2019 MAC CONFERENCE AGEN DA - macmember.org MAC Level Up Agenda.pdf · 2019 MAC CONFERENCE AGEN DA 030719 807. TECH DAY MONDAY, MARC H 11 MAC is thrilled to announce our first full

2019 MAC CONFERENCE AGENDA030719 807

TECH DAYM O N D AY, M A R C H 1 1

MAC is thrilled to announce our first full day of technical updates from Visa, Mastercard, and the PCI Security Standards Council with a focus on changes that will impact your processing environment. Audiences that might have a specific interest in Technical Day include staff in engineering, change management, settlement, project managers, product managers, front and back end processing specialists, switch SMEs, gateway providers, and anyone responsible for managing technical or tactical compliance with the card brand and industry regulations.

It is a stand-alone, pre-conference workshop, so you'll need to register in addition to the main conference. The cost will be included in the conference rate for MAC Level Up '19!

Separate Registration Required:www.macmember.org

Sponsored by

TIME SESSION SPEAKER

8:00 AM – 8:30 AM Breakfast snacks and coffee

8:35 AM – 9:15 AMMastercard Network: Secured Mastercard Interface

Processor (MIP) Customer Connectivity (TLS1.2)Tom Roewe, MastercardJoseph Albitar, Mastercard

9:15 AM – 10:00 AM Introducing Cryptographic Key Block Changes to Support PCI Mandates Derrick Braga, Mastercard

10:00 AM – 10:20 AM Break

10:25 AM – 11:05 AM The Future of BINs: What You Should Be Doing to Prepare Dave Van Horn, Visa

11:10 AM – 11:50 AMPre-Dispute Resolution Services: Legitimate Purchase or

True Fraud? Mark Woelfer, Visa

11:50 AM – 12:35 PM Lunch

12:40 PM – 1:40 PMNavigating Mobile Payment Solutions: A PCI

Standards PerspectiveMike Thompson, PCI COTroy Leach, PCI CO

1:45 PM – 2:25 PMChargebacks Processing Tech 101 Domenico Cirone, EVO

2:25PM – 2:45 PM Break

2:50 PM – 3:30 PMMastercard Product Updates and Feature

Enhancement for 2019 Brad Dilahunty, Mastercard

3:30 PM – 4:15 PMRevised Standards: High-Risk Negative Option Billing

Merchant Requirements Jonathan Trivelas, Mastercard

4:15 PM Close of day


7:00 AM – 9:00 AM Breakfast sponsored by Discover Registration sponsored by Westamerica

9:05 AM – 10:05 AM Rise of the Risk Triangle: Making Fraud, Privacy, and Security Strategic Priorities Al Pascual, Javelin Strategy

10:05 AM – 10:50 AM Washington Fireside Chat

Ellen Berge, VenableJon Genovese, WorldpayChris Geron, ElavonEdward Marshall, AGG

10:50 AM – 11:20 AM Break sponsored by Lahoma Management

11:20 AM – 12:00 PM FTC Updates on the Payment Processing Industry Lois Greisman, FTC

12:00 PM – 1:00 PM Lunch

1:05 PM – 1:35 PM Vendor Spotlight: G2 Web Services—Pharma, Adult, & Gambling: Three Ways Merchant Risk Has Changed This Year

Dan Frechtling, G2 Web Services

1:05 PM – 1:35 PM Vendor Spotlight: Infinicept—a World-Class, Made-to-Order, Underwriting, Back Office, and Risk Monitoring Platform

Todd Ablowitz, Infinicept

1:40 PM – 2:20 PM Marijuana: Will You, Can You, and Should You?

