GAA).
Measurement Criteria:
Identify resources to provide specific information regarding financial regulations.
Measurement Criteria:
Identify major regulations affecting identified financial industries.
Measurement Criteria:
Explain consequences for noncompliance with laws, regulations, and policies.
Measurement Criteria:
Utilize financial laws, regulations, and policies to explain the purpose of each to a given situation.
Measurement Criteria:
Explain how organization and industry policies affect industry practices.
Measurement Criteria:
Analyze organization and individual procedures for compliance with financial laws, regulations, and policies.
Measurement Criteria:
Identify major instances of noncompliance with financial laws, policies, and regulations.
Measurement Criteria:
Apply financial laws, regulations, and policies to a given situation.
Measurement Criteria:
Pathway Topic: Organizational SkillsPathway KS Statement: Use organizational skills to perform financial operations.
Performance Element: Schedule appointments and calendars to manage work responsibilities.
Record appointments.Measurement Criteria: Maintain manual and electronic calendars.Measurement Criteria: Synchronize all schedules and calendars.Measurement Criteria:
Performance Element: Organize work priorities to meet deadlines.Establish “to do” lists with scheduled completion dates.Measurement Criteria: Organize work in logical sequence.Measurement Criteria: Schedule work priorities to meet due dates.Measurement Criteria: Meet deadlines.Measurement Criteria:
Performance Element: Organize materials to maintain an orderly flow of work.Identify documents, forms, and materials needed.Measurement Criteria: Prepare flow charts for procedures and workflow.Measurement Criteria: Develop written procedures and/or instructional manuals.Measurement Criteria:
Saturday, August 24, 2002 Page 12 of 19
FinancePATHWAY: Banking & Related Services
Pathway Topic: Providing Customer Service in Banking and Related Services
Pathway KS Statement: Employ technical skills to perform teller functions.Performance Element: Implement banking procedures to process customer transactions.
Verify endorsements.Measurement Criteria: Prepare deposit slip.Measurement Criteria: Cash checks.Measurement Criteria: Issue receipt.Measurement Criteria: Issue traveler’s checks and money orders.Measurement Criteria: Use appropriate equipment and technology.Measurement Criteria:
Performance Element: Maintain cash drawer to reflect teller activity.Verify cash.Measurement Criteria: Tender cash.Measurement Criteria: Balance cash drawer.Measurement Criteria: Maintain adequate cash supply.Measurement Criteria:
Performance Element: Respond to requests to provide other customer services.Facilitate usage of safe deposit boxes.Measurement Criteria: Respond to balance inquiries.Measurement Criteria: Transfer funds between accounts.Measurement Criteria:
Pathway KS Statement: Employ technical skills to perform data processing functions.
Performance Element: Use the information system to develop customer data.Facilitate information system.Measurement Criteria: Use proper codes.Measurement Criteria: Collect vital information from physical document.Measurement Criteria:
Performance Element: Use proofreading skills to verify accuracy of data.Compare physical document to information system data.Measurement Criteria: Correct errors.Measurement Criteria:
Performance Element: Use equipment to process physical documents.File/scan physical document.Measurement Criteria:
Pathway KS Statement: Use technical skills to perform new account functions.
Performance Element: Aid customer to select appropriate services.Analyze customer needs.Measurement Criteria: Select product that meets customer needs.Measurement Criteria:
Performance Element: Prepare documents to meet selected services needs.Input customer information into document software.Measurement Criteria: Print documents.Measurement Criteria: Review documents with customer.Measurement Criteria: Obtain customer signatures on documents.Measurement Criteria:
Saturday, August 24, 2002 Page 13 of 19
FinancePathway Topic: Providing Customer Service in Banking and Related Services
Deliver customer copies.Measurement Criteria: Deliver physical documents to processing.Measurement Criteria:
Pathway KS Statement: Use technical and people skills to perform lending functions.
Performance Element: Aid customer to determine best loan alternative.Analyze customer needs.Measurement Criteria: Select product to meet customer needs.Measurement Criteria:
Performance Element: Process customer application to include all information.Obtain written application.Measurement Criteria: Obtain credit report.Measurement Criteria: Verify ratios.Measurement Criteria: Evaluate collateral.Measurement Criteria:
Performance Element: Process loans to complete transactions.Approve/Deny application.Measurement Criteria: Prepare documentation.Measurement Criteria: Review documentation with customer.Measurement Criteria: Obtain required signatures.Measurement Criteria: Disburse loan funds.Measurement Criteria: Provide customer with loan documents.Measurement Criteria:
Pathway KS Statement: Use accounting knowledge to perform bookkeeping functions.
Performance Element: Process transactions to maintain bank accounting records.Post and balance general ledger.Measurement Criteria: Post the customer records.Measurement Criteria:
Performance Element: Employ people skills to perform customer service duties.Process stop payments.Measurement Criteria: Research records.Measurement Criteria: Prepare bank statements.Measurement Criteria: Help customer with account reconciliation.Measurement Criteria:
Performance Element: Process documents to facilitate check collection process.Process NSFs.Measurement Criteria: Encode transactions.Measurement Criteria: Transmit proof data to processing center.Measurement Criteria: Prepare checks for shipment.Measurement Criteria: Prepare balance settlement.Measurement Criteria: Process return items.Measurement Criteria:
Pathway Topic: Operations and Management of Banking and Related Services
Pathway KS Statement: Use technical skills to perform operations duties.Performance Element: Manage cash needs to maintain cash reserves.
Saturday, August 24, 2002 Page 14 of 19
FinancePathway Topic: Operations and Management of Banking and Related Services
Monitor vault cash.Measurement Criteria: Facilitate cash shipments.Measurement Criteria: Maintain liquid reserves.Measurement Criteria:
Performance Element: Track financial ratios to monitor bank’s operations.Calculate reserve ratios.Measurement Criteria: Prepare ratio reports for regulatory authorities.Measurement Criteria: Prepare board of director’s reports.Measurement Criteria:
Performance Element: Oversee information system to manage bank records.Maintain record database.Measurement Criteria: Maintain information system.Measurement Criteria: Insure software stability.Measurement Criteria: Process back ups.Measurement Criteria: Troubleshoot system errors.Measurement Criteria:
Performance Element: Maintain policy and procedure manuals to insure consistent operations.
Review policies to ensure adequacy.Measurement Criteria: Implement procedures within appropriate departments.Measurement Criteria: Present policy reviews/changes to board of directors for approval.
Measurement Criteria:
Distribute changes and updates to appropriate personnel.Measurement Criteria: Pathway KS Statement: Manage personnel to maximize operations.
Performance Element: Maintain adequate staff to meet workload demands.Recruit qualified employees.Measurement Criteria: Train staff.Measurement Criteria: Provide recommendations to promotion staff.Measurement Criteria: Maintain positive work environment though staff recognition.Measurement Criteria: Maintain employee handbook.Measurement Criteria:
Performance Element: Manage personnel budget to provide benefit packages.Provide salary guidelines.Measurement Criteria: Research benefit package costs.Measurement Criteria: Present proposed benefit packages to board of directors.Measurement Criteria:
Performance Element: Prepare employee reviews to facilitate professional growth.Maintain schedule of employee reviews.Measurement Criteria: Provide supervisor with review form.Measurement Criteria: Schedule review.Measurement Criteria: Facilitate the review with employee and supervisor.Measurement Criteria: Aid supervisor in determining appropriate salary/promotion adjustment.
Measurement Criteria:
Adjust salary on payroll records.Measurement Criteria:
Pathway Topic: Regulatory Compliance of Banking and Related Services
Saturday, August 24, 2002 Page 15 of 19
FinancePathway Topic: Regulatory Compliance of Banking and Related Services
Pathway KS Statement: Operate bank to meet regulatory guidelines.Performance Element: Develop procedures to adhere to regulations.
Educate employees on appropriate state and federal banking regulations.
