2015, EPCOR. All Rights Reserved. 1
|
|
- Maximillian Arnold
- 8 years ago
- Views:
Transcription
1 s Risks Regional Payments Associations, through their Direct Membership in NA, are specially recognized and licensed providers of education, publications and support. Regional Payments Associations are directly engaged in the NA rulemaking process and Accredited Professional (AAP) program. NA owns the copyright for the NA Operating Rules & Guidelines. The Accredited Professional (AAP) is a service mark of NA. What will you learn? After this course, you will be able to: Identify each of the risk categories Given a scenario, identify the payment system and the risk(s) Risks 2015, EPCOR. All Rights Reserved. 1
2 Operational Risk Occurs when a transaction is altered or delayed due to an unintentional error, operational risk includes clerical error or hardware and/or software failures. Operational Risk Bad image Missing payroll file Forgot to hot card a stolen card Sent money to wrong account holder Fraud Risk Occurs when a payment transaction is initiated or altered in an attempt to misdirect or misappropriate funds by any party to the transaction. 2015, EPCOR. All Rights Reserved. 2
3 Fraud Risk Altered checks Account takeover Stolen card Unauthorized wire transfers/account takeover Compliance Risk Occurs when a party to a transaction fails to comply, either knowingly or inadvertently, with Network rules & policies, regulations, and applicable U.S. and state law. Compliance Risk Failure to provide funds availability disclosure Failure to conduct annual Rules Audit Failure to provide timely provisional credit Failure to provide UCC 4A notices 2015, EPCOR. All Rights Reserved. 3
4 Credit Risk Occurs when a party to a transaction cannot provide the necessary funds, as contracted, in order for settlement to occur. Credit Risk Excessively overdrawing account Bankrupt Originator limit too high Uncollected funds Strategic Risk Occurs when management has not dedicated the capital or human resources to any given process or product. 2015, EPCOR. All Rights Reserved. 4
5 Strategic Risk Remote Deposit Capture Direct Access to the Operator Prepaid program International Consumer Transfers Systemic Risk Occurs when the inability of one funds transfer system participant to settle its commitments will cause the other participants to be unable to settle their commitments. Risks 2015, EPCOR. All Rights Reserved. 5
6 Third-Party/Vendor Risk Occurs when data processors, vendors, other financial institutions or other organizations that provide payment processing services fail to meet agreed-upon commitments to the financial institution. Reputation Risk Occurs when a account holder s confidence in a financial institution or a specific payment channel will be diminished. High-Risk Activities Occurs when a financial institution and/or account holders engage in potentially illegal activities or a high-risk industry. 2015, EPCOR. All Rights Reserved. 6
7 Cross-Channel Risk Occurs when there is movement of fraudulent or illegal payment transactions from one payments channel to another. Cross-Channel Risk & - Deposit a large fraudulent check to increase account balance, then use debit card to remove funds at an ATM and make large dollar purchases Mitigations BSA/AML Monitoring across all channels Duplicate Item detection Fraud detection system Cross-Channel Risk & Account-takeover situation where an File is sent. Credit entries are sent to increase an account balance, then funds are wired out of the account. Mitigations BSA/AML Monitoring across all channels Exposure Limits, layered security verification of collected funds and large deposits 2015, EPCOR. All Rights Reserved. 7
8 Name That Risk Instructions Review the scenario Pick a spokesperson and scribe Answer the questions 2015, EPCOR. All Rights Reserved. 8
Identifying Key Risk Indicator
PUERTO RICO PAYMENTS SYMPOSIUM Identifying Key Risk Indicator EPOCPR Services Agenda for Today Background History Regulators & Risk Management Let s have fun Regulators & Risk Assessment ACH Risks Categories
More informationQuestions You Should be Asking NOW to Protect Your Business!