Andrew Bigart, Venable, Sandra Gogal, Miller Thompson,Todd Halpern, Venable

2:20 PM – 2:40 PM BRAM Overview & High Risk Merchant Updates Jonathan Trivelas, Mastercard

2:40 PM – 3:10 PM Break sponsored by Tropical Productions

3:10 PM – 3:55 PMBeneficial Ownership and KYC in Canada and USA—A

ComparisonJacqueline Shinfield, Blake, Cassels & Graydon LLP

3:55 PM - 4:40 PMDisrupting the Dark Web Data Trade: Prevention and Implications of Cyber-Enabled Payment Card Fraud Danny Rogers, Terbium Labs

4:40 PM – 5:10 PMVendor Spotlight: Midigator—Card Networks Ushering in a New Era for Risk Tools & Strategies: Data Shows Technology Now a Requirement for

Revenue Protection & GrowthMark Standfield, Midigator

4:40 PM – 5:10 PM Vendor Spotlight: LegitScript—Partners in Cybercrime? Learn How Criminals Operate Online With Third-Party Support

John Horton, LegitScript

5:10 PM Opening Reception Sponsored by Paypal and Sysnet

T U E S D AY M A R C H 12

WEDNESDAYM A R C H 1 3

TIME SESSION SPEAKER7:00 AM – 9:00 AM Breakfast sponsored by Venable

Registration sponsored by Westamerica

9:05 AM – 9:50 AM The Intersection of the Financial Services Industry and Human Trafficking

Bradley Myles, PolarisCatherine J. Cummings, ICMEC

9:50 AM – 10:30 AM The New Digital Identity Li Mao, Experian10:30 AM – 11:00 AM Break sponsored by Shift4

11:00 AM – 11:45 AM Prepaid Cards Are the New Favorite for Illegal Actors

Lori Breitzke, FISStephanie Schumacher, Meta Bank Liz Nutting, Axos Bank

11:45 AM – 12:05 PM PCI: What’s Moving the Needle? Dan Fritsche, Global Payments

12:05 PM – 1:05 PM Lunch

1:10 PM – 1:40 PM Vendor Spotlight: EverCompliant—How to Launder $20,000 in 20 Minutes. And How to Stop It.

Ron Teicher, EverCompliantNoam Rabinovich, EverCompliant

1:10 PM – 1:40 PM Vendor Spotlight: Sysnet—The Impact of a Proactive Approach to Compliance and Security Management for SMBs

Gabriel Moynagh, Sysnet

1:45 PM – 2:25 PM GDPR & California Privacy Law and How It Impacts PaymentsAmy Lawrence, Frankfurt Kurnit Klein & Selz PC

2:25 PM – 3:05 PM Visa Explores the Intersection Between the Rules and the Work Cihat Fitzgerald, Visa

3:05 PM – 3:35 PM Break

3:35 PM – 4:05 PM PCI Knowledge BurstDavid Ellis, Security Metrics Chris Bucolo, ControlScan

4:05 PM – 4:25 PM 2019 NACHA Rule Changes and Updates Jordan Bennett, NACHA4:25 PM – 5:10 PM Latest Fraud Trends Claire Le Gals, Mastercard

5:10 PM – 5:40 PM Vendor Spotlight: National Association of Boards of Pharmacy—Addressing Common Misconceptions: Pharmacies in the Payment

Industry

Marty Allain, National Association of Boards of Pharmacy

5:10 PM – 5:40 PMVendor Spotlight: Webshield—The Evolution of Merchant

Monitoring Mark Bongers, Webshield

5:40 PM End of Day

TACTICAL MACM A R C H 1 4


7:00 AM – 9:00 AM Breakfast and Registration sponsored by Westamerica

9:05 AM – 9:45 AM Discover Insights Eric Steffensen, Discover

9:45 AM – 10:25 AM A Deep Dive into Registration From an Acquirer's Lens

Kate Root, Chesapeake BankJeffrey De Petro, Esquire BankShari Savlick, Merrick BankOfer Yitzhaki, Wells Fargo

10:25 AM – 10:45 AM Break sponsored by Sysnet

10:45 AM – 11:05 AMKey Areas in Your MPA/Sub MPA

to Worry About Theresa Kananen, AGG

11:05 AM – 11:50 AMVisa & Mastercard Discuss the Ever-Changing Disputes and Chargebacks

Landscape

Domenico Cirone, EVODavid Klotz, VisaDoug Whiteside, Mastercard

11:50 AM – 12:10 PM ACH Network Update: Increasing Awareness about Enhancements Jeanette Fox, NACHA

