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Schedule at a Glance*
*Schedule is subject to change
Wednesday, February 15
10:30 a.m. 

Optional Education SessionPayments RFP Management
Presenter: Rene Pelegero (President & Managing Director, Retail Payments Global Consulting Group)

Optional Education Session: An overview of the regulatory and case history of card payments
Moderator: Reed Luhtanen (Senior Director of Payments Strategy, Walmart)
Presenter:  Doug Kantor (Government Affairs/Public Policy & Partner, Steptoe)
Presenter:  Richard Fraher (VP and Counsel to the Retail Payments Office, Federal Reserve Bank of Atlanta)

12:00 p.m.
Networking Lunch (all attendees welcome)
​Sponsored by: 
MAG_sponsor_CardinalCommerce
1:00 p.m.
Merchant Only: Special Interest Groups (SIGs) by vertical
     eCommerce
     Mass Merchant 
     Petroleum/Convenience Stores
     Small Ticket/Restaurant                        
2:00 p.m. 
Networking Break
2:30 p.m. 
Hot Topic Discussions- open to all attendees
Topic 1: Digital Commerce
Facilitated by Beth Costa (Partner, Oliver Wyman) & Rick Oxenhandler (Engagement Manager, Oliver Wyman)
Topic 2: Gift Card
Facilitated by Marrianne Berry (Managing Director, Auriemma Consulting Group)
Topic 3: Smart Routing
Facilitated by Laura Townsend (SVP of Operations, Merchant Advisory Group)
3:30 p.m. Networking Break
4:00 p.m. 
Hot Topic Discussions- open to all attendees
Topic 1: Faster Payments
Facilitated by Rodman Reef (Reef Karson Consulting, LLC)
Topic 2: EMV Transition 
Facilitated by Patrick Raycroft (Lead Consultant, W. Capra Consulting Group)
Topic 3: Security, Authentication & Identification Management 
Facilitated by Maria Arminio (President and CEO, Avenue B Consulting)
5:00 p.m. 
Networking Evening Event
5:00 p.m. 
New Member/Guest Merchant Reception
Thursday, February 16
***GENERAL SESSION ***
 

7:30 a.m.
Networking Breakfast (all attendees)
Sponsored by:
J.P. Morgan
8:30 a.m.
Welcome – Mark Horwedel (CEO, Merchant Advisory Group)
8:40 a.m. 

Fireside Chat with Samsung Pay's General Manager, Sang Ahn
Presenter: Sang Ahn (General Manager, Samsung Pay) 
Presenter: Nick Holland (Manager, Digital Marketing & Innovation, Payments, Dunkin' Brands, Inc.)

9:20 a.m. 

Emerging Challenges with Gift Card Fraud
Moderator: Ian Poole (Sales Engineering Director, Cardinal Commerce Corporation)
Panelist: Dee O'Malley (Sr. Director, Payment Acceptance, Best Buy)
Panelist: R.B. "Skeet" Rolling (COO, InComm)
Panelist: Sue Knotts (SR manager, Retail IT Initiatives, Wakefern Food Corp.)
Panelists: Tanya Strawn (Senior Treasury Manager, Starbucks)

10:15 a.m.  Networking Break
Sponsored by:
Vantiv Logo
10:45 a.m. 

Merchant and Issuer Collaboration Best Practices
Moderator: Dan German (Director, Global Acceptance, Microsoft)
Panelist: Sam Anson (Group Manager, Global Acceptance, Microsoft)
Panelist: Josh Karoly  (Sr. Manager Global Payments, Netflix)
Panelist: Justin O'Neill (Fraud Investigator, Capital One)

11:30 a.m. 

What Will Tomorrow’s POS Look Like?
Presenter: Greg Burch (VP of Strategic Initiatives, Ingenico Group)
Presenter: Roger Applewhite (VP of Strategic Initiatives, MagTek, Inc.)
Presenter: Kara Kazazean (Director Payment Services, Walmart)  

12:00 p.m. 
Networking Lunch
Sponsored by:
J.P. Morgan logo
1:00 p.m. 

NEW! Sponsor Breakout Sessions
MAG 2017 Mid-Year Conference Sponsor Breakouts Chart

2:20 p.m.  Networking Break
5:30 p.m. 
Networking Evening Event
Friday, February 17
***MERCHANT ONLY DAY***

7:30 a.m.
Networking Breakfast (all attendees)
8:30 a.m.
Merchant Only Sessions
8:30 a.m. 

