payments compliance in canada forum (2016)

February 23 – 24, 2016 • InterContinental Toronto Centre • Toronto

REGISTER NOW • 1-877-927-7936 • www.CanadianInstitute.com/Payments

@CI_FICompliance #CIPayments

Co-Chairs:Stephen Redican Partner, Financial Services Borden Ladner Gervais LLP

Chris Bradley Associate General Counsel Legal, Corporate and Compliance Group BMO Financial Group

Benefit from Real-World Experience from Industry Leaders:Berkeley Payment SolutionsBMO Financial GroupCIBC World MarketsCanadian Payments AssociationFinancial Consumer Agency of CanadaMasterCard CanadaOffice of the Superintendent of Financial InstitutionsRoyal Bank of CanadaVisa Canada

A distinguished faculty of legal and banking professionals provide you with insights into:

• Harnessing the challenges and opportunities of mobile payments

• How to safeguard your organization from data breaches

• Solutions for authenticating and verifying online payment processes

• Understanding the impact of AML regulatory changes

• Incorporating emerging payment solutions into your compliance program

• Practical strategies to combat fraud in payments systems

…and more!

PAYMENTS COMPLIANCE IN CANADA

The Canadian Institute’s 11th Annual Forum on

Develop your skills by attending the Interactive Master Class: Building a Successful AML Compliance Program for Your Payment Systems

Sponsored by: Supported by:

EARN

CPDHOURS

Join our email list to receive exclusive discounts and program updates at canadianinstitute.com/elist

Rapid transformation of the payments ecosystem is creating swift transformational change to the regulatory and legal framework in Canada’s payments system. Now is the time to look ahead and proactively plan your initiatives to improve your organization’s risk and compliance strategies and ensure the continuing safety and security of your payments system.

The Canadian Institute’s Annual Forum on Payments Compliance in Canada provides concrete, practical strategies to meet the immediate challenges of payment card stakeholders and new entrants alike. Our outstanding faculty will provide cutting-edge information on the rules impacting your organization.

By attending, you will learn how to lower risks, increase compliance, reduce costs in meeting these operational objectives and ease the burden on your legal, compliance, and regulatory teams. Walk away with real-world insights to help you:

• Improve the security and privacy of payment card data• Build a successful compliance program• Understand the impact of AML regulatory changes• Ensure your organization is prepared for a potential data breach• Mitigate risks in mobile payments – everything you need to know• Gain practical solutions and guidelines to combat fraud in

payments systems• Overcome compliance challenges and lower risks associated with

emerging payment solutions

Spaces at this must-attend annual event fill up quickly! Register now and save your seat by calling 1-877-927-7963 or by visiting our website at www.CanadianInstitute.com/Payments.

We look forward to welcoming you in February!

S P E A K E R FA C U LT YPeter A. AzizCounsel, Payments and Cards Practice Torys LLP

Ana Badour, CAMS Partner, Financial Services GroupMcCarthy Tétrault LLP

Chris Bradley Associate General Counsel Legal, Corporate and Compliance GroupBMO Financial Group

Anne ButlerVice President, General Counsel & Corporate SecretaryCanadian Payments Association

Nicolas W.R. Burbidge Senior Director, AML and Compliance Division Office of the Superintendent of Financial Institutions

Christie Christelis President & CEO Technology Strategies International Global

Jason Davies Head of Emerging Payments MasterCard Canada

Jimmy Dinh Executive Director, Alternate Solutions Group CIBC World Markets

Stuart Hoegner Managing Director Gaming Counsel PC

Rebecca Ip, CPA, CA, CFF Vice President KPMG LLP

Gord Jamieson Head of Visa Canada Risk Services and North America Acquirer Risk Services Visa Canada

Bhavna Kaushal Vice President, Partnerships and Payments Strategy Berkeley Payment Solutions

Manish Khera Head of Application Security, Data Protection and Security Royal Bank of Canada

Angelina Mason Senior CounselVISA Canada

Ross McGowanPartner, National Chair of Fraud Law GroupBorden Ladner Gervais LLP

Lawry Mitchell Senior Counsel Royal Bank of Canada

Philippe Pellerin Compliance Manager, Supervision and Enforcement Financial Consumer Agency of Canada

Stephen Redican Partner, Financial Services Borden Ladner Gervais LLP

Jeffrey RoodeLawyerJeffrey Roode Professional Corporation

Jacqueline Shinfield Partner, Financial Services Blake, Cassels & Graydon LLP

Simon Tang Partner, National Leader, Vulnerability Management and PCI Services Deloitte Canada

W H O Y O U W I L L M E E T• Financial Institutions/Credit Unions and Payment Card Issuing

Organizations: - Legal Counsel; Compliance Managers;

Risk Managers; Privacy Officers- Supervisors Credit Card Services;

