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Session Topics

Planning a conference or meeting? Tap into the SHAZAM Speakers Bureau to put payments industry expertise squarely in front of your audience. Our speakers highlight the latest trends in technology, simplify the complexities of the regulatory environment, and offer ideas and tools to maximize your institution’s potential.

We bring value to your event by leaving your audience with information they can put to immediate use. From tips on fraud to navigating the media, our speakers put useful, timely information in their hands.

  •  Payments

    Emerging trends in payments
    Evolving and emerging payments mean the competitive landscape is shifting and businesses of all sizes need to stay informed about these changes. To remain relevant and competitive, you need to understand today’s payment trends and how to monitor your debit card portfolio profitability. Explore the benefits of new debit programs and technologies, the challenges they present and how increased options on payment networks could mean higher profitability for your institution.

    Five questions to evaluate your payment program
    Based on information from the Average Debit Card Interchange Fee by Payment Card Network, the annual survey conducted by the Federal Reserve, it may be time to review and evaluate your card payment program. The payments landscape is changing. Segmenting payments into signature and PIN buckets is, frankly, outdated. Understanding the difference between fixed rates and percentages helps determine how routing matters. These factors all add up to a program that can provide greater interchange for your institution. It’s time to shift your thinking and realize better results.

    New technologies: The future of payments
    Evolving and emerging technologies like chip, P2P and voice payments are changing the payments landscape and businesses of all sizes need to stay informed. To remain relevant and competitive, you need to understand today’s payment trends and consider how to meet the demands of modern commerce. Explore the benefits of new technologies, the challenges they present, and how increased options on payment networks could mean higher profitability for your institution.

    Payments 101
    The payments landscape continues to evolve, yet the basic understanding of how payments work is often overlooked. You shouldn’t be paying for your debit card program — it should be paying you. To take advantage of non-interest income community financial institutions must evaluate their payments program to receive the best interchange income. Learning how merchants influence interchange rates, opportunities for single and dual message, and the importance of gross and net interchange are just the first steps in developing your best payments program.

    Shaping the payments system: Your role in creating a level playing field
    Most laws regulating payments were implemented when the checks were the primary mechanism for moving money in the United States. The world has changed, and life’s increased pace means new standards are needed to ensure competition and choice remain. Allow your voice to be heard when speaking about a payments system that’s critical to you and your customers. Explore three areas essential to the future of a competitive payments system and ways to advocate at the state and federal levels.

    Standards in payments
    Payments technology is evolving quickly, but who’s owns the technology and controls the way you pay? How is that changing the competitive landscape of payments in the United States? The rise of proprietary technology in payments is steering the marketplace, discouraging competition and quashing innovation. What needs to change to ensure competition and innovation flourish as technology evolves? The answer: Standards in payments.

    The weaponization of technology: Why your payments program is at risk
    Payments technology is quickly evolving, but who’s controlling the latest changes to the way you pay, and how is that changing the competitive landscape of payments in the United States? Proprietary technology is eroding the highly competitive marketplace and discouraging new and innovative solutions. Learn what needs to change to ensure competition and innovation flourish as technology evolves.

    Value of a second network
    Since the implementation of Regulation II — sometimes known as the Durbin Amendment — in 2012, the value of the second network is important to community financial institutions. Why? For three reasons: 1) Levels the playing field, 2) Drives the use of standards for mobility, security and interoperability, and 3) Requires partners and vendors to allow you to do business with who you want. Find out how to evaluate a second network and why this decision is critical to your institution’s payment program.

    What do you mean faster? How Faster Payments will impact your strategy
    Faster payments. What does it mean? There’s much discussion and news about building a faster payments system, but how will it work for your institution? Gain greater understanding of the current payments landscape and the challenges and opportunities that exist for stakeholders. We’ll look at the practical application of faster payments in lives of our consumers and address the technologies needed and risks to consider as we race toward the future of faster payments.

  •  Technology

    Building bridges with artificial intelligence
    This session explores how artificial intelligence provides opportunities for community institutions and financial technology service providers to partner. We’ll show you how those partnerships can help your institution use the rich data and enhanced computing power of AI in pursuit of a leading-edge consumer experience.

    Remote commerce: What’s your digital strategy?
    New technologies that continue to grow worldwide, remove the need for physical terminals. Mobile commerce, electronic funds transfer, internet marketing, online transaction processing and electronic data interchange are just a few of the ways funds are moved from one to another. We’ll review past technologies and the role security plays to ensure a payment ecosystem of excellence.

    Can my ‘fridge pay the bills' and other questions in the internet of things
    Talking speakers, smart appliances, connected cars, wearable devices and other technologies are moving our physical world to computer-based systems that store information and increase efficiencies. The “Internet of Things” is a giant network of connected devices that have an IP address and share information between people and things. Experts estimate that there will be 20 billion connected devices by 2020. Yet, what does it mean for safekeeping of the collected data? With the growing trend to develop devices that store personal and business information, data security is a priority.

  •  Fraud

    Elevating your fraud prevention strategies
    What are the latest schemes, trends and tricks fraudsters are using to get your customer information? With ever-evolving tactics, it can be difficult to stay abreast of current trends. Learn the many ways criminals are gathering card information and what can be done to prevent fraud and card losses. Fraud detection systems, blocking transactions, transaction alerts and other important tools will be discussed. From chip cards to the increase in skimming attacks, we’ll discuss ways to keep fighting back.

    Fraudsters toolbox: Targeting the elderly
    The elderly are a top target for scam artists and financial crimes against this population are becoming more rampant in the age of social media. Find out the different ways fraudsters target these vulnerable citizens using spam and tech support scams, law enforcement and IRS scams, grandparent and romance scams, in addition to phone call scams. Learn how to recognize unusual account activity and use the provided tools to educate your elder cardholders. Select three topics to highlight in your program: Romance scam, law enforcement/IRS scam, Social Security scam, text spam scam, tech support scam, grandparent scam, secret shopper scam and Craigslist scam.

  •  Security

    Engineering a breach: How cyber criminals use your employees to gain access to your systems
    Your employees are connected to the world outside your institution by personal and professional networks, social media accounts and other technologies. Those connections can benefit your business — and pose a huge threat. Attackers use these tools to manipulate their victims into divulging crucial, confidential information and it’s one of the main components in every cyberattack. These methods come under a variety of names: Phishing, smishing, vishing and more. We’ll study the anatomy of a cyberattack using real-life examples and provide ways to reduce risk.

    From theory to application: Keeping your institution secure
    Stay in the know of common IT security findings and vulnerabilities impacting community financial institutions. We’ll provide a methodology for identifying new and current risks to help your institution minimize its risk profile, master remediation techniques and have continual cyber security awareness. This session will conclude with an interactive walk-through of how their methodology applies to the most common threat facing any organization — social engineering.

    Robbery: Prepare, respond, recover
    Nothing is more important than the safety of your employees and customers. By identifying procedures, response tactics and the recovery process, you can be better prepared should a situation arise. Learn about deterrence trends, surveillance best practices and law enforcement partnerships that help shape a robbery program at your institution.

    Skimming, scammers and security
    Across the country, skimmers and the cloned cards they produce are costing banks millions of dollars in fraudulent transactions, re-issued cards and damaged reputations. Understand how skimming happens and what to do when it does occur. We’ll share real world examples and short videos to demonstrate how skimmers work, how data is collected and how easy it is to clone a card from the collected data. Once a card is compromised, learn how to mitigate the risk and ways to fight back.

  •  Compliance

    Disputes and chargebacks — pain or profit?
    Your institution will always see transactions disputed by the cardholder, but do you have time to navigate the complicated rules that decide who pays? Understanding the complexity that governs liability can take valuable time. How do disputes get resolved, leaving your institution whole? Learn best practices for disputes and chargebacks to take control of the situation.

    So much Reg E, so little time
    Regulation E spells out a consumer’s rights and liabilities along with the responsibilities of financial institutions, yet the language can be complicated. We cut to the chase and outline best practices for resolving errors and simplify the ways to determine the consumer’s liability. Learn your responsibilities and how to protect your consumers without suffering needless losses from debit card transactions.

  •  HR and Professional Development

    Developing a talent pipeline
    Financial institutions across the country are struggling to recruit and retain talent. Are you looking for an established pipeline of entry-level candidates? What if we told you about a great way to find future employees and grow your own talent? It’s a recruiting tool that allows you to test-drive the talent your organization needs, effectively manage your workflow, and help grow your business to accomplish future objectives. In this session participants will learn how to develop talent partnerships and create a program that mutually benefits their company and community.

    How “smart” are your emotions?
    How often have you been told to check your emotions at the door? There’s a growing field of research on the value and importance of emotional intelligence — an individual’s ability to use information to guide thinking and behavior to adapt to different environments or achieve one’s goals. Understanding and using emotions correctly can make you a better communicator and, ultimately, more effective in your job. Learn strategies to increase your emotional intelligence and use that knowledge for better decision-making. With a greater understanding of your emotions, you’ll experience positive impacts in both your professional and personal life.

    Tough conversations in the workplace
    Conflict is inevitable — in work and in life. Managers must address performance issues, and colleagues with competing priorities must figure out how to work together. These situations call for having tough conversations. Hear how to conduct tough conversations, build communication skills and enhance relationships — leading to better business performance. Identify underlying differences in work styles, goals and power dynamics to change the way you view conflict. As a bonus, receive practical tools to help you prepare for your next difficult conversation and make sure you choose words that won’t alienate the other person.

  •  Marketing and Communications

    Communicating during a crisis
    You’ve just had a critical incident at your business. Reporters are waiting outside with cameras. Are you ready? There’s a way to make sure you won’t be searching for answers when you find yourself in this position. The 24-hour news cycle means local news organizations are hungrier than ever for fresh content and credible experts. This session will make the case that developing relationships with local media and saying “yes” when they call for your help will pay off for your reputation, your business and your bottom line.

    Delivering your story with power and clarity
    You have the opportunity to tell your institution’s story every day, yet unless you understand and consider the context, the filters through which others see the situation, and the unique experiences that different listeners bring to the conversation — opportunity is missed. Gain tips in how to really understand and engage in more permanent, meaningful outcomes.

    Stop selling and start connecting
    It’s not enough to be your community’s “hometown bank.” It’s more than telling a potential customer it’s “your people” who make the difference. They really don’t care how many years you’ve been in business. It’s time to focus on your story. Explore the ways digital media is changing the way we market to consumers, new ways customers are digesting information, and how you can differentiate your message by connecting with customers through storytelling instead of trying to sell to them.

    Social media: Paid, owned, earned
    Social media is increasingly being used for developing connections and advocacy efforts. Utilizing a mix of owned, earned and paid social media increases engagement, raises awareness of your brand, and ultimately improves your bottom line. It’s a balance of what you are saying, what others are saying about you, and what paid messages are placed. This session will provide insights for establishing a social media plan incorporating owned, earned and paid media.

    Was my communication received?
    Measure twice and cut once. Sound advice and it works in the communication world, too. Chances are you’re using multiple communication channels to tell your story. From web content, blogs and social media — how do you learn what’s successful, what isn’t and what should be improved? Review measurement techniques gain tips for improving reach and engagement for your financial institution and hear ways to use these metrics to justify your budget to leadership.