A Word from the MAG Chairman – John Drechny (Senior Director of Payment Services, Walmart) 

8:40 a.m. 

Elections Have Consequences
Moderator:  Liz Garner (SVP of Policy & Public Affairs​, Merchant Advisory Group)
Presenter:  Beth Provenzano (VP, Government Relations and Political Affairs, National Retail Federation)
Presenter:  Hannah Walker (Director, Government Relations, Food Marketing Institute)
Presenter: Austen Jensen (VP, Government Affairs, Retail Industry Leaders Association)
Presenter: Matt Foley (National Grocers Association)
Presenter: Anna Ready (Director, Government Relations, National Association of Convenience Stores)

9:35 a.m.  Merchant Polling 
9:45 a.m.

Debit Routing Optimization Insights 
Presenter: Laura Townsend (SVP of Operations, Merchant Advisory Group)
Presenter: Doug Kantor (Government Affairs/Public Policy & Partner, Steptoe & Johnson) 

10:30 a.m.  Networking Break 
11:00 a.m.

Merchant Only Special Interest Groups (SIGs)
     eCommerce
     Mass Merchant
     Petroleum/Convenience Stores
     Small Ticket/Restaurant

12:00 p.m.
Report Backs and Open Discussion Working Lunch
Closing Remarks  Mark Horwedel (CEO, Merchant Advisory Group)
1:00 p.m. Adjourn


 
Detailed Schedule*
*Schedule is subject to change
Wednesday, February 15
10:30 a.m. 
 

Optional Education Session: Payments RFP Management
Presenter: Rene Pelegero (President & Managing Director, Retail Payments Global Consulting Group)

Most vendor relationships fail because of poorly determined requirements or poorly managed evaluation processes during the RFP stage. Walk through the strategic order of operations that help merchants extract the best value and strongest payment partner relationships.

Download Session Handout

Optional Education Session: An overview of the regulatory and case history of card payments
Moderator: Reed Luhtanen (Senior Director of Payments Strategy, Walmart)
Presenter:  Doug Kantor (Government Affairs/Public Policy & Partner, Steptoe)
Presenter:  Richard Fraher (VP and Counsel to the Retail Payments Office, Federal Reserve Bank of Atlanta)


Legal experts will review the history of regulatory actions and case law surrounding the turbulent payments business. Experts include Richard Fraher, legal counsel with the Atlanta Fed and Doug Kantor, legal counsel to the Merchants Payment Coalition. Reed Luhtanen, Sr Director at Walmart will moderate the discussion.

12:00 p.m.  Networking Lunch (all attendees welcome)
​Sponsored by:
MAG_sponsor_CardinalCommerce
1:00 p.m.
Merchant Only Special Interest Groups (SIGs)
     eCommerce
     Mass Merchant
     Petroleum/Convenience Stores
     Small Ticket/Restaurant
2:00 p.m. 
Networking Break
2:30 p.m. 
Hot Topic Discussions- open to all attendees

Digital Commerce 
Facilitated by Beth Costa (Partner, Oliver Wyman) & Rick Oxenhandler (Engagement Manager, Oliver Wyman)

Digital commerce has taken the retail industry by storm, opening up new avenues for business, providing tools and technologies to streamline and enhance the customer experience, and giving merchants greater access to their customers. However, for many merchants, digital also has its challenges and it can be a bumpy road. In this session, we will facilitate a robust audience discussion on “the good, the bad, and the ugly” of domestic digital commerce and the many hurdles merchants must overcome to reap its considerable benefits

  • The Good: Digital commerce can be a major driver of increased revenue for you and provide better experiences for your customers; how can you get even more power from online and mobile commerce for top-line growth?
  • The Bad: However, with this benefit also comes increased fraud and risk on digital commerce; how can you manage these increased risks to your business? 
  • The Ugly: And doing digital well means you need to deal with countless operational complexities, ranging from shipping to exchanges to customer service, not to mention the technological challenges of managing multiple partners and vendors; how do you navigate these operational complexities to deliver a seamless digital customer experience? 