Questions You Should be Asking NOW to Protect Your Business! Angi Farren, AAP Senior Director Jen Wasmund, AAP Compliance Services Specialist 31 st Annual Conference SHAPE YOUR FUTURE April 23, 2013 Regional
More informationA Cautionary Tale Plus Cross-Channel Risk
Dan Tobin A Cautionary Tale Plus Cross-Channel Risk IT Examiner Supervision, Regulation & Credit Dan.tobin@bos.frb.org Agenda A Cautionary Tale Shames-Yeakel v. Citizens Financial Bank Cross-Channel Risk
More informationACH Internal Control Questionnaire
ACH Internal Control Questionnaire AUTOMATED CLEARING HOUSE (ACH) Assessment of the Adequacy of Internal Controls Completed by: Date Completed: Quality of Management and Support for ACH Processing Activity
More informationThis presentation was originally given by:
This presentation was originally given by: Michael Alfonsi, Managing Director Analytic Results For questions about this material contact Michael at: 610-329-7980 ACH: Basics Michael Alfonsi AnalyticResults
More informationKawartha Credit Union - Kawartha Direct AGREEMENT
Kawartha Credit Union - Kawartha Direct AGREEMENT In exchange for the Credit Union permitting the Member to use the Kawartha Direct Services, the Member agrees as follows: 1. DEFINITIONS Access Terminal
More informationVisa Debit processing. For ecommerce and telephone order merchants
Visa Debit processing For ecommerce and telephone order merchants Table of contents About this guide 3 General procedures 3 Authorization best practices 3 Status check transactions 4 Authorization reversals
More informationTHIRD PARTY PAYMENT PROVIDERS
THIRD PARTY PAYMENT PROVIDERS BY DARLIA FOGARTY, DIRECTOR OF COMPLIANCE & COO KNOWLEDGE. CLARITY. RELIABILITY. www.compliancealliance.com (888) 353-3933 THIRD PARTY PAYMENT PROCESSORS Third Party Payment
More informationContact information for account assistance is listed on the last page of this brochure. Please read the following terms and conditions carefully.
2014 ELECTRONIC FUND TRANSFER DISCLOSURES AND AGREEMENT The following disclosures and agreement ( Disclosures and Agreement ) describe your rights, protection, and liabilities as a consumer, pursuant to
More informationEAST WEST BANK MOBILE REMOTE DEPOSIT SERVICES AGREEMENT
EAST WEST BANK MOBILE REMOTE DEPOSIT SERVICES AGREEMENT Mobile Deposit is designed to allow you to make deposits of checks ( original checks ) to your designated eligible accounts from your home or other
More informationRisk Management of Remote Deposit Capture
Federal Financial Institutions Examination Council 3501 FAIRFAX DRIVE ROOM 3086 ARLINGTON, VA 22226-3550 (703) 516-5487 http://www.ffiec.gov Background and Purpose Risk Management of Remote Deposit Capture
More informationTreasury Management Services Product Terms and Conditions
Treasury Management Services Product Thank you for choosing M&T Bank for your treasury management service needs. We appreciate the opportunity to serve you. If you have any questions about this Product
More information2014 Payments Fraud Survey
2014 Payments Fraud Survey Summary of Consolidated Results Payments Information & Outreach Office Federal Reserve Bank of Minneapolis December 2014 Topics Survey Methodology & Respondent Profile Fraud
More informationATM Card. Select Checking. Basic Checking
MEMBER AGREEMENT Your acceptance and/or use of the VISA Debit Card or the ATM Card or allowing anyone to use the Card constitutes your agreement to all of the following terms and you will be responsible
More informationMy REWARDs CHECKING ACCOUNT CHANGE REQUEST
My REWARDs CHECKING ACCOUNT CHANGE REQUEST Date: Customer Name: Customer Account Number: Current Account Type: Branch I have a debit card Yes No If NO, card ordered: Debit Card tied to Account Number:
More informationOperational Means to Fraud Mitigation and BSA/AML Compliance
Operational Means to Fraud Mitigation and BSA/AML Compliance Brad Johnson Director of Business Development Centrix Solutions Helen May SVP, Director of Operations Bank of Tampa www.centrixsolutions.com
More informationPersonal Interest Bearing Checking Account-Related Disclosures
130 S. Main Street Fond du Lac, WI 54935 920.921.7700 Personal Interest Bearing Checking Account-Related Disclosures VARIABLE RATE INFORMATION Please see our online rate information for current interest
More informationPayroll Card Position Paper July 2004
Payroll Card Position Paper July 2004 This document is and remains the proprietary information of CU Cooperative Systems, Inc. It is intended for the use of the recipient s organization only and any distribution
More informationOnline Bill Pay Application
Online Bill Pay Application Applicant Name: Social Security#: Date of Birth: Co-Applicant Name: (If both Account Holders want access to Online Bill Pay) Social Security# Date of Birth: Bill Pay Account
More informationMobile Deposit Policy
Mobile Deposit Policy Mobile Deposit, a deposit transaction delivery system, allows the Credit Union to receive digital information from deposit documents captured at remote locations (i.e., the Credit
More informationFFIEC Supplemental Guidance to Authentication in an Internet Banking Environment. Robert Farmer Senior Technology Compliance Manager