12:10 PM – 12:25 PM Focus on the Future Jeff De Petro, Esquire Bank

12:25 PM – 2:25 PM Box Lunch and Round table

2:25 PM End of Day

T U E S D AY SESSION DESCRIPTIONS

RISE OF THE RISK TRIANGLE: MAKING FRAUD, PRIVACY, AND SECURITY STRATEGIC PRIORITIESWithin the payments industry, organizations are being confronted with a new reality. What were once thought of as back-office concerns and cost drivers to be minimized have now become major business factors. A changing regulatory environment, spurred on by attention from the media and the concern of consumers, means that fraud, security, and privacy are strategic issues worthy of board-level discussion. In this session, attendees will learn about the events that have shaped this new reality, how the environment will continue to change, and ways that they can champion the types of strategic initiatives that successfully address the risk triangle.

| Tuesday, March 12 @ 9:05am – 10:05am

Al Pascual

This panel will discuss the latest developments from Washington regarding policy, legislative shifts, and law enforcement priorities, and how it all relates to the payments ecosystem. Learn about significant developments from the Hill and relevant enforcement actions and their consequences for the broader ecosystem.

Ellen Berge from Venable invited industry insiders from Elavon, Worldpay, and Arnall Golden Gregory to share their insights and learnings from 2018/2019 with attendees.

WASHINGTON FIRESIDE CHAT

Ellen Berge, Jon Genovese, Chris Geron, Edward Marshall

| Tuesday, March 12 @ 10:05am – 10:50am

FTC Updates on the Payment Processing Industry

Load balancing, shell companies, dummy websites, high chargeback and return rates: How to safeguard against fraud and manage risk?Learn about the FTC’s views on these activities and its recent law enforcement actions.

| Tuesday, March 12 @ 11:20am – 12:00pm

Lois Greisman

Regulations around pharma, adult, and gambling are changing. Merchant activity that was previously tolerated is no longer acceptable. This session will interpret those changes and help you spot the offenders that could threaten your portfolio.

VENDOR SPOTLIGHT: G2 WEB SERVICES—PHARMA, ADULT, & GAMBLING: THREE WAYS MERCHANT RISK HAS CHANGED THIS YEAR

Dan Frechtling

| Tuesday, March 12 @ 1:05pm – 1:35pm

When becoming a Payment Facilitator (PF), a company must underwrite, board, calculate fees, fund, report to their submerchants, and monitor risk in an easy and compliant manner. Equally, to sponsor PFs, the bank or ISO must ensure the PF is doing it all and doing it properly. Infinicept is a customized payment facilitator solution built and run by the experts that helps PFs and sponsors do just that! In this session you will learn how Infinicept gets PFs and sponsors properly up and running in weeks or months—not years.

VENDOR SPOTLIGHT: INFINICEPT – A WORLD-CLASS, MADE-TO-ORDER, UNDERWRITING, BACK OFFICE, & RISK MONITORING PLATFORM

Todd Ablowitz


MARIJUANA: WILL YOU, CAN YOU, ANDSHOULD YOU?

This session will impart sound and strategic guidance on the marijuana landscape in both the Canadian and U.S. markets. Attorneys from Venable LLP and Miller Thomson LLP will touch on provincial, state, and federal requirements and prohibitions directly related to the marijuana industry.


Andrew Bigart, Sandra Gogal, Todd Halpern

BRAM OVERVIEW & HIGH RISK MERCHANT UPDATES

Jonathan will be providing an overview of the Mastercard compliance program known as BRAM, which is designed to protect Mastercard and its customers from illegal and brand-damaging transactions. In addition, Jonathan will be discussing the most recent additions to the Mastercard High-Risk Merchant Registration Program, including Cryptocurrency Merchants, High-Risk Securities Merchants, Sports Intrastate Internet Gambling Merchants in the U.S., Recreational Cannabis Merchants in Canada, and High-Risk Negative Option Billing Merchants.