Gift Card
Facilitated by Marrianne Berry (Managing Director, Auriemma Consulting Group)

Gift cards, a consumer favorite, are often also a favored tool of fraudsters worldwide. With fraudsters constantly looking for new vulnerabilities, it is imperative for retailers to safeguard their gift card programs.  This Hot Topics session will be guided by the priorities of attendees, and can include topics such as:

  • Recent gift card fraud trends and scams
    • Spikes in the post-holiday environment
  • Preventing risk in the digital and mobile gift card space
    • Analytics solutions
    • Leveraging IP addresses
    • Preventing false positives
  • Preventing risk in the in-store environment
    • Identifying employees who may be participating in fraudulent activity

Smart Routing 
Facilitated by Laura Townsend (SVP of Operations, Merchant Advisory Group)

Over the years, there has been much discussion around smart routing and merchant strategies on the subject heightened as a result of regulatory reforms on debit.   Have you implemented a routing optimization strategy.   If not, why?  What are the barriers?  If so, what has been your experience?  What are the trends that concern you about the future of these rights that are rightfully yours by virtue of the regulation?  What actions should be taken to address those concerns?  What’s next?

3:30 p.m. Networking Break
4:00 p.m. 
Hot Topic Discussions- open to all attendees

Faster Payments
Facilitated by Rodman Reef (Reef Karson Consulting, LLC)

Merchants and consumers want to receive and use money (“funds”) in a timely manner.  In our instant gratification Internet world, they do not understand the need to wait two, three, four and more days to use funds they appropriately received.  This is especially true for millennials and the generation following them.  Many fund recipients have experienced the faster payment systems in countries as varied and different as the U.K. and Mexico and ask why the U.S. does not have something similar.  This Hot Topic open discussion will briefly review the ACH’s same day settlement environment, the Federal Reserve’s faster payments work and the private sector’s efforts to address this service.  The goal is to identify, through and open dialogue, what “faster payments” means, when the systems will be ready and where faster payment solutions can be used to benefit the merchant community.
Jan Estep, the President and CEO of NACHA (the ACH’s governing body) and Sean Rodriguez, the leader of the Federal Reserve’s Faster Payments Task Force, will participate in the discussion to answer your questions and to provide insight about how faster payments can be used to improve merchant businesses.
Please come to this session with questions, comments and ideas to explore the world of faster payments.

EMV Transition
Facilitated by Patrick Raycroft (Lead Consultant, W. Capra Consulting Group)

The transition to EMV in the US has seen hurdles, obstacles, and pains as the US enables chip card acceptance across retail verticals. While many merchants have completed their initial deployment, the EMV journey is far from over. So what’s next? Contactless? Automated Fuel Dispensers? Quick Chip? In the EMV Transition Hot Topic session, attendees will be able to join a round table discussion to gain different perspectives on past, current, and future considerations related to everything EMV.

Security, Authentication & Identification Management
Facilitated by Maria Arminio (President and CEO, Avenue B Consulting)

With the U.S. implementation of EMV chip technology well underway, the need for effective payment strategies for transaction security in the traditional POS and online channels has never been more pressing.  As predicted, fraud has shifted from the card present to the card-not-present environment, creating new challenges for Merchants in authenticating cards, devices and users in the online and mobile environments.  Credit and debit cards are not the only payment types that are subject to fraud. ACH, wires and checks have many of the same risk management challenges, requiring new solutions for supporting same day authorization and settlement. These industry developments underscore the importance of implementing fraud mitigation solutions without compromising customer convenience.
   
This roundtable discussion is designed as a deep dive into payment security solutions and the latest innovations in fraud prevention.  The session will address the myriad of emerging technologies available to mitigate fraud losses, focusing particularly on solutions for the online and mobile environments.  Hot topics, such as reciprocal tokenization agreements, merchant control of debit network routing, and the use of dynamic authentication techniques for debit purchases, will be explored.  Issues dealing with liability shifts, operational impacts, and the need for open standards will be debated.

5:00 p.m. 
Networking Evening Event
5:00 p.m. 
New Member/Guest Merchant Reception
Thursday, February 16
***GENERAL SESSION ***
 

7:30 a.m.
Networking Breakfast (all attendees)
​Sponsored by:
J.P. Morgan logo
8:30 a.m.
Welcome – Mark Horwedel (CEO, Merchant Advisory Group)
8:40 a.m. 

Fireside Chat with Samsung Pay's General Manager, Sang Ahn
Presenter: Sang Ahn (General Manager, Samsung Pay) 
Presenter: Nick Holland (Manager, Digital Marketing & Innovation, Payments, Dunkin' Brands, Inc.)