Measurement Criteria:
Implement staff training on regulations.Measurement Criteria: Interpret and implement regulatory changes.Measurement Criteria: Research questions from the staff regarding regulations.Measurement Criteria: Monitor pending legislation.Measurement Criteria:
Pathway KS Statement: Examine bank to determine regulatory compliance.Performance Element: Implement internal audit procedures to reflect compliance.
Prepare audit schedule.Measurement Criteria: Conduct audit.Measurement Criteria: Identify audit exceptions.Measurement Criteria: Work with appropriate employees to correct exceptions.Measurement Criteria: Report findings to board of directors.Measurement Criteria:
Performance Element: Review bank records to prepare for external examinations.Provide examiners with requested data.Measurement Criteria: Cooperate with exam personnel.Measurement Criteria: Present findings of exam with staff and board of directors.Measurement Criteria: Implement appropriate changes as suggested.Measurement Criteria:
Pathway KS Statement: Compare legal interpretations to clarify regulations.Performance Element: Consult experts to obtain interpretation of regulations.
Contact appropriate regulatory agency.Measurement Criteria: Contact legal council for interpretation of compliance.Measurement Criteria: Implement findings of research.Measurement Criteria:
Saturday, August 24, 2002 Page 16 of 19
FinancePATHWAY: Insurance Services
Pathway Topic: Product KnowledgePathway KS Statement: Examine the characteristics to explain insurance risk.
Performance Element: Review insurance policies to determine how to reduce risk.Define risk.Measurement Criteria: Identify situations when insurance will reduce risk.Measurement Criteria:
Performance Element: Review client’s situation to determine degree of risk.Identify the risk of various situations.Measurement Criteria: Support the rationale behind decision to insure.Measurement Criteria:
Pathway KS Statement: Use insurance terminology to explain insurance risks and benefits.
Performance Element: Use insurance terms in appropriate situations.Explain terms to client’s satisfaction.Measurement Criteria: Explain how terms accomplish disclosure.Measurement Criteria:
Pathway KS Statement: Examine characteristics to distinguish between policy types and coverage.
Performance Element: Compare basic types of insurance policies to determine appropriate use.
List types of policies.Measurement Criteria: Determine the appropriate policy use.Measurement Criteria:
Performance Element: Compare common coverages to determine advantages.List types of coverages.Measurement Criteria: Determine the appropriate coverage use.Measurement Criteria:
Performance Element: Compare pricing methodology to determine advantages.List rating factors.Measurement Criteria: Calculate premiums.Measurement Criteria:
Pathway KS Statement: Create and/or complete documents in to process information.
Performance Element: Identify the key components to correctly issue policies.Gather necessary information.Measurement Criteria: Accurately record needed information.Measurement Criteria:
Performance Element: Process information to complete insurance-related documents.Accurately write or record needed information.Measurement Criteria:
Pathway Topic: Customer ServicePathway KS Statement: Demonstrate effective techniques to gather client information.
Performance Element: Identify data-acquisition methods to select appropriate medium to gather information.
Describe methods of verbally gathering information.Measurement Criteria: Accurately record written information.Measurement Criteria: Compare the advantages/disadvantages of gathering information via telephone, fax, email, in person etc.
Measurement Criteria:
Saturday, August 24, 2002 Page 17 of 19
FinancePathway Topic: Customer Service
Performance Element: Ask well-planned questions to determine client needs.Determine questions that should be asked of clients.Measurement Criteria: Plan follow-up questions.Measurement Criteria: Discuss the appropriate use of open-ended questions.Measurement Criteria: Discuss the appropriate use of close-ended questions.Measurement Criteria:
Pathway KS Statement: Utilize available techniques to effectively serve customers.
Performance Element: Provide timely, accurate information to meet customer needs.Explain the process for receiving no justifiable complaints.Measurement Criteria:
Performance Element: Operate within grant of authority to provide service to customers.
Explain the process for receiving a satisfactory internal review.Measurement Criteria: Performance Element: Utilize a process to resolve customer complaints or questions.
Explain the process for dealing with questions or complaints.Measurement Criteria: Explain the process for receiving a satisfactory internal review.Measurement Criteria: Explain the process of referring an issue to someone with the authority to make decisions.
Measurement Criteria:
Explain the process for receiving a satisfactory internal review.Measurement Criteria:
Pathway Topic: OperationsPathway KS Statement: Examine characteristics to explain underwriting functions.
Performance Element: Research insurance risk to determine how to meet/exceed company objectives
Explain growth.Measurement Criteria: Explain loss ratio.Measurement Criteria:
Performance Element: Process information to develop quotes for clients.List the elements of desirability for insuring.Measurement Criteria: Identify the pricing structure.Measurement Criteria: Identify company services to be provided.Measurement Criteria:
Performance Element: Identify the process to issue a policy.Issue policy electronically.Measurement Criteria: Provide information to others to issue policy.Measurement Criteria: Write accurate information to issue a policy.Measurement Criteria:
Performance Element: Describe the process to add endorsements.Define endorsement.Measurement Criteria: Explain the process for adding endorsements to a policy.Measurement Criteria:
Performance Element: Follow the process to renew policies.Explain renewability options.Measurement Criteria:
Performance Element: Use company procedures to adjust claims.Reference marketing functions.Measurement Criteria: Develop good relationships between agents, underwriters, and Measurement Criteria:
Saturday, August 24, 2002 Page 18 of 19
FinancePathway Topic: Operations
customers.Use actuarial functions as needed.Measurement Criteria: Address loss control functions when required.Measurement Criteria: List sales functions.Measurement Criteria: Explain risk management.Measurement Criteria:
Pathway Topic: Regulations and CredentialsPathway KS Statement: Research the regulatory insurance requirements to assure compliance.
Performance Element: Examine state publications to identify regulation requirements.
Maintain compliance with state regulations.Measurement Criteria: Performance Element: Participate in industry-sponsored training to advance in an insurance career.
Read industry magazines and periodicals to keep abreast of news about seminars and training sessions.
Measurement Criteria:
Performance Element: Identify specific industry training opportunities to achieve career goals.
Participate in insurance associations.Measurement Criteria: Identify training opportunities.Measurement Criteria: Continue educational training.Measurement Criteria:
Performance Element: Plan appropriate education activities to achieve licensing requirements.
Achieve passing grade on state insurance licensing exam.Measurement Criteria:
Saturday, August 24, 2002 Page 19 of 19
Section IV – O*NET Crosswalk Report
1
Career Specialty/ Occupational Coding and Crosswalk Summary The objective of the Career Specialty/ Occupational Coding and Crosswalk project is to accomplish two basic tasks. The first is to design and establish a classification and coding structure for the States’ Career Clusters Initiative. When completed, the classification and coding structure will be compatible with existing occupational classification systems and designed in a manner that allows for easy updating and the flexibility to add additional career pathways and occupational specialties. Once the first step is completed for each cluster, the second step is to build a linkage system or crosswalk between the new career cluster classification system and the O*NET occupational classification system developed and operated by the U S Department of Labor. O*NET is a nationally recognized taxonomy with detailed descriptions and a rich database of information for each occupation. Explanation of Crosswalk Table The attached table lists each occupational specialty and its related O*NET occupation. It is sequenced by career pathway and occupational specialty code. It should be noted that the relationship between an occupational specialty and its related O*NET occupation is often not one-to-one. The O*NET occupation is often much broader covering two or more occupational specialties. In fact, even when multiple occupational specialties are assigned, they may only represent a part of a broader O*NET occupation. Column 1: Lists occupational specialties that were identified by the Career Clusters Initiative. The occupational specialties are organized by cluster pathways and represent occupational titles with no definitions. They are intended to be a sample of occupations that help define the cluster and pathway. Column 2: Represents related occupations from the O*NET occupational coding system. Note: A crosswalk from the occupational specialties to the Classification of Instructional Programs (CIP) codes is forthcoming. The National Crosswalk Service Center is currently developing the CIP to O*NET crosswalk which will be the bridge to the career cluster occupational specialties. You may access this crosswalk in the near future at: http://www.xwalkcenter.org/
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2
Section V – Cluster Profile Advisory Committee List
March 13, 2003 Page 1 of 4
Career Cluster Profile Cluster Name: Finance Project Lead State: North Dakota Project Lead State Contact Information:
Mark Wilson, Project Director North Dakota Board of Vocational & Technical Education 600 E Boulevard, Ave. Bismarck, ND 58505-0610 Phone: (701) 328-2711 [email protected] Wayne Kutzer, State Director North Dakota Board of Vocational & Technical Education 600 E Boulevard, Ave., Dept 270 Bismarck, ND 58505-0610 Phone: (701) 328-2259 [email protected] Cluster Coordinators: Marsha Daves
Cluster Definition: Planning, services for financial and investment planning, banking, insurance, and business financial management. Cluster Pathways: Financial & Investment Planning, Business Financial Management, Banking & Related Services, Insurance Services. Cluster Partners: List attached. Number of cluster partners in each of the following categories: Postsecondary Education: 6 Secondary Education: 4 Business & Industry 11_ Labor 0 Associations 7 Government Agencies 6
Mar
ch 1
3, 2
003
Pa
ge 2
of
4
Del
iver
able
#1:
Fin
ance
Clu
ster
Adv
isor
y C
omm
itte
e (C
AC
) M
embe
rs
(Nam
es o
f E
xecu
tive
mem
bers
are
indi
cate
d in
bol
d)
Upd
ated
8/2
0/02
N
ame
Job
Tit
le
Org
aniz
atio
n/
Com
pany
/Sch
ool
Add
ress
C
ity
Stat
e,
ZIP
P
hone
E
-mai
l P
athw
ay
Ben
ada,
Nan
cy
(Dr.
