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AsiaPacific Update
Canada Update
United States Update
Committee Updates
AsiaPacific Update:
Welcome New Members
- Excalibur ATM Bank Bolts
- Business Smart Solution
- Strategic Payment Services Pty Ltd
- My ATM P/L
- ANZ Limited
- Data Dot Technology
Update on Gas Attacks
According to our records approximately 15 gas attacks have occurred in NSW between March and May 09. The majority of these attacks have been unsuccessful, however the cost to surrounding business has been insurmountable.
ATMIA continues to support Strike Force Piccadilly II in its effort to combat these crimes from occurring and will continue to keep our members informed of any vital information.
The NSW Police has announced in May 09 that they will double the reward to $200,000 to anyone that can provide the NSW Police with information relating to these attacks on ATMs.
Joint ATM Working Group
ATMIA has been involved with the joint ATM working group which comprised of Banks, Cash in transit, NSW Police and other Associations. This working group has been involved with the establishment of the NSW ATM Security Guideline Lines. This document is scheduled to be completed sometime in June and ATMIA will forward a copy of this document to all members once everything has been finalised.
A June Teleconference for ATMIA Members Date TBA.
The Agenda will Include Topics such as:
- Update on ATMIA initiatives
- Hong Kong conference
- ATM Gas attacks
- ATM Security guidelines
- Thinking ahead to 5 year plan 2010-2014
Canada Update:
ATMIA Canada Board and Member Meeting – Round Table Discussion
Day/Date: Tuesday, June 9 2009
Time: 3 p.m. to 5 p.m. Eastern
Place: Marriott Toronto Airport, Toronto Canada, Quebec Room
PRESENT:
Mike Repas, Cashline Inc.
Darren Laurat, HM Cash
Carlos Siewczynski, Nautilus Hyosung
Scott Wilken, TBS Cash
Bill Dunn, Tranax
Vern McLean, Triton
Mack Erno, Jade Cash
Mike Weeks, Jade Cash
Ken Nichols, Cash-N-Go
Darrin Garbutt, Threshold Financial Technologies
Chris Chandler, EZEE ATM/Access Cash
Peter Zoumboulakis, Open Solutions
Sandra Hartfield, US Bank
Consultant Mike Lee, CEO, ATMIA
Sharon Lane, Global Director Finance and Member Services, ATMIA
MINUTES:
- Introduction – Sandra Hartfield, ATMIA Executive Board Chairperson, and Mike Lee, CEO, welcomed attendees to a Canadian members’ roundtable discussion aimed at finding the top industry issues facing members and deciding on ways of working
together in Canada.
- Welcome of new ATMIA Canada Members – Sharon welcomed five new members, ATM Instant Cash, Calypso, A Transaction Network Services Company, CashCom ATM Systems, Inc. and Thunder Bay Sales (TBS).
- Update on ATMIA Canada
Sandra shared that we need to work together on issues such as AML requirements fighting battles as they occur, building trust with Interac and sharing vital industry information with our ATMIA Canada Members.
- Roundtable Discussion – ‘What can ATMIA do to support your members our members in Canada in the coming year?’
A forthright and open-hearted discussion followed on finding the best way forward for ATMIA Canada.
In response to Chris’s question about the purpose and mission of ATMIA Canada, Mike explained that every chapter had to fulfill its global mission statement: “As an independent, non-profit trade association, our mission is: to promote ATM convenience, growth and usage worldwide; to protect the ATM industry's assets, interests, good name and public trust; and to provide education, best practices, political voice and networking opportunities for member organizations.” However, the members in each chapter had to advise ATMIA on HOWbest to achieve that mission in that region with its special and distinctive marketplace. If ATMIA fails to live out its mission in Canada, it will find out how to rectify that failing. If we can identify the top five current industry issues facing ATMIA Canada members, the association will gain focus in its support of the
industry. It was concluded that regulations differ in each chapter, calling for a unique approach in handling them.
It was decided that ATMIA Canada needs something of a re-launch, with a fresh message and added value that will attract new members. A new approach to Interac is also needed.
Highlights and Action Items:
- AML Issues
ATMIA will work with Interac to complete the work already done by ATMIA Canada on anti money laundering. Note: Sharon has made contact with Kevin Rieschi and they would be very happy to provide us materials and information to share with our members regarding the various guidelines, rules, etc. that they implemented.