When Samsung Pay launched in 2015, its MST technology enabled it to work in almost all major merchant locations.  Samsung has since focused its efforts on building value-adding services around the mobile wallet that create opportunities for merchants to engage with its users. Sang Ahn, General Manager of Samsung Pay US, will share Samsung’s vision for evolving Samsung Pay to drive innovation in mobile payments, specifically focusing on how Samsung Pay is looking to build meaningful partnerships with merchants.  Joining Sang on stage will be Nick Holland from Dunkin Brands, one of Samsung’s biggest merchant partners to date, to discuss how Dunkin has benefitted from its partnership with Samsung Pay.

9:20 a.m. 

Emerging Challenges with Gift Card Fraud
Moderator: Ian Poole (Sales Engineering Director, Cardinal Commerce Corporation)
Panelist: Dee O'Malley (Sr. Director, Payment Acceptance, Best Buy)
Panelist: R.B. "Skeet" Rolling (COO, InComm)
Panelist: Sue Knotts (SR manager, Retail IT Initiatives, Wakefern Food Corp.)
Panelists: Tanya Strawn (Senior Treasury Manager, Starbucks)


Panelists will discuss what merchants are experiencing with gift card fraud and where consumers and fraudsters are going related to gift cards and fraud.  Hear about the future landscape of gift cards and fraud and how to keep your transactions frictionless, and at the same time, provide the most security for your consumers and eliminate fraud.  Panelists will discuss mobile customers, in-app purchases, fraud and risk with high value gift cards as well as solutions to deal with gift card fraud.

10:15 a.m.  Networking Break 
​Sponsored by:
Vantiv Logo 
10:45 a.m. 

Merchant and Issuer Collaboration Best Practices
Moderator: Dan German (Director, Global Acceptance, Microsoft)
Panelist: Sam Anson (Group Manager, Global Acceptance, Microsoft)
Panelist: Josh Karoly  (Sr. Manager Global Payments, Netflix)
Panelist: Justin O'Neill (Fraud Investigator, Capital One)

Historically, banks and merchants have frequently been at odds over how to best serve our mutual customers best interests.  Microsoft and Netflix/LinkedIn/some other large CNP merchants have taken an issuer friendly collaborative approach to understanding true fraud costs for the issuer and the merchant alike. Through mutual collaboration, they have explored methods to improve issuer access to critical data leading to improved fraud decisioning by both sides of the payment equation leading to a better experience for the most important payment stakeholder, the paying customer.  Panel participants will include representatives from Microsoft’s Global Payment Acceptance team, Netflix/LinkedIn/some other merchant and large issuer(s).

11:30 a.m. 

What Will Tomorrow's POS Look Like?
Presenter: Greg Burch (VP of Strategic Initiatives, Ingenico Group)
Presenter: Roger Applewhite (VP of Strategic Initiatives, MagTek, Inc.)
Presenter: Kara Kazazean (Director Payment Services, Walmart)  


Join our presenters in a discussion about the future of the point of sale and how it is likely to change to address the needs of retailers serving the evolving demands of their customers. 

12:00 p.m. 
Networking Lunch
Sponsored by:
J.P. Morgan logo
1:00 p.m. 
NEW! Sponsor Breakout Sessions

ACCEO Tender Retail
EMV Migration Updates and Next Steps
1:00 - 1:35 p.m.

• EMV adoption rates
• EMV is a four letter word; EMV Challenges
• The impact of EMV Migration: security, fraud, chargebacks
• How to speed up the EMV transaction; Quick Chip and other new technologies
• What’s next
Speaker: Michael Carrick (ACCEO Tender Retail, US Business Development)

Auriemma Consulting Group
Synthetic Fraud’s Threat for Retailers
1:00 - 1:35 p.m.

In the post-EMV climate, fraudsters are actively seeking new fraud schemes and channels to exploit. One of the leading threats is also one of the hardest to track – Synthetic Fraud, a lesser-known fraud that has exploited vulnerabilities in credit reporting and applicant verification. In this instance, criminals combine real – often stolen – and fabricated information to create a new identity, open accounts and gradually establish credit. Session attendees will leave armed with best practices for recognizing and dealing with Synthetic Fraud, both in the retail environment and private label/co-brand card programs. This is a working discussion group, and participants should come ready to share their experiences, observations and best practices. 
Speaker: Ira Goldman (Director, Industry Roundtables, Auriemma Consulting Group)

FIS   
Making Sense of Faster Payments
1:00 - 1:35 p.m.