) A
ssis
tant
Pr
ofes
sor
of
Fina
nce
Uni
vers
ity
of N
orth
D
akot
a P
O b
ox 7
096
Gra
nd
Fork
s N
D 5
8202
-70
96
(701
) 77
7-37
31
nanc
y.be
neda
@un
d.no
dak.
edu
Fi
nanc
ial &
In
vest
men
t Pl
anni
ng
Boh
l, Pe
rry
Cer
tifi
ed
Fina
ncia
l Pla
nner
In
vest
men
t Cen
ters
of
Am
eric
a PO
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161
8 B
ism
arck
N
D 5
8502
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18
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orud
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nanc
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thw
est M
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nanc
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etw
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t Tha
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te
215
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mar
ck
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anni
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Bra
nnon
, Jen
nie
Nor
thw
est
Reg
ion
Tec
h Pr
ep C
oord
inat
or
Will
isto
n St
ate
Col
lege
PO
Box
1326
W
illis
ton
ND
588
02-
1326
(7
01)
774-
4281
Je
nnie
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nnon
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u In
sura
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wn,
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rick
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erti
fied
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lic
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dy M
artz
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ssoc
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adw
ay, S
uite
20
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O B
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297
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mar
ck
ND
585
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1297
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nanc
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agem
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ns, S
haro
n (D
r.)
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cuti
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r A
ssoc
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or F
inan
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nue,
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te 5
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pper
A
rlin
gton
O
H 4
3221
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50
sbur
ns@
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olve
.com
Fi
nanc
ial &
In
vest
men
t Pl
anni
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at, C
arol
yn
HS/
PS T
each
er
CSR
Aca
dem
y 46
01 N
orth
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ctaw
R
oad
Cho
ctaw
O
K 7
3020
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05)
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0 95
91
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at@
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ech.
org
Insu
ranc
e
Cla
wso
n,
Eliz
abet
h
Fina
ncia
l Pla
yers
Cen
ter,
In
c.
4005
Kea
rns
Dri
ve
Cha
mpa
ign
IL 6
1822
(2
17)
398-
8535
fp
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com
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nanc
ial &
In
vest
men
t Pl
anni
ng
Dav
es, M
arsh
a C
C P
roje
ct S
taff
C
C In
itia
tive
1500
W 7
th A
ve
Still
wat
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OK
74
074
405-
743-
8611
m
dave
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reer
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ters
.org
Fri
cke,
Don
na
Sout
hwes
t R
egio
n T
ech
Prep
Coo
rdin
ator
Bis
mar
ck S
tate
Col
lege
P.
O. B
ox 5
587
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mar
ck
ND
585
06
(701
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61
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ail.n
odak
.edu
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usin
ess
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ncia
l M
anag
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t G
leas
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ames
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r.)
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r Pa
ths/
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kEd
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ourc
e C
ente
r 13
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ing
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nue,
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O. B
ox 1
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olum
bus
OH
432
12-
0279
61
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215
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easo
n@m
ark-
ed.c
om
B
usin
ess
Fina
ncia
l M
anag
emen
t G
rein
ert,
Tim
Juni
or A
chie
vem
ent o
f U
pper
Mid
wes
t, In
c.
1800
Whi
te B
ear
Ave
nue
Nor
th
Map
lew
ood
MN
551
09
(651
) 25
5-00
38
tim
@ja
mn.
org
Insu
ranc
e
Jaco
bsen
, Cyn
de
Tec
hnic
al W
rite
r D
icki
nson
Sta
te
Uni
vers
ity
291
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pus
Dri
ve
Dic
kins
on
ND
586
01
(701
) 48
3-23
09
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cobs
en@
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noda
k.ed
u
Mar
ch 1
3, 2
003
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ge 3
of
4
Nam
e Jo
b T
itle
O
rgan
izat
ion/
C
ompa
ny/S
choo
l A
ddre
ss
Cit
y St
ate,
Z
IP
Pho
ne
E-m
ail
Pat
hway
Kam
beit
z, D
iane
In
vest
or
Edu
cati
on
Coo
rdin
ator
ND
Off
ice
of th
e Se
curi
ties
Com
mis
sion
St
ate
Cap
itol,
5th F
loor
60
0 E
. Bou
leva
rd A
ve.
Bis
mar
ck
ND
585
05
(701
) 32
8-46
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utze
r, W
ayne
St
ate
Dir
ecto
r N
D S
tate
Boa
rd f
or
Voc
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nal a
nd T
echn
ical
E
duca
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600
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oule
vard
Ave
., D
ept 2
70
Bis
mar
ck
ND
585
05-
0610
(7
01)
328-
2259
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kutz
er@
stat
e.nd
.us
Law
renc
e, T
ena
St
utsm
an C
ount
y B
ank
PO B
ox 2
056
Jam
esto
wn
ND
584
01
1-80
0-70
8-83
48
tena
l@st
utsm
anba
nk.c
om
Ban
king
&
Rel
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Se
rvic
es
Law
son,
Kat
hlee
n Fi
nanc
ial
Serv
ices
Ind
ustr
y Fi
eld
Coo
rdin
ator
Nor
ther
n R
hode
Isla
nd
Cha
mbe
r of
Com
mer
ce
6 B
lack
ston
e V
alle
y Pl
ace,
Ste
.301
L
inco
ln
RI 0
2865
(4
01)
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1000
, x 1
06
klaw
son@
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ham
ber.
com
In
sura
nce
Mar
kbre
iter
, Ste
ve
N
atio
nal A
cade
my
Foun
datio
n 39
Bro
adw
ay, S
uite
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40
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Yor
k N
Y 1
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(2
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2400
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258
stev
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f-ed
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org
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ines
s Fi
nanc
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Man
agem
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Mar
rs, D
an
Prog
ram
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dmin
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D C
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wor
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mar
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ND
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5507
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dan.
mar
rs@
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it.no
dak.
edu
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stm
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la, P
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(703
) 86
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00
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rg
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s Fi
nanc
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igh
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as C
ruce
s Pu
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s P.
O. B
ox 3
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m
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NM
88
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s B
anki
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elat
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Serv
ices
N
aum
ann,
Pau
l V
ice
Pres
iden
t of
Ope
rati
ons
Juni
or A
chie
vem
ent o
f th
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pper
Mid
wes
t, In
c.
1800
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ear
Ave
nue
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th
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lew
ood
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551
09
(651
) 25
5-00
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paul
@ja
mn.
org
Insu
ranc
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Ols
on-S
utto
n,
Judi
th, D
r.
