The treasury function of a company requires a lot of documentation. In a small business, this may be done by a bookkeeper with limited financial experience. But a larger company needs professional help to comply with legal obligations.
The CTP Exam consists of 170 multiple-choice questions based on treasury management concepts and experiences. Candidates must meet the following qualifications to be eligible for the exam:
The Certified Treasury Professional (CTP) credential demonstrates your mastery of critical functions related to corporate liquidity, capital and risk management. The credential also helps you stand out in a competitive job market. According to ZipRecruiter, CTP-certified finance professionals earn up to 8% more than their non-certified peers.
To become a CTP, you must meet certain requirements, including years of full-time professional work experience in treasury management or corporate finance. Internships and volunteer work do not count toward the experience requirement. You must also have a bachelor’s degree or higher in a finance-related field. In addition, you must pass the CTP exam.
The AFP offers many resources to help you prepare for the CTP exam, including test preparation guides and practice questions. However, you should remember that simply memorizing these questions and answers is not enough to prepare for the exam. Instead, you should study the concepts until you fully understand them. You should also try to remove any limitations that might affect your performance during the test. This way, you can focus on the important aspects of the exam and improve your chances of passing it.
The certified treasury professional salary is an excellent option for finance professionals interested in taking their careers to the next level. The credential focuses on cash and capital management, and is recognized around the world as the leading certification in corporate treasury. CTPs oversee critical functions related to a company’s assets and liabilities, including credit and debit balances (capital out) and cash flows (capital in). Try our FCA Practice Test.
CTPs also manage short-term investments, work with banking partners, and coordinate global financial transactions. In addition, they identify and mitigate financial risks, such as interest rate risk and foreign exchange risk, through hedging strategies. A strong foundation in treasury operations is essential for this role, as well as proficiency in up-to-date technology and tools.
Candidates must pass the CTP exam to earn their certification. The exam is administered by the Association for Financial Professionals and consists of 170 multiple-choice questions. Candidates must score a minimum of 70 percent to pass the test. The results are not released publicly, but the AFP publishes a list of successful candidates.
Finance and accounting professionals can sharpen their exam readiness with our CFA practice test 2026, covering the key regulations, standards, and calculations tested on the official exam.
Certified Payment Professional candidates often also prepare with our CTP practice test 2026 for the cash management and payment systems knowledge both finance certifications require.
Prepare for the Certified Treasury Professional Exam exam with our free practice test modules. Each quiz covers key topics to help you pass on your first try.
| Pros | Cons |
|---|---|
| CTP certification validates expertise recognized by employers nationwide | Must complete continuing education to maintain active certification |
| Opens doors to advanced positions and leadership roles | Pass rates vary — thorough preparation is essential for success |
| Demonstrates commitment to professional standards and ethics | Some certifications require prerequisite experience or education |
Try these questions from our free Certified Treasury Professional Exam practice tests. The correct answer and an explanation follow each question.
Under the CTP exam framework, which document governs how treasury interacts with subsidiaries for intercompany transactions?
Answer: B. Intercompany loan agreement or transfer pricing policy
Intercompany loan agreements or transfer pricing policies establish terms and rates for intercompany treasury transactions.
When a treasury professional disagrees with a business unit's requested foreign exchange hedging approach, the BEST resolution strategy is to:
Answer: B. Present quantitative analysis of both approaches and escalate to the CFO if consensus is not reached
Stakeholder conflicts in treasury are best resolved through data-driven dialogue, with structured escalation to the CFO when alignment cannot be achieved at the working level.
When evaluating an international capital investment, the treasury professional must account for an additional risk factor known as:
Answer: B. Country risk premium
International projects require a country risk premium added to the discount rate to reflect political, regulatory, and sovereign risks.
A treasury professional reviewing a 5-year financial forecast notices free cash flow is negative in years 1-2 but strongly positive in years 3-5. What risk does this pattern present?
Answer: B. Liquidity and funding risk during the early years
Negative early FCF means the company must fund operations through external financing until cash generation turns positive, creating liquidity and refinancing risk.
Take the full Certified Treasury Professional Exam practice test