From NACHA to the Fed to FIS to The Clearing House, and a wide range of other organizations, various efforts have been mounted over the past few years to speed up clearing and settlement in the United States. Some efforts have worked towards same-day payments, while others are aimed for so-called real-time transactions. The variety of efforts can lead to confusion. This session will seek to answer such questions as: Just what are faster payments? And why does the US need to speed up its payment systems?
This session will define faster payments as the term is used in today’s discourse in the North American payments industry, why faster payments matter and why they loom as such an important topic in the industry now, as well as risk management for faster payments.
Speaker: Esther Pigg (SVP, Product Strategy, FIS, Global Retail Payments)

Ingenico Group
More Than a Buzz Word: Delivering Omni-Channel Commerce Experiences
1:00 - 1:35 p.m.

The term “omni-channel” officially landed in the book of buzzwords for many in 2016. Despite its prevalence, it’s a concept that many merchants are struggling with. The true meaning of omni-channel is allowing customers to pay where and how they want to pay in a truly frictionless experience. Retailers have told us their teams are struggling with understanding the complexity of these technologies and how they come together to seamlessly work across brick-and-mortar and e-commerce. This session will debunk the myth that omni-channel is “just a buzzword” and explore approaches merchants are using to achieve the benefits of omni-channel strategies so they can provide customers with a better payments experience in 2017 and beyond.
Speaker: Greg Burch (VP Strategic Initiatives, Ingenico Group)

ACI Worldwide 
Empowering Merchants through adoption of global standards
1:45 - 2:20 p.m.

Acquirer certifications, EMV implementation, security, Omni-channel, and global expansion are just a few of the many challenges that merchants face when trying to deliver a seamless and frictionless payments experience. The pieces don’t fit, the players don’t talk, and we are always finding and creating adapters/converters and layers to deal with all of the compatibility issues in the ecosystem.
Is there a better way forward? Absolutely!
The nexo organization is bringing together the stakeholders and moving forward a true end to end global standard for payments. Using ISO2022 as a base, the nexo standards create common terminal interaction and payment protocols connecting retailers to service providers to acquirers which result in a consistent and secure method of satisfying the current and future connectivity needs for merchant payment processing.
In this session you will learn more about nexo and why your organization, if you haven’t already, should start adopting these standards now. Come learn about the many benefits of utilizing nexo both locally and globally to enable seamless cross-border expansion of you enterprise payments platform.
For merchants, nexo provides, flexibility, choice, and control
• Breaks the barriers created legacy proprietary specifications
• Enables a common certification standard
• Let’s you define the customer journey for your business
• Increases competition among the providers around service
• Enables innovation to happen
• Creates a common customer interaction on payment choice, helping merchants reduce processing fees and interchange 
Speakers:  Normand Provost (Nexo, Marketing and Communication Chair) and Bryan Croteau (Director, Product Management, ACI Worldwide)

BIM Buy-It-Mobility
Why ACH at the POS is So Much More than Lower Transaction Costs
1:45 - 2:20 p.m.

BIM provides merchants the payments and commerce platform they’ve been waiting for – one that addresses their specific business needs.
Through BIM’s robust and secure platform, merchants can connect more meaningfully with their customers, drive incremental revenue, drastically reduce interchange fees as well as transaction fraud, and even enhance loyalty program participation.
Designed for both mobile and website commerce, BIM has removed the need for merchants to choose between consumer ease of use and security.  During our 40-second consumer enrollment process, BIM’s platform gathers and analyzes thousands of data points with a proprietary risk algorithm which authenticates and verifies the customer, their bank account and their mobile device to drastically reduce mobile and eCommerce transaction fraud. Transactions that are approved on BIM’s platform are guaranteed with next-day settlement – providing merchants with the reliability they need at the price point they want. 
BIM has streamlined technical integration timeframes down to a few days to make it easy to plug their newly released BIM 2.0 platform into apps and websites.
BIM has processed live transactions at many of the largest US merchants (e.g., Walmart, Target, Shell, CVS, etc.) and will be announcing some major new merchant partnerships in 1Q17.
Speaker: Adam Frisch (President and CEO, BIM)

Cardinal Commerce Corporation
What 3-D Secure 2.0 Means to You?
1:45 - 2:20 p.m.