ACTION: Sharon will report back in more detail in the next 30 to 45 days with links, etc.
- Market Research
It was decided that market research is needed by our members in Canada to understand its dynamics and opportunities better.
ACTION: ATMIA will approach local or regional research groups to seek a partnership for supplying members with market information.
- Build ATMIA Canada Board
It was concluded we need to build an active Canadian Board and ask Board members to assist ATMIA in growing the chapter.
ACTION: Ask the current and new Board Members to elect officers to run the Board, with assistance from Mike Lee, CEO and Sharon Lane of ATMIA.
- Member Incentive Plan
Sharon presented her latest Member Incentive Plan. It was decided that the members would prefer to receive a gift certificate to provide to their customers to encourage their support of ATMIA.
ACTION: Sharon will create a sample letter for members to use, as well as a gift certificate.
Sandra thanked members for their valuable input and informed them that a plan of action would be returned to each attendee for their input – before implementing within the next 45 days or by July 31st 2009.
Respectfully submitted,
Sharon Lane
ATMIA
Global Director Finance and Member Services
United States Update:
- Legislative Monitoring: ATM DUE DILIGENCE (GENERAL), ATM FEES/NOTIFICATION/DISCLOSURE
New York A.B. 8439
Companion Bill: 2009 S.B. 5433
Summary: Establishes a rating system to be posted on automated teller machines that will allow consumers to ascertain the cost of a withdrawal according to the lettered designation.
(To learn more about them please visit our regulatory monitoring portals)
- ATM Due Diligence
The following bills prohibit the locating of ATMs in video lottery establishments
WEST VIRGINIA H.B. 2351
WEST VIRGINIA S.B. 101
Status: Introduced and referred to Senate Banking and Insurance Committee and Senate Judiciary Committee February 11, 2009. Failed to meet legislative deadline March 27. Failed upon adjournment May 31.
(To learn more about them please visit our regulatory monitoring portals)
- ATM Fees/Notification/Disclosure
The following bill is being introduced to establish a rating system to be posted on automated teller machines that will allow consumers to ascertain the cost of a withdrawal according to the lettered designation.
NEW YORK S.B. 5433
(To learn more about them please visit our regulatory monitoring portals)
- ATM Licensing
The following bill was introduced to regulate the operation of automated teller machines by entities other than banking institutions.
NEW YORK S.B. 4979
(To learn more about them please visit our regulatory monitoring portals)
- EFTA Legislative Alert - Interchange Pricing
Yesterday, House Judiciary Committee Chairman John Conyers (D-MI) reintroduced legislation (H.R. 2695) to regulate interchange pricing. The text of the bill is linked here:
http://judiciary.house.gov/hearings/pdf/HRConyersShuster.pdf
Chairman Conyers made changes to his bill from the last Congress (H.R. 5546), but the intent to provide merchants with greater leverage in negotiations remains unchanged. The three anti-trust judge panel, stricken from H.R. 5546 last year during committee markup, is not included in H.R. 2695. Under the current Conyers’ bill, the top 10 issuers and merchants must disclose certain information to the U.S. Attorney General (e.g., issuers must provide “…an itemized list of the costs necessary to provide the covered electronic payment system that were incurred by the person during the most recent full calendar year before the initiation of the negotiation”). H.R. 2695 would become effective upon enactment.
At this writing, it is uncertain whether Chairman Conyers will attempt to report H.R. 2695 this summer while the GAO is conducting its interchange study as part of the credit card law. As you may recall, the GAO study is due at year’s end. You may also recall House Financial Services Committee Chairman Barney Frank (D-MA) asked Speaker Pelosi for a referral of H.R. 5546 last year. The bottom line here is the remainder of 2009 will see more Congressional jostling on interchange, but the decks could be cleared in 2010 for serious action.
To view the entire article please view it at: http://atmia.com/unitedstates/NewsDetail7.cfm?ID=0,1207
Denomination Fraud Committee
Wednesday June 17 2009
Attendees
George Mahn, Innovus
Kendall Harsch, Metapay
Bill Dunn, Tranax
Steven Gernes, US Bank
Mike Lee, ATMIA
Minutes of June 17 Teleconference
- Welcome and minutes of February 17th teleconference
Mike welcomed attendees to the 2nd teleconference of the Denomination Fraud committee in 2009. The minutes of the previous teleconference on February 17 were accepted without changes.
