The Canadian Institute's 9th Annual Payments Compliance in Canada

Registration Opens and Coffee Served

Take-Away :Benchmark your compliance program with current mobile regulations to expose weaknesses, mitigate risk and ensure compliancewith the applicable rules.

How to Strategically Integrate Emerging Mobile Apps and Advances in Mobile Payment Systems into Your Existing Organizational Framework

• Identifying regulatory priorities in the rapidly advancing mobile space
• Superior risk mitigation strategies when incorporating new payment methods into your compliance plan
  • Understanding where liability falls for security breaches in mobile
• Key considerations when negotiating agreements in the emerging mobile space
• What are the troublesome challenges to networks and traditional payment methods:
  • mobile technology,
  • alternate payment methods and digital currency,
  • tokenization and the emergence of alternative payment methods and networks
  • How all of this innovation can be seamlessly and successfully incorporated into your compliance plan
• In-depth analysis of mobile addendum to the voluntary code of conduct
  • Assessing the implications of ignoring non-traditional payment issues
  • How they are regulated

Learning from Experience: Telecom Companies as Active Players in the Payments Industry

Hear directly from Rogers about their strategic business trajectory for mobile payments and banking:

• Learn what your competitors in the telecom space are successfully executing in response to rapidly advancing compliance threats
• Gain insight into upcoming developments to effectively plan your priorities
• Use lessons learned to build or refine your comprehensive compliance plan while remaining competitive and increasing your market share

Market Climate and Global Trends in Cloud-Based NFC Mobile Payments

A concise and practical examination of challenges with NFC and the cloud from the perspective of the technology provider that was recently chosen by the Royal Canadian Mint to authenticate its new MintChip cloud-based digital currency.

• Guidance to ensure your compliance plan is up to date and prepared to accommodate the latest payment mobile technology
• Innovative strategies to surmount challenges in mobile developments
• Solutions to seamlessly incorporate emerging systems into your organization’s risk mitigation plan
• Couponing and the digital wallet: key considerations regarding ownership of customer data and timing of coupon issuance to digital wallets

Networking Coffee Break

Payment Innovations Intimate Roundtables

Learn the latest technology innovations in the payments industry, to help assess and prioritize the compliance and business initiatives your organization should be preparing for in the short term.

This interactive session allows you to hear directly from key players in the payments innovation universe, and understand their concerns, strategies and trends that are in their line of sight. Have your specific questions answered and learn about new technologies in the payments space that can help your organization grow and remain competitive.

Networking Luncheon for Speakers and Delegates

Setting Your Compliance Priorities With Diverse Payment Innovations on the Horizon

• Learn strategies on how to create an effective compliance program that seamlessly adapts to new payment solutions and products
• Develop unique solutions to help resolve a variety of payment related questions in your office
• Understand how your innovation team approaches developing new products and fostering innovation, in order to structure an effective compliance framework that seamlessly integrates new products into your plan
• Mitigating risk at the source: Key considerations to communicate to your company’s innovation team during their development stage

Take-Away : Solutions to efficiently work your compliance planaround payment innovation sectors within your organization

Is the Death of the Paper Cheque Upon Us? Examining Challenges with Image Capture Payments Exchange

• Analysis of legal framework surrounding remote deposit capture image technology, in particular, assessing privacy risks
• Gain essential tools to mitigate exposure to data breaches and ensure your organization optimizes privacy concerns related to image capture payments exchange vehicles
• “Cheque-In” on Remote Cheque Deposit: How Is It Working in Practice?
• What are the top challenges faced by a financial institution during implementation?
• Lessons learned from financial institutions considering adoption of remote cheque deposit
• Guidance to develop the essential tools for your remote deposit capture toolkit

Take-Away :Guide to understanding the technicalities ofremote deposit image technology from the perspective of complianceand legal professionals, to anticipate and prepare for risk pitfalls.

Networking Coffee Break

The Current State of Payment Card Industry (PCI) Data Security Standard (DSS) Compliance

Industry Representative

Merchants and service providers still continue to struggle with achieving and maintaining PCI DSS compliance. Recent payment card breaches further underscore how challenging PCI DSS compliance sustainment can be. This session will explore some of these challenges and share experiences of merchant and service provider clients across North America and lessons learned. This session will also review activities related to PCI DSS version 3.0 and some of the implications to merchants and service providers.

Recent Game-Changing Payment Developments in the UK, US, and Australia

• Learn unintended consequences of capping interchange and allow surcharging in Australia, and the potential implications in Canada
• Update on US interchange, surcharging and EMV working group
• Gain insight into the challenges faced by UK’s new payment regulator watchdog, and whether Canada should consider a similar body
• Discussion of unintended consequences of capping interchange and allow surcharging in Australia
• Lessons Learned: What can Canada export from these international examples
  • Understanding the New UK watchdog and Future Applicability in Canada

Take-Away : A concise intensive on global initiatives by industryleaders and how the puzzle pieces fit into Canada’s model.

Closing Remarks, Conference Adjourns

Coffee Served

Compliance With What? Optimizing Your Payments Products Planning

• What are the key standards in the Canadian payments world?
• Which of these standards apply to your payments products and services, and when?
• The ‘standards ecosystem’: Identifying standards that incorporate or encompass standards from other agencies
  • Is the phrase “EMV card” a misnomer, especially as we move to the next generation of smart card issuing and acquiring?

Take-Away : A critical overview of the applicability ofcompliance standards in payments, in light of the complex andchanging world of payments related standards agencies.

Regulatory Update: FCAC Priorities and Plan for 2014

• The latest guidance from FCAC on the Code of Conduct for the Credit and Debit Card Industry in Canada
  • Focus on special considerations in mobile payments
• Plain language update from the FCAC on priorities, including:
  • timing and expectations,
  • considerations when they start reviewing documents,
  • what the critical principles mean,
  • guidance on how to make your agreements “plain language” by simplifying legal wording/concepts, without losing impact
• Guidance on how the regulator views industry’s use of multi-vendor guidance for the Code:
  • examining grey areas, the main concepts, and key principles

Networking Coffee Break

Key Anti-Money Laundering Compliance Challenges with New OSFI Changes on the Horizon

• Top three issues encountered by OSFI when reviewing payments business operations
• Gain important tools to address implementation challenges faced by your organization following the initial compliance to new OSFI requirements
• Key considerations required by large and smaller scale financial institutions to monitor success of implementation of new OSFI requirements, how to ensure you remain compliant over time
• Learn about OSFI’s recent changes to customer identification and records programs
• Gauging the impact of regulatory reform on your business, especially:
  • due diligence efforts,
  • record keeping, and
  • documentation requirements

The Latest on Canada’s Consumer Protection Framework

• Update on the consultation process: Key points from a consumer representation and consumer protection perspective
• Understanding the challenges with not having all payment forms equally protected
  • credit cards, debit cards, mobile payment systems, and cross-border
• Special considerations for loyalty programs
• Consumer protection in the the use of new currency forms
• Trends: What to watch going forward, to plan your priorities

Networking Luncheon for Speakers and Delegates

Strategies to Increase Your Market Share

David Eason is responsible for business strategy, corporate development, and overall company growth at Berkeley. Hear first hand about the challenges that an active stakeholder faces, and optimal solutions, to balancing compliance obligations without losing ground on innovation.

Networking Coffee Break

• Identifying the gaps in domestic privacy legislation to protect your organization
• Practical strategies to create the most robust and comprehensive privacy plan tailored for the needs of your company
• Analysis of electronic cheque kiting in Canada
  • Focus on Québec Court of Appeals decisions, which was accomplished within the confines of CPA rules.
  • Understanding who actually “pays” for this type of fraud
• What are the most pressing risks in NFC communications, especially concerning data or privacy breach exposure
• Insight into Manitoba’s privacy legislation on mandatory breach notification and whether similar legislation can be expected in your province

Tackling Fraud One Data Breach at a Time: Essential Guidance To Benchmark Your System to Comply with Privacy Laws

The existing domestic privacy law landscape protects personal data, with the added safety of confidentiality requirements, but gaps exist. Learn how to identify these gaps in your existing framework, how to anticipate future risk areas and solutions to guard against compliance breaches.

• Identifying the gaps in domestic privacy legislation to protect your organization
• Practical strategies to create the most robust and comprehensive privacy plan tailored for the needs of your company
• Analysis of electronic cheque kiting in Canada
  • Focus on Québec Court of Appeals decisions, which was accomplished within the confines of CPA rules.
  • Understanding who actually “pays” for this type of fraud
• What are the most pressing risks in NFC communications, especially concerning data or privacy breach exposure
• Insight into Manitoba’s privacy legislation on mandatory breach notification and whether similar legislation can be expected in your province

Take-Away : Cyber-security is becoming increasingly complexas we advance at lightning speed with developments of newtechnology. Movement into the cloud and mobile space makesecurity issues paramount for every player in the payments space.

Closing Remarks, Conference Concludes