Ass
ocia
te D
ean,
B
usin
ess
&
App
lied
Art
s D
ivis
ion
Mad
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Are
a T
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olle
ge
3350
And
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n St
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M
adis
on
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537
04
(608
) 24
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jsut
ton@
mad
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.tec.
wi.u
s B
usin
ess
Fina
ncia
l M
anag
emen
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Pool
man
, Jim
In
sura
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Com
mis
sion
er
ND
Ins
uran
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Dep
artm
ent
Stat
e C
apito
l, 5th
Flo
or
600
E. B
oule
vard
Ave
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ism
arck
N
D 5
8505
(7
01)
328-
2440
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an@
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e.nd
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Insu
ranc
e
Rei
sena
uer,
K
evin
M
arke
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Aug
ust 2
4, 2
002
Pa
ge 1
Del
iver
able
#2:
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ance
Sam
ple
Lis
t of E
xist
ing
Cre
dent
ials
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nclu
des e
duca
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and
indu
stry
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tific
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ell a
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tsec
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pdat
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Pr
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m
Lic
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rgan
izat
ions
So
urce
for
Con
tact
Info
rmat
ion
Bill
& A
ccou
nt C
lerk
s (V
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s fro
m S
tate
to S
tate
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ww
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eert
ools.
org
Sear
ch u
nder
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cens
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ions
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nce
occu
patio
ns, b
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or b
y ag
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laim
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min
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All
Oth
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cial
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Sa
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s, Se
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Cer
tifie
d Fi
nanc
ial E
xam
iner
So
ciet
y of
Fin
anci
al E
xam
iner
s ht
tp://
ww
w.so
fe.o
rg/C
FED
ESC
.HTM
C
ertif
ied
Fina
ncia
l Man
agem
ent S
peci
alis
t C
redi
t Uni
on N
atio
nal A
ssoc
iatio
n, In
c.
http
://w
ww
.cun
a.or
g/da
ta/c
u/tra
inin
g/cc
ue/c
ep_t
xt.h
tml
Cer
tifie
d Fi
nanc
ial P
lann
er
Cer
tifie
d Fi
nanc
ial P
lann
er B
oard
of S
tand
ards
, In
c.
ww
w.C
FP-B
oard
.org
Aug
ust 2
4, 2
002
Pa
ge 3
Cer
tifie
d Fi
nanc
ial R
isk
Man
ager
G
loba
l Ass
ocia
tion
of R
isk P
rofe
ssio
nals
w
ww
.gar
p.co
m
Cer
tifie
d Fi
nanc
ial S
ervi
ces P
rofe
ssio
nal
Cre
dit U
nion
Nat
iona
l Ass
ocia
tion,
Inc.
ht
tp://
ww
w.c
una.
org/
data
/cu/
train
ing/
ccue
/cep
_txt
.htm
l C
ertif
ied
Fina
ncia
l Ser
vice
s Sec
urity
Pro
fess
iona
l In
stitu
te o
f Cer
tifie
d B
anke
rs
http
://w
45.ib
tfina
ncia
l.com
C
ertif
ied
Frau
d A
udito
r In
tern
atio
nal F
raud
Tra
inin
g In
stitu
te
ww
w.fr
aud-
ed.o
rg
Cer
tifie
d Fr
aud
Con
sulta
nt
Inte
rnat
iona
l Fra
ud T
rain
ing
Inst
itute
w
ww
.frau
d-ed
.org
C
ertif
ied
Frau
d Ex
amin
er
Ass
ocia
tion
of C
ertif
ied
Frau
d Ex
amin
ers
ww
w.c
fene
t.org
C
ertif
ied
Frau
d In
vest
igat
or
Inte
rnat
iona
l Fra
ud T
rain
ing
Inst
itute
w
ww
.frau
d-ed
.org
C
ertif
ied
Fund
Spe
calis
t In
stitu
te o
f Cer
tifie
d Fu
nd S
peci
alis
ts w
ww
.icfs
.com
C
ertif
ied
in F
inan
cial
Man
agem
ent
Inst
itute
of M
anag
emen
t Acc
ount
ants
ww
w.ru
tger
s.edu
/acc
ount
ing/
raw
/ima
Cer
tifie
d In
sura
nce
Exam
iner
In
sura
nce
Reg
ulat
ory
Exam
iner
s Soc
iety
w
ww
.go-
ires.o
rg
Cer
tifie
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tern
al A
udito
r In
stitu
te o
f Int
erna
l Aud
itors
w
ww
.thei
ia.o
rg
Cer
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d In
vest
men
t Man
agem
ent A
naly
st
Inve
stm
ent M
anag
emen
t Con
sulta
nts A
ssoc
iatio
n ht
tp://
ww
w.im
ca.o
rg/c
ertif
y/in
dex.
htm
l C
ertif
ied
IRA
Ser
vice
s Pro
fess
iona
l In
stitu
te o
f Cer
tifie
d B
anke
rs
http
://w
45.ib
tfina
ncia
l.com
C
ertif
ied
Lend
er B
usin
ess-
Bank
er
Inst
itute
of C
ertif
ied
Ban
kers
ht
tp://
w45
.ibtfi
nanc
ial.c
om
Cer
tifie
d Le
ndin
g Sp
ecia
list
Cre
dit U
nion
Nat
iona
l Ass
ocia
tion,
Inc.
ht
tp://
ww
w.c
una.
org/
data
/cu/
train
ing/
ccue
/cep
_txt
.htm
l C
ertif
ied
Man
agem
ent A
ccou
ntan
t In
stitu
te o
f Man
agem
ent A
ccou
ntan
ts w
ww
.rutg
ers.e
du/a
ccou
ntin
g/ra
w/im
a C
ertif
ied
Mor
tgag
e B
anke
r M
ortg
age
Ban
kers
Ass
ocia
tion
of A
mer
ica
http
://w
ww
.cam
pusm
ba.o
rg/
Cer
tifie
d M
unic
ipal
Fin
ance
Adm
inist
rato
r M
unic
ipal
Tre
asur
ers A
ssoc
iatio
n w
ww
.mta
usc.
org
Cer
tifie
d Pu
blic
Acc
ount
ant
Am
eric
an In
stitu
te o
f Cer
tifie
d Pu
blic
A
ccou
ntan
ts
http
://ai
cpa.
org/
stat
es.st
map
.htm
Cer
tifie
d R
egul
ator
y C
ompl
ianc
e M
anag
er
Inst
itute
of C
ertif
ied
Ban
kers
ht
tp://
w45
.ibtfi
nanc
ial.c
om
Cer
tifie
d R
etire
men
t Ser
vice
s Pro
fess
iona
l In
stitu
te o
f Cer
tifie
d B
anke
rs
http
://w
45.ib
tfina
ncia
l.com
C
ertif
ied
Risk
Man
ager
C
ertif
ied
Risk
Man
ager
s Int
erna
tiona
l w
ww
.scic
.com
/crm
/fram
eset
.htm
C
ertif
ied
Risk
Pro
fess
iona
l B
ank
Adm
inis
tratio
n In
stitu
te
http
://w
ww
.bai
.org
/crp
/inde
x.ht
ml
Cer
tifie
d Se
curit
ies O
pera
tions
Pro
fess
iona
l In
stitu
te o
f Cer
tifie
d B
anke
rs
http
://w
45.ib
tfina
ncia
l.com
C
ertif
ied
Secu
ritie
s Pro
cess
ing
Mas
ter
Secu
ritie
s Ope
ratio
ns F
orum
so
foru
m.c
om
Cer
tifie
d Se
curit
ies P
roce
ssin
g Sp
ecia
list
Secu
ritie
s Ope
ratio
ns F
orum
so
foru
m.c
om
Cer
tifie
d Tr
ust a
nd F
inan
cial
Adv
isor
In
stitu
te o
f Cer
tifie
d B
anke
rs
http
://w
45.ib
tfina
ncia
l.com
C
harte
red
Fina
ncia
l Ana
lyst
A
ssoc
iatio
n of
Inve
stm
ent M
anag
emen
t &
Res
earc
h w
ww
.aim
r.com
Cha
rtere
d Fi
nanc
ial C
onsu
ltant
So
ciet
y of
Fin
anci
al S
ervi
ces P
rofe
ssio
nal
http
://w
ww
.am
erco
ll.ed
u/pr
ospe
ct/H
omeC
FP.a
sp
Cha
rtere
d Li
fe U
nder
writ
er
Soci
ety
of F
inan
cial
Ser
vice
s Pro
fess
iona
l ht
tp://
ww
w.a
mer
coll.