- Update on incidences reported of denomination fraud
It was unanimously agreed that denomination fraud has slowed down considerably since the industry, including manufacturers, processors and deployers, got together to address the problem head-on. Software changes and best practices have reduced the opportunities and frequency of this kind of fraud.
It was agreed this is an excellent success story for the industry. It was decided to put this committee work on the back burner and convene a teleconference if there are any new incidents of denomination fraud.
Mike also invited all committee members to contact him at mike@atmia.com if they wish to join the Anti Skimming Forum or the ATM Software security committee.
He thanked the committee for their successful and effective collective efforts.
- Next 2009 Teleconference: September 1, 2009 at 11.00 am EST
Government Relations Committee (GRC)
28th May 2009
Minutes
1. Welcome and minutes of previous teleconference
Mike welcomed all attendees and thanked them for their time. The last minutes posted on the GRC portal were from October 22 (which have already been approved) and there were no minutes from GRC discussions which took place in February.
2. Update on regulatory issues on the industry radar screen – Mike Keller
Mike Keller reported that of the ten items being tracked in this session in New York, only two have a chance of passage and both raised some concerns.
2.1. ATM Rating System
This scheme would require an operator to rate each ATM as A,B,C or D depending on the level of surcharge being charged there and to identify which one it is with a sticker. Mike K said this bill was being monitored closely. Mike Lee said ATMIA could write a position paper on this concept if need be.
NEW YORK A.B. 8439 - ATM DUE DILIGENCE (GENERAL), ATM FEES/NOTIFICATION/DISCLOSURE
Sponsor: Assemblymember Darryl Towns (D)
Summary: Establishes a rating system to be posted on automated teller machines that will allow consumers to ascertain the cost of a withdrawal according to the lettered designation.
http://www.assembly.state.ny.us/leg/?bn=A08439&sh=t
Status: Introduced and referred to Assembly Banks Committee May 20, 2009.
Outlook: The sponsor is a member of the majority party and is Chair of the committee of referral. This bill has majority sponsored companion legislation. Majority sponsored companion legislation is considered important to moving bills through the legislative process.
Companion Bill: 2009 S.B. 5433
2.2. Emergency Reverse PIN line & Camera Surveillance
Mike K reported that this bill would require a dedicated 911 emergency line based on the use of the reversal emergency PIN. He said we are fighting this one hard. Mike L mentioned ATMIA already had a position paper criticizing the idea of a 911 reverse PIN program.
3. “Desktop” lobbying – Mike Keller
Mike Keller also encouraged members of the GRC to build up relations with state representatives, house representatives and representatives from the local senator’s office, in their respective states, by phoning them to invite them to visit their business and learn about the ATM industry and all the good it does for the community. Mike L said he would attach to the minutes a white paper on the many socio-economic benefits of ATMs which committee members can refer to for text and ideas when talking to the legislators and government representatives. This would stand the ATM industry in good stead for future lobbying at state and federal level. It was decided this was an excellent suggestion and all GRC members were encouraged to do this.
Pat raised the issue of some operators potentially being sued for not having a fee notice on the terminal as required by Reg E. This was happening in New York. GRC members were encouraged to check the correct fee notices were displayed on all machines.
Lloyd mentioned the issue of some journal records not being truncated on some old ATM models. Bill stated that PAN suppression predated Tripe DES and that machines running Triple DES software should have truncated journals. This issue will be followed up confidentially within the GRC.
4. Update on ATMIA initiatives – Mike Lee
4.1. ATMIA & EFTA
Mike L said an agreement has been signed to form an alliance between ATMIA and EFTA which will include making EFTA regulatory updates being made available to ATMIA members as well as opportunities for joint lobbying at the highest governmental level. It was thought this collaboration would add value to the GRC’s existing regulatory monitoring.
The following was the most recent EFTA legislative alert, including details of credit card reform legislation being discussed by the new US administration:
To: EFTA Members
From: Dennis Ambach, Legislative & Regulatory Council Chairman
Kurt Helwig, President & CEO
Date: May 15, 2009
Re: Legislative Alert
Credit card reform legislation was debated all week on the Floor of the U.S. Senate. The Senate expects to complete action by Tuesday or Wednesday of next week. As you probably know, President Obama is asking Congress to send him a bill that he can sign into law by Memorial Day. The House and Senate will be challenged to reconcile differences between to the two measures by the end of next week.
