2019 MAC CONFERENCE AGEN DA030719 807 - Merchant Acquirers Committee
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2019 MAC CONFERENCE AGENDA
030719 807TECH DAY
M O N D AY, M A R C H 1 1
MAC is thrilled to announce our first full day of technical
TIME SESSION SPEAKER updates from Visa, Mastercard, and the PCI Security
Standards Council with a focus on changes that will impact
8:00 AM – 8:30 AM Breakfast snacks and coffee
your processing environment. Audiences that might have a
8:35 AM – 9:15 AM Domenico Cirone, EVO specific interest in Technical Day include staff in engineering,
Chargebacks Processing Tech 101
change management, settlement, project managers, product
9:15 AM – 10:00 AM
Introducing Cryptographic Key Block Changes to
Derrick Braga, Mastercard managers, front and back end processing specialists, switch
Support PCI Mandates SMEs, gateway providers, and anyone responsible for
Break managing technical or tactical compliance with the card
10:00 AM – 10:20 AM
brand and industry regulations.
10:25 AM – 11:05 AM The Future of BINs: What You Should Be Doing to Prepare Dave Van Horn, Visa
It is a stand-alone, pre-conference workshop, so you'll need
Pre-Dispute Resolution Services: Legitimate Purchase or
11:10 AM – 11:50 AM Mark Woelfer, Visa to register in addition to the main conference. The cost will
True Fraud?
be included in the conference rate for MAC Level Up '19!
11:50 AM – 12:35 PM Lunch
Navigating Mobile Payment Solutions: A PCI Mike Thompson, PCI CO
12:40 PM – 1:40 PM Standards Perspective Troy Leach, PCI CO
Separate Registration Required:
www.macmember.org
Chargebacks Processing Tech 101 Domenico Cirone, EVO
1:45 PM – 2:25 PM
2:25PM – 2:45 PM Break
Mastercard Product Updates and Feature
2:50 PM – 3:30 PM Brad Dilahunty, Mastercard
Enhancement for 2019
Sponsored by
Revised Standards: High-Risk Negative Option Billing
3:30 PM – 4:15 PM Merchant Requirements Jonathan Trivelas, Mastercard
4:15 PM Close of dayT U E S D AY
TIME SESSION SPEAKER
Breakfast sponsored by Discover
7:00 AM – 9:00 AM
Registration sponsored by Westamerica
Rise of the Risk Triangle: Making Fraud, Privacy, and Security
9:05 AM – 10:05 AM Al Pascual, Javelin Strategy
Strategic Priorities
Ellen Berge, Venable
Jon Genovese, Worldpay
M A R C H 12
10:05 AM – 10:50 AM Washington Fireside Chat
Chris Geron, Elavon
Edward 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
Vendor Spotlight: G2 Web Services—Pharma, Adult, & Dan Frechtling, G2 Web Services
1:05 PM – 1:35 PM
Gambling: Three Ways Merchant Risk Has Changed This Year
Vendor Spotlight: Infinicept—a World-Class, Made-to- Todd Ablowitz, Infinicept
1:05 PM – 1:35 PM
Order, Underwriting, Back Office, and Risk Monitoring Platform
Andrew Bigart, Venable,
Sandra Gogal, Miller Thompson,
1:40 PM – 2:20 PM Marijuana: Will You, Can You, and Should You?
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
Beneficial Ownership and KYC in Canada and USA—A Jacqueline Shinfield, Blake, Cassels
3:10 PM – 3:55 PM Comparison & Graydon LLP
Disrupting the Dark Web Data Trade: Prevention and
3:55 PM - 4:40 PM Implications of Cyber-Enabled Payment Card Fraud Danny Rogers, Terbium Labs
Vendor Spotlight: Midigator—Card Networks Ushering in a New Era for
4:40 PM – 5:10 PM Risk Tools & Strategies: Data Shows Technology Now a Requirement for Mark Standfield, Midigator
Revenue Protection & Growth
Vendor Spotlight: LegitScript—Partners in Cybercrime? Learn John Horton, LegitScript
4:40 PM – 5:10 PM
How Criminals Operate Online With Third-Party Support
5:10 PM Opening Reception Sponsored by Paypal and SysnetWEDNESDAY TIME
7:00 AM – 9:00 AM
SESSION
Breakfast sponsored by Venable
Registration sponsored by Westamerica
SPEAKER
MARC H 13 9:05 AM – 9:50 AM The Intersection of the Financial Services Industry and
Human Trafficking
Bradley Myles, Polaris
Catherine J. Cummings, ICMEC
9:50 AM – 10:30 AM The New Digital Identity Li Mao, Experian
10:30 AM – 11:00 AM Break sponsored by Shift4
Lori Breitzke, FIS
11:00 AM – 11:45 AM Prepaid Cards Are the New Favorite for Stephanie Schumacher, Meta Bank
Illegal Actors 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
Ron Teicher, EverCompliant
1:10 PM – 1:40 PM Vendor Spotlight: EverCompliant—How to Launder $20,000
in 20 Minutes. And How to Stop It. Noam Rabinovich, EverCompliant
1:10 PM – 1:40 PM Vendor Spotlight: Sysnet—The Impact of a Proactive Approach to Gabriel Moynagh, Sysnet
Compliance and Security Management for SMBs
Amy Lawrence, Frankfurt Kurnit Klein &
1:45 PM – 2:25 PM GDPR & California Privacy Law and How It Impacts Payments
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 David Ellis, Security Metrics
PCI Knowledge Burst Chris Bucolo, ControlScan
4:05 PM – 4:25 PM 2019 NACHA Rule Changes and Updates Jordan Bennett, NACHA
4:25 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— Marty Allain, National Association of
Addressing Common Misconceptions: Pharmacies in the Payment Boards of Pharmacy
Industry
Vendor Spotlight: Webshield—The Evolution of Merchant
5:10 PM – 5:40 PM Monitoring Mark Bongers, Webshield
5:40 PM End of DayTACTICAL MAC
M A RC H 14
TIME SESSION SPEAKER
7:00 AM – 9:00 AM Breakfast and Registration sponsored by Westamerica
9:05 AM – 9:45 AM Discover Insights Eric Steffensen, Discover
Kate Root, Chesapeake Bank
9:45 AM – 10:25 AM A Deep Dive into Registration Jeffrey De Petro, Esquire Bank
From an Acquirer's Lens Shari Savlick, Merrick Bank
Ofer Yitzhaki, Wells Fargo
10:25 AM – 10:45 AM Break sponsored by Sysnet
Key Areas in Your MPA/Sub MPA
10:45 AM – 11:05 AM to Worry About Theresa Kananen, AGG
Visa & Mastercard Discuss the Ever- Domenico Cirone, EVO
11:05 AM – 11:50 AM Changing Disputes and Chargebacks David Klotz, Visa
Landscape Doug Whiteside, Mastercard
11:50 AM – 12:10 PM ACH Network Update: Increasing
Jeanette Fox, NACHA
Awareness about Enhancements
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 DayT U E S D AY SESSION DESCRIPTIONS
RISE OF THE RISK TRIANGLE: MAKING
FRAUD, PRIVACY, AND SECURITY
STRATEGIC PRIORITIES | Tuesday, March 12 @ 9:05am – 10:05am
Within 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.
Al PascualWASHINGTON FIRESIDE CHAT
| Tuesday, March 12 @ 10:05am – 10:50am
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.
Ellen Berge, Jon Genovese, Chris Geron,
Edward MarshallFTC Updates on the Payment Processing
Industry
| Tuesday, March 12 @ 11:20am – 12:00pm
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.
Lois GreismanVENDOR SPOTLIGHT: G2 WEB SERVICES—
PHARMA, ADULT, & GAMBLING: THREE
WAYS MERCHANT RISK HAS CHANGED THIS
YEAR | Tuesday, March 12 @ 1:05pm – 1:35pm
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.
Dan FrechtlingVENDOR SPOTLIGHT: INFINICEPT – A WORLD-CLASS,
MADE-TO-ORDER, UNDERWRITING, BACK OFFICE, &
RISK MONITORING PLATFORM
| 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.
Todd AblowitzMARIJUANA: WILL YOU, CAN YOU, AND
SHOULD YOU? | Tuesday, March 12 @ 1:40pm – 2:20pm
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 HalpernBRAM OVERVIEW & HIGH RISK
MERCHANT UPDATES
| Tuesday, March 12 @ 2:20pm – 2:40pm
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 TrivelasBENEFICIAL OWNERSHIP AND KYC IN
CANADA AND USA—A COMPARISON
| Tuesday, March 12 @ 3:10pm – 3:55pm
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.
