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2 ABOUT THE PAYMENTS INDUSTRY TRAINING AND MASTERCLASS Payments Consulting Network will be conducting the Payments Industry Training and Masterclass over a week in Sydney and Brisbane in July. Topics being presented at the training seminars include the payments landscape; PCI; EMV; payment and messaging protocols; clearing systems; device accreditation; issuing and acquiring; and a comprehensive review of fraud detection and security. The training seminar will be run as an identical two day seminar in Sydney and a one day condensed seminar in Brisbane. Delegates will benefit from both the overview and introduction to specific topics as well as the more in-depth review of issues in the Masterclasses. WHO SHOULD ATTEND? Roles Payments business managers Compliance managers Risk managers Fraud management teams Product managers QA and certification teams Organisations Financial institutions Mobile network operators Device manufacturers WHY SHOULD YOU ATTEND? Card schemes Payment service providers Payment application developers Processers Payment gateways New entrants Get an in-depth look into the evolving payments industry and how to gain the competitive edge. Receive the latest information and best practice about the changing payments industry. Opportunity to network with your industry peers. Get valuable and world-class takeaways to understand and grow your business. Identify important trends, challenges and build critical skill sets. Learn from industry leaders, all experts in their niche areas. See the key learning outcomes under each topic in the programme for further benefits of attending. HOW TO REGISTER AND FEES Registrations close at 5.00pm on Wednesday 17 July Registration options Individual registrations: Register online and pay with your credit card (Visa and Mastercard accepted). Individual and group registrations: Register via by contacting Cassandra Hargreaves and outlining your registration requirements to receive a tax invoice and pay via EFT/bank transfer or cheque. Individual registration fee N.B. All prices are quoted in Australian dollars and include GST. Ticket type Registration fee 2 day seminar (4 sessions) $ 2,400 1 day seminar or 2 sessions $ 1,320 1 session $ 750 Group registration discounts Group discounts are available if the registration and payment is made as a single application. Discount rates are: 3-6 delegates: 10% discount 7-10 delegates:15% discount 11+ delegates: 20% discount

3 PAYMENTS CONSULTING NETWORK PRESENTERS The Payments Consulting Network Associates presenting the training seminars and Masterclasses have a combined 100 years experience in the payments industry. Each Associate has unparalleled expertise and is a highly knowledgeable expert in the topic they will be presenting at each of the three training seminars being held in Sydney, Brisbane and Melbourne. Ron Hill, Associate, Sydney Ron has extensive experience in both retail and wholesale payments. He has had significant exposure to a wide range of both legacy and emerging payments solutions. He has successfully filled a range of senior and executive roles, including Chief Information Officer and Chief Technology Officer. These roles have been in a wide range of organisations in the UK, Australia and SE Asia. He has provided consultancy to multiple organisations on a range of payments-related topics e.g. switch establishment/replacement, payments roadmaps and architectures, PCI, fraud, market and technology trends, and platform selections. Ron has a Bachelor of Science (Economics) from the University of London. Rod Tasker, Associate, Melbourne Rod consults in strategic management and innovative solution delivery in the banking and finance industry. He has experience in Australia and internationally and is an expert in payment services, e-commerce and transaction banking. Rod has a track record in defining, designing and driving profitable business change and product innovation based on an in-depth appreciation of both business and technology. PAYMENTS CONSULTING NETWORK Payments Consulting Network s team of experienced payments industry consultants creates value for our clients throughout the engagement from strategy development to project execution. Each of our associates typically has between 15 to 40 years experience in the payments industry. The breadth and depth of our team, combined with our unique business model, means that we are able to provide specialist industry expertise, on small and large scale projects, at 30-40% lower rates than comparable consulting firms. We have a have a national presence with offices in Sydney, Melbourne, Brisbane and Singapore with plans underway to open offices in New Zealand and other South-East Asian centres within the next six months. All the major Australian banks and most tier 2 and tier 3 financial institutions are clients of our market studies and industry roundtables. Rod has a BSc (Computer Science), BA (Maths and Philosophy), Grad Dip Business (Bank and Finance) and AICD Directors accreditation. Andrew Weaver, New Zealand Country Lead, Wellington Andrew is a payments and cards specialist with more than 25 years hands-on management, strategic consultancy and systems development experience built throughout New Zealand, Australia, Asia and the Middle East. For the last 7 years Andrew has specialised in fraud risk management strategy and systems, working with both banks and credit card schemes on fraud detection, EMV and 3D secure initiatives. Hailing from a technical background Andrew brings a comprehensive knowledge of cards processing and technologies. He applies that knowledge to deliver business-focused solutions in fraud and risk mitigation, product delivery, service management, and problem/issue resolution. Mangala Martinus, Managing Director, Sydney Mangala has over 20 years experience in the financial services and payments industry and a proven track record in developing and executing innovative and practical business strategy based on detailed market and financial analysis that delivers profitable long term strategic outcomes. He has a deep knowledge and expertise in the following channels and segments: ATMs, merchant acquiring, transaction processing, e-commerce and direct entry. He holds a Master of Business Administration from the University of Technology, Sydney, and a Bachelor of Commerce from the University of NSW.