The Senate’s credit card reform bill remains a work in progress even at this writing. Senators have filed more than 60 amendments, but only a few have seen any real debate and votes. The Senate defeated an amendment offered by Sen. David Vitter (R-LA) that sought additional “know your customer” rulemaking to prevent illegal aliens from receiving credit cards. On procedural grounds, the Senate voted down a proposal by Sen. Bernie Sanders (I-VT) to institute a national usury rate cap of 15 percent.
Senate Banking Committee Chairman Chris Dodd (D-CT) and the ranking member, Sen. Richard Shelby (R-AL), will work over the next several days to accept, reject or modify many amendments prior to resuming Floor consideration. EFTA is monitoring progress on the following important issues:
- Language affecting open-loop prepaid cards remains in the bill. As you know, EFTA penned a letter to the Senate in opposition to the prepaid card amendment (http://www.efta.org/currentissues/
5-07-09DoddLetter%20wol.pdf). Sen. Charles Schumer (D-NY), the amendment’s author, supported some minor modifications. However, it remains largely unacceptable to those in the open-loop prepaid space. Opponents continue to negotiate with Sen. Schumer, his staff and the Banking Committee staff.
- With respect to interchange, the current Senate bill calls for a Government Accountability Office (GAO) study. Sens. Richard Durbin (D-IL) and Christopher Bond (R-MO) filed an amendment (#1100) that would effectively end interchange pricing associated with debit cards. Chairman Dodd expressed sympathy for the Durbin/Bond amendment but wants to address interchange as a separate issue after the GAO report has been conducted.
- Sen. Dianne Feinstein (D-CA) and Sen. Judd Gregg (R-NH) filed amendment (#1080) to ask the Federal Trade Commission (FTC) to study reverse PIN technology for ATMs. The purpose of the technology is to alert law enforcement that a criminal act is taking place during a transaction at the ATM. The patent owner of this technology has attempted to get state legislatures to adopt laws requiring ATMs to have this capability (Illinois actually did pass a law a few years but repealed it before it took effect). In a letter (see below) EFTA requested Sen. Feinstein to modify her amendment by adding the Federal Reserve Board to study the issue with the FTC.
- Also on the ATM front, Sen. Tom Udall (D-NM) has an amendment (#1098) to require more conspicuous disclosure of all ATM-related fees on monthly bank statements. It is unclear whether this amendment will be offered or accepted.
- In a previous update, we mentioned a recent Senate Homeland Security Committee hearing on U.S. border issues with Mexico (drugs, guns and kidnapping to name a few) where prepaid cards and money laundering were also cited as a major concern. Committee Chairman Joe Lieberman (I-CT) and ranking member Susan Collins (R-ME) are offering an amendment (#1107) that seeks to treat prepaid cards as cash as a monetary instrument. The implications of this amendment are still under review. We will keep you apprised of any changes.
If Congress adheres to President Obama’s Memorial Day deadline for a final credit card bill, it is difficult to predict the contents of the final work product. As you may recall, the House bill does not vary greatly from the FRB rules taking effect next July. The Senate bill is stronger from a reform perspective and continues to be a moving target. In the haste to get an agreement by Memorial Day, we ought to hope against waste.
4.2. PCI ATM
Mike L said there was good material on the new PCI standard for ATMs available on the ATM software security portal – committee members were welcome to join that committee and get a password to use the portal. It includes PowerPoint presentations and a podcast with Visa and Diebold. ATMIA has joined the PCI Council as a participating organization and will receive the draft standard for comment in the June-July period. Members wishing to join ATMIA in providing feedback on the draft standard should contact Mike at mike@atmia.com – this was a chance to be proactive and to shape the standard.
4.3. ATM software security best practices
Mike shared the first draft of new best practices for ATM software security had been drafted and would be published before the end of June.
4.4. Anti skimming forum
ATMIA has formed an international anti skimming forum to write best practices to prevent skimming, the number one ATM crime worldwide.
4.5. ATMIA Consulting & Training
ATMIA is setting up a new service to the industry – a group of approved consultants with diverse areas of expertise and proven track records in the industry. This will operate on an outsourced model in each chapter of the association.
4.6 . Certification phase 2
A committee had been set up to discuss a certification and training program for the ATM industry for ATM operators. If you wish to give input on the criteria for certification and industry training of ATM operators, please email Mike at mike@atmia.com.
