4 Executive Overview - Florida Department of Children and ... › admin › contracts › ebt... · 4 Executive Overview 4.2.5.1 Understanding of Statement of Need June 12, 2012 4-2

Florida EBT Proposal

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4 Executive Overview

4.2.5.1 Understanding of Statement of Need

June 12, 2012 4 -1 ITN 02F12GC1


ITN Section 4.2.5 This section of the ITN requires the Respondent to describe and provide evidence of their capabilities to perform the scope and types of tasks required by DCF. DCF will allow the Respondent’s to subcontract one (1) or more required services to another vendor therefore a prospective Respondent’s experience, combined with that of any subcontractor(s), must demonstrate the capability to successfully meet the requirements of this ITN. A Respondent’s Executive Overview must include its understanding of the statement of need and EBT Regulatory Compliance requirements (Appendix IV.l.).

FIS’ goal is to provide Florida DCF the full suite of products and services you have

carefully outlined in your ITN, including complete, end-to-end EBT systems and

nationally-recognized customer service. As a market leader in providing EBT services to

26 EBT projects during the past twenty years, FIS clearly understands the current

budgetary constraints under which states must operate today and offers value-priced

services for these challenging economic times.

After a careful review of the State of Florida’s ITN, we have drafted this response to

demonstrate our understanding of the State’s specific EBT needs. This Executive

Summary and our Technical Proposal document FIS’ knowledge of and ability to

perform the EBT services and all associated tasks required by the Florida Department of

Children and Families (DCF) as outlined in this ITN and supporting documentation. We

understand and will comply with all EBT Regulatory Compliance Requirements listed in

Appendix IV.I of the ITN.

We are a flexible company, prepared for the changing needs of our state clients and will

be ready with full support to add or enhance any program should changes be mandated by

law or requested by the Department. We look forward to serving as a partner to the

Department and assisting your team in evaluating and developing the technical solutions

needed to support your growth and future needs. FIS is committed to working with you

in a cooperative and responsive manner.


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June 12, 2012 4 -2 ITN 02F12GC1

Never Compromise.

FIS Executive Summary

FIS is a strong, solid corporation (NYSE:FIS) with over 14,000 customers worldwide.

FIS has an impeccable track record of service to our customers, a fact backed up by our customer satisfaction surveys.

FIS Government Solutions delivers stellar processing with more than 99.9% system uptime.

FIS executes meticulous installations using project management skills proven in 26 EBT projects.

FIS Government Solutions innovates with EBT, wireless solutions, WIC EBT, child care payment, prepaid debit card solutions, disaster recovery solutions, and numerous emerging solutions to improve the overall EBT experience for all stakeholders.

FIS’ competitive pricing contributes directly to your bottom line.

We deliver what we promise. Period.

FIS will provide a full-service, turnkey EBT solution for the programs requested:

Food Assistance Program (FAP)

Temporary Cash Assistance

Refugee Assistance

Optional State Supplementation

Personal Needs Allowance Supplementation

Food Assistance Employment & Training Benefits

FIS has the ability and the flexibility to add new programs and services that may be

mandated by law or requested by the Department throughout the contract term. FIS will

provide these solutions to Florida DCF with as little disruption or change to your current

operations as possible and with no interruption of services to clients or retailers.

FIS IS A STRONG, SOLID WORLDWIDE CORPORATION

FIS is the world’s top-ranked technology provider to the banking industry. For the past

40 years, FIS has served the unique needs of financial services organizations around the

world, helping them compete more effectively in a rapidly changing global marketplace.


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Every solution FIS offers – including our EBT processing for State government agencies,

payments processing, core banking, risk management, and consultative services – is built

on a client-centric foundation that supports strong strategic partnerships with more than

14,000 financial institutions and 100,000 merchants in more than 100 countries supported

by over 32,000 employees.

FIS delivers comprehensive solutions to more markets in more industries in more

countries than anyone else in the world. Our vision is to leverage FIS’ solution breadth,

market reach, client relationships and industry expertise to provide our clients with the

resources to transform the way they do business.

Figure 4-1 FIS has built a strong foundation centered on its clients

As the leading FinTech provider, FIS settles more than $1.2 trillion annually and

provides more than 151 million prepaid cards, 78 million debit cards, 71 million credit

cards, 380,000 ATMs, and two million POS locations. We process banking transactions

for more than 310 million bill payments annually and 500 million demand deposit

accounts, and we score more than 80 percent of the new deposit accounts opened in

North America.