4 PROGRAMMES 22 July Sydney Registration Session 1: PROTOCOLS INTRODUCTION TO SCHEMES AND PAYMENT PROTOCOLS Message formats, implementation guidelines, operating rules, security and exceptions Overview of major protocols in use in Australia: AS 2805/ISO8583, EMV, BECS, SWIFT Mastercard and BPAY interchange Message flows Emerging protocols:iso20022 Other protocols: Edifact and X Morning tea o Understand what a payment scheme is and explore a range of examples to achieve results in your business o Learn the basics of the common payment protocols used in Australia, including AS2805, BECS and SWIFT AS 2805 MASTERCLASS Scope and format Key features and issues Full version versus fast track version Differences between AS and ISO Lunch o Learn the main attributes message types, fields and security features of the main protocol used for Australian credit and debit card transactions o Gain an understanding of how AS2805 compares to ISO8583, its limitations and how it's developing Session 2: EUROPAY, MASTERCARD AND VISA (EMV) AND CERTIFICATION INTRODUCTION TO EMV Overview of EMV Benefits of EMV Implementation considerations Ron Hill and Rod Tasker o Learn the objectives of EMV o Understand what an EMV Co.is and the applications you need to consider o Become aware and gain a complete understanding of how an EMV transaction is processed o Gain a knowledge and grasp of the key features of EMV

5 INTRODUCTION TO CERTIFICATION What is "certification"? Who needs it and why? PCI/DSS, EMV, APCA, device certification and card scheme requirements Certification planning, procedures and costs Testing laboratories Integration and deployment o Given it is not only devices that require certification this topic will explore merchants that need to verify their PCI status and banks that need to have certified connections to payment networks and provide an understanding of what this means, who requires certification and why o Learn how to incorporate measures in your businesses including who to contact, what to expect and how much you should budget Afternoon tea DEVICE CERTIFICATION MASTERCLASS Device Certification lifecycle and planning Key stakeholders Support and assistance o Acquire a working knowledge of what needs to be certified before EFTPOS terminals and ATMs are deployed in Australia o Understand who to contact, what to expect and how much you should budget FEEDBACK SESSION 23 July Sydney Registration Session 3: PAYMENTS LANDSCAPE, CLEARING SYSTEM 3 AND PAYMENTS CARD INDUSTRY (PCI) DATA SECURITY STANDARD (DSS) INTRODUCTION TO THE PAYMENTS LANDSCAPE What is a payment? Overview and description of each Clearing System (CS1 to CS4) Types of payments: cash, paper, account to account, card and the various nuances and sub-types (including card schemes, charge cards, debit, BPAY, High Value, Bulk) Size of the market - How many payments are conducted each year in Australia? How many to/from Australia? By whom to whom? Participants: payment providers (banks, non-banks), regulators, payers (buyers, payables, payments), payees (sellers, receivables, collections), switches and gateways Law, regulation and licences: Banking Act, Corporations Law, AML/CTF, APRA, ASIC, AUSTRAC, ADI/SCCI, AFSL and reporting entities Industry bodies: APCA, EPAL, BPAY, Visa, MasterCard and AMEX o Gain an in-depth knowledge of the sub-industry working behind the scenes to keep commerce and the economy ticking o Become familiar with the different types of payments that have arisen for different user segments and requirements and examine those that are growing versus those that are declining based on macro-economics and shifting consumer preferences o Understand that Australian payments are highly governed and regulated and how this makes it a safe and predictable market to conduct business, while compliance is also a significant burden

6 Morning tea CLEARING SYSTEM 3 MASTERCLASS The scope of clearing systems Topography including who, how and the COIN Message flows, standards and switch functionality Platforms and technologies Current and future issues Ron Hill and Rod Tasker o Understand the scope of Clearing System 3 o Take away a complete comprehension of the key components, functionality and technologies o Appreciate and learn the future issues and what to look out for INTRODUCTION TO PCI Overview of PCI Benefits of PCI Implementation considerations Ron Hill and Andrew Weaver Lunch o Understand the objectives of PCI DSS o Learn who should comply and why o Become aware of the 12 Requirements of PCI DSS o Understand the process for achieving compliance Session 4: FRAUD MANAGEMENT INTRODUCTION TO FRAUD MANAGEMENT The organised business of fraud Security innovation and payments system integrity Finding the right customer experience balance Andrew Weaver and Ron Hill o Understand the organised business of fraud and how it impacts your risk and exposure o Become familiar with fraud detection and prevention technologies o Gain a knowledge of the principles of balancing fraud prevention, customer experience and technology investment Afternoon tea FRAUD MANAGEMENT MASTERCLASS The strategy of fraud risk management Case study - the impact of EMV on card fraud in Australia Understanding risk and liability, building capability and empowering internal teams Current challenges and emerging trends Andrew Weaver and Ron Hill o Gain a knowledge of the key factors in developing a proactive fraud risk management strategy o Develop an understanding of scheme and regulatory risk and liability frameworks o Obtain an appreciation of present and emerging fraud risk challenges FEEDBACK SESSION

7 24 July Brisbane Registration Session 5: PAYMENTS LANDSCAPE, CS3 AND THE ACQUIRING AND ISSUING VALUE CHAIN INTRODUCTION TO THE PAYMENTS LANDSCAPE What is a payment? Overview and description of each Clearing System (CS1 to CS4) Types of payments: cash, paper, account to account, card and the various nuances and sub-types (including card schemes, charge cards, debit, BPAY, High Value, Bulk) Size of the market - How many payments are conducted each year in Australia? How many to/from Australia? By whom to whom? Participants: payment providers (banks, non-banks), regulators, payers (buyers, payables, payments), payees (sellers, receivables, collections), switches and gateways Law, regulation and licences: Banking Act, Corporations Law, AML/CTF, APRA, ASIC, AUSTRAC, ADI/SCCI, AFSL and reporting entities Industry bodies: APCA, EPAL, BPAY, Visa, MasterCard and AMEX Morning tea o Gain an in-depth knowledge of the sub-industry working behind the scenes to keep commerce and the economy ticking o Become familiar with the different types of payments that have arisen for different user segments and requirements and examine those that are growing versus those that are declining based on macro-economics and shifting consumer preferences o Understand that Australian payments are highly governed and regulated and how this makes it a safe and predictable market to conduct business, while compliance is also a significant burden CLEARING SYSTEM 3 MASTERCLASS The scope of clearing systems Topography including who, how and the COIN Message flows, standards and switch functionality Platforms and technologies Current and future issues Ron Hill and Rod Tasker o Understand the scope of Clearing System 3 o Take away a complete comprehension of the key components, functionality and technologies o Appreciate and learn the future issues and what to look out for OVERVIEW OF ISSUING AND ACQUIRING The issuing and acquiring landscape and systems Value chain analysis Revenue and expense drivers Key challenges and opportunities with a particular focus on regional banks Mangala Martinus and Rod Tasker o Learn what activities are involved, the key players and the revenue and cost flows o Examine card issuing and understand where the opportunities are and what to expect at various operational scales o Gain an understanding of the challenges in merchant acquiring, how the competitive landscape is changing, and the evolving role of that financial institutions play in this space o Learn how the mobile revolution is going to affect issuing and acquiring Lunch

8 Session 6: FRAUD, PCI AND EMV FRAUD MANAGEMENT The business of fraud The industry fights back Finding balance The strategy of Fraud Risk Management Tools of the trade Andrew Weaver and Ron Hill o Understand the organised business of fraud and how it impacts your risk and exposure o Become familiar with fraud detection and prevention technologies and scheme liability principles o Gain a knowledge of the key factors in developing a proactive fraud risk management strategy Afternoon tea INTRODUCTION TO PCI Overview of PCI Benefits of PCI Implementation considerations Ron Hill and Andrew Weaver o Understand the objectives of PCI DSS o Learn who should comply and why o Become aware of the 12 Requirements of PCI DSS o Understand the process for achieving compliance INTRODUCTION TO EMV Overview of EMV Benefits of EMV Implementation considerations Ron Hill and Rod Tasker o Learn the objectives of EMV o Understand what an EMV Co.is and the applications you need to consider o Become aware and gain a complete understanding of how an EMV transaction is processed o Gain a knowledge and grasp of the key features of EMV CLOSING REMARKS MORE INFORMATION: available on the Event Website or contact Cassandra Hargreaves, Associate: E: events@paymentsconsulting.com.au T: A: Level 12, 95 Pitt Street, Sydney NSW 2000 M:

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