Jonathan Trivelas

The panel will explore and compare the KYC and beneficial ownership requirements in Canada and the United States that apply in the context of merchant acquiring. The panel will provide unique insight into the differences and similarities between the two regimes.

BENEFICIAL OWNERSHIP AND KYC IN CANADA AND USA—A COMPARISON

Jacqueline Shinfield


DISRUPTING THE DARK WEB DATA TRADE: PREVENTION AND IMPLICATIONS OF CYBER-ENABLED PAYMENT CARD FRAUD

Fraudsters on the dark web have developed a sophisticated, resilient ecosystem for data. This talk explores several facets of this underground economy, beginning with mapping the fraud ecosystem and describing how fraudsters value this data. A case study then examines how disrupting this burgeoning ecosystem requires a mix of intelligence analytics, automation, and innovation. Lastly, this talk investigates how profiteering from dark web-enabled fraud impacts not only the payments industry but also national security.


Danny Rogers

Payment processing is on the verge of a revolution. Gone are the days of manual processes and endless paper pushing. Updated card network regulations have introduced a new reality: embrace technology or fail to scale. Midigator president, Mark Standfield, will share data on which technologies produce desired results and offer insider tips on how to use the latest technology solutions to help you and your merchants succeed in this new tech-driven era.

VENDOR SPOTLIGHT: MIDIGATOR—CARD NETWORKS USHERING IN A NEW ERA FOR RISK, TOOLS & STRATEGIES: DATA SHOWS TECHNOLOGY NOW A REQUIREMENT FOR REVENUE PROTECTION & GROWTH

Mark Standfield


Illicit commerce on the internet flourishes in part because of companies that willfully neglect the illegal activities of merchants they support. In this eye-opening session, LegitScript experts reveal how easy it is to set up illicit operations, including fraud, illegal sales, and transaction laundering. We expose offshore registration services, internet companies, and payment service providers that appear to be complicit in helping merchants facilitate cybercrime.

VENDOR SPOTLIGHT: LEGITSCRIPT—PARTNERS IN CYBERCRIME? LEARN HOW CRIMINALS OPERATE ONLINE WITH THIRD-PARTY SUPPORT

John Horton


WEDNESDAYSESSION DESCRIPTIONS

The keynote session for Wednesday, March 13th showcases Polaris and ICMEC co-presenting on the intersection between trafficking, exploitation, abuse, and the financial ecosystem. Attendees will learn how recruitment strategies work, common merchant categories that support these businesses (knowingly and unknowingly), and patterns of detection to help disrupt the networks.

THE INTERSECTION OF THE FINANCIAL SERVICES INDUSTRY AND HUMAN TRAFFICKING

| Wednesday, March 13 @ 9:05am – 9:50am

Bradley Myles, Catherine J. Cummings

THE NEW DIGITAL IDENTITY| Wednesday, March 13 @ 9:50am – 10:30am

The sophistication and complexity of today’s fraudsters grows stronger and deeper by the second. When fraudsters targeting businesses have easy access to technologies like device cloning and sim cloning, as well as publicly available business identity elements, then the traditional means of ID verification becomes increasingly ineffective.

So how do we counteract commercial fraud and unauthorized business users with an equal level of sophistication and complexity? Join us as we uncover current fraud trends, what the new digital identity looks like, and best practices to stay on top.

The line is starting to blur in how we recognize a person and business in the new digital world, but with the right knowledge and tools in place, we can confidently identify and prevent fraud. The audience will walk away from the session with a better understanding of current fraud trends, what the new digital identity looks like, and recommended Experian best practices.

Li Mao

PREPAID CARDS ARE THE NEW FAVORITE FOR ILLEGAL ACTORS

The use of payment ecosystems to transfer funds, finance illicit enterprises, and obfuscate the proceeds of criminal activities is a global concern. Your payments company is not immune to this phenomenon. Prepaid cards have quickly regained their footing as the vehicle of choice for the more nefarious mules attempting to move criminal funds. Come to this session to learn how criminals are exploiting our ecosystems to move their ill-gotten gains. Industry leaders will be speaking about the scope of the problem, the ease of manipulation of the mag stripe, and how we can help disrupt these bad actors.

Lori Breitzke, Jeanni Stahl, Liz Nutting

| Wednesday, March 13 @ 11:00am – 11:45am

PCI: WHAT’S MOVING THE NEEDLE?

Technology and payments are ever-changing and progressing. The risks and threats associated with these changes also evolves rapidly. It is critical to keep track of security and compliance changes in order to maintain a safe and profitable business. In this session, we will review the most recent changes and what has helped move the needle in payment security.

Dan Fritsche

| Wednesday, March 13 @ 11:45am – 12:05pm

Following the introduction of Sysnet’s proactive compliance and data security service, Gabriel will share key metrics that show the impact this approach has already had on the compliance and security posture of tens of thousands of small and mid-sized businesses. He will also present the key findings of Sysnet’s 2nd Annual PCI Acquirer Sentiment Survey.

VENDOR SPOTLIGHT: SYSNET

Gabriel Moynagh

| Wednesday, March 13 @ 1:10pm – 1:40pm

Money laundering used to be an effort-intensive crime to commit. One needed a physical storefront, knowledge of how to run a legitimate business, accounting skills, and a significant amount of money up front. Today, transaction laundering—the digital, online form of money laundering—is significantly easier to execute. With the consumer demand for convenience and expediency, the number of e-commerce websites continues to dramatically increase. As many as 10% of e-commerce sites that process payments through registered merchants are unknown, hidden entities that have bypassed all KYC checks. Join the co-founders of EverCompliant, Ron Teicher, CEO, and Noam Rabinovich, CTO, for a live demo to see just how easy it is to launder $20,000 as we walk through a case of a 'known merchant' who has passed initial compliance and identity checks. And learn how to stop it and protect your ecosystem.

VENDOR SPOTLIGHT: EVERCOMPLIANT—HOW TO LAUNDER $20,000 in 20 MINUTES. AND HOW TO STOP IT.

Ron Teicher and Noam Rabinovicht


GDPR & CALIFORNIA PRIVACY LAW AND HOW IT IMPACTS PAYMENTS


This session will be a deep dive into the changing landscape of data security, and the implications of Europe’s GDPR and the upcoming California Consumer Privacy Act (CCPA) for companies in the payments ecosystem. Join us for a discussion of the implications of the newest privacy laws and a view of the near future of processing consumer information. You will leave with ideas on what you can (and should) be doing now to prepare.

Amy Lawrence

VISA EXPLORES THE INTERSECTION BETWEEN THE RULES AND THE WORK


In this session, Visa will provide an overview of the recently updated Global Acquirer Risk Standards, the upcoming fraud and chargeback monitoring program modifications and enhancements to the Global Brand Protection Program. Additionally, the session will cover force port fraud, Visa’s efforts to detect rogue merchants and agents, as well as provide insight on emerging risks.

Cihat Fitzgerald

PCI KNOWLEDGE BURST

Two veterans of the PCI ecosystem will explore the impact of PCI standards using real-world examples to compare the rules to reality. Each speaker will have a recent example of a breach and will use that as the backdrop to their discussion.

David Ellis, Chris Bucolo


2019 NACHA RULE CHANGES AND UPDATES

In 2018, NACHA proposed and balloted several key enhancements to the NACHA Operating Rules. This session recaps these changes—voted on and approved by NACHA membership organizations—and provides industry insights gained throughout the rulemaking process. Learn what has changed, how to prepare, what’s coming next, and how to make your organization’s voice heard.

Jordan Bennett


In this presentation, we will discuss the latest fraud trends impacting the payment card industry globally, lessons learned on how to continue to secure the ecosystems, and the anticipated impact of new technologies on these trends.

LATEST FRAUD TRENDS

Claire Le Gal


Ongoing Monitoring affects all financial institutions, and acquirers are no exception. This fact will be illustrated through the case study of an ISO held accountable for malpractice. Furthermore, the presentation will shine a light on monitoring indicators, associated risks, and the complexity of Enhanced Due Diligence in seven monitoring areas.