FFIEC Supplemental Guidance to Authentication in an Robert Farmer Senior Technology Compliance Manager 1 888 250 4400 Effective Date The FFIEC Supplement to Authentication in an was issued on June 28,
More informationCARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES
Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Federal Reserve Board CARDMEMBER
More informationO OCC BULLETIN OCC 2006-39. Automated Clearing House Activities. Risk Management Guidance
O OCC BULLETIN Comptroller of the Currency Administrator of National Banks Subject: Automated Clearing House Activities Description: Risk Management Guidance TO: Chief Executive Officers, Chief Risk Officers,
More informationPersonal Online Banking / Bill Pay Terms And Conditions
Personal Online Banking / Bill Pay Terms And Conditions The Online Banking Agreement and Disclosures (Agreement) apply to Your use of the Online Banking Service provided by Spring Bank, which permits You
More informationBank of Denver Mobile Deposit User Agreement ( Agreement ):
This Agreement contains the terms and conditions for the use of BANK OF DENVER Mobile Deposit, and/or other remote deposit capture services that BANK OF DENVER or its affiliates ( BANK OF DENVER, us, or
More informationDEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE
DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE The purpose of this Disclosure Statement is to make you aware of your rights and responsibilities when using our Debit Card and Electronic Funds Transfer
More informationFederal Financial Institutions Examination Council FFIEC. Retail Payment Systems RPS. February 2010 IT EXAMINATION HANDBOOK
Federal Financial Institutions Examination Council FFIEC Retail Payment Systems February 2010 RPS IT EXAMINATION HANDBOOK RETAIL PAYMENT SYSTEMS RISK MANAGEMENT Action Summary Financial institutions engaged
More informationModule: Finance Section: Cash Management EM-450
Module: Finance Section: Cash Management EM-450 Date Published: 03/2000 Introduction This section introduces several terms and concepts that should facilitate the understanding of the dynamics and importance
More informationone admin. one tool. Providing instant access to hundreds of industry leading verification tools.
2 7 12 14 11 15 8 16 10 41 40 42 19 49 45 44 50 48 47 51 46 52 53 55 54 56 57 67 68 1 5 39 43 58 71 81 82 69 70 88 25 29 23 26 22 3 21 28 4 6 32 30 38 33 31 37 34 35 36 63 59 64 60 62 61 65 72 73 66 74
More informationMango Savings Account Customer Agreement
Mango Savings Account Customer Agreement Agreement Definitions: This document is an addendum ( Savings Addendum ) to your Mango Cardholder Agreement ( Card Program Agreement ) and contains additional terms
More informationNBT Bank Personal and Business Mobile Banking Terms and Conditions
This NBT Bank Mobile Banking terms and conditions will apply if you use a mobile device to access our Mobile Banking service. When you use NBT Bank s Mobile Banking service, you will remain subject to
More informationFDIC Updates Guidance on Payment Processor Relationships
February 2012 FDIC Updates Guidance on Payment Processor Relationships BY KEVIN L. PETRASIC In its recently issued Financial Institution Letter, FIL-3-2012, the Federal Deposit Insurance Corporation (
More informationQUICK GUIDE Automated Clearing House (ACH) Rules for ACH Originators
QUICK GUIDE To ensure compliance with current regulations, all ACH Originators must obtain a current copy of the National Automated Clearing House Association (NACHA) Operating Rules (Rules) and Guidelines
More informationNational Check Payments Certification. Fraud, Risk, and Risk Mitigation Part II. Copyright 2015 by the Electronic Check Clearing House Organization
NCP 2016 Exam Cycle Core Training Series Session 11 National Check Payments Certification Fraud, Risk, and Risk Mitigation Part II Copyright 2015 by the Electronic Check Clearing House Organization NOTICES
More informationThird-Party Payment Processing and Financial Crimes March 14, 2012
Third-Party Payment Processing and Financial Crimes March 14, 2012 Michael Benardo Chief, Cyber Fraud & Financial Crimes Section Division of Risk Management Supervision Federal Deposit Insurance Corporation
More information10.24% to 18.0% 11.24% to 18.0%
Credit Tier 3 Credit Tier 2 Credit Tier 1 Interest Rates and Interest Charges Annual Percentage Rate (APR) for purchases and balance transfers 11.24% to 18.0% 12.24% to 18.0% 10.24% to 18.0% 11.24% to
More informationInformation Technology
Information Technology Information Technology Session Structure Board of director actions Significant and emerging IT risks Practical questions Resources Compensating Controls at the Directorate Level
More informationTerms and Conditions Mobile Check Deposit
For Mobile Deposits, please: 1. Sign (endorse) your check 2. Under your signature write "For e-deposit only at Market USA" Ex. Joe Member for e-deposit only at Market USA *Please destroy deposited checks
More informationPeter Hill, Oracle Reveleus & Mantas
Using Risk and Compliance as a Strategic Tool for Growth - Looking for Opportunities in turbulent times to Optimize and Grow your Business Peter Hill, Oracle Reveleus & Mantas Safe
More informationThe customer should approach the bank within a maximum period of six months from the date of erroneous debit.