For Card-Not-Present and Omni-Channel merchants, 3-D Secure doesn’t have the best reputation. Introduced in the early 2000s, 3DS often introduced friction into online transactions, and caused cart abandonment and lost sales for merchants. Fast-forward to today … issuers and solutions providers have developed risk-based techniques to authenticate many transactions behind the scenes, and EMVCo is developing the next generation of 3-D Secure authentication protocols. 
Join us for an update of what is happening with EMVCo and the card networks, what the timeline for 3DS 2.0’s release is, and how merchants will be affected.
Speaker: Ian Poole (Sales Engineering Director, Cardinal Commerce Corporation)

W. Capra Consulting Group
EMV Transition: What’s Happened and What to Expect Next
1:45 - 2:20 p.m.

Presenter Sam Schieber will begin the session by providing updates on the current state of the EMV transition along with successes and common challenges that retailers have encountered during implementations. Next, Sam will begin deep-dives into a number of education topics that will include, but not limited to: (1) payment steering and recent regulations and (2) the payment brand’s delay of the AFD liability shift to 2020. Sam will wrap up the session with a forward-looking segment discussing EMV’s path over the next 24-36 months. Lastly, Sam will field questions from the audience.
Speaker: Sam Schieber (Payments Consultant W. Capra Consulting Group)

Kash
The (Hopefully) Short Future of Debit Interchange 
2:20 - 2:55 p.m.

Lloyd Constantine, Constantine Cannon LLP, Lead Counsel In re VisaCheck, Discover v Visa & MasterCard, States v Visa & MasterCard, Author, Priceless: The Case That Brought Down The Visa/MasterCard Bank Cartel
Speaker:  Kaz Nejatian (CEO, Kash), and Lloyd Constantine (Constantine Cannon, LLP)

Bluefin Payment Systems
PCI Validated P2PE – 3 Years in North America, What Has Changed for Merchants?
3:00 - 3:35 p.m.

The first PCI-validated Point-to-Point Encryption (P2PE) Solution was introduced in North America in March 2014 and was one of only 4 validated solutions worldwide at that time. Since 2014, more than 25 solution providers have been validated, including acquirers and gateways in both the U.S. and overseas.
This session will provide an update on PCI-validated P2PE solutions available today and additional enhancements that have been introduced, including Remote Key Injection (RKI) and the ability for large merchants to “build” their own validated solution. Specifically, this session will explore:
• Types of Available Solutions – Processor, Stand-Alone and Integrated
• PCI-validated P2PE “Omni-channel” Offerings for Retail, Mobile, Kiosk and Call Center
• Solution Implementation, Management and Reporting
• PCI Scope Reduction and Assessments
• Return on Investment
• The Ability for Merchants to “Build” their Own P2PE Solution
Speaker: Ruston Miles (Chief Innovation Officer, Bluefin Payment Systems)

Oliver Wyman
Cross Border Digital Commerce: The Better, The Worse, and the Uglier
3:00 - 3:35 p.m.

Digital commerce is Hot, and Cross-Border Digital Commerce is even more so!  Merchants are eager to tap into a broader, perhaps even global market, and it’s even greater potential to lift sales. However, high costs and barriers to entry inherent in cross-border transactions need to be well understood and may be overwhelming. In this session, we will discuss how cross-border digital commerce is “better, worse, and uglier” than domestic digital commerce and how merchants can potentially take a platform that has been successful at home and translate that into success in other markets.
• The Better: Cross-border commerce is growing rapidly and provides access to a much larger customer base; How can you harness the buying power of international markets and make it easy for customers to make purchases digitally? 
• The Worse: The potential for increased fraud and risk with cross-border digital transactions is even higher than with domestic transactions; What are some ways to (1) mitigate and (2) manage these risks so international purchases can be a net positive for you?
• The Uglier: Operational issues become exponentially more complex due to payment fees, language, currencies regulatory, and support variations by geography; how do you manage the additional complexities associated with cross-border digital commerce without detracting from the broader customer experience? We will touch on each of these areas of complexity, and then dive more deeply into components of transaction costs and how to manage them.
Speakers:  Beth Costa (Partner, Oliver Wyman) and Rick Oxenhandler (Engagement Manager, Oliver Wyman)

Optimized Payments Consulting, Inc.
Optimizing Card Fees 
3:00 - 3:35 p.m.

Attend this session to understand best practices in understanding and reducing card fees…from interchange to network fees to acquiring fees. 
Speaker: Anand Goel (CEO, Optimized Payments Consulting, Inc.) 

