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2 ABOUT THE PAYMENTS INDUSTRY TAILOR-MADE COURSES As the global payments industry continues to change and evolve your staff will need to keep ahead and be informed of the latest information. Payments Consulting Network can design a course to meet your organisations needs. We offer a wide range of options which are defined by you in consultation with the training presenters. This includes the choice of subjects, duration, location and target group. With tailor-made courses, you can choose the course that s right for you. Mix and match objectives and topics, location and course length and the number of participants to suit you. TYPICAL ROLES AND ORGANISATIONS TO BENEFIT Roles Payments business managers Compliance managers Risk managers Fraud management teams Product managers QA and certification teams Organisations Financial Institutions Card schemes Processors Mobile network operators Payment service providers Payment gateways Device manufacturers Payment application developers New entrants BENEFITS A customised course to meet your staffs specific needs. We can create a course based on an identified skill gap or workplace issue or if you prefer our consultants can talk with you about your training needs and suggesting a course. You can choose the location, duration and timing By training whole groups or teams you make sure it is inclusive which means the course has greater and more lasting impact 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 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 COSTS Costs vary from event to event and is dependent on the: Duration: a typical course consists of modules that are between half, 1 or 2 days long Location: typical locations were we operate are Sydney, Melbourne, Brisbane, Wellington, Singapore, Mumbai and other major cities across the Asia-Pacific region. Remote locations may have a slightly higher fee to cover operating and travel costs Venue and catering: we can deliver training in-house at your organisation for a reduced cost or alternatively provide facilities in your location to meet your needs Participants: by training your team in one go, the cost per person is less. We provide group discounts which are Tiered at 10+, 15+ and 20+. The more people you send the greater cost spread while ensuring maximum uptake Costs cover the following elements: Content development, including expertise to develop, revise, or customise pedagogical material to the needs of the requested organisation Assessment of training needs of the targeted beneficiaries Facilitation and supervision expertise during the implementation of the activity General programme development costs covering the time needed to prepare and implement the training activity Travel and accommodation of expert presenters Purchase and reproduction of training material and supplies Communication and shipment of training material All audio visual material and requirements FURTHER INFORMATION: Please contact Cassandra Hargreaves, Associate, Events and Marketing Director T: E: cassandra.hargreaves@paymentsconsulting.com M: P: Level 12, 95 Pitt Street, Sydney NSW 2000

3 ABOUT PAYMENTS CONSULTING NETWORK Payments Consulting Network is an international team of experienced payments industry consultants working collaboratively together to create 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 35-40% lower rates than comparable consulting firms. With offices in Australia, Singapore, Mumbai, New Zealand, Vietnam we have a strong and growing Asia-Pacific presence and an expanding network of international partners that provides global coverage. INDUSTRY EXPERTISE In the fast evolving payments landscape, which is subject to a myriad of regulatory and compliance requirements, many organisations struggle to keep up with the rapid pace of change. Payments Consulting Network addresses these issues and our industry expertise in payments is extensive and includes but is not limited too: ATM s Bill payments Business payments Cards Cash-in-transit Certification Clearing systems Consumer finance Contactless and NFC Direct Entry E-commerce Emerging payment innovations EMV Fraud detection and management ISO8583 and AS 2805 standards Issuer and acquirer payments Merchant acquiring Mobile app monetisation Mobile banking Mobile payments Payment networks/gateways Payments platforms/systems PCI DSS (including Version 3.0) POS Real-time A2A payments Switching Telecommunications Transaction banking Treasury and cash management Wholesale/retail cash distribution We are able to tailor-make a training seminar that includes components of one or several of these areas. Areas indicated in bold are explained further in the pages following entitled Suggested Seminar Modules.. PAYMENTS NETWORK CONSULTING PRESENTERS Each of our associates typically has between 15 to 25 years experience in the payments industry. Given the breadth of our team and their expertise we can put together a team of experienced payments industry professionals depending on the topics you wish to be delivered and your location. In addition to Payments Industry Training our experienced consulting team delivers an extensive portfolio of services that includes but is not limited too: Benchmarking Payments industry training and courses Bid management Business cases Business process re-engineering Call centre Capital raising Change management Channel strategy development Contract negotiation Event management Financial modelling Industry representation Industry round tables IT strategy development Logistics Loyalty and rewards management Market research Marketing communications Marketing strategy development Media relations Mergers and acquisitions Online and digital marketing Organisational design Outsourcing Payments application architecture design Pricing Product strategy development and management Program and project management Public speaking, Presentations and coaching; Reporting and budgeting Risk management/compliance Sales management Security Segmentation development Social media Stakeholder management Strategic planning Strategic sourcing including RFP support Strategy development Technology infrastructure reviews Underwriting Please contact us to find out more about our services and how we can assist you and your organisation. FURTHER INFORMATION: Please contact Cassandra Hargreaves, Associate, Events and Marketing Director T: E: cassandra.hargreaves@paymentsconsulting.com M: P: Level 12, 95 Pitt Street, Sydney NSW 2000

4 SUGGESTED MODULES Courses can be constructed by combining suggested training modules outlined in the following pages or a totally new topic can be developed in consultation with Payments Consulting Network. Modules can be pitched at introductory, overview and more in-depth workshop topics depending on your organisations needs. INTRODUCTION TO THE PAYMENTS LANDSCAPE (60 mins) 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 Gain an in-depth knowledge of the sub-industry working behind the scenes to keep commerce and the economy ticking Become familiar with 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 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 INTRODUCTION TO SCHEMES AND PAYMENT PROTOCOLS (60 mins) 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.12 Understand what a payment scheme is and explore a range of examples to achieve results in your business Learn the basics of the common payment protocols used in Australia, including AS2805, BECS and SWIFT INTRODUCTION TO EUROPAY, MASTERCARD AND VISA (EMV) (60 mins) Overview of EMV Benefits of EMV Implementation considerations Learn the objectives of EMV Understand what an EMV Co. is and the applications you need to consider Become aware and gain a complete understanding of how an EMV transaction is processed Gain a knowledge and grasp of the key features of EMV INTRODUCTION TO PAYMENTS CARD INDUSTRY (PCI) DATA SECURITY STANDARD (DSS) (60 mins) Overview of PCI DSS including the updates to PCI DSS Version 3.0 (released November 2013) Benefits of PCI DSS Implementation considerations Understand the objectives of PCI DSS and how the PCI DSS 3.0 will affect your organisation Learn who should comply and why Become aware of the 12 requirements of PCI DSS Understand the process for achieving compliance

5 SUGGESTED MODULES (cont ) OVERVIEW OF ISSUING AND ACQUIRING VALUE CHAIN (60 mins) Value chain analysis Revenue and expense drivers Key challenges and opportunities with a particular focus on regional banks Learn what activities are involved, the key players and the revenue and cost flows Examine card issuing, understand where the opportunities are and what to expect at various operational scales 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 Learn how the mobile revolution is going to affect issuing and acquiring INTRODUCTION TO CERTIFICATION (60 mins) 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 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 Learn how to incorporate measures in your businesses including who to contact, what to expect and how much you should budget DEVICE CERTIFICATION WORKSHOP (90 mins) Device certification lifecycle and planning Key stakeholders Support and assistance Acquire a working knowledge of what needs to be certified before EFTPOS terminals and ATMs are deployed in Australia Understand who to contact, what to expect and how much you should budget CLEARING SYSTEM 3 WORKSHOP (90 mins) 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 Understand the scope of Clearing System 3 Take away a complete comprehension of the key components, functionality and technologies Appreciate and learn the future issues and what to look out for THE MOBILE MONEY ECOSYSTEM (60 mins) International insights into mobile payments Key stakeholders Trends and innovations New entrants Learn the scope of mobile money on an international scale Understand trends and innovations and how they are affecting the payments industry Become aware of the new entrants into the market

6 SUGGESTED MODULES (cont ) AS 2805 WORKSHOP (90 mins) Scope and format Key features and issues Full version versus fast track version Differences between AS and ISO Learn the main attributes - message types, fields and security features - of the main protocol used for Australian credit and debit card transactions Gain an understanding of how AS2805 compares to ISO8583, its limitations and how it s developing INTRODUCTION TO FRAUD MANAGEMENT (60 mins) The organised business of fraud Security innovation and payments system integrity Finding the right customer experience balance Understand the organised business of fraud and how it impacts your risk and exposure Become familiar with fraud detection and prevention technologies Gain a knowledge of the principles of balancing fraud prevention, customer experience and technology investment FRAUD MANAGEMENT STRATEGY (60 mins) The business of fraud The industry fights back Finding balance The strategy of Fraud Risk Management Tools of the trade Understand the organised business of fraud and how it impacts your risk and exposure Become familiar with fraud detection and prevention technologies and scheme liability principles Gain a knowledge of the key factors in developing a proactive fraud risk management strategy FRAUD MANAGEMENT WORKSHOP (90 mins) 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 Gain a knowledge of the key factors in developing a proactive fraud risk management strategy Develop an understanding of scheme and regulatory risk and liability frameworks Obtain an appreciation of present and emerging fraud risk challenges OVERVIEW OF REAL-TIME PAYMENTS (60 mins) Australian regulatory environment and the Reserve Bank of Australia s (RBA s) strategic objectives An Australian roadmap for real-time account to account payments International insights Gain a national and global understanding of current and projected trends in the real-time payments space Understand the regulatory environment and industry initiatives to meet the RBA s requirements

7 SUGGESTED MODULES (cont ) CARDS AND INTERCHANGE 4 party card schemes (e.g. Visa, Mastercard, eftpos) 3 party card schemes (e.g. American Express, Diners Club) Overview of interchange Current challenges and emerging trends Gain a knowledge of the cards and interchange space Develop an understanding of 3 and 4 party card schemes Obtain an appreciation of present challenges and emerging trends PAYMENT GATEWAYS - HELP OR HINDRANCE? Typical business models - proprietary versus white-label Suite of products and services, their fees and charges Technical platforms and integration Compliance and regulations Future and emerging trends - a 10 year view Understand what a payment gateway does and the various products and services available Appreciate the compliance and regulatory factors relating to payment gateways Learn the emerging and future trends in this space and how it can be applied to your own business FURTHER INFORMATION: To obtain a quote and discuss your requirements please contact Cassandra Hargreaves: T: E: cassandra.hargreaves@paymentsconsulting.com M: P: Level 12, 95 Pitt Street, Sydney NSW 2000

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