COMPENSATION POLICY We offer high levels of service to our customers. In the event, for some reason beyond our control or inadvertently, we are unable to meet the service levels committed by us in our
More informationMobile Banking Services Addendum To the Agreement and Disclosure for 24/7 Online Banking A Service of Pendleton Community Bank, Franklin, WV
Mobile Banking Services Addendum To the Agreement and Disclosure for 24/7 Online Banking A Service of Pendleton Community Bank, Franklin, WV This is an addendum to the Agreement and Disclosure for 24/7
More informationIndustry Update & New Rules. Stephanie Schrickel, AAP Director, emarketing. 2014 EastPay. All Rights Reserved 1 EASTPAY
Industry Update & New Rules Stephanie Schrickel, AAP Director, emarketing EASTPAY Not-for-profit Regional Payments Association Educational Programs Member benefits Voice & Representation in National Rule
More informationMy REWARDs CHECKING ACCOUNT CHANGE REQUEST
My REWARDs CHECKING ACCOUNT CHANGE REQUEST Date: Customer Name: Customer Account Number: Current Account Type: Branch I have a debit card Yes No If NO, card ordered: Debit Card tied to Account Number:
More informationTop Ten Fraud Risks That Impact Your Financial Institution. Presented by Ann Davidson - VP Risk Consulting Allied Solutions LLC.
Top Ten Fraud Risks That Impact Your Financial Institution Presented by Ann Davidson - VP Risk Consulting Allied Solutions LLC Agenda Education on understanding the fraud risk Take away.. Education to
More informationCONSUMER ELECTRONIC FUNDS TRANSFER AND DEBIT CARD AGREEMENT
We, us and our refer to. CONSUMER ELECTRONIC FUNDS TRANSFER AND DEBIT CARD AGREEMENT You and your apply to any individual who has an Account with us and is authorized to initiate the applicable EFTs. Account
More informationBill Payment and Electronic Funds Transfer Service Agreement
ab Bill Payment and Electronic Funds Transfer Service Agreement For more information Call ResourceLine, our interactive voice response telephone unit, 24 hours a day, 7 days a week at 800-762-1000, Option
More information"You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account.