edu/
pros
pect
/Hom
eCFP
.asp
C
harte
red
Prop
erty
Cas
ualty
Und
erw
riter
A
mer
ican
Inst
itute
of C
harte
red
Prop
erty
C
asua
lty U
nder
writ
ers
ww
w.a
icpc
u.or
g
Col
lect
or C
ertif
icat
ion
Am
eric
an C
olle
ctor
s Ass
ocia
tion
http
://w
ww
.mem
ber.c
om/a
ca/a
capu
b.ht
ml
Cre
dit A
ssoc
iate
So
ciet
y of
Cer
tifie
d C
redi
t Exe
cutiv
es
http
://w
ww
.col
lect
or.c
om/c
onte
nt/e
duca
tion/
prof
dev/
scce
/scc
e.ht
ml
Cre
dit B
usin
ess A
ssoc
iate
N
atio
nal A
ssoc
iatio
n of
Cre
dit M
anag
emen
t w
ww
.nac
m.o
rg
Cre
dit B
usin
ess F
elllo
w
Nat
iona
l Ass
ocia
tion
of C
redi
t Man
agem
ent
ww
w.n
acm
.org
C
redi
tor C
ertif
icat
ion
Am
eric
an C
olle
ctor
s Ass
ocia
tion
http
://w
ww
.mem
ber.c
om/a
ca/a
capu
b.ht
ml
Fello
w in
the
Cas
ualty
Act
uaria
l Soc
iety
C
asua
lty A
ctua
rial S
ocie
ty
ww
w.c
asac
t.org
Fe
llow
of t
he S
ocie
ty o
f Act
uarie
s So
ciet
y of
Act
uarie
s w
ww
.soa.
org
Fello
w, L
ife a
nd H
ealth
Cla
ims
Inte
rnat
iona
l Cla
im A
ssoc
iate
w
ww
.cla
im.o
rg
Fello
w, S
ocie
ty o
f Pen
sion
Act
uarie
s A
mer
ican
Soc
iety
of P
ensi
on A
ctua
ries
http
://w
ww
.asp
a.or
g/ed
ucat
ionp
ages
/ASP
Aed
u.ht
m
Hea
lth In
sura
nce
Ass
ocia
te
Hea
lth In
sura
nce
Ass
ocia
tion
of A
mer
ica
ww
w.h
iaa.
org
Man
aged
Hea
lthca
re P
rofe
ssio
nal
Hea
lth In
sura
nce
Ass
ocia
tion
of A
mer
ica
ww
w.h
iaa.
org
Mas
ter C
redi
t Exe
cutiv
e So
ciet
y of
Cer
tifie
d C
redi
t Exe
cutiv
es
http
://w
ww
.col
lect
or.c
om/c
onte
nt/e
duca
tion/
prof
dev/
scce
/scc
e.ht
ml
Mem
ber o
f Am
eric
an A
cade
my
of A
ctua
ries
Am
eric
an A
cade
my
of A
ctua
ries
ww
w.a
ctua
ry.o
rg
Mem
ber,
Soci
ety
of P
ensi
on A
ctua
ries
Am
eric
an S
ocie
ty o
f Pen
sion
Act
uarie
s ht
tp://
ww
w.a
spa.
org/
educ
atio
npag
es/A
SPA
edu.
htm
Aug
ust 2
4, 2
002
Pa
ge 4
Pers
onal
Fin
anci
al S
peci
alist
A
mer
ican
Inst
itute
of C
ertif
ied
Publ
ic
Acc
ount
ants
ht
tp://
aicp
a.or
g/st
ates
.stm
ap.h
tm
Qua
lifie
d 40
1K A
dmin
istra
tor
Am
eric
an S
ocie
ty o
f Pen
sion
Act
uarie
s ht
tp://
ww
w.a
spa.
org/
educ
atio
npag
es/A
SPA
edu.
htm
Q
ualif
ied
Pens
ion
Adm
inist
rato
r A
mer
ican
Soc
iety
of P
ensi
on A
ctua
ries
http
://w
ww
.asp
a.or
g/ed
ucat
ionp
ages
/ASP
Aed
u.ht
m
Reg
iste
red
Empl
oyee
Ben
efits
Con
sulta
nt
ht
tp://
ww
w.a
mer
coll.
edu/
cour
ses/
Curri
culu
m/D
esig
natio
ns/H
omep
ageR
HU
.asp
R
egis
tere
d Fi
nanc
ial A
ssoc
iate
In
tern
atio
nal
Ass
ocia
tion
of R
egis
tere
d Fi
nanc
ial
Con
sulta
nts
ww
w.in
fre.o
rg
Reg
iste
red
Fina
ncia
l Con
sulta
nt
Inte
rnat
iona
l A
ssoc
iatio
n of
Reg
iste
red
Fina
ncia
l C
onsu
ltant
s w
ww
.infre
.org
Reg
iste
red
Fina
ncia
l Pla
nner
Des
igna
tion
Reg
iste
red
Fina
ncia
l Pla
nner
s Ins
titut
e w
ww
.rfpi
.com
R
egis
tere
d H
ealth
Und
erw
riter
http
://w
ww
.am
erco
ll.ed
u/co
urse
s/C
urric
ulum
/Des
igna
tions
/Hom
epag
eRH
U.a
sp
Reg
iste
red
Prof
essi
onal
Lia
bilit
y U
nder
writ
er
Prof
essi
onal
Lia
bilit
y U
nder
writ
ing
Soci
ety
http
://w
ww
.plu
sweb
.org
Po
stse
cond
ary
Deg
ree
Opt
ions
Titl
e/T
ype/
Des
crip
tor
of D
egre
e Pr
ogra
m
Deg
ree
Con
ferr
ing
Org
aniz
atio
n So
urce
for
Con
tact
Info
rmat
ion
A
ccou
ntin
g C
olle
ges
& U
nive
rsiti
es
ww
w.c
aree
rtoo
ls.or
g Se
arch
und
er th
e to
pic
Trai
ning
& E
duca
tion
A
ccou
ntin
g te
chni
cian
C
olle
ges
& U
nive
rsiti
es
A
ctua
rial S
cien
ce
Col
lege
s & U
nive
rsiti
es
B
anki
ng &
Fin
anci
al S
uppo
rt Se
rvic
es
Col
lege
s & U
nive
rsiti
es
Fi
nanc
e, G
ener
al
Col
lege
s & U
nive
rsiti
es
In
sura
nce
& R
isk
Man
agem
ent
Col
lege
s & U
nive
rsiti
es
Ec
onom
ics
Col
lege
s & U
nive
rsiti
es
Section VII – Validation Overview/ Results
VALIDATION REPORT Background Cluster advisory committees made up of business and industry representatives, secondary/postsecondary educators, associations/organizations, government agencies and other stakeholders developed and conducted an initial review of the knowledge and skills statements. From July 15, 2002 through August 15, 2002, the States’ Career Clusters Initiative conducted a national online validation of the knowledge and skill statements. The validation rated the degree of commonality and importance of each statement (see tables below). Each Cluster Committee reviewed the knowledge and skill ratings as well as any written responses to a particular statement. Likewise, each committee determined the appropriate action to take with regard to this data. Cluster Question: Question #1 : Is the knowledge and skill statement common to all occupations across the cluster ?�
Question #2 : Is the knowledge and skill statement important to workplace success and/or further education ?�
Pathway Question: Question #1 : Is the knowledge and skill statement common to all occupations across the pathway ?�
Question #2 : Is the knowledge and skill statement important to workplace success and/or further education ?�
Rating Key: Question #1:
Don't Know -N/A
Common to a few (25% or less)
Common to some (25 - 50%)
Common to many (51 - 75%)
Common to most (76 - 100%)�
Question #2:
Don't Know -N/A
Not important
Somewhat important
Important
Critical�
General Validation Statistics for the Eleven Clusters Total Number of Respondents: 1133 completed profiles, 828 completed validation Number of States/Others Represented: All 50 states/5 other Overall profiles of respondents: Organization Type Business/Industry –17.3 % State Agency – 13.4 %
Federal Agency – 2.4 % Association – 6.2 %
Secondary Education – 36.5 % Postsecondary Education – 14.1 % Other – 10.1 % Average # of Years of Experience: 18.3 years Finance Cluster Validation Statistics Total Number of Respondents: 31 Number of States/Others Represented: 9 Overall profiles of respondents: Organization Type Business/Industry –19.4 % State Agency – 6.5 %
Federal Agency – 3.2 % Association – 3.2 %
Secondary Education – 51.6 % Postsecondary Education – 6.5 % Other – 9.6 % Average # of Years of Experience: 19.4 years
Clu
ster
Res
pons
esR
atin
gs o
f "D
on't
Kno
w"
are
not i
nclu
ded
in th
is re
port.
Que
stio
n #1
: Is
the
know
ledg
e an
d sk
ill st
atem
ent c
omm
on to
all
occu
patio
ns a
cros
s th
e cl
uste
r?
Que
stio
n #2
: Is
the
know
ledg
e an
d sk
ill st
atem
ent i
mpo
rtant
to
wor
kpla
ce s
ucce
ss a
nd/o
r fur
ther
ed
ucat
ion?
Stat
emen
tCod
eSt
atem
entD
escr
iptio
nQ
1 Av
gQ
2 A
vg#
Rsp
sQ
1=1
Q1=
2Q
1=3
Q1=
4Q
2=1
Q2=
2Q
2=3
Q2=
4C
lust
er:Finance
FNC
01.0
1A
pply
read
ing
skill
s to
enha
nce
finan
cial
car
eer
oppo
rtuni
ties.
3.86
3.71
280
04
240
08
20
FNC
01.0
2A
pply
writ
ing
skill
s to
enha
nce
finan
cial
car
eer
oppo
rtuni
ties.
3.64
3.50
280
26
200
112
15
FNC
01.0
3A
pply
mat
hem
atic
s ski
lls to
enh
ance
fina
ncia
l car
eer
oppo
rtuni
ties.
3.68
3.68
280
25
210
25
21
FNC
01.0
4A
pply
soci
al sc
ienc
e sk
ills t
o en
hanc
e fin
anci
al c
aree
r op
portu
nitie
s.2.
932.
8527
25
137
16
164
FNC
02.0
1C
ompr
ehen
d an
d us
e re
adin
g st
rate
gies
to le
arn
mea
ning
, te
chni
cal c
once
pts,
and
voca
bula
ry a
nd fo
llow
dire
ctio
ns.
3.71
3.79
280
16
210
14
23
FNC
02.0
2Lo
cate
, org
aniz
e, a
nd re
fere
nce
writ
ten
info
rmat
ion
from
re
liabl
e so
urce
s to
com
mun
icat
e w
ith c
o-w
orke
rs a
nd
cust
omer
s.
3.50
3.46
280
46
180
39
16
FNC
02.0
3U
se c
orre
ct g
ram
mar
, pun
ctua
tion,
and
term
inol
ogy
to
writ
e an
d ed
it do
cum
ents
.3.
563.
5927
02
817
00
1116
FNC
02.0
4D
evel
op a
nd d
eliv
er fo
rmal
and
info
rmal
pre
sent
atio
ns
usin
g ap
prop
riate
med
ia to
eng
age
and
info
rm a
udie
nces
.2.
812.
8526
25
154
06
182
FNC
02.0
5In
terp
ret v
erba
l and
non
verb
al b
ehav
iors
to e
nhan
ce
com
mun
icat
ion
with
co-
wor
kers
and
clie
nts/
parti
cipa
nts.
3.18
3.14
281
76
140
710
11
FNC
02.0
6A
pply
act
ive
liste
ning
skill
s to
obta
in a
nd c
larif
y in
form
atio
n.3.
643.
7528
00
1018
00
721
FNC
02.0
7In
terp
ret a
nd u
se ta
bles
, cha
rts, a
nd fi
gure
s to
supp
ort
writ
ten
and
oral
com
mun
icat
ion.
3.32
3.29
280
67
150
412
12
FNC
03.0
1A
pply
pro
blem
solv
ing
and
criti
cal t
hink
ing
skill
s to
reso
lve
a pr
oble
m.
3.54
3.61
280
45
190
27
19
Satu
rday
, Aug
ust 2
4, 2
002
Page
1 o
f 2
Stat
emen
tCod
eSt
atem
entD
escr
iptio
nQ
1 Av
gQ
2 A
vg#
Rsp
sQ
1=1
Q1=
2Q
1=3
Q1=
4Q
2=1
Q2=
2Q
2=3
Q2=
4
FNC
04.0
1D
evel
op a
nd a
cces
s a d
atab
ase
to m
anag
e ge
nera
l in
form
atio
n.2.
852.
9327
35
127
07
155
FNC
04.0
2A
pply
tech
nolo
gica
l too
ls to
exp
edite
wor
kflo
w.
3.43
3.25
281
29
160
315
10
FNC
05.0
1C
onsi
der c
omm
on p
aram
eter
s of t
he fi
nanc
ial i
ndus
try to
id
entif
y ke
y in
fluen
ces.
2.63
2.85
275
78
71
812
6
FNC
06.0
1Im
plem
ent s
afet
y, h
ealth
, and
env
ironm
enta
l con
trols
to
enha
nce
prod
uctiv
ity.
2.61
2.64
286
77
81
139
5
FNC
07.0
1M
anag
e re
sour
ces t
o ac
hiev
e co
mpa
ny g
oals
.3.
293.
3628
14
914
04
1014
FNC
08.0
1Pr
actic
e et
hica
l beh
avio
r to
inst
ill tr
ust a
nd c
onfid
ence
.3.
893.
8927
00
324
00
324
FNC
08.0
2A
naly
ze p
ract
ices
of t
he fi
nanc
e in
dust
ry to
det
erm
ine
ethi
cs a
nd so
cial
resp
onsi
bilit
ies.
3.15
3.27
264
34
150
67
13
FNC
09.0
1D
evel
op e
mpl
oyab
ility
skill
s to
obta
in a
car
eer i
n fin
ance
.3.
373.
4827
06
516
00
1413
FNC
09.0
2Pu
rsue
car
eer d
evel
opm
ent s
kills
to a
dvan
ce in
the
finan
cial
wor
ld.
3.38
3.15
260
48
140
414
8
FNC
09.0
3Ex
hibi
t per
sona
l ski
lls n
eede
d to
succ
eed
in th
e w
orkp
lace
.3.
703.
7027
02
421
00
819
FNC
10.0
1U
se c
ompu
ter a
nd e
lect
roni
c sk
ills t
o pe
rfor
m jo
b fu
nctio
ns in
the
finan
cial
indu
stry
.3.
853.
5826
01
223
01
916
3.37
3.36
629
2579
162
363
378
235
313
Tota
ls:
Satu
rday
, Aug
ust 2
4, 2
002
Page
2 o
f 2
Path
way
Res
pons
eR
atin
gs o
f "D
on't
Kno
w"
are
not i
nclu
ded
in th
is re
port.
Que
stio
n #1
: Is
the
know
ledg
e an
d sk
ill st
atem
ent c
omm
on to
all
occu
patio
ns w
ithin
the
path
way
?
Que
stio
n #2
: Is
the
know
ledg
e an
d sk
ill st
atem
ent i
mpo
rtant
to
wor
kpla
ce s
ucce
ss a
nd/o
r fur
ther
ed
ucat
ion?