Pre-paid Products Managers- Brand, Marketing, Relationship and Business Development Managers- Chief Anti-Money Laundering Officers; Fraud and Loss Prevention

Managers, Control Analysts; Operations Managers

• Private Practice Lawyers: - Banking/Financial Services; Corporate

and Commercial; Privacy; E-Commerce Law; Consumer Protection

• Government/Regulatory Bodies: - Legal Counsel; Directors/Managers of

Compliance/Enforcement; Policy Advisors

• Other Payment Industry Stakeholders: - Payment Processors; Service Providers; Consultants; Mobile Payments

Technology Providers; Acquirers; Card Manufacturers; E-Commerce Publications; Software providers

Be part of Canada’s Premier Forum on Payments Compliance and Innovation

CIThe Canadian InstituteBusiness Information in a Global Context

This year marks 30 years since the inception of The Canadian Institute. We’ve spent:

It is time for a brand, logo and language in keeping with the dynamic strides we have made as a company. It is time for a brand that will take us forward for the next 30 years.

The C5 Group, comprising The Canadian Institute, American Conference Institute and Europe’s C5 will unite under one central brand image, appropriately a globe. See how bringing together the power of people and the power of information can accelerate your growth and success. Our new brand look and language will be fully launched this winter. Stay tuned for our exciting launch.

30 years expanding across the

globe

30 years building a network of

industry leaders

30 years hosting more than 6,000

conferences

7:45 Registration Opens and Refreshments are Served

8:45 Opening Remarks from the Co-Chairs

Stephen Redican Partner, Financial ServicesBorden Ladner Gervais LLP

Chris BradleyAssociate General CounselLegal, Corporate and Compliance GroupBMO Financial Group

9:00 Changing Landscape of the Canadian Payments Industry: Enhancements to the Code of Conduct for the Credit and Debit Card Industry in Canada and Regulation of Emerging Payments Service ProvidersModeratorStephen RedicanPartner, Financial ServicesBorden Ladner Gervais LLP

PanelIssuer: Lawry MitchellSenior CounselRoyal Bank of Canada

Card Brand: Angelina MasonSenior CounselVISA Canada

Other Perspectives:Jeffrey RoodeLawyerJeffrey Roode Professional CorporationIn this session, you will derive a necessary understanding of the basic standards under the Code and its recent enhancements, and the practical and legal challenges faced when incorporating the Code.

• Application of the Code to mobile payments• Interchange rate adjustments • Revised dispute handling process• New disclosure and branding requirements for payment

networks and card issuers• Enhanced disclosures and requirements impacting the

merchant-acquirer relationship• Effective strategies to be compliant with the Code• How should new players be regulated?

10:30 Networking Refreshment Break

10:45 FCAC Payments Update

Philippe PellerinCompliance Manager, Supervision and EnforcementFinancial Consumer Agency of Canada• FCAC’s initiatives on the amended Code of Conduct• Integration of mobile payments into the amended Code

of Conduct• New industry standards on the complaint-handling process• Top complaints for 2015

11:30 The Evolving Regulatory Framework of the Payments System in Canada

Anne ButlerVice President, General Counsel & Corporate SecretaryCanadian Payments Association

• The Canadian Payments Association’s (CPA) plans to modernize the core payments infrastructure to meet the future needs of the payments system in Canada

• Rules related to the CPA’s modernization initiative• Updates to the CPA’s governance model

12:15 Networking Luncheon for Speakers and Delegates

1:30 The Impact of AML/ATF Regulatory Changes on Payments

Nicolas W. R. Burbidge Senior Director, AML and Compliance DivisionOffice of the Superintendent of Financial Institutions• Amended regulations under the Proceeds of Crime (Money

Laundering) and Terrorist Financing Act (PCMLTFA)• Managing risks associated with cards issued by federally

regulated financial institutions


2:30 Manage the Risk of New Payment Solutions: Refreshing and Updating Your Compliance Program

Jacqueline ShinfieldPartner, Financial ServicesBlake, Cassels & Graydon LLP

Simon TangPartner, National Leader, Vulnerability Management and PCI ServicesDeloitte Canada• Mitigating risk in various payment solutions including prepaid

cards, near field communications, online payments, mobile and digital wallets

• Ensuring compliance with PCI-DSS standards• Authentication, data security, and compliance• Addressing challenges associated with cross-border payments • Future legal requirements for using new technologies• Integrating emerging technology and new products into your

business model• Improving customer experience while preventing fraud

and maintaining security

3:30 Virtual Currency and Using Blockchain Technology in Finance

Stuart Hoegner Managing DirectorGaming Counsel PC• Regulations around the future of digital currencies • Changes in the US, including Faiella v. Shrem which extends

securities laws and regulations into virtual currencies• Financial Action Task Force (FATF) guidance for a risk-based

approach to virtual currencies• Why thirteen banks, including RBC and TD, are joining a

consortium led by a financial tech firm that is working on a framework for using blockchain technology in markets

4:15 Closing Remarks from the Co-Chairs

Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/Payments @CI_FICompliance #CIPayments

DAY ONE TUESDAY, FEBRUARY 23, 2016

Hosted by:

4:30 – 5:30 Networking Cocktail Reception

8:30 Refreshments are Served

9:00 Opening Remarks from the Co-Chairs

9:15 Mobile Payments and Digital Wallets: Is Canada Ready to Be Cardless?