VENDOR SPOTLIGHT: WEBSHIELD—THE EVOLUTION OF MERCHANT MONITORING

Marc Bongers


Acquirers, learn how to protect yourself from the inherent risks that come with onboarding healthcare merchants. Clear up common misconceptions regarding pharmacies in the payment industry and discuss easy solutions such as NABP’s merchant verification. This is your chance to consult with industry experts who know and understand pharmacy.

VENDOR SPOTLIGHT: NATIONAL ASSOCIATION OF BOARDS OF PHARMACY—ADDRESSING COMMON MISCONCEPTIONS: PHARMACIES IN THE PAYMENT INDUSTRY

Marty Allain


TACTICAL MACSESSION DESCRIPTIONS

Eric will be discussing several topics, including the following: the ecosystem of a synthetic merchant and cardholder; trends in authorization testing; issuer insights regarding online gambling/Regulation GG; and how this impacts acquirers.

DISCOVER INSIGHTS| Thursday, March 14 @ 09:05am – 09:45am

Eric Steffensen

A DEEP DIVE INTO REGISTRATION FROM AN ACQUIRER’S LENS

This is an opportunity to hear from four Bank Acquirers representing the MAC Bank Consortium Committee. They will discuss the types of entities in the payments industry that require registration. It is a chance to learn what diligence review is required for such engagements. The audience will have a rare opportunity to ask questions of the Bank Acquirers as it relates to their areas of expertise, specific to entity registration requirements and practices.

| Thursday, March 14 @ 9:45am – 10:25am

Kate Root, Jeffrey De Petro, Elaine Jamer, Shari Savlick, Ofer Yitzhaki

KEY AREAS IN YOUR MPA/SUB MPA TO WORRY ABOUT

This presentation will cover some of the most common contractual pitfalls leading to litigation exposure, both in disputes with private parties and in dealing with the government. Learn how to proactively minimize your risk with a stronger contract.

| Thursday, March 14 @ 10:45am – 11:05am

Theresa Kananen

VISA/MASTERCARD ROUNDTABLE: THE EVER-CHANGING DISPUTES AND CHARGEBACKSLANDSCAPE | Thursday, March 14 @ 11:05am – 11:50am

Visa will discuss recent changes to Visa disputes aka Visa Claims Resolution (VCR) and lessons learned post-implementation, along with successes from an acquirer perspective. Also discuss how dispute rules have changed and how they are looking to evolve in the coming year.Mastercard will discuss upcoming rules changes in regards to ongoing reason code consolidation, and touch on several rules changes in the coming year, along with eventual arbitration chargeback elimination.

The session will follow with joint discussions on how rules will evolve with the ever-changing fraud, technology, marketplace, and consumer landscape. Additional discussion points will be pre-chargeback products, compelling evidence, and a debate on whether chargebacks should be more data/transactional-driven or more detailed response-driven from the opposing parties.

Domenico Cirone, Doug Whiteside, Edwin Sheehan

ACH NETWORK UPDATE: INCREASING AWARENESS ABOUT ENCHANCEMENTS

The number of ACH payments continues to increase and—thanks to Same Day ACH—to be faster. Same Day ACH enhancements build upon proven ACH processing and settlement capability to reach all U.S. banks and credit unions. These enhancements create added opportunities and offerings that corporations can use and offer to their customers.

| Thursday, March 14 @ 11:50am – 12:10pm

Jeanette Fox

FOCUS ON THE FUTURE

While we may not know what the future will bring, as payments professionals we can help drive the focus of the payments future. Will it be the consumer experience, new technologies, additional services, or something as-yet unknown? Gaze into the crystal ball and be part of the discussion to focus on the future of payments.

| Thursday, March 14 @ 12:10pm – 12:25pm

Jeff De Petro

Documents

2019 MAC CONFERENCE AGEN DA - macmember.org MAC Level Up Agenda.pdf · 2019 MAC CONFERENCE AGEN DA 030719 807. TECH DAY MONDAY, MARC H 11 MAC is thrilled to announce our first full