Jacqueline ShinfieldDISRUPTING THE DARK WEB DATA TRADE: PREVENTION
AND IMPLICATIONS OF CYBER-ENABLED PAYMENT CARD
FRAUD
| Tuesday, March 12 @ 3:55pm – 4:40pm
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 RogersVENDOR SPOTLIGHT: MIDIGATOR—CARD NETWORKS USHERING
IN A NEW ERA FOR RISK, TOOLS & STRATEGIES: DATA SHOWS
TECHNOLOGY NOW A REQUIREMENT FOR REVENUE PROTECTION
& GROWTH | Tuesday, March 12 @ 4:40pm – 5:10pm
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.
Mark StandfieldVENDOR SPOTLIGHT: LEGITSCRIPT—PARTNERS IN CYBERCRIME?
LEARN HOW CRIMINALS OPERATE ONLINE WITH THIRD-PARTY
SUPPORT | Tuesday, March 12 @ 4:40pm – 5:10pm
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.
John HortonWEDNESDAY SESSION DESCRIPTIONS
THE INTERSECTION OF THE FINANCIAL SERVICES
INDUSTRY AND HUMAN TRAFFICKING
| Wednesday, March 13 @ 9:05am – 9:50am
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.
Bradley Myles, Catherine J. CummingsTHE 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 MaoPREPAID CARDS ARE THE NEW FAVORITE
FOR ILLEGAL ACTORS
| Wednesday, March 13 @ 11:00am – 11:45am
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 NuttingPCI: WHAT’S MOVING THE
NEEDLE? | Wednesday, March 13 @ 11:45am – 12:05pm
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 FritscheVENDOR SPOTLIGHT: SYSNET
| Wednesday, March 13 @ 1:10pm – 1:40pm
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.
Gabriel MoynaghVENDOR SPOTLIGHT: EVERCOMPLIANT—HOW TO
LAUNDER $20,000 in 20 MINUTES. AND HOW TO STOP
IT. | 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.
Ron Teicher and Noam RabinovichtGDPR & CALIFORNIA PRIVACY LAW AND
HOW IT IMPACTS PAYMENTS
| Wednesday, March 13 @ 1:45pm – 2:25pm
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 LawrenceVISA EXPLORES THE INTERSECTION
BETWEEN THE RULES AND THE WORK
| Wednesday, March 13 @ 2:25pm – 3:05pm
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 FitzgeraldPCI KNOWLEDGE BURST
| Wednesday, March 13 @ 3:35pm – 4:05pm
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 Bucolo2019 NACHA RULE CHANGES AND
UPDATES
| Wednesday, March 13 @ 4:05pm – 4:25pm
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 BennettLATEST FRAUD TRENDS
| Wednesday, March 13 @ 4:25pm – 5:10pm
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.
Claire Le GalVENDOR SPOTLIGHT: WEBSHIELD—THE
EVOLUTION OF MERCHANT MONITORING
| Wednesday, March 13 @ 5:10pm – 5:40pm
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.
Marc BongersVENDOR SPOTLIGHT: NATIONAL ASSOCIATION
OF BOARDS OF PHARMACY—ADDRESSING
COMMON MISCONCEPTIONS: PHARMACIES IN
THE PAYMENT INDUSTRY
| Wednesday, March 13 @ 5:10pm – 5:40pm
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.
Marty AllainTACTICAL MAC SESSION DESCRIPTIONS
DISCOVER INSIGHTS
| Thursday, March 14 @ 09:05am – 09:45am
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.
Eric SteffensenA DEEP DIVE INTO REGISTRATION FROM
AN ACQUIRER’S LENS
| Thursday, March 14 @ 9:45am – 10:25am
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.
Kate Root, Jeffrey De Petro, Elaine Jamer, Shari Savlick, Ofer YitzhakiKEY AREAS IN YOUR MPA/SUB MPA TO
WORRY ABOUT
| Thursday, March 14 @ 10:45am – 11:05am
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.
Theresa KananenVISA/MASTERCARD ROUNDTABLE: THE EVER-
CHANGING DISPUTES AND CHARGEBACKS
LANDSCAPE | 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 SheehanACH NETWORK UPDATE: INCREASING
AWARENESS ABOUT ENCHANCEMENTS
| Thursday, March 14 @ 11:50am – 12:10pm
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.
Jeanette FoxFOCUS ON THE FUTURE
| Thursday, March 14 @ 12:10pm – 12:25pm
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.
Jeff De PetroYou can also read