Bhavna Kaushal Vice President, Partnerships and Payments StrategyBerkeley Payment Solutions

Christie Christelis President & CEOTechnology Strategies International Global• Update on liability and regulations• Mitigating risk in mobile payments• Concerns over the use of personal information by emerging

providers such as Apple Pay, Samsung Pay, and Android Pay • Loyalty program integration in mobile wallets• Adoption of mobile payments in other parts of the world:

successes and failures• What will it take for digital wallets succeed in the Canadian

market?


10:30 Data Breach Liability and Cyber Security Litigation

Ross McGowan Partner, National Chair of Fraud Law GroupBorden Ladner Gervais LLP• Where does liability for data breaches fall?• How to protect your organization and comply with PCI DSS• Assigning liability in your contracts when outsourcing card

processing to a third party• Payment card holder data and cyber liability insurance• Dispute resolution process for merchants and acquirers

11:30 Marcotte and Beyond

Peter A. AzizCounsel, Payments and Cards PracticeTorys LLP• Update on reactions to the Marcotte decision• Can provincial legislation apply to banks?• Cross-border issues and resulting business implications

12:15 Networking Luncheon for Speakers and Delegates

1:15 Combatting Fraud in Payment Systems

Gord JamiesonHead of Visa Canada Risk Services and North America Acquirer Risk ServicesVisa Canada• Strategies for developing effective policies and procedures to

mitigate the risk of fraud• Incorporating effective due diligence into your compliance

programs• Verifying client identity and knowing your customer (KYC)• Authentication issues in internet and online payments• Using social networks as a means of identification for

non-face-to-face transactions

2:15 Security and Privacy: Best Practices for Risk Management

Manish Khera Head of Application Security, Data Protection and Security Royal Bank of Canada• Maintaining PCI compliance security standards• What data is being captured and what happens if that

information is intercepted?• Payment card data storage and the use of the cloud• Adopting tokenization• Using encryption tools• New data breach notification provisions in Personal

Information Protection and Electronic Documents Act (“PIPEDA”), with the enactment of the Digital Privacy Act


3:30 Emerging Payment Systems and Technological Innovation

Jimmy Dinh Executive Director, Alternate Solutions GroupCIBC World Markets

Jason Davies Head of Emerging Payments MasterCard Canada• Growth of financial technology (FinTech)• Will banks adopt biometrics as a secure authentication method?• Privacy in new FinTech models: best practices for handling

cardholder data• Innovation in Europe, Asia, and the US• Need for stakeholder collaboration in the industry

4:30 Closing Remarks from the Co-Chairs

Conference Concludes

Borden Ladner Gervais LLP (BLG) is a leading, national, full-service Canadian law firm focusing on business law, commercial litigation and arbitration, and intellectual property solutions for our clients. BLG is one of the country’s largest law firms with more than 725 lawyers,

intellectual property agents and other professionals in five cities across Canada. We assist clients with their legal needs, from major litigation to financing to trademark and patent registration. www.blg.com

Sponsored By:

Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/Payments @CI_FICompliance #CIPayments

SPONSORSHIP & EXHIBITION OPPORTUNITIES

Daniel Gellman Director of Business Development

telephone: 416-927-0718 ext. 7389toll-free: 1-877-927-0718 ext. 7389email: [email protected]

DAY TWO WEDNESDAY, FEBRUARY 24, 2016

9:00 AM – 12:00 PM (Registration Opens at 8:30 AM)

BUILDING A SUCCESSFUL AML COMPLIANCE PROGRAM FOR YOUR PAYMENT SYSTEMS

Interactive Master Class Leaders

Ana Badour, CAMSPartner, Financial Services GroupMcCarthy Tétrault LLP

Rebecca Ip, CPA, CA, CFFVice PresidentKPMG LLP

• Develop best practices for implementing regulatory requirements for payment systems

• Tailor the AML program to your organization’s role as an issuer, acquirer, or merchant in the payment system

• Understand evolving payments compliance challenges and learn effective strategies to build a successful AML compliance program

©The Canadian Institute, 2015

YES! Register the following delegate for 11th Annual Forum on Payments Compliance in Canada

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ADMINISTRATIVE DETAILS

VENUE: InterContinental Toronto Centre ADDRESS: 225 Front Street West, Toronto, ONTEL.: (416) 597-1400

Hotel ReservationsFor information on hotel room availability and reservations, please contact The InterContinental Toronto Centre at (416) 597-1400 and ask for the best available rate. Please be advised that rooms are almost sold out and it is advised that you reserve now. You may cancel your room without penalty up until 4:00 PM the day prior to check-in.