Prociant Inc
Preventing Chargebacks and Gift Card Fraud by Identifying High Risk Transactions at the Point of Sale
3:00 - 3:35 p.m.

A PowerPoint Demonstration on the characteristics of high risk transactions with associated procedures to prevent the loss without disrupting the Sales Staff mandate to sell.
Speakers: Lee Jurgens (CEO, Prociant, Inc.) and Brian Mclaughlin (CFO, Prociant Inc.)

Bank of America Merchant Services 
How Merchants Are Grappling with Cybersecurity Threats and Fraud 
3:45 - 4:30 p.m.

Why is this a relevant topic? As more people choose to shop online, fraud is on the rise. In addition, tighter controls at the point of sale is driving criminals to focus their efforts in card-not-present fraud. As these efforts grow more sophisticated, merchants need to stay on top of the latest trends to protect their customers and their bottom lines.
In this session, we’ll cover:
(a) The latest card-not-present fraud methods – 3-D skimming devices, for example – and how to proactively address them
(b) Trends we’re seeing as the merchant migration to EMV forces more fraudsters online
(c) Implications for PCI DSS compliance
Speakers: David Ades (GM and Head of Sales, North America, Bank of American Merchant Services) and Larry Brennan (SVP of Merchant Data Security and Cybersecurity Director, Bank of America Merchant Services)

Heartland, a Global Payments company
Optimize Your Checkout for Millenials
3:45 - 4:30 p.m.

The online shopping landscape has changed. Millennials represent more than 70 million potential shoppers and buy more than half of their purchases online.  In this session you will learn about some tactics your organization can make today that will increase conversion rates for this massive group of shoppers. We will cover loyalty programs, mobile-friendly, preferred contact methods, review collection, social sharing and more.
Speaker: Mark Hagan (Manager of Software Development, Heartland)

J.P. Morgan
Bridging the Digital Divide to Go Beyond Payments
3:45 - 4:30 p.m.

Digital payments have doubled since 2013 and are starting to deliver value to both consumers and retailers, getting us closer to the proverbial tipping point. Over the next three years, mobile wallets will evolve to become commerce platforms, going beyond payments to enable retailers to engage their customers throughout the purchase journey.  Industry experts from J.P. Morgan will share their perspectives on trends in the digital landscape, present insights on digital commerce through the eyes of both consumers and retailers, and share how to bridge the gaps to create engaging experiences that solve both consumer and merchant pain points. 
Speakers:  Shaun Abraham (Vice President, Market Intelligence, J.P. Morgan) and Drew Soinski (Executive Director, Global Enterprise Solutions, J.P. Morgan)

Vantiv
Reconsidering Key Entry and Voice Authorizations
3:45 - 4:30 p.m.

With EMV and new rule changes from the networks, this session will help attendees evaluate the pros and cons of these old acceptance tools. What should a merchant consider when deciding whether to stop accepting key entry? Does Voice Authorization still have value? Merchants will also learn how both of these methods impact chargeback rights and liability.  
Speakers: Katie McSparron (Vantiv Relationship Management) and Eric Cofer (Vantiv Relationship Management)

Adyen
Payment Strategies from Silicon Valley
4:45 - 5:30 p.m.
Join Adyen, described by Bloomberg as "Silicon Valley’s payment system of choice", for an exploration of how the world's top global tech companies drive revenue through innovative, data-driven approaches to challenges like cross-border expansion, success rate optimization, and removing friction in the buying experience. Learn why companies like Uber, Netflix, and Facebook are redefining the way people pay and how you can leverage those same innovations to grow your business and delight your customers.
Speaker: Luke Salinas (SVP Strategy, Adyen) 

CMS Payments Intelligence (CMSpi)
Opening the consultants playbook – calculating the real cost of payments
4:45 - 5:30 p.m.

Processing cash and card payments cost merchants billions of dollars every year, however, in attempting to examine headline payments costs many merchants make decisions without being provided with all the necessary information.
For the very first time, the team from independent consultancy, CMSpi, open their playbook and present the fundamental techniques used by their consultants in calculating a merchant’s payments costs. This robust system will provide you with the most important metric your department needs today – your true cost of payments. Once established, the end result enables you to correctly benchmark ongoing performance and provides black and white clarity on the impact of cost reduction initiatives. 
Participants of this breakout session will learn:
• The traffic light model of examining cost areas 
• How to benchmark year-on-year costs properly against your peers and best practice
• The number one technique to break down and scrutinize each element of your cash and card supply chains
• The inconvenient truth behind benchmarking supplier performance: is your business receiving the best service at the most competitive price?
• Weighting the importance of pricing, service quality, processing costs and value on your cost of payments
Speakers: Elley Frost (Global President, CMS Payments Intelligence) and Brendan Doyle (CEO, CMS Payments Intelligence)

First Data
Getting Ahead of Today’s Security Challenges: Supplementing the First Line 
4:45 - 5:30 p.m.

