Hi Carly,

Here is how I might accomplish this:

1. Create a single activity course using certificate as the activity type
2. Create a dynamic audience containing all the users who have completed the courses in your course set.
3. Add this course to your program set
4. Edit the course visibility settings of your certificate so it is only available to members of your dynamic audience.
5. Edit the enrolment methods of this course and remove program enrolment as a method.

Users will then be able to see the certificate at the bottom of your course set, but won't be able to access it until they have completed all the courses, and been added to your dynamic audience.