FIRST BANK KANSAS Information about Electronic Fund Transfers The Electronic Fund Transfer Act and Regulation E require banks to provide certain information to customers regarding electronic fund transfer
More informationThird Party Payment Processors Job Aid
Third Party Payment Processors Job Aid This job aid is to be used by state institution examiners as a means to understand, identify, and assess the risks associated with institutions relationships with
More informationGUIDANCE ON PAYMENT PROCESSOR RELATIONSHIPS (Revised July 2014)
Federal Deposit Insurance Corporation 550 17th Street NW, Washington, D.C. 20429-9990 Financial Institution Letter FIL-127-2008 November 7, 2008 GUIDANCE ON PAYMENT PROCESSOR RELATIONSHIPS (Revised July
More informationTreasury Management Services Agreement. Terms & Conditions. Posted January 5, 2015. Effective January 5, 2015
Treasury Management Services Agreement Terms & Conditions Posted January 5, 2015 Effective January 5, 2015 For Customers who agreed to Treasury Management Services before these updated Terms & Conditions
More informationFFIEC CONSUMER GUIDANCE
FFIEC CONSUMER GUIDANCE Important Facts About Your Account Authentication Online Banking & Multi-factor authentication and layered security are helping assure safe Internet transactions for banks and their
More informationUnderstanding & Managing Third Party Relationships in the ACH Network. PAYMENTS 2008 May 18, 2008 Las Vegas, NV
Understanding & Managing Third Party Relationships in the ACH Network PAYMENTS 2008 May 18, 2008 Las Vegas, NV 1 Your Presenters Stuart Williams Director, CheckFree Payment Services CheckFree now part
More informationFraud Protection, You and Your Bank
Fraud Protection, You and Your Bank Maximize your chances to minimize your losses Presentation for Missouri GFOA April 2011 By: Terry Endres, VP, Government Treasury Solutions Phone: 314-466-6774 Terry.m.endres@baml.com
More informationMOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM
MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM This Addendum ( Addendum ) to the Citizens State Bank of Paola Online Banking Agreement between you and Citizens State Bank of
More informationRemittance Transfer Rules Under Regulation E
Remittance Transfer Rules Under Regulation E This white paper is part of the Risk Management White Paper Series, which CUNA Mutual Group provides exclusively to its Bond policyholders. TABLE OF CONTENTS
More informationSAFE Federal Credit Union Consumer Remote Deposit Capture Agreement
SAFE Federal Credit Union Consumer Remote Deposit Capture Agreement Use of Service These services allow you to deposit checks into eligible SAFE Federal Credit Union accounts from a remote location by
More informationInternal Controls and Political Committees
Internal Controls and Political Committees Under the Federal Election Campaign Act (FECA) and the Commission s regulations all political committees are required to file accurate and complete disclosure
More informationBUSINESS ONLINE BANKING AGREEMENT
BUSINESS ONLINE BANKING AGREEMENT This Business Online Banking Agreement ("Agreement") establishes the terms and conditions for Business Online Banking Services ( Service(s) ) provided by Mechanics Bank
More informationMOBILE DEPOSIT USER AGREEMENT ( AGREEMENT )
MOBILE DEPOSIT USER AGREEMENT ( AGREEMENT ) This Mobile Remote Deposit User Agreement ( Agreement ) contains the terms and conditions for the use of Mobile Remote Deposit that Capital Credit Union ( Credit
More informationPLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
AUG2014 PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT Purchase Annual Percentage Rate (APR) Balance Transfer
More informationWest African Institute for Financial and Economic Management (WAIFEM) Inherent Risk in Global Remittances. Presented by Mike Ogbalu III
West African Institute for Financial and Economic Management (WAIFEM) Inherent Risk in Global Remittances Presented by Mike Ogbalu III Fraud and losses due to fraud is an acceptable cost of doing business?
More informationMobile Banking Disclosure Statement
Mobile Banking Disclosure Statement This disclosure provides information about Centier Mobile Banking services. By using this service you agree to the terms and conditions stated below and any other terms
More informationAll references to "Internet Banking" reflect the CU Online services offered by FORUM Credit Union.
Electronic Funds Transfer Agreement This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services
More informationFUNDS AVAILABILITY POLICY. This Disclosure describes your ability to withdraw funds at Westerra Credit Union.
FUNDS AVAILABILITY POLICY This Disclosure describes your ability to withdraw funds at Westerra Credit Union. 1. General Policy. Our policy is to make funds from your cash and check deposits available to
More informationBusiness Mobile Deposit Capture Terms & Conditions
Business Mobile Deposit Capture Terms & Conditions DESCRIPTION The mobile deposit capture services ("Mobile Deposit" or "Services") are designed to allow you to make deposits to your checking, money market
More informationCOLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts
COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts This Agreement is the contract that covers your and our rights and responsibilities concerning Electronic Fund
More informationCapital Market Services UK Limited Pillar 3 Disclosure
February 2013 Capital Market Services UK Limited Pillar 3 Disclosure Contents 1.0 Overview 2.0 Frequency and location of disclosure 3.0 Verification 4.0 Scope of application 5.1 Risk Management objectives
More information{Regulatory Compliance Update.} December 10, 2014
{Regulatory Compliance Update.} December 10, 2014 Presenter Elizabeth Snyder, CRCM, Regulatory Compliance Manager Elizabeth leads Plante Moran s regulatory compliance team. As a compliance specialist with
More informationConsumer Accounts. Membership and Account Agreement Funds Availability Policy Disclosure Electronic Fund Transfers Agreement & Disclosure.