Registration FeeThe fee includes the program, all program materials, coffee breaks and lunches.

Payment PolicyPayment must be received in full by the program date to ensure admittance. All discounts will be applied to the Program Only fee (excluding add-ons), cannot be combined with any other offer, and must be paid in full at time of order. Group discounts available to 3 or more individuals employed by the same organization, who register at the same time. For more information on group rates, please call 1-877-927-7936.

Delegate Substitutions and Cancellations You must notify us by email at least 48 hrs in advance of the conference if you wish to send a substitute participant. If you are unable to find a substitute, please notify us in writing no later than 10 days prior to the conference date and a credit voucher will be issued to you for the full amount paid, redeemable against any other Canadian Institute conference in the next 12 months.

Delegates may not “share” a pass between multiple attendees without prior authorization. All cancelled registrations will be subject to a cancellation fee of $350 and applicable taxes.

If you prefer, you may request a refund of fees paid less the applicable cancellation fee. No credits or refunds will be given for cancellations received within 10 days of the conference start date. No liability is assumed by The Canadian Institute for changes in program date, content, speakers or venue. The Canadian Institute reserves the right to cancel any conference it deems necessary and will, in such event, make a full refund of any registration fee, but will not be responsible for airfare, hotel or other costs incurred by registrants.

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ACT Canada: stakeholders driving payment evolution and digital identity. We are the internationally-recognized authority, trusted knowledge resource and catalyst for change in payments and secure identity, serving stakeholders from around the world for over 26 years. Learn more about

how ACT Canada can help you build your business, promote your interests, grow the market and navigate the industry through our Strategic Leadership Teams. www.actcda.com

Payments Business magazine is read by more than 13,000 Canadian executives at the nation’s leading retail merchants, ecommerce retailers, financial services institutions, direct sellers, card issuers,

acquirers, independent sales organizations (ISOs), and other businesses which much keep abreast of changing payments systems, transaction technology, card-based programs, digital currency, and traditional payment operations. The senior executives also include CFOs, treasurers, marketers, operations, credit & billing managers, collections teams, loyalty & membership managers, and IT executives. See more at: www.paymentsbusiness.ca

PaymentsJournal is a free, comprehensive online portal hosted by Mercator Advisory Group, that keeps payments and banking professionals informed through ongoing delivery of the latest news, industry blogs, research, case studies, executive interviews, and analyst insights.

PaymentsJournal’s superior content makes it ideal for anyone seeking information on a broad range of payment and banking-related topics. www.paymentsjournal.com

INTERACTIVE MASTER CLASS

THURSDAY, FEBRUARY 25, 2016

L E G A L A C C R E D I TAT I O N : • This program is eligible for up to 11.25 substantive hours by the Law Society of Upper

Canada.• This program has been approved by the Law Society of Saskatchewan for 11.25 CPD

hours for the conference. Members will also receive an additional 3.0 CPD credit hours for attending the workshop.

• The same number of hours may be applied toward your continuing legal educational requirements in British Columbia.

• The Barreau du Québec recognizes training activities held outside of the province so long as the activities have been approved by another Provincial Law Society.

• For Alberta lawyers, consider including this course as a CPD learning activity in your mandatory annual Continuing Professional Development Plan as required by the Law Society of Alberta.



February 23 – 24, 2016 • InterContinental Toronto Centre • Toronto

1175580

ATTENTION MAILROOM: If undeliverable to addressee, please forward to: ComplianceOfficer,LegalCounsel,PaymentsandCardServices,Lawyer,Partner

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PHONE: 1-877-927-7936 or 416-927-7936

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ONLINE: www.CanadianInstitute.com/ Payments

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• Hear from the regulators – OSFI and FCAC

• Discuss the challenges and opportunities of mobile payments expanding in the Canadian market

• Improve the security and privacy of your payments system data

• Protect your organization from data breach liability

• Refresh your compliance strategies for emerging technologies and prepaid cards

Berkeley Payment SolutionsBMO Financial GroupCIBC World MarketsCanadian Payments AssociationFinancial Consumer Agency of CanadaMasterCard Canada Office of the Superintendent of Financial InstitutionsRoyal Bank of CanadaVisa Canada

Top Reasons to Attend:

Benefit from Real-World Experience from Industry Leaders: