Dirécto a México & FedGlobal ACH Payments
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1 Dirécto a México & FedGlobal ACH Payments Directo a México Conference Federal Reserve Bank of Atlanta December 1-2, 2010 Elizabeth McQuerry Federal Reserve Retail Payments Office Copyright Federal Reserve Bank of Atlanta (USA) 2010
2 Topics FedGlobal Directo a México Account2Receiver Marketing Options 2
3 FedGlobal ACH Payments 3
4 Where We Are Multi-country reach 34 countries across Americas and Europe Varied payment options Account to Account (A2A) and Account to Receiver (A2R) payments Multi-currency Varied foreign exchange types Varied marketing options financial institutions can customize marketing campaigns 4
5 How We Got Here Collaboration Directo a México source of many innovations in FedGlobal ACH Payments First white label First web site oriented to a particular service Development of F3X payments Development of A2R payments 5
6 FedGlobal SM Gateway Partners Country/Region Canada Europe Mexico Panama Other Latin America Bank of Nova Scotia DZ Bank Equens (Third Party Service Provider) Banco de Mexico Banco Nacional de Panama Telered (Third Party Service Provider) Foreign Gateway Operator Banco Rendimento Micro-Finance International Corporation (Third Party Service Provider) 6
7 Service Areas and Timelines Region Countries Funds to RDFI Europe Canada Central America South America Austria, Belgium, Cyprus, Czech Rep., Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxemburg, Malta, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden Switzerland, United Kingdom D + 2 F3X (Euro and UK Pound) D + 1 Canada D + 1 Mexico (A2A and A2R) D + 1 Mexico F3X (Mexican Peso) D + 1 Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua (A2R) D + 1 Panama D + 1 Argentina, Brazil, Columbia, Peru, Uruguay (A2R) D + 1 7
8 Foreign Exchange Website Foreign Exchange Rates posted daily, by country. Currency and Country Codes are included. A calculator is provided to determine foreign currency amounts. Users can download an archive of rates for a period up to 1 year. 8
9 Per Item Surcharges Forward Credit Return Trace Request Canada $0.62 $0.99 $5.50/$7.00 Europe $1.25 $1.35 $7.00 Mexico (A2A) $0.67 $0.91 $13.50 Mexico (A2R) $3.45 $0.91 $13.50 Other Latin America (A2R) $4.40 $0.72 $5.00 Panama $0.72 $1.00 $7.00 9
10 FedGlobal Compliance FedGlobal monitors payments processed and maintains a compliance program aimed at ensuring that payments transacted over the service are compliant with U.S. laws and regulations. The FRBA compliance program includes: 1) Transaction monitoring for Anti-Money Laundering and OFAC compliance at the aggregate level 2) Transaction monitoring for limits on the payment value by originator, where applicable 3) Establishing compliance obligations for payment processing in agreements with gateway operators and third-party service providers and reviews of service and country risk 10
11 Directo a México 11
12 Features Uses cost-efficient ACH Certainty of payment Low-cost fees Attractive foreign exchange 2 options for beneficiary to receive funds Ability to trace funds Marketing options 12
13 Mexico (A2A) Mexico (A2R) Other Latin American (A2R) From where Any account in the U.S. Any account in the U.S. Any account in the U.S. To where Funds Availability FX Rate Transfer Amount Fee to U.S. ODFI - Any account at Mexican banks -Many L@Red de la Gente accounts Pick up funds at any Telecomm location Pick up funds at select banks in Argentina, Brazil, Colombia, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Peru, Uruguay Next business day Next business day Next business day Mexico Wholesale Rate less 0.21% Mexico Wholesale Rate less 0.21% USD delivery to 6 countries & competitive rate No limit $1,000 per item $1,000 per item $0.67 $3.45 $4.40 Fee to Receiver $0.00 $0.00 $
14 . A2A Payment Processing Flow Dallas, Texas: Monday Maria goes to her credit union to send money to her mother NACHA IAT U.S. Federal Reserve Bank. Celaya, Guajuato. Tuesday Any bank in Mexico, including Bansefi and Banco de México 14 14
15 Maria wants to send $360 dollars to her mother Traditional Remittance Directo a México Amount Cost of the Transfer Pesos per Dollar (Exchange Rate) x x Amount received by Maria s Mother 4, , My mother will receive more pesos if I use Directo a Mexico. I can also put the $5 dollars that I saved on the transfer into my savings account. Total Commission in Dollars *Toma como referencia el Fix publicado por Banco de México el 24 de marzo de
16 Annual Savings María sends $360 dollars to her mother each month Example in U.S. Dollars Cost of Transfer Exchange Rate Commission Total Fee Savings for Maria* Annual Benefit to Mother (USD) Traditional Transfer Directo a México Savings with Directo a México Example based on actual data for March 24,
17 Value to Maria s Mother 17
18 Progress to Date 35,000 $20,000,000 30,000 25,000 Transactions (left scale) $17,500,000 $15,000,000 20,000 $12,500,000 15,000 10,000 Value (USD) (right scale) Total No. of Transactions 2,175,451 Total Value Transferred $1,014,872,174 $10,000,000 $7,500,000 $5,000,000 5,000 $2,500,000 0 $- 18
19 A2R 19
20 . A2R Payment Processing Flow Dallas, Texas: Monday Maria goes to her credit union to send money to her mother NACHA IAT U.S. Federal Reserve Bank. More than 6,000 Points of Payment throughout Latin America - Tuesday A2R Payor Locations Banco de México or MFIC 20 20
21 Payer Locations Region Country Payer(s) Number of Locations by Country North America Mexico Telecomm 1,600 Central America Costa Rica Banco Uno 19 El Salvador Banco Cuscatlan, Banco Uno, FedeCredito, ScotiaBank 310 Guatemala Banco Industrial, Banco Uno, Banrural, Banco Cuscatlan, Banco G&T Continental, Banco Agromercantil, Banco de Antigua 1,550 Honduras Banco Atlantida, Banco Uno, Banhcafe, Banpro 273 Nicaragua Banco Uno, Findesa, Banpro, Bancentro 145 South America Argentina BBVA Banco Frances 260 Brazil Banco Rendimento 473 Colombia BanColombia, Banco Davivienda 1,170 Peru BCP-Banco de Credito del Peru, InterBank, MiBanco 1,365 Uruguay BBVA 9 21
22 Destinations and Currencies Region Country Destination Currency Foreign Exchange (FX) Option North America Mexico Pesos FV Central America Costa Rica USD FF El Salvador USD FF Guatemala Quetzal FV Honduras Lempira FV Nicaragua USD FF South America Argentina USD FF Brazil Real FV Colombia Peso FV Peru USD FF Uruguay USD FF 22
23 Sending an A2R Payment 23
24
25 Picking Up an A2R Payment Valid photo identification documents by destination country Country Argentina Brazil Columbia Costa Rica El Salvador Guatemala Honduras Mexico Peru Uruguay Unique Receiver ID Requirements National Identity Card Individual Registry Card Citizenship Card National Identity Card Unique Identification Card National Residence Card National Identity Card National Identity Card or Matricula Consular National Identity Card National Identity Card 25
26 Value Limits by Originator Each Account-to-Receiver (A2R) item is limited to a value of $1,000 USD. Rolling cumulative value limits by originator also apply to the A2R service. U.S. ODFIs should monitor their own originators against these limits. If an originator attempts to circumvent these limits by utilizing more than one U.S. ODFI, transaction monitoring will detect this and the affected U.S. ODFI(s) will be notified. 26
27 Marketing 27
28 White Brand Options Directo a Mexico GlobeNow Focus Mexico only Any combination of FedGlobal service destinations Payment Types Account to Account Account to Receiver Account to Account Account to Receiver Collateral Material Poster Brochure (Banco de Mexico will provide) Website Poster available now Brochure (2011) Cost Complementary to registered FIs Complementary to registered FIs Consumer Oriented Yes Yes new look 28
29 Directo a México Templates for brochures and posters Authorized use of logo on FI website and other marketing collateral Link to FI website on 29
30 30
31 - suite of options CanadaConnection SM materials also available. 31
32 - New A2R focus LOGO Text 32
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