4.7. Electronic Payments Forum
Mike said the Debit Council has been renamed the EPF and will focus on building an online financial services news and information portal covering multiple delivery channels, of which ATMs are but one.
5. Final Points
The GRC was reminded of the 50 state compliance portal at http://www.atmia.com/mig/regulatorymonitoring/
usstatecomplianceportal/index.cfm
This can be located under Committee portals on the US site. Committee members can also access the Stateside Associates portal at http://www.stateside.com/iStateLink/login.asp
Mike said he wanted to acknowledge the excellent foundational work carried out by Lana and leaders of the GRC. He said the GRC should continue to be vigilant and proactive.
Stateside regulatory updates will be placed on the US news ticker as they are received by ATMIA and summaries will be sent to members at the end of every second week.
6. Next 2009 Teleconference: August 26, 2009 at 11.00 am EST
Appendix: Stateside Associates Regulatory Summary for end May
This Week in the States
For the Week of May 25, 2009
The following state legislatures are actively meeting this week: ARIZONA, CALIFORNIA, CONNECTICUT, ILLINOIS, LOUISIANA, MAINE, MASSACHUSETTS, MICHIGAN, NEBRASKA, NEVADA, NEW HAMPSHIRE, NEW JERSEY, NEW YORK, NORTH CAROLINA, OHIO, OKLAHOMA, OREGON, PENNSYLVANIA, RHODE ISLAND, TENNESSEE, TEXAS and WISCONSIN
For the most current information on Governors, Partisan Splits and the 2009 Legislative Sessions, go to: http://www.stateside.com/thefiftystates/index.shtml
GROUPS
The National Conference of State Legislatures will hold its Spring Executive Meeting May 28-30 in Raleigh, North Carolina. Michael Behm at mjb@stateside.com
The Republican Attorneys General Association will hold its Summer National Meeting May 31-June 2 in Williamsburg, Virginia. Connie Campanella at cc@stateside.com
CALIFORNIA
The Senate Appropriations Committee will meet May 26 to discuss S.B. 195, which requires a postsecondary educational institution to provide assurance that each program and activity conducted by the institution will be conducted in compliance with applicable provisions of federal law prohibiting discrimination on the basis of sex. Megan Stokes at mem@stateside.com
The Senate Appropriations Committee will meet May 26 to discuss S.B. 17, which requires the Public Utilities Commission to determine the requirements for a smart grid deployment plan. Anastasia Feaster at arf@stateside.com
The Assembly Appropriations Committee will meet May 28 to discuss A.B. 1028, which provides for a tax exemption on renewable energy power systems. Sarah Mysiewicz at sem@stateside.com
The State Water Resources Board will meet May 29 to discuss the final draft of the Urban Water Conservation Plan. Melissa Farmer at mpf@stateside.com
DELAWARE
The Joint Finance Committee will meet for a budget markup session May 26-28. Max Behlke at mrb@stateside.com
FLORIDA
The Southwest Florida Water Management District will accept comments until May 29 on draft amendments to rules concerning water use permits. Becky Lukaesko at bml@stateside.com
ILLINOIS
The House Environment and Energy Committee will meet May 27 to discuss S.J.R. 36, which urges the General Assembly to consider environmental issues when crafting a capital construction bill. Thomas Doyle at ted@stateside.com
LOUISIANA
The House Committee on Administration of Criminal Justice will hold a hearing May 27 on H.B. 29, which creates the crime of making unnecessary and excessive noise in a quiet zone. Alison Gary at akg@stateside.com
The House Governmental Affairs Committee will meet May 27 to discuss H.B. 762, which provides for an exception to the public records law for information and documents held by district attorneys, sheriffs, police departments or other law enforcement agencies which pertain to an internal affairs investigation of a law enforcement officer. Andrew Linhardt at anl@stateside.com
MASSACHUSETTS
The Joint Committee on Municipalities and Regional Government will meet May 26 to discuss S.B. 783, which establishes the Community Planning Act to enhance and modernize the regulatory tools for municipal zoning, subdivision control and planning to guide local growth. Carly Froshour at cf@stateside.com
The Joint Committee on Financial Services will meet May 27 to discuss H.B. 887, which authorizes collection agencies to accept assignments of indebtedness and bring suit as the party seeking damages, except when agreements with debtors prohibit such action. Andrew Linhardt at anl@stateside.com
MICHIGAN
The House Intergovernmental and Regional Affairs Committee will meet May 26 to hear a presentation from the Michigan State University Land Policy Institution regarding transit coordination and land use. Jessica Hart at jwh@stateside.com
MISSOURI
The Legislature is scheduled to adjourn sine die May 30. Carly Simpson at cms@stateside.com
NEBRASKA
The Executive Board will meet May 26 to discuss L.R. 224, which creates the Budget Reform Task Force. Anastasia Feaster at arf@stateside.com