FIS has compiled the most complete banking and payments portfolio in the market, with

more than 300 banking and payments solutions. Our company invests more than $300

million annually in next-generation advancements, bringing to our clients the innovation

they need to compete and win during changing times.

• 300+ banking & paymentssolutions

• Business ProcessOutsourcing, consulting, &transformational services

• 14,000+ FIs

• 5,600+ credit unions

• 100,000+ merchants/billers

• Federal government & 40 stategovernments

• Local presence in 109 countries

• 500 million DDAs

• $1.2 trillion moved annually

• >80% of North American new deposit accounts scored

• More than 40 years FinTechexperience

• 1,500 consultants

• Dedicated market practices

• 32,000 employees worldwide

ClientFocus


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Figure 4-2 FIS has a complete banking and payments solutions portfolio

Market Leadership Our strategic focus has been on helping our clients forge lasting, successful relationships

with their customers, and on solving their most complex business challenges. Wherever

and however consumers and businesses transact, FIS will power their financial needs

with market-leading solution23s.

FIS invests heavily in technology and product innovation, with more than $300 million in

capital investments targeted for 2012. These investments will deliver the following

benefits to our clients:

Lowered total cost of ownership

Improved profitability

Streamlined operating leverage

Integrated data and delivery

Minimized risk

Improved client service

Multi-channel customer access

Consistent, timely, and complete account information

Consolidated reporting


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FIS’ overall strategy has resonated well with clients of all sizes and from various market

segments, including some of the world's most successful banks, credit unions,

government agencies, healthcare entities, and financial services organizations:

Eight of the top 10 global banks

18 of the top 25 national retailers

Nearly 75 percent of U.S. credit unions

We are also the partner of choice powering many of the leading

direct-to-consumer integrated financial services offerings,

including such brands as Ally Bank, MetLife, Sallie Mae,

Schwab Bank, TD Ameritrade, and E*TRADE, among others.

This approach has received industry-wide recognition. FIS was

named #1 on the 2011 FinTech 100 rankings. Our company also

received other accolades, including:

Ranked #3 on the Barron’s 500 for 2011

Ranked #426 on the Fortune 500 and #967 on the Forbes

Global 2000

Received 2011 ―Paybefore Awards‖ Best-in-Category by

Celent, IBM and Visa

Recognized by Celent for "Outstanding Customer Service"

during the implementation of the company's mobile banking

solutions to more than 200 institutions

Named Company of the Year for "Operational Excellence and

Quality" at the economictimes.com BPO Industry Awards in

New Delhi

Winner of the IBM® Beacon Award for "Outstanding

Enterprise Application Solution" for technical excellence and

innovative solutions based on its core Profile® conversion for

Government Savings Bank (GSB) in Thailand

Most-used and most-admired core banking vendor by CIOs of

the top 120 banks in North America by asset size, according to Aite Group

―Best Prepaid Service Provider‖ according to European prepaid industry key

representatives

No. 1 mobile banking vendor according to ABI Research

-- Karen Massey, Senior AnalystIDC Financial Insight

"It is impressive to see a technology solutions provider such as FIS continue to grow its revenues in one of the most challenging and competitive times in our industry.“

Ranked #426

#967 Global 2000#1366 in Sales#1181 in Profit#1165 in Assets

#996 in Markey Value

-- Jacqueline DohertyBarron’s Cover Article, “Making the Grade”

“[The ranking] suggests management is on its game and adept at using all available tools to find new markets, control costs and deliver the products and services customers want, need and demand.”


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Payment Solutions Our Payment Solutions division services payment and electronic funds transfer needs by

providing a comprehensive set of software and services for the EFT, card processing,

item processing, bill payment, and government and healthcare payments processing needs

of our customers.

Electronic Funds Transfer - Our electronic funds transfer

and debit card processing businesses offer settlement and card

management solutions for financial institution card issuers.

We provide traditional ATM- and PIN-based debit network

access and emerging real-time payment alternatives through

NYCE. We are also a leading provider of prepaid card

services which is a fast growing channel. Services include gift

cards and reloadable cards with end-to-end solutions for

development, processing, and administration of stored-value

programs.

Item Processing and Output Services - Our item processing

services furnish our clients with the equipment needed to

capture data from checks, transaction tickets, and other items;

image and sort items; process exceptions through keying; and

perform balancing, archiving, and the production of

statements. Services are performed at one of our item

processing centers located throughout the U.S. or on-site at

customer locations. Our extensive solutions include

distributed data capture, check and remittance processing,

fraud detection, and document and report management.

Output services that are ancillary to our primary payment

solutions include print and mail capabilities and card

personalization fulfillment services. Our print and mail

services offer complete computer output solutions for the

creation, management, and delivery of print and fulfillment

needs.

Credit Card Solutions - Thousands of financial institutions utilize a combination of our

technology and or/services to issue VISA®, MasterCard®, or American Express®

branded credit and debit cards or other electronic payment cards for use by both

consumer and business accounts. Our services range from card production and activation

to an extensive range of fraud management services to value-added loyalty programs

designed to increase card usage and fee-based revenues. The majority of our programs

are full service, including most of the operations and support necessary for an issuer to

operate a credit card program. We do not make credit decisions for our card issuing

FIS Payment Solutions

Highlights

Support for more than 71 million credit card accounts, 42 million loyalty accounts, 151 million prepaid cards and 78 million debit cards

More than 7,000 debit, credit and checking account loyalty and rewards programs

More than 680 million prepaid card transactions processed annually, representing over $35 billion in value

More than 316 million bill payments processed annually

Support more than 380,000 ATMs globally and two million POS locations through its NYCE


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June 12, 2012 4 -7 ITN 02F12GC1

customers, nor do we fund their receivables. In addition, our merchant card processing

service provides everything a financial institution needs to manage its merchant card

activities including point-of-sale equipment, transaction authorization, draft capture,

settlement, chargeback processing, and reporting.

ePayment Solutions – We provide reliable and scalable bill publishing and bill

consolidations technology for our customers, generating millions of monthly bills and

servicing both billers and financial institution customers. Online bill payment

functionality includes credit and debit card-based expedited payments. Our end-to-end

presentment and payment solution provides an all-in-one solution to meet billers’ needs

for the distribution and collection of bills and other customer documents. FIS also

provides automated clearing house processing.

Check Authorization - Our check authorization business provides check risk

management and related services to businesses accepting and cashing checks. Our

services assess the likelihood (and often provide a guarantee) that a check will clear. Our

check authorization system uses artificial intelligence modeling and other state-of-the-art

technology to deliver accuracy, convenience, and simplicity to retailers.

Financial Summary FIS is traded on the New York Stock Exchange under the ticker symbol 'FIS.' FIS is a

member of the S&P 500 index with a market capitalization of over $7 billion.

Detailed financial information, including the latest Annual Report, earnings materials,

and SEC filings can be found at http://www.investor.fisglobal.com/.

FIS GUIDING PRINCIPLES

FIS operates with five guiding principles that support our key areas of focus:

1. Client Focus. Value every client, protect each relationship and never compromise our

unmatched standards of excellence.

2. Employee Engagement. Drive a high degree of employee engagement, while

upholding the highest standards of openness, honesty and ethical behavior.

3. Market Leadership. Lead the markets we serve by delivering unparalleled value

through our entrepreneurship, technology leadership and financial expertise.

4. Operational Performance. Strive to establish best practices and to deliver premier

performance, simplifying and improving daily processes, while limiting bureaucracy.

5. Community Involvement. Give back to the global communities in which we live

and work, through philanthropic and civic involvement.

http://www.investor.fisglobal.com/


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Community Involvement One of FIS’ core values has always been our commitment to give back to the

communities in which we live and work, through philanthropic contributions and

personal involvement. To support and advance this core value, FIS has established ―The

FIS Charitable Foundation‖ (the Foundation), a non-profit, non-stock corporation that

serves as the primary source for corporate charitable contributions.

The Foundation complements the philanthropic and volunteer efforts of our employees

by providing financial support to qualified organizations operating within our areas of

focus: Education, Health and Human Services, and Community Development.

In establishing the Foundation, we have created a new set of Charitable Giving

Guidelines. They provide information regarding:

Our Mission: Giving back to the communities in which we live and work

FIS Charitable Giving Focus Areas: Education, Health & Human Services, and

Community Development

The FIS Corporate Charitable Contributions Committee

Local Charitable Contributions Committees at our largest locations

COMPANY HISTORY

FIS traces its history to the 1960s with the inception of data processing services at

Marshall & Ilsley Bank (the predecessor to Metavante) in 1964 and with the launch of the

Systematics core banking solution in 1968. Over subsequent decades, the company has

continued to expand its service offerings for financial institutions of all sizes, including

credit unions, community banks, and more.

Beginning in the late 1990s, the company experienced explosive growth and change –

acquiring more than 40 companies including such industry leaders as Certegy (2006),

eFunds (2007), Metavante (2009) and Capco (2010). This acquisition growth enabled the

company to expand its current banking and payment capabilities while entering into new

global markets. A former subsidiary of Fidelity National Financial (FNF), FIS was spun

off into a separate, publicly traded and NYSE-listed company (NYSE: FIS) in 2006.

The combination of organic and external growth has positioned FIS as the #1 technology

provider for the financial services industry. Through the visionary leadership of its

management and its philosophy of providing premier service to its clients, FIS remains

on a short list of providers capable of offering so much breadth and depth of its solutions

to so many financial institutions, government entities, and retailers throughout the world.


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Figure 4-3 Multiple acquisitions through the years have contributed to FIS’ extensive growth and ability to provide a wide variety of financial services

FIS Government Experience FIS provides an extensive and

robust range of EBT services

to 45 of the 50 states. We

offer a full end-to-end suite of

EBT processing services for

all EBT programs available.

Our total solution includes

wireless POS terminals, EBT

transaction acquiring and

switching, child care payment

solutions, debit card payment

solutions, WIC EBT services,

and a host of products and

services designed to support

the various needs of our State

and vendor client base in these

rapidly changing

technological times.


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We are the prime EBT contractor (dark green on the map) for Arkansas, the District of

Columbia, Kansas, Minnesota, Missouri, North Carolina, North Dakota, Oregon, South

Dakota, Tennessee, and Wisconsin. We serve as the EBT processor for New Hampshire,

Rhode Island and Vermont. We provide subcontractor services, such as EBT transaction

acquiring and switching services, retail contracting and support, customer service, and

project management and development, in numerous other states (light green).

FIS supports EBT services from multiple locations throughout the United States with

primary EBT services located in the metropolitan Milwaukee, Wisconsin area. All EBT

services are U.S.-based.

Figure 4-4 FIS Processing Locations

FIS DELIVERS CUSTOMER SATISFACTION

FIS is committed to providing excellent customer service and award-winning products,

which enable our clients to reduce transaction and infrastructure costs, detect potential

fraud, and enhance relationships with their customers.

FIS’ philosophy is simple: Never Compromise. On Quality. On Service.

FIS is known in the EBT industry for our satisfied customers. We maintain this client

satisfaction the old-fashioned way: we talk with you and listen to what you say.


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We deliver what we promise. Period.

We measure client satisfaction:

DAILY - when your staff contact us for help

MONTHLY - when our project and account managers meet with the State project

managers to provide the Report Card of how we performed and met your expectations

ANNUALLY - when we conduct the Customer Satisfaction survey

Year after year, on the annual survey our EBT customers rate FIS ―excellent.‖

The annual rating is the result of client satisfaction built

on FIS’ daily interaction with you. We recognize that the

success of any EBT Project is directly related to effective

communication among all parties involved in the project.

Florida DCF staff must have a timely and accurate flow

of information, in addition to access to EBT project staff.

As one of our core values of Client Focus, FIS has an

excellent history of working closely with our customers

and service providers and suppliers to help ensure that

open lines of communication are created and maintained.

FIS’ communication approach and tools allow us to

closely monitor and maintain satisfaction among our

EBT clients.


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FIS EXECUTES METICULOUS PROJECT INSTALLATIONS

FIS has never missed an EBT conversion date.

Throughout our two decades-long EBT experiences, we have developed and refined our

project management techniques, controls, and reporting mechanisms. We have a flawless

reputation of implementing and converting all of

our projects on time. FIS’ project management

approach includes:

A detailed, phased approach to the entire project

with all activities and anticipated timeframes, and

estimated completion dates clearly defined in a Project Work Plan.

A detailed Requirements Document that provides specifications necessary for the batch

and administrative interfaces from the State’s system to the FIS ebtEDGE System, the

webADMIN platform, and card and PIN issuance for state clients. This document will be

considered a working document until requirements have been satisfied and any

outstanding items have been resolved.

Standardized procedures for system modifications and enhancements, change requests,

quality control, and other quantifiable processes.

Use of automated tools, such as Microsoft Project, for comprehensive project control and

reporting purposes.

Regular project status meetings between the many FIS Project Staff teams and our State

client’s Project Staff.

Regular communication between the Project Manager, senior management and members

of the Government Solutions Oversight Management Committee regarding the status of

the Project and any issues or concerns.

Quality assurance checkpoints for all major project deliverables including planning

documents, testing processes, and other required deliverables. Our Project Team will

work together to define the quality metrics, which can be used for each deliverable.


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FIS GOVERNMENT SOLUTIONS DELIVERS CUSTOMER SERVICE

FIS has a wealth of customer service experience, having provided EBT client and retailer

customer service to 37 EBT projects. We will deliver superior customer service and 24/7

professional support for your

EBT cardholders and retailers.

Florida State and local office staff

will be expertly trained and

supported by State Support

services to handle and resolve any

operational issues they may

encounter. We understand

changing EBT systems will

require Florida DCF staff training

and our training team will

support you during the transition

until you become experts on the

ebtEDGE System.

Training on the Internet FIS is a leader in easy-to-use and self-paced training using an Internet browser. All a

client, retailer or Florida DCF staffer needs to access information at www.ebtEDGE.com

is Internet access and a browser. Point. Click. Learn.

www.ebtEDGE.com%20


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FIS GOVERNMENT SOLUTIONS DELIVERS STELLAR PROCESSING

FIS recognizes that our customers value efficient and reliable delivery of processing. Our

ebtEDGE System processing speeds and accuracy rates far exceed federal guidelines—a

deliberate outcome of FIS’ technology design and

management approach. To maintain superior

performance, FIS created several significant benchmark

tests that fine-tune the software product, increase

performance, outline processing characteristics, and

improve throughput. We demand that all participating

third-party processors also agree to comply with

processing speeds and availability standards.

ebtEDGE System Enhancements FIS is committed to ensuring that our EBT product services are state-of-the-art, current

with industry trends and compliant with federal regulations. In addition to the direct

enhancements for states, FIS ensures that our infrastructure continues to be enhanced by

regularly adding or upgrading CPU, disks, servers, and ports.


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FIS GOVERNMENT SOLUTIONS INNOVATES

FIS uses our EBT and transaction processing expertise to develop

and implement solutions that complement EBT including Child

Care (Time and Attendance Tracking or Parent Pays Provider),

electronic payment cards, online WIC EBT (Women, Infants

and Children), wireless payments, and more.

We are at the forefront of the

wireless payments revolution as

the only EBT processor with a

proven, viable wireless

payments solution using the

VeriFone Vx 610 POS device.

Our Wireless Payments solution

allows FNS-certified farmers’

markets, roadside vendors, and

route vendors or any facility

without a dedicated, wired POS

device to actively participate in

the EBT program.

Wireless technology opens the

door of these retailers to EBT cardholders, and for EBT cardholders to local sources of

fresh and healthy foods—a win-win for all participants. Our Wireless Payments Solution

is successfully used by farmers’ markets coast-to-coast, including at the Human Services

Coalition of Dade County Farmers Market in Florida.

All of our solutions are available to Florida DCF to streamline your operations and

improve your bottom line.

FIS

INNOVATES!

FIS

INNOVATES!


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FIS GOVERNMENT SOLUTIONS CONTRIBUTES TO YOUR BOTTOM LINE

Although bottom lines are fluid, based on the needs of each EBT stakeholder, FIS

Government Solutions delivers direct benefit to your bottom line:

STAKEHOLDER WHAT IS MY BOTTOM LINE? WITH FIS? Cardholders Can I get my benefits when I need them? YES

Florida DCF Staff Does the system I use every day help me to do my job effectively? YES

Your Project Director Do I have the reporting I need to manage the EBT processor? YES

Your Finance Team Is the State benefitting from value pricing? YES

OUR SERVICE COMMITMENT TO FLORIDA DCF:

Begin a successful partnership with you

so you can achieve your goals and objectives

with hassle-free daily operations

and superior total system performance,

all of which is value-priced.


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FIS’ WIC SERVICES PARTNER: CUSTOM DATA PROCESSING, INC.

FIS is proud of our strategic partnership with Custom Data Processing, Inc. (CDP) for the

provision of WIC EBT services. CDP is a subchapter S, sole proprietorship, incorporated

in the State of Illinois. The founder and owner of the company, Jack Marston remains

active in the company, serving as President. Stan Cochran serves as the Chief Executive

Officer.

CDP is a nationally-recognized corporation specializing

in custom software solutions for the public healthcare

industry. They are one of only a handful of companies

worldwide that focus on the public health market, with

applications ranging from environmental inspections to

electronic medical records to WIC.

CDP’s healthcare portfolio includes over 30 years’

experience in custom software development, hosted software applications, web-based and

mobile application development, network services, and a full-range of customer support

services. CDP understands government processes and regulations in the public

healthcare industry, having developed customized solutions to help agencies meet federal

and state guidelines and electronic business requirements.

CDP is a small company with huge talent and great expertise in the field of WIC MIS and

e-WIC. CDP has a team of nationally-recognized experts in e-WIC software, systems

development, retail integration management, quality assurance, and WIC program

management. Members of their WIC Direct team serve on committees developing

national standards for WIC CVB, smart card WIC EBT, online WIC EBT, and ANSI

X9.93. Additionally, CDP staff includes three former Kentucky WIC program managers

in the areas of clinic management, vendor management, and WIC UPC database

development. Members of this highly qualified team will be assigned to the Florida WIC

Project should the State choose to implement this optional service.

Online WIC Partnering with our subcontractor, Custom Data Processing, Inc. (CDP), FIS is a leader in

the transition of WIC from paper to electronic delivery of benefits, known as WIC EBT

or e-WIC. Throughout the nation, the FIS Team, comprised of members from FIS and

CDP, currently provides a number of unique services to the WIC community that help

deliver WIC EBT benefits to clients, as well as streamline operations to retailers. FIS is

the prime contractor for the State of West Virginia e-WIC Project, and a subcontractor

for WIC Projects in the Chickasaw Nation and the states of Nevada, Kentucky, and

Vermont.

CDP is…

Flexible

Responsive

Customer-Focused


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WIC Direct was built by our subcontractor and e-WIC partner, CDP, as a collaborative

effort working with Kentucky WIC, the FNS national office, and a representation of

vendor and TPP stakeholders. It has been the seed bed for innovation and standardization

of WIC EBT business practices, as well as technical innovation. It is a state-of-the-art

software solution designed with the intent of government ownership and transferability

between state agencies.

The WIC Direct processing platform is the core of the technology being proposed for

Florida; a proven product built specifically to address the complex needs of WIC EBT. It

is currently used in Kentucky to provide online WIC EBT services and is in the process

of being implemented in West Virginia.

WIC Direct continues to evolve. With each new State user, the features and functions of

WIC Direct are expanded to incorporate that State’s vision for EBT. Every time this

happens, the existing States reap the benefits of the new enhancements at no cost. All

enhancements are made available to the entire user community. In this way, state

agencies are assured that their WIC Direct EBT platform will not become outdated or

obsolete. It will assure Florida of a proven product from the very beginning that offers a

long and sustainable life cycle.


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FIS PREPAID SOLUTIONS PARTNER: U.S. BANK

FIS is proud of our strategic partnership for debit card services with our client, U.S.

Bancorp. U.S. Bancorp is the parent company of U.S. Bank National Association (U.S.

Bank). U.S. Bancorp is the fifth largest financial services holding company in the Unites

States – conducting operations through 3,085 bank branches and 5,053 ATMs (brick and

mortar) in 25 states, and providing a comprehensive line of banking, brokerage,

insurance, investment and mortgage, trust, and payment services products to consumers,

businesses, governments and institutions in all 50 states. They provide financial services

to 17.2 million customers with approximately 63,000 full-time employees throughout the

United States and Europe. U.S. Bancorp and its employees are dedicated to improving

the communities they serve, for which the company earned the 2011 Spirit of America

Award, the highest honor bestowed on a company by United Way.

As a publicly traded corporation, U.S. Bank’s annual reports, 10-K filings, and 10-Q

filings are available online for public viewing.


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U.S. Bank is proud to be one of Fortune magazine’s Most Admired companies in 2011.

Highest Rated Bank in the Nation U.S. Bank is proud that Standard and Poor’s and Moody’s now rank them as ―the highest

rated large bank in the United States.‖ Their prudent and conservative banking principles

are now seen as the ―new paradigm‖ of success for financial institutions. Unlike many of

their peers, they are well-positioned for growth and expansion and welcome the

opportunity to extend their full product and service portfolio to all new customers as well

as their existing customers.

Figure 4-5 U.S. Bank Moody’s, S&P, Fitch, and DBRS Rankings

Government Prepaid Experience In 2001, U.S. Bank became the first electronic paycard vendor in the nation to implement

a debit card solution for the disbursement of government payments when they

successfully developed the ReliaCard® Visa® and launched the Colorado Child Support

Program. That program has been renewed three times since and still functions today as


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the original model for all government agency paycard solutions. At the same time, they

also released the ReliaCard card for payroll applications and tailored it with the same

great cardholder-friendly features and functions.

U.S. Bank remains one of the largest and most experienced issuers of prepaid cards in the

nation–servicing hundreds of large government agencies and Fortune 500 corporations

with the most widely-accepted and cost-effective prepaid cards available:

One of the largest issuers of Visa prepaid debit cards in the U.S.

Largest issuer of Visa corporate and purchasing cards in the world

Second largest issuer of Visa business cards in the world

Third largest merchant acquirer/processor in the U.S.

Fifth largest debit card issuer in the U.S.

One of the largest Visa gift card issuers (36+ million)

First to introduce the Visa Buxx® prepaid debit card – teen-targeted money management

tool

First bank to introduce a disability claim-based Visa product

Member of the National Automated Clearly House Association (NACHA)

Charter member of both Visa and MasterCard and has served on Visa’s Board

Today, U.S. Bank is extremely proud that their government agency client list, 33 major

agencies in 16 states, is one of the largest in the country, and their combined (ReliaCard

and AccelaPay) active cardholder population has grown to over 2.3 million in all 50

states. These cardholders receive regular direct deposit payments to their debit cards and

enjoy cash access within the massive U.S. Bank and MoneyPass ATM networks,

combined with teller-assisted cash access at every Visa-branded bank and credit union

across the country. And with Visa-branding comes the convenience and use of the card

at the more than 30 million point of sale locations (brick and mortar, online or over the

phone) in the world that accepts Visa debit. U.S. Bank provides POS purchases, returns,

―cash back,‖ and declines. The U.S. Bank paycard portfolio has established a remarkable

track record of success throughout the United States.


Respondents will include information showing their understanding of the needs specific in this ITN.

FIS has carefully studied the material and all associated documentation contained in the

State of Florida DCF’s Economic Self-Sufficiency Program Office Invitation to Negotiate

for Electronic Benefits Transfer and Electronic Funds Transfer and the associated


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June 12, 2012 4 -22 ITN 02F12GC1

Answers to the Vendors’ Questions. We have a thorough and clear understanding of the

objectives and issues underlying the services requested. We believe that our proposed

solution, contained in this proposal, fully describes how our approach to deliver all the

requested services will meet the State’s objectives.

Following is a brief summary of what we believe are Florida’s main objectives for the

new EBT contract and our understanding of each criteria.

EBT/EFT PROVIDER

FIS understands that the Department is seeking an EBT/EFT provider for services within

the State of Florida that will include electronic payments and services for programs

administered by the Department, and other State agencies today, as well as for the future

delivery of benefits and services for other programs.

We understand the objectives of the Department include, but are not limited to:

Improving customer service and the timely and accurate delivery of cash, food, and other

benefits to eligible recipients

Enhancing the efficiency and the effectiveness of the program’s administration and

accountability

Improving the service delivery and decreasing the costs of the Disaster Services program

Reducing program fraud and abuse

Reducing overall benefit delivery costs.

FLORIDA’S EBT PROGRAMS

FIS is prepared to meet and exceed the State’s expectations as your next EBT provider.

We are prepared for an on-time, smooth conversion of the following current programs:

Food Assistance Program

Temporary Cash Assistance

Refugee Assistance

Optional State Supplementation

Personal Needs Allowance Supplementation

Food Assistance Employment and Training


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June 12, 2012 4 -23 ITN 02F12GC1

FLORIDA’S FUTURE PROGRAM GOALS

FIS will assist the Department in activating any future programs and services during the

contract period. We are a flexible company, prepared for the changing needs of our state

clients and will be ready with full support to add or enhance any program should changes

be mandated by law or requested by the Department. We look forward to serving as a

partner to the Department and assisting your team in evaluating and developing the

technical solutions needed to support your growth and future needs. FIS is committed to

working with you in a cooperative and responsive manner.

We recognize that the Department is considering the following future programs for

conversion to either EBT or EFT, and we are equipped and eager to assist the State in

these endeavors once the Department elects to move forward and receives the required

federal approval:

Special Supplemental Nutrition Program for Women, Infants and Children (WIC)

Any programs administered by the Agency for Persons with Disabilities

Other Department programs, as identified.

NEW EBT CONTRACT TERM

FIS is prepared to enter into a three (3) year contract term, with an anticipated start date

of July 1, 2013, with the understanding that the Department could extend that contract

term for a period not to exceed (3) years, one (1) three year period, or for the term of the

original contract, whichever period is longer.

FLORIDA’S REQUIRED EBT/EFT PROGRAM TASKS

Throughout our proposal, FIS describes in detail how we will meet all requirements of

the Florida DCF outlined in the ITN. As an EBT provider to State and county

government agencies for over 20 years, and a leading EFT provider for 34 years, FIS is

confident that we can not only meet, but exceed, the Department’s expectations for your

next provider. Our end-to-end solution continues to evolve along with the needs of our

clients, and the ever-changing regulatory environment. Our ebtEDGE system, which is

described in later sections, will fully support the required services for the Department,

which include, but are not limited to:

Account Setup

Benefit Authorization

Account Maintenance


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June 12, 2012 4 -24 ITN 02F12GC1

Card and PIN issuance

Training for Cardholders, Retailers, and Administrative Staff

Cardholder, Retailer, and State Customer Service

Transaction Processing, Routing and Switching

Retailer Management

Settlement Services

Reconciliation Services

EBT-only POS Services

Reporting

Fraud Detection/Prevention Management

Disaster Services

Additionally, FIS will perform all the required tasks for Florida DCF throughout the life

of the contract, as needed to support the addition of future programs and services due to

changing State and/or regulatory requirements.

ESSENTIAL PROGRAM COMPONENTS

FIS has carefully studied all program and service components and requirements provided

in the ITN. We understand and will comply with all EBT Regulatory Compliance

Requirements listed in Appendix IV.I of the ITN. Our response demonstrates how FIS

will fully support and meet all requirements for all services, hardware, and software, as

outlined by Florida DCF for the following key components of the next EBT contract:

EBT Administrative System

EBT Cards and PINs

Disaster Support and Recovery Services

Cardholder, Retailer, and State Customer Service

Training for Cardholders, Retailers, and Administrative Staff

Transaction Processing, Routing, and Switching

Retailer Management

Fraud Detection/Prevention Management/Investigations Support

Settlement and Reconciliation Services

Data Warehouse

EBT Reporting


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June 12, 2012 4 -25 ITN 02F12GC1

State and Federal System Interfaces

EBT Account Structure and Benefit Delivery Model

Direct Deposit from the EBT Cash Benefit Account

Optional Services, to include but not limited to:

ACH Services

Branded Debit Cards

WIC Services

In order to ensure a smooth conversion of products and services, and to maintain all

required service levels and functions, the right team must be in place, dedicated to the

Florida project from the first day of the executed contract. FIS will fully comply with all

staffing requirements. We offer a team of highly skilled EBT professionals for the Florida

EBT/EFT project and also have contingency plans in place for whenever additional staff

is needed, or to step in for our Project Team during any periods of unexpected absence.

We stand ready to move forward with the new contract with Florida DCF if selected as

your new EBT provider and partner.


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June 12, 2012 4 -26 ITN 02F12GC1

—END OF TAB 4—

Documents

4 Executive Overview - Florida Department of Children and ... › admin › contracts › ebt... · 4 Executive Overview 4.2.5.1 Understanding of Statement of Need June 12, 2012 4-2