Stat
emen
tCod
eSt
atem
entD
escr
iptio
nQ
1 Av
gQ
2 A
vg#
Rsp
sQ
1=1
Q1=
2Q
1=3
Q1=
4Q
2=1
Q2=
2Q
2=3
Q2=
4Pa
thw
ay:
Fina
ncia
l & In
vest
men
t Pla
nnin
gC
lust
er:
Fina
nce
FNPA
01.0
1Ex
amin
e ch
arac
teris
tics t
o di
stin
guis
h be
twee
n st
ocks
, bo
nds,
and
com
mod
ities
.3.
623.
6213
01
39
01
39
FNPA
01.0
2Ex
amin
e ch
arac
teris
tics t
o di
stin
guis
h be
twee
n in
sura
nce
and
annu
ity p
rodu
cts.
3.50
3.50
140
23
90
23
9
FNPA
01.0
3Ex
amin
e ch
arac
teris
tics t
o di
stin
guis
h be
twee
n se
cure
d an
d un
secu
red
cred
it.3.
713.
6414
00
410
00
59
FNPA
01.0
4Fo
llow
app
ropr
iate
step
s to
deve
lop
an in
vest
men
t pla
n.3.
643.
4314
01
310
00
49
FNPA
01.0
5D
evel
op a
fina
ncia
l pla
n to
add
ress
clie
nt n
eeds
.3.
713.
7914
00
410
00
311
FNPA
01.0
6U
se ta
x pr
epar
atio
n pr
oced
ures
to d
eter
min
e ta
x lia
bilit
y.3.
463.
0813
02
38
03
27
FNPA
02.0
1R
evie
w m
ost c
urre
nt st
ate
and
fede
ral r
egul
atio
ns to
app
ly
the
tax
code
pro
fess
iona
lly.
3.17
3.33
120
34
50
24
6
FNPA
02.0
2R
esea
rch
the
regu
lato
ry re
quire
men
ts o
f fin
anci
al a
nd
inve
stm
ent p
lann
ing
and
secu
rity
sale
s to
assu
re
com
plia
nce
with
cod
es.
3.17
3.42
120
42
60
23
7
FNPA
02.0
3Pl
an a
ppro
pria
te e
duca
tion
activ
ities
to a
chie
ve li
cens
ing
and
certi
ficat
ion
requ
irem
ents
.3.
423.
4212
02
37
02
37
FNPA
03.0
1U
se a
ppro
pria
te m
etho
ds to
com
mun
icat
e w
ith c
lient
s.3.
753.
7512
00
39
00
39
FNPA
03.0
2Ex
erci
se a
ppro
pria
te te
chni
ques
to in
terv
iew
clie
nts.
3.54
3.62
130
14
80
05
8
FNPA
03.0
3U
se p
eopl
e sk
ills t
o co
nduc
t clie
nt c
onfe
renc
es.
3.85
3.69
130
02
110
04
9
FNPA
03.0
4R
evie
w c
lient
fina
ncia
l inf
orm
atio
n to
dev
elop
a c
lient
’s
acco
unt s
tate
men
t.3.
503.
5012
01
47
01
47
FNPA
03.0
5Em
ploy
peo
ple
skill
s to
resp
ond
to c
lient
com
plai
nts.
3.85
3.77
130
02
110
11
11
Satu
rday
, Aug
ust 2
4, 2
002
Page
1 o
f 4
Stat
emen
tCod
eSt
atem
entD
escr
iptio
nQ
1 Av
gQ
2 A
vg#
Rsp
sQ
1=1
Q1=
2Q
1=3
Q1=
4Q
2=1
Q2=
2Q
2=3
Q2=
4
FNPA
04.0
1Ex
amin
e cl
ient
’s m
oney
man
agem
ent p
atte
rns t
o de
term
ine
a cl
ient
’s fi
nanc
ial s
ituat
ion.
3.31
3.54
130
17
50
06
7
FNPA
04.0
2D
evel
op p
roce
dure
s to
crea
te a
fina
ncia
l pla
n.3.
623.
6213
00
58
00
58
FNPA
04.0
3D
escr
ibe
proc
edur
es n
eces
sary
to e
xecu
te fi
nanc
ial
trans
actio
ns.
3.62
3.54
130
05
80
14
8
FNPA
05.0
1U
se fi
nanc
ial i
nfor
mat
ion
to m
anag
e cl
ient
reco
rds.
3.62
3.62
130
05
80
05
8
FNPA
05.0
2D
evel
op p
roce
dure
s to
adhe
re to
com
plia
nce
plan
.3.
463.
5413
01
57
02
29
FNPA
05.0
3U
se d
ata
base
s and
oth
er c
ompu
ter m
anag
emen
t too
ls to
m
anag
e of
fice
reco
rds.
3.42
3.08
120
15
60
27
3
Path
way
:B
usin
ess F
inan
cial
Man
agem
ent
Clu
ster
:Fi
nanc
eFN
PB01
.01
Inte
rpre
t fin
anci
al d
ata
to d
evel
op sh
ort-
and
long
-term
bu
dget
ary
plan
s.3.
503.
5714
01
58
00
68
FNPB
02.0
1A
naly
ze a
nd in
terp
ret f
inan
cial
dat
a to
pro
duce
acc
urat
e re
ports
.3.
713.
7914
00
410
00
311
FNPB
03.0
1Ex
amin
e ac
coun
ting
syst
em e
lem
ents
to d
emon
stra
te g
ood
acco
untin
g pr
actic
es.
3.43
3.36
140
16
70
25
7
FNPB
03.0
2C
ompi
le b
usin
ess t
rans
actio
n da
ta to
repo
rt fin
anci
al
info
rmat
ion.
3.71
3.64
140
04
100
13
10
FNPB
04.0
1A
naly
ze v
ario
us ta
x st
ruct
ures
to d
eter
min
e ad
vant
ages
to
an o
rgan
izat
ion.
2.85
3.08
131
36
30
28
3
FNPB
04.0
2A
naly
ze ta
x co
nseq
uenc
es to
aid
in b
usin
ess d
ecis
ion-
mak
ing.
3.31
3.23
131
14
70
26
5
FNPB
04.0
3Es
tabl
ish
a ta
x pl
an to
inco
rpor
ate
the
impa
ct o
f tax
co
nseq
uenc
es o
n bu
sine
ss d
ecis
ions
.3.
173.
3312
02
64
00
84
FNPB
05.0
1U
se fe
dera
l, st
ate,
and
loca
l reg
ulat
ions
to d
eter
min
e fin
anci
al re
cord
s man
agem
ent.
3.46
3.31
130
15
70
25
6
FNPB
05.0
2A
naly
ze c
urre
nt la
ws a
nd re
gula
tions
to m
aint
ain
appr
opria
te fi
nanc
ial p
ract
ices
.3.
463.
4613
02
38
01
57
Satu
rday
, Aug
ust 2
4, 2
002
Page
2 o
f 4
Stat
emen
tCod
eSt
atem
entD
escr
iptio
nQ
1 Av
gQ
2 A
vg#
Rsp
sQ
1=1
Q1=
2Q
1=3
Q1=
4Q
2=1
Q2=
2Q
2=3
Q2=
4
FNPB
06.0
1U
se o
rgan
izat
iona
l ski
lls to
per
form
fina
ncia
l ope
ratio
ns.
3.69
3.31
130
12
100
17
5Pa
thw
ay:
Ban
king
& R
elat
ed S
ervi
ces
Clu
ster
:Fi
nanc
eFN
PC01
.01
Empl
oy te
chni
cal s
kills
to p
erfo
rm te
ller f
unct
ions
.2.
893.
2218
15
75
02
106
FNPC
01.0
2Em
ploy
tech
nica
l ski
lls to
per
form
dat
a pr
oces
sing
fu
nctio
ns.
3.44
3.22
180
18
90
38
7
FNPC
01.0
3U
se te
chni
cal s
kills
to p
erfo
rm n
ew a
ccou
nt fu
nctio
ns.
3.06
3.29
171
37
60
28
7
FNPC
01.0
4U
se te
chni
cal a
nd p
eopl
e sk
ills t
o pe
rfor
m le
ndin
g fu
nctio
ns.
2.94
3.39
182
37
60
19
8
FNPC
01.0
5U
se a
ccou
ntin
g kn
owle
dge
to p
erfo
rm b
ookk
eepi
ng
func
tions
.3.
393.
6718
11
610
00
612
FNPC
02.0
1U
se te
chni
cal s
kills
to p
erfo
rm o
pera
tions
dut
ies.
3.33
3.50
182
06
100
09
9
FNPC
02.0
2M
anag
e an
d in
vest
ban
k fu
nds t
o re
flect
ban
k’s i
nves
tmen
t go
als.
2.28
2.94
185
72
42
37
6
FNPC
02.0
3M
anag
e pe
rson
nel t
o m
axim
ize
oper
atio
ns.
2.61
3.17
184
37
40
39
6
FNPC
03.0
1O
pera
te b
ank
to m
eet r
egul
ator
y gu
idel
ines
.2.
723.
5018
26
55
01
710
FNPC
03.0
2Ex
amin
e ba
nk to
det
erm
ine
regu
lato
ry c
ompl
ianc
e.2.
333.
0618
310
14
04
58
FNPC
03.0
3C
ompa
re le
gal i
nter
pret
atio
ns to
cla
rify
regu
latio
ns.
2.39
3.28
185
54
40
37
8Pa
thw
ay:
Insu
ranc
e Se
rvic
esC
lust
er:
Fina
nce
FNPD
01.0
1Ex
amin
e th
e ch
arac
teris
tics t
o ex
plai
n in
sura
nce
risk.
3.25
3.00
120
25
50
08
3
FNPD
01.0
2U
se in
sura
nce
term
inol
ogy
to e
xpla
in in
sura
nce
risks
and
be
nefit
s.3.
583.
5012
01
38
02
28
FNPD
01.0
3Ex
amin
e ch
arac
teris
tics t
o di
stin
guis
h be
twee
n po
licy
type
s and
cov
erag
e.3.
503.
5012
01
47
00
66
FNPD
01.0
4C
reat
e an
d/or
com
plet
e do
cum
ents
in to
pro
cess
in
form
atio
n.3.
333.
5012
01
65
01
47
FNPD
02.0
1D
emon
stra
te e
ffec
tive
tech
niqu
es to
gat
her c
lient
in
form
atio
n.3.
333.
4212
02
46
00
75
Satu
rday
, Aug
ust 2
4, 2
002
Page
3 o
f 4
Stat
emen
tCod
eSt
atem
entD
escr
iptio
nQ
1 Av
gQ
2 A
vg#
Rsp
sQ
1=1
Q1=
2Q
1=3
Q1=
4Q
2=1
Q2=
2Q
2=3
Q2=
4
FNPD
02.0
2U
tiliz
e av
aila
ble
tech
niqu
es to
eff
ectiv
ely
serv
e cu
stom
ers.
3.64
3.55
110
12
80
05
6
FNPD
03.0
1Ex
amin
e ch
arac
teris
tics t
o ex
plai
n un
derw
ritin
g fu
nctio
ns.
2.92
3.00
120
45
30
16
4
FNPD
04.0
1R
esea
rch
the
regu
lato
ry in
sura
nce
requ
irem
ents
to a
ssur
e co
mpl
ianc
e.3.
003.
3312
13
35
02
46
3.33
3.42
683
2991
213
350
258
259
359
Tota
ls:
Satu
rday
, Aug
ust 2
4, 2
002
Page
4 o
f 4
Section VIII – Assessment Protocol Certification Protocol
Deliverable #7 Title: Protocol for Career Clusters Assessment 8/5/2002 4:00 PM Definition of Career Clusters Assessment Assessment, within the context of the Career Clusters Initiative, is defined as a measurement of what a learner should know and be able to do. The academic and technical knowledge and skills common to all occupations and pathways within a single cluster are initially addressed in the Career Clusters Initiative. Each cluster measures or assesses a learner’s knowledge and skills related to the cluster. Purpose of the Protocol for Career Clusters Assessments The purpose of this document is to provide:
• Minimum criteria for selecting existing assessment instruments that align to the academic and technical knowledge and skills identified for each cluster.
• Minimum criteria for developing new assessment instruments that align to the academic and technical knowledge and skills identified for each cluster.
• Minimum criteria for validating and determining reliability of assessment instruments.
Functions of Career Clusters Assessment Career Cluster Assessment serves to
• measure (assess) student achievement, both cognitive and performance, in areas of academic and technical knowledge and skills for each cluster
• provide the basis for a transportable, industry-endorsed certification.
Operational Guidelines for Career Clusters Assessment This protocol includes minimum criteria/expectations career cluster designers need to apply in the selection/development of assessment modalities. Career clusters assessment: CONTENT
• measures all 10 Foundation knowledge and skills. • customizes context of questions and applications to individual clusters. • reflects a high degree of specificity of measurable knowledge and skills. • aligns to academic standards. • connects to post high school standards and competencies. • is consistent with Perkins data-quality criteria.
FORM
• combines a minimum of two modalities: cognitive and performance. • includes an item bank that can accommodate multiple applications. • reflects quality design and clear formats.
APPLICATIONS AND USES
• offers diagnostic feedback to the learner. • provides added value to the user (employer, post high school); not required for employment. • affords portability of results. • provides cues for instruction.
3/11/02 2
ADMINISTRATION • validates identity of test takers through a secure system. • affords flexible administration, e.g. single assessment per foundation cluster topic or combination
of topics. • provides flexible timing for administration. • affords no cost or low cost to students. • includes an affordable, user-friendly process to cover administrative costs. • reflects an administration process that is as consistent as possible with other career cluster
assessments. • includes an affordable, user-friendly maintenance process.
VALIDITY AND RELIABILITY
• uses consistent, reliable, and technically strong elements. • is recognized by business and industry. • is recognized by post high school education and training.
Deliverable #8 Title: Protocol for Career Clusters Certification 8/23/2002 2:28 PM
Definition of Career Clusters Certification Certification, within the context of the States’ Career Clusters Initiative, documents learner achievement of the academic and technical knowledge and skills common to all pathways and occupations within a cluster. It is based on valid and reliable assessments. A certificate is recognized by employers, secondary education, and post high school education as “value added to the admissions process to further education, immediate employment process, and/or to employment advancement”. Purposes of the Protocol for Careers Cluster Certification The purposes of this document are to provide:
• Minimum criteria for selecting existing certification programs that align to the academic and technical knowledge and skills identified for each cluster.
• Minimum criteria for developing new certification programs that align to the academic and technical knowledge and skills identified for each cluster.
• Minimum criteria for determining the value of a certification program.
Functions of Career Clusters Certification Career Cluster Certification serves to provide a consistent, transportable method of documenting learner achievement of a Career Cluster’s validated academic and technical knowledge and skills. The system is based on valid and reliable assessments. Operational Guidelines for Career Clusters Certification This protocol includes minimum criteria/expectations career cluster designers need to apply in the selection/development of certification processes. Career clusters certification:
• Defines the purpose and scope of the certificate. • Bases issue of the certificate on assessed learner proficiencies and competencies related to a
Career Cluster’s validated academic and technical knowledge and skills. • Requires learner to meet the assessment benchmark identified. • Informs the public concerning the knowledge and skills of the certificate holder. • Indicates date of issue on the certificate. • Issues certificate from the State (State Director of Career-Technical Education or appropriate
designee) if the issuing organization is a secondary or post secondary education institution. • Issues certificate from the CEO (or an appropriate designee) of an issuing professional
organization/agency/institution/company. • Requires issuing organization to maintain a database (state and/or national) of certificate holders
based on the respective term of renewal.
Revised June 2003www.careerclusters.org
National Association of State Directors
of Career Technical Education Consortium