The Certified Treasury & Cash Manager (CTCM)™ certification program is a globally relevant and professionally structured qualification designed for finance professionals responsible for managing organizational liquidity, cash flows, and short-term financial decision-making. In an environment marked by market volatility, tightening credit conditions, and increasing financial complexity, effective treasury and cash management is essential to maintaining business continuity, financial stability, and operational resilience. Organizations rely on skilled treasury and cash managers to ensure that funds are available when needed, risks are controlled, and financial resources are used efficiently.

Treasury and cash management is a strategic finance function that goes beyond monitoring bank balances. It involves forecasting cash flows, managing liquidity and funding requirements, optimizing working capital, overseeing banking relationships, managing payment and collection systems, and mitigating financial risks such as interest rate and foreign exchange exposure. The CTCM™ program equips participants with practical treasury knowledge, analytical tools, and management frameworks needed to support day-to-day cash operations as well as informed financial decision-making. Emphasis is placed on accuracy, control, risk awareness, and alignment with broader corporate finance objectives.

Graduates of the CTCM™ program will be capable of managing treasury and cash functions with confidence, discipline, and strategic awareness, contributing directly to organizational financial health and sustainability.

Certification Program Objectives:

Upon completing the Certified Treasury & Cash Manager (CTCM)™ program, participants will be able to:

• Understand Treasury and Cash Management Foundations – Develop a strong understanding of treasury roles, responsibilities, and financial ecosystems.
• Manage Cash Positioning and Liquidity – Monitor daily cash positions, forecast liquidity needs, and ensure sufficient funds for operations.
• Optimize Working Capital – Improve receivables, payables, and inventory cycles to enhance cash efficiency.
• Manage Banking Relationships and Payments – Oversee banking structures, payment instruments, and cash concentration arrangements.
• Identify and Control Treasury Risks – Manage interest rate, foreign exchange, counterparty, and liquidity risks using appropriate controls.
• Strengthen Treasury Governance and Controls – Apply policies, procedures, internal controls, and compliance standards in treasury operations.

Certification Eligibility Criteria:

To apply for certification from The American Institute of Business and Management (AIBM) and its allied institutions, candidates must meet at least one of the following criteria:

• A Bachelor’s degree from a recognized institution

And/or

• 5+ years of relevant work experience in the related professional field.

Note: Applicants who do not hold a Bachelor’s degree but possess exceptional professional experience and hold significant positions within their organizations in a relevant field may also be considered for certification on a case-by-case basis, subject to the approval of the AIBM evaluation committee.

Certifying Examination:

• To be certified as CTCM™, student should take up a 1.5 hours online exam conducted by AIFB.
• The qualifying exam would consist of 50 multiple choice questions, testing core certification modules.
• Professionals with relevant experience and other qualifying criteria may be exempted from the examination.

Certification Modules:

• Module 1: Fundamentals of Treasury and Cash Management
• Module 2: Cash Flow Forecasting and Liquidity Management
• Module 3: Working Capital and Cash Optimization
• Module 4: Banking Relationships, Payments, and Treasury Operations
• Module 5: Financial Risk Management in Treasury
• Module 6: Treasury Governance, Controls, and Best Practices

* The Certification Title and its modules are regularly reviewed, updated and may change in alignment with evolving industry needs and regulatory standards.

Who Should Do This Certification:

The Certified Treasury & Cash Manager (CTCM)™ certification is ideal for professionals and graduates who want to develop structured, professional expertise in treasury and liquidity management. It is particularly valuable for:

• Treasury and Cash Management Professionals responsible for managing daily cash positions, liquidity, and funding.
• Finance and Accounting Professionals involved in cash forecasting, working capital management, and financial planning.
• Corporate Finance and FP&A Professionals seeking a deeper understanding of liquidity and cash flow dynamics.
• Banking and Financial Services Professionals working with corporate clients on cash management and treasury solutions.
• Controllers and Finance Managers overseeing financial operations, controls, and cash governance.
• Risk Management Professionals involved in managing financial and liquidity risks.
• Entrepreneurs and Business Owners responsible for managing organizational cash flows and financial stability.
• Graduates and Career Switchers aspiring to enter corporate treasury, cash management, or finance operations roles.

Key Benefits of CTCM Certification:

• Professional Recognition – Establishes credibility as a qualified treasury and cash management professional.
• Career Advancement – Supports progression into roles such as Treasury Analyst, Treasury Manager, Cash Manager, or Finance Manager.
• Improved Liquidity Management – Enhances the ability to forecast, manage, and optimize organizational cash flows.
• Stronger Financial Control – Strengthens governance, controls, and compliance within treasury operations.
• Risk-Aware Decision Making – Improves understanding of financial risks and appropriate mitigation strategies.
• Operational and Strategic Relevance – Enables professionals to support both day-to-day treasury operations and strategic financial decisions.
• Global Applicability – Relevant across industries, geographies, and organizational sizes in both domestic and international contexts.

The CTCM™ certification empowers professionals to manage treasury and cash functions with confidence, precision, and strategic awareness. By mastering treasury fundamentals, cash optimization techniques, risk management, and governance practices, certified individuals are well-positioned to safeguard liquidity, enhance financial resilience, and support sustainable organizational growth.