As new technology makes it faster and easier to shop, sell, and spend than ever before, the threat landscape continues to expand, leaving businesses and their customers vulnerable to new and growing threats. Companies across the board are looking for new lines of defense as they work to protect their data, assets and reputations, and emerging technologies offer a new means of warding off threats and preventing chargebacks. Attendees will learn how companies can use advanced technology to get ahead of security challenges and ultimately reduce their overall risk while protecting customers. In this session, Ajay Guru, Vice President, Security and Fraud Solutions at First Data, will explore how businesses can take advantage of emerging technologies like machine learning, artificial intelligence, and predictive analytics to protect data and assets and stop fraud before it even occurs.
Speaker: Ajay Guru (VP, Security and Fraud Solutions, First Data)

Kount
Holiday Chargeback Hell: How holiday season profits can turn into massive chargeback losses
4:45 - 5:30 p.m.

The 30-60-90 day lag in chargeback reporting can be discretely hidden by record sales. To make matters worse, the chargeback lag means your financial reports will show a distorted picture of your company’s performance. For example, sales you thought you had in December could actually turn out to be ugly losses in February, March, and April.  This session explains the pitfalls of a chargeback lag and the importance of getting in front of this common hazard.
Speaker: Jennifer Howard (Sr. Marketing Program Manager, Kount)
2:20 p.m.  Networking Break 
5:30 p.m. 
Networking Evening Event
Friday, February 17
***MERCHANT ONLY DAY***

7:30 a.m.
Networking Breakfast (all attendees)
8:30 a.m.
Merchant Only Sessions
8:30 a.m.  A Word from the MAG ChairmanJohn Drechny (Senior Director of Payment Services, Walmart) 
8:40 a.m. 

Elections Have Consequences 
Moderator:  Liz Garner (SVP of Policy & Public Affairs​, Merchant Advisory Group)
Presenter:  Beth Provenzano (VP, Government Relations and Political Affairs, National Retail Federation)
Presenter:  Hannah Walker (Director, Government Relations, Food Marketing Institute)
Presenter: Austen Jensen (VP, Government Affairs, Retail Industry Leaders Association)
Presenter: Matt Foley (National Grocers Association)
Presenter: Anna Ready (Director, Government Relations, National Association of Convenience Stores)


The results of the 2016 Presidential election were a surprise to many. With a Republican-led Administration and Congress, there is tremendous potential for changes to the ever-important Dodd-Frank Wall Street Reform and Consumer Protection Law, which contains the Durbin amendment debit fee and routing reform language. Hear from the head tech and payments lobbyists at several leading Washington-based trade associations on what the outcome of the election means for payments policy this Congress, and how the merchant community can get involved to help ensure debit reforms remain intact.

9:35 a.m.  Merchant Polling 
9:45 a.m. 

Debit Routing Optimization Insights 
Presenter: Laura Townsend (SVP of Operations, Merchant Advisory Group)
Presenter: Doug Kantor (Government Affairs/Public Policy & Partner, Steptoe & Johnson) 

Over the years, there has been much discussion around debit routing optimization. An inflection point was reached with the advent of regulatory reforms several years ago. Since Reg II went into effect, many merchants have benefited; however, others have not yet implemented a routing optimization strategy. To help inform members of the potential opportunity, the MAG arranged for a select group of members and sponsors to provide insights based on their experiences. Join us for an overview of these insights regarding strategy and execution of debit routing optimization.

10:30 a.m.  Networking Break 
11:00 a.m.

Merchant Only Special Interest Groups (SIGs)
     eCommerce
     Mass Merchant
     Petroleum/Convenience Stores
     Small Ticket/Restaurant

12:00 p.m.
Report Backs and Open Discussion Working Lunch
Closing RemarksMark Horwedel (CEO, Merchant Advisory Group) 
1:00 p.m.
Adjourn