Consumer Accounts Membership and Account Agreement Funds Availability Policy Disclosure Electronic Fund Transfers Agreement & Disclosure ATM Card Visa Debit Card Info24 Online Banking Mobile Banking Bill
More informationSPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT
SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT Variable Rate information. This account is subject to a Variable Rate. The interest rate and annual percentage yield (APY) may change at any
More informationDawson Co-op Credit Union Online Banking Access Agreement April 2014
Dawson Co-op Credit Union Online Banking Access Agreement April 2014 This Online Access Agreement ("Access Agreement") for accessing your Dawson Co-op Credit Union (DCCU) accounts through DCCU Online Banking
More informationBusiness Merchant Capture Agreement. A. General Terms and Conditions
Business Merchant Capture Agreement A. General Terms and Conditions Merchant Capture (MC), the Service, allows you to deposit checks to your LGE Business Account from remote locations by electronically
More informationOnline Banking - Terms and Conditions
Online Banking - Terms and Conditions (updated 12/2015) Welcome to electronic banking at Capstone Bank. This Agreement and Disclosure Statement for Online Banking Services (the "Agreement") describes the
More informationFUNDS AVAILABILITY POLICY DISCLOSURE
FUNDS AVAILABILITY POLICY DISCLOSURE YOUR ABILITY TO WITHDRAW FUNDS AT BLUE RIDGE BANK AND TRUST CO. Our policy is to make funds from your cash and check deposits available to you on the same business
More informationGuide to Visa Inc. Agents
Guide to Visa Inc. Agents AGENT VisaNet Processor Third Party Agent Client Acquiring VNP PF HRIPSP DCC ESO Client VNP acting as Service Provider ISO DCV Third Party VNP ISO-Merchant ICPIA ISO-Cardholder
More informationCompliance with Laws. Limits. Eligible Items.
ALLIANCE CREDIT UNION MOBILE DEPOSIT SERVICE AGREEMENT This Mobile Deposit Service Agreement ( Agreement ) contains the terms and conditions for the mobile deposit capture services that Alliance Credit
More informationProcedure for Managing a Privacy Breach
Procedure for Managing a Privacy Breach (From the Privacy Policy and Procedures available at: http://www.mun.ca/policy/site/view/index.php?privacy ) A privacy breach occurs when there is unauthorized access
More informationTIMEKEEPING AND PAYROLL BEST PRACTICES
TIMEKEEPING AND PAYROLL BEST PRACTICES FROM A LEADER IN WORKFORCE MANAGEMENT SOLUTIONS www.mitcsoftware.com INTRODUCTION This document is designed to provide guidance to senior executives who are considering
More informationCredit/Debit Card Processing Requirements and Best Practices. Adele Honeyman Oregon State Treasury Training Specialist
Credit/Debit Card Processing Requirements and Best Practices Adele Honeyman Oregon State Treasury Training Specialist 1 What? What do I need to know about excepting credit cards? Who s involved, how it
More informationHere are two informational brochures that disclose ways that we protect your accounts and tips you can use to be safer online.
Here are two informational brochures that disclose ways that we protect your accounts and tips you can use to be safer online. FFIEC BUSINESS ACCOUNT GUIDANCE New financial standards will assist credit
More informationInsights into Potential RDC Litigation Legal Issues and Reasonable Commercial Standards
Insights into Potential RDC Litigation Legal Issues and Reasonable Commercial Standards Paul Carrubba, Adams and Reese Mary Hockridge, Mobile Strategy Partners October 27, 2015 Presentation Content THIS
More information(1) Commercial Crime Insurance or Employee Fidelity Bond
INSURANCE (A) GENERAL CONSIDERATIONS This document presents the minimum insurance requirements as set forth by the United States Trustee Program (USTP). A standing trustee must purchase property insurance
More informationHow To Control Credit Card And Debit Card Payments In Wisconsin
BACKGROUND State of Wisconsin agencies accepted more than 6 million credit/debit card payments annually through the following payment channels: Point of Sale (State agency location) Point of Sale (Retail-agent
More informationHome Trust & Savings Bank www.hometrustbank.com
Home Trust & Savings Bank www.hometrustbank.com Terms & Conditions Please read the following Electronic Banking Agreement before you sign the enrollment form. GENERAL TERMS This agreement (the Agreement
More informationSound Business Practices for Businesses to Mitigate Corporate Account Takeover
Sound Business Practices for Businesses to Mitigate Corporate Account Takeover This white paper provides sound business practices for companies to implement to safeguard against Corporate Account Takeover.
More informationKnox College PNC BANK PNC PURCHASING CARD. Policy and Procedures Manual
Knox College PNC BANK PNC PURCHASING CARD Policy and Procedures Manual March 1, 2014 Table of Contents Introduction General Guidelines..Page 4-5 - Card Issuance - Account Maintenance - Card Usage - Preferred
More informationPLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING:
Citizens Bank Mobile Deposit Agreement PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING: The Mobile Deposit Agreement (the Agreement ) is entered into by Citizens Bank (the Financial
More informationCardholder Frequently Asked Questions
Skip to Content Cardholder Frequently Asked Questions Close this browser window to return to session. TOTALPAY Card by ADP FAQs CARD BASICS 1. Is my TOTALPAY Card ready to use when I receive it? 2. When
More informationPost Payment System (PPS)
Post Payment System (PPS) Payment Integrity s Next Generation Lourde Romain-Prue, Lisa Andre, Wesley Johnson August 12, 2014 Post Payment System (PPS) Payment Integrity s Next Generation Lourde Romain-Prue,
More informationRDC Risk Management & FFIEC Compliance
RDC Risk Management Presented By: John Leekley, Founder & CEO Ed McLaughlin, Executive Director RemoteDepositCapture.com & Hope Schall, Attorney, Vedder Price P.C. This webinar is sponsored by: February
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET KINDLY READ THIS PRODUCT DISCLOSURE SHEET BEFORE YOU DECIDE TO TAKE UP ANY TUNE MONEY SDN BHD ( TUNE MONEY ) PREPAID CARD. PLEASE MAKE SURE YOU ALSO READ THE TERMS AND CONDITIONS
More informationTOP TRUMPS Comparisons of how to pay for goods and services online
Cash Cash is legal tender in the form of bank notes and coins Small value purchases e.g. cafes, shops Pocket money Repaying friends Cash is physically transferred from one person to the next, usually face-to-face
More informationA-MP. Comptroller of the Currency Administrator of National Banks. Merchant Processing. Comptroller s Handbook. December 2001.
A-MP Comptroller of the Currency Administrator of National Banks Merchant Processing December 2001 A Assets Merchant Processing Table of Contents Introduction... 1 Types of Merchant Processors... 2 Acquiring
More informationFairport Savings Bank Online Banking Access Agreement
Fairport Savings Bank Online Banking Access Agreement I. Introduction II. Accessing Your Fairport Savings Bank Accounts through Online Banking A. Requirements B. Electronic Mail (E-mail) C. Fees D. New
More informationCHECKING ACCOUNT TYPES
CHECKING ACCOUNT DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. CHECKING ACCOUNT TYPES ValueAccess Checking with BaZing Rate Information:
More informationCertified Red Flag Specialist (CRFS) Program Overview & Curriculum
CRFS Overview The Certified Red Flag Specialist (CRFS) program is designed and administered by Identity Management Institute (IMI) to train employees, consultants and auditors of companies affected by
More informationLOGIX DEBIT AND ATM CARD
LOGIX DEBIT AND ATM CARD Agreement and Disclosure This Logix Debit and ATM Card Agreement and Disclosure governs both the Logix Federal Credit Union Debit Card and the Logix ATM Card and contains important
More informationREGULATIONS FOR THE SECURITY OF INTERNET BANKING
REGULATIONS FOR THE SECURITY OF INTERNET BANKING PAYMENT SYSTEMS DEPARTMENT STATE BANK OF PAKISTAN Table of Contents PREFACE... 3 DEFINITIONS... 4 1. SCOPE OF THE REGULATIONS... 6 2. INTERNET BANKING SECURITY
More informationProduct Innovation. Facilitate issue of capital market products
Trends in Banking Product Innovation Investment products Gold / silver coins Marketing of insurance product Credit cards and debit cards Innovative services Automatic Teller Machines Facilitate issue of
More informationCENTENARY COLLEGE POLICIES UNDER THE FAIR & ACCURATE CREDIT TRANSACTION ACT S RED FLAG RULES
(FACTA) April 30, 2009 Approved by: Audit Committee of the Board of Trustees CENTENARY COLLEGE POLICIES UNDER THE A RESOLUTION ADOPTING AN IDENTITY THEFT POLICE Centenary College ( College ) developed
More information