NEW YORK
The Senate Codes Committee will meet May 26 to discuss S.B. 2068, which requires home improvement contractors to be licensed by any municipality in which work is performed. Jarrod Bottomley at jdb@stateside.com
The Senate Health Committee will hold a hearing May 26 on S.B. 3117, which establishes mandatory minimum Medicaid coverage for hospital confinement for childbirth. Max Behlke at mrb@stateside.com
The Senate Codes Committee will hold a hearing May 27 to discuss S.B. 47, which prohibits credit card issuers from increasing interest rates or imposing fees upon accounts of holders based on indebtedness or late payments to other creditors. Shawn Swearingen at sjs@stateside.com
NORTH CAROLINA
The Senate Judiciary II Committee will hold a hearing May 26 to discuss H.B. 686, which revises notice requirements for protections for telephone subscribers who wish to stop unwanted telephone solicitations and for consumers who enter into transactions. Shawn Swearingen at sjs@stateside.com
The House Health Committee will hold a public hearing May 26 on H.B. 1402, which establishes the Cover North Carolina Health Care Access Program for uninsured individuals and their dependents. Carly Simpson at cms@stateside.com
The House Committee on Wildlife Resources will hold a public hearing May 27 to discuss S.B. 43, which provides that no person shall operate a vessel with 10 horsepower or more without completing a course in boater safety education. John Grant at jhg@stateside.com
The House Committee on Finance will hold a public hearing May 27 to discuss S.B. 584, which amends provisions relating to the licensure of those providing private protective services. John Grant at jhg@stateside.com
OHIO
The House Agriculture and Natural Resources Committee will meet May 27 to discuss H.B. 124, which establishes licensing requirements and standards of care for certain dog breeding kennels, dog intermediaries and animal rescues for dogs. Sarah Mysiewicz at sem@stateside.com
OKLAHOMA
The Legislature is scheduled to adjourn sine die May 29. Max Behlke at mrb@stateside.com
OREGON
The Senate Judiciary Committee will hold a public hearing and work session May 26 on H.B. 2604, which requires covered entities to report annually on system safeguards for protecting confidentiality of individually identifiable health information. Shawn Swearingen at sjs@stateside.com
The Senate Health Care and Veterans’ Affairs Committee will meet May 26 to discuss H.B. 2589, which requires health benefit plans to provide specified coverage for hearing aids to enrollees under 18 years of age. Sean Lansing at srl@stateside.com
The Joint Ways and Means Committee’s Subcommittee on Natural Resources will meet May 26 to hear H.B. 2223, which increases the boat license fees to $125 for residents and $350 for non residents. Peter Rankin at pcr@stateside.com
RHODE ISLAND
The House Finance Committee will meet May 26 to discuss H.B. 5782, which defines the meaning of a manufactured biodiesel fuel with regard to the state motor fuel tax. Thomas Doyle at ted@stateside.com
TENNESSEE
The Division of Medical Services will hold a public hearing May 27 to discuss proposed amendments to its Medicaid rules, including updates to coverage of the categorically needy. David Kennedy at dak@stateside.com
The Senate Judiciary Committee will meet May 27 to discuss S.B. 812, which requires applicants to possess at least two years experience in law enforcement and pass a state examination to be licensed as a private investigator. Craig Orlan at cso@stateside.com
TEXAS
The Health and Human Services Commission will hold a public hearing May 27 to discuss a proposed amendment to the reimbursement methodology for the Home and Community-based Services waiver program. Robert Axelrod at ra@stateside.com
WASHINGTON
The Department of Ecology’s Rule Advisory Committee will meet May 29 to continue the discussions on the development of a Greenhouse Gas Reporting Rule. Bonnie Kaufman at brk@stateside.com
WISCONSIN
The Assembly Committee on Jobs, the Economy and Small Business will hold an executive session May 26 to discuss A.B. 205, which extends the eligibility for the deduction for energy efficient commercial buildings to property placed in service no later than December 31, 2013. John Grant at jhg@stateside.co
The Assembly Committee on Criminal Justice will hold a public hearing May 28 to discuss A.B. 241, which provides for revisions in the law relating to retail theft and requires a person selling certain merchandise at a flea market or similar facility to have proof that the person owns the merchandise. John Grant at jhg@stateside.com
Global Member Board
Minutes – Teleconference – 2009- 2
Thursday 11 June, 2009
- Welcome and minutes of last teleconference on 18 March 2009
Mike welcomed members of the Global Member Board to our 2nd teleconference of 2009. The minutes of the previous conference call of 18 March were accepted without changes.
He invited interested GMB members to join the new Anti Skimming Forum to help combat the most damaging global ATM crime.
Mike mentioned that the ATM Toolkit best practices have been published- copies are available for members.
He also said ATMIA was now building its new Consulting and Training practice – see http://www.atmia.com/consultingtrainingportal/.
- Criteria for International ATM Operators Certification Programme
A major new project for ATMIA is developing its certification programme to create a training curriculum for Certified ATM Professionals covering bank ATMs and off-premise ATM owners/operators.
A certification committee has drafted a suggested curriculum for an online training course (see outline below). We are seeking feedback from members on what aspects of the ATM business and lifecycle should be covered in the certification programme.
We also need to decide if it is going to be compulsory for all ATMIA members to attain the professional certification. ATMIA will be working with Bankers’ Academy to create the online training.
Certified ATM Professional : Draft Curriculum
Section 1 – The ATM Industry
• History and evolution of ATMs and ATM Networks
• Glossary of key ATM terms
• How an ATM and ATM Network Works (how the transaction and authorization flow works)
• Network governance
• ATM Hardware and Software components
• Communication and telecom systems for ATMs
• Compliance / Regulatory issues (including ADA, Reg E, etc.)
• Audit requirements (PCI, PIN, AML, etc.)
Section 2 - The ATM Market
• Market research of international trends
- Overview of Global ATM Market and Forecasts
- Global Fraud Trends
- ATM Functionality Around the World
Section 3 – The ATM Practice
• Site selection, placement, signage, and branding considerations – including aligning ATM functionality with the site
• ATM lifecycle security best practices
• Disaster Recovery best practices
Section 4 - The ATM Business
• The Business of ATMs – expenses, interchange, surcharge, revenue opportunities and trends, determining profitability
• ATM Balancing & Accounting
• Advanced day-to-day operations
• 1st line and 2nd line maintenance and basic ATM problem resolution and maintenance – including vendor management
• Cash handling and cash management
The next committee meeting is on 21 July – please let Mike know if you wish to join it.
In reply to a question from Sharon, Mike stated that the new certification programme could be piloted in each chapter by selecting members to go through the online training course and provide feedback on its efficacy.
- 5 year mission 2010-2014 – barriers to growth and opportunities for innovation
Mike said that ATMIA had adopted a One Year Bridge Plan for 2009 in response to the global credit and banking crisis, postponing the development of a new 5 year plan. This had included some restructuring which was now complete. It was therefore time to put together a 5 year business plan for 2010-2014.
He said ATMIA holds up its mission statement as a mirror to check if the association is doing what it is called to do.
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Mission Statement of ATMIA
As an independent, non-profit trade association, our mission is: to promote ATM convenience, growth and usage worldwide; to protect the ATM industry's assets, interests, good name and public trust; and to provide education, best practices, political voice and networking opportunities for member organizations.
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The theme of the next 5 year plan is: ”Mission Possible 2014: Empowering Innovation and Overcoming Barriers to Growth”. We want to deepen our involvement with member and industry issues in the next years.
Mike asked members of the GMG to share with him what they regarded as their greatest challenges or obstacles in the way of ATM growth. Please jot down these challenges in the text box provided next to your chapter and send to mike@atmia.com.
ATM Security Software Committee Meeting
Wednesday 17 June 2009
Minutes of 5th 2009 Teleconference
Devereux, Terence, Wincor-Nixdorf
Gandhi, Kiran, Magtek
Kidd, Avril, NCR
Kohl, Susan, ThoughtKey
Kulik, Peter Fifth Third Processing
Lee, Mike, ATMIA
Marwaha, Gaurav Checkpoint
McGinley, Joe, