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As a result of the onslaught on the UK market by U.S. entrants, the concept of risk management has become even more crucial for card issuers. If shrewd risk management is not adhered to, the sheer weight of the market and the growing number of competitors will squeeze an issuer so tightly that profit margins will diminish. This conference will explore the implications of this escalating competition on risk management techniques.

As a senior card executive, you will be aware of the importance and potential of this field. We would therefore like to invite you to register for SMi’s Payment Cards and Risk Management 1999. As you will see from the brochure, key speakers include representatives from the Card Associations and from leading retail banks and risk management experts.

Conference programme

8:30 Registration and Coffee

9:00 Chairman's Opening Remarks

Peter Welch

Peter Welch, Contributor, European Card Review


Peter Jones

Peter Jones, Managing Director, Payment Systems Europe

  • Anglo Saxon vs mainland European approaches to consumer and merchant risk assessment
  • Analysis of European risk management infrastructures
  • Is risk an inhibitor to the growth of Europe’s card business?
  • The impact of increased competition on risk management technology and systems
  • What will be the future shape of the European market

    David Emsworth

    David Emsworth, Fraud Management and Risk Services, Europay International

  • How will this programme help banks realise major reductions in the losses arising from fraud
  • Complying with a minimum set of risk management operating standards
  • Providing banks with practical recommendations on how to minimise potential or real fraud losses
  • Analysis of the three distinct levels of review for the member banks
  • Making comparisons between a member’s fraud levels and its turnover
  • Ensuring that members do not pose a risk to themselves or others

    Ken Howes

    Ken Howes, Partner, Edgar Dunn and Co

  • Business case issues
  • The potential use of smartcards for fraud on the Internet
  • Smartcards and cardholder verification techniques
  • 11:00 Morning Coffee


    Mark Carrington

    Mark Carrington, Partner, Mitchell Madison Group

  • Developing pre deliquency warning capability
  • Building customer view to segment actions
  • Leveraging legal and agency
  • Aggressively optimising collection costs

    David Birch

    David Birch, Director, Consult Hyperian

  • How secure is electronic commerce?
  • Will payment cards dominate or are other technologies coming along?
  • Secure value and secure identity transfers
  • Understanding the real risks and the way forward
  • Case studies and some early experiences
  • 12:40 Lunch

    14:00 CASE STUDY

    Brigitte D’Heygre

    Brigitte D’Heygre, Senior Bank Cards Product Manager, Schlumberger

  • Presentation of the EMV credit and debit cards’ strengths
  • Shape your cards according to the targetted market and environmental risks
  • Increasing banks’ market share while reducing the risk

    Paul Eagle

    Paul Eagle, Business Support Specialist, Financial Solutions, HNC Software

  • How to use predictive software to manage your card or retail banking portfolio in the dimension of profitability
  • Maximising the value of your existing customer relationships as the surest route to sustained profitability
  • Designing relevant and differentiated customer value propositions that are key to the success and survival of your organisation
  • Leveraging the value of detailed customer transaction and text data
  • Arming your organisation with the strategic insights that you need to survive and prosper
  • 15:20 Afternoon Tea

    16:00 CASE STUDY

    Chris Winter

    Chris Winter, Senior Manager Debit Products, Visa EU

  • The role of Visa in the global market
  • Managing risk through segmentation of the customer base
  • Visa’s CHIP strategy, enabling better management of risk

    Clive Thorne

    Clive Thorne, Partner, Denton Hall

  • E-commerce directive and UK law
  • Jurisdictional issues
  • Criminal liabilities
  • Comparative situation in the United Kingdom, European countries, USA and Australia
  • 17:00 Chairman’s Closing Remarks and Close of Day One

    8:30 Re-registration and Coffee

    9:00 Chairman's Opening Remarks

    Richard Spencer

    Richard Spencer, Manager, Datamonitor

    9:10 GLOBAL RISK

    Jeff Bernstein

    Jeff Bernstein, President, Acadia Consulting Group

  • Focusing increasing attention on the proliferation of scoring tools available for managing portfolio risk
  • Leading-edge strategies and techniques for integrating global risk tools into collections
  • The latest in predictive dialer and production strategies
  • The use of graphical user interfaces to drive risk-focused, dynamic strategies
  • Enhancing the interaction between collectors and your customer
  • How smaller companies can receive similar results on a tighter budget

    Robert Littas

    Robert Littas, Senior Vice President, Risk Management and Security, Visa International

  • The complex technicalities of Internet fraud prevention, detection and investigation
  • The latest advancements in Internet fraud management
  • Incorporating a Neural network system to accurately identify the profitability of fraud

    Donimic Swan

    Donimic Swan, Senior Vice President, Moody’s Investor Services

  • What is securitisation and how does it relate to the UK card market?
  • A typical credit card structure and it’s implications for risk management
  • The role of a credit rating agency in card portfolios
  • Why do companies securitise and what is involved in the process?
  • The effect of securitisation on the credit card industry and individual issuers
  • Predictions for the future role of securitisation in the payment cards industry
  • 11:00 Morning Coffee


    Gerard Geurtjens

    Gerard Geurtjens, Senior Vice President, ABN AMRO Bank

  • ABN AMRO Bank, with more than 1000 branches in the Netherlands and a large global network, is installing a credit scoring system to achieve ‘state of the art risk management’ for consumer banking as process departments, mainframe systems and front and back office applications have to be matched
  • Project Manager Gerard Geurtjens discusses the obstacles and their solutions

    Bernd Zugenbuhler

    Bernd Zugenbuhler, Director of Credit Risk Management, Dresdner Bank

  • How to evaluate the risk
  • How to calculate the expected loss and the expected return
  • Potentials of securitization techniques
  • 12:40 Lunch


    Stephen Denby

    Stephen Denby, Business Development Director, Experian

  • Using data to set decisioning criteria
  • Defining profitable segments
  • Optimising risk and reward
  • Building a framework for customer oriented portfolio management
  • Actioning data driven strategies

    Mark Barnett

    Mark Barnett, Executive Consultant, KPMG

  • Relationship between consumer credit and the business cycle
  • Impact of a downturn in the cycle on the credit card business
  • What can card issuers do to manage the effects of fluctuations in the cycle
  • Economic uncertainty and an integrated approach to credit risk management
  • 15:20 Afternoon Tea


    David Sear

    David Sear, European Director Cheque Services, Equifax

  • Definition of cardholder not present fraud and the rapid growth of home shopping
  • Current ad projected future scale of CNP fraud and internet security
  • Elements in the solution and the role of each player: issuer, acquirer, retailer
  • Analysis of the latest information-based techniques being used to identify and eliminate potential fraud
  • Negative and positive files and behavioural modelling
  • Implications for the retailer and consumer, guarantees of payment and dispute handling
  • 16:20 Chairman's Closing Remarks and Close of Conference


    The Regents Park Hilton

    18 Lodge Road
    St Johns Wood
    London NW8 7JT
    United Kingdom

    The Regents Park Hilton



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    CPD stands for Continuing Professional Development’. It is essentially a philosophy, which maintains that in order to be effective, learning should be organised and structured. The most common definition is:

    ‘A commitment to structured skills and knowledge enhancement for Personal or Professional competence’

    CPD is a common requirement of individual membership with professional bodies and Institutes. Increasingly, employers also expect their staff to undertake regular CPD activities.

    Undertaken over a period of time, CPD ensures that educational qualifications do not become obsolete, and allows for best practice and professional standards to be upheld.

    CPD can be undertaken through a variety of learning activities including instructor led training courses, seminars and conferences, e:learning modules or structured reading.


    There are approximately 470 institutes in the UK across all industry sectors, with a collective membership of circa 4 million professionals, and they all expect their members to undertake CPD.

    For some institutes undertaking CPD is mandatory e.g. accountancy and law, and linked to a licence to practice, for others it’s obligatory. By ensuring that their members undertake CPD, the professional bodies seek to ensure that professional standards, legislative awareness and ethical practices are maintained.

    CPD Schemes often run over the period of a year and the institutes generally provide online tools for their members to record and reflect on their CPD activities.


    Professional bodies and Institutes CPD schemes are either structured as ‘Input’ or ‘Output’ based.

    ‘Input’ based schemes list a precise number of CPD hours that individuals must achieve within a given time period. These schemes can also use different ‘currencies’ such as points, merits, units or credits, where an individual must accumulate the number required. These currencies are usually based on time i.e. 1 CPD point = 1 hour of learning.

    ‘Output’ based schemes are learner centred. They require individuals to set learning goals that align to professional competencies, or personal development objectives. These schemes also list different ways to achieve the learning goals e.g. training courses, seminars or e:learning, which enables an individual to complete their CPD through their preferred mode of learning.

    The majority of Input and Output based schemes actively encourage individuals to seek appropriate CPD activities independently.

    As a formal provider of CPD certified activities, SMI Group can provide an indication of the learning benefit gained and the typical completion. However, it is ultimately the responsibility of the delegate to evaluate their learning, and record it correctly in line with their professional body’s or employers requirements.


    Increasingly, international and emerging markets are ‘professionalising’ their workforces and looking to the UK to benchmark educational standards. The undertaking of CPD is now increasingly expected of any individual employed within today’s global marketplace.

    CPD Certificates

    We can provide a certificate for all our accredited events. To request a CPD certificate for a conference , workshop, master classes you have attended please email events@smi-online.co.uk

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