Jobs and Skills AustraliaIs the work there?
Ten year outlook
Financial and insurance clerks jobs are projected to grow. Jobs and Skills Australia projections put these occupations at 100 workers in May 2025, 103 by May 2030 (up 3%) and 108 by May 2035 (up 8%).
Jobs and Skills Australia employment projections · May 2025 to May 2035
Occupation mapping by Get Course, shown with ANZSCO codes so it can be checked.
NCVER Total VET ActivityWho is training
Fewer people are enrolling in the Certificate IV in Financial Services than a year ago. Across Australia, 675 people enrolled in 2024. In 2025 it was 640, down 5.2% in a year. National data for FNS41820 starts in 2021.
NCVER Total VET Activity · 2025 collection
training.gov.au · Australian Qualifications FrameworkWhat does studying it involve?
The register and the national framework set some of this. Providers set the rest.
How long it takes
A Certificate IV is typically 0.5 to 2 years of full-time study under the Australian Qualifications Framework. Providers set the exact length and pace.
Delivery
Providers set the delivery mode.
Credit for experience
Recognition of prior learning applies to FNS41820 like any qualification on the national register: an approved provider assesses your evidence against each unit.
training.gov.au national register; Australian Qualifications Framework.
State subsidised training listsWhat does it cost, and who funds it?
State funding for FNS41820 is being verified against official program lists.
Eligibility and student contributions vary by program and provider. The official state listing is the source of truth. In a subsidised place the government pays most of the tuition and you pay a co-contribution set by the program and provider.
Official state subsidised training program lists, verified per state. Full-fee prices will appear here as partner courses are listed.
training.gov.au · unit packagingWhat is in the qualification
The Certificate IV in Financial Services is 13 units: 1 core, plus 12 electives chosen from 63 options on the register.
- FNSINC411Conduct work according to professional practices in the financial services industry
View the 63 elective options
- BSBAUD412Work within compliance frameworks
- BSBCMM411Make presentations
- BSBFIN501Manage budgets and financial plans
- BSBINS401Analyse and present research information
- BSBINS402Coordinate workplace information systems
- BSBINS409Maintain and monitor digital information and records
- BSBLDR411Demonstrate leadership in the workplace
- BSBLDR413Lead effective workplace relationships
- BSBLDR414Lead team effectiveness
- BSBOPS403Apply business risk management processes
- BSBOPS404Implement customer service strategies
- BSBOPS405Organise business meetings
- BSBPEF402Develop personal work priorities
- BSBPMG426Apply project risk management techniques
- BSBSTR402Implement continuous improvement
- BSBTEC402Design and produce complex spreadsheets
- BSBTWK401Build and maintain business relationships
- BSBWHS414Contribute to WHS risk management
- FNSACC405Maintain inventory records
- FNSACC412Prepare operational budgets
- FNSACC413Make decisions in a legal context
- FNSASIC311Establish client relationship and analyse needs
- FNSASIC312Provide personal advice on non-relevant financial products
- FNSASIC314Provide Tier 2 general advice in general insurance
- FNSASIC315Provide Tier 2 personal advice in general insurance
- FNSBNK411Coordinate small business customer portfolios
- FNSBNK412Align banking products with the needs of small business customers
- FNSBNK413Provide services in a Business Transaction Centre
- FNSBNK414Promote mobile banking services
- FNSBNK415Provide mobile banking sales and services
- FNSBNK416Manage mobile lending services
- FNSCRD401Assess credit applications
- FNSCRD404Utilise the legal process to recover outstanding debt
- FNSCRD412Establish and maintain appropriate security options for credit facilities
- FNSCRD413Manage and recover bad and doubtful debts
- FNSCRD415Manage overdue customer accounts
- FNSCRD513Promote client understanding of the role and effective use of consumer credit
- FNSCUS403Deliver a professional service to customers
- FNSCUS411Participate in negotiations
- FNSCUS412Resolve disputes
- FNSFLT411Determine financial requirements of small businesses
- FNSFMK402Develop and maintain knowledge of financial markets products
- FNSFMK403Interpret financial markets information
- FNSFMK411Perform reconciliations
- FNSFMK515Comply with financial services regulation and industry codes of practice
- FNSINC412Apply and maintain knowledge of financial products and services
- FNSINC511Conduct financial product research to support product recommendations
- FNSINC513Identify and apply complex ethical decision making to workplace situations
- FNSINC514Apply ethical frameworks and principles to make and act upon decisions
- FNSMCA413Identify and manage individuals experiencing hardship
- FNSORG411Conduct individual work within a compliance framework
- FNSPIM410Collect, assess and use information
- FNSRSK411Apply risk management strategies to own work
- FNSSAM413Identify and provide initial information to potential new clients
- FNSSAM421Provide information on financial products and services to clients
- FNSSAM422Implement promotional strategies for financial products and services
- FNSSUP419Provide retirement income stream information to superannuation clients
- FNSSUP420Establish and administer retirement income streams
- FNSSUP423Provide knowledge of retirement planning issues when dealing with superannuation clients
- FNSSUP431Terminate retirement income streams
- FNSSUP432Determine impact of social security entitlements on retirement income
- FNSSUP434Develop and provide knowledge of aged care to superannuation clients
- FNSTPB412Establish and maintain payroll systems
training.gov.au national register, FNS41820 release 2
Same training packageWhat skill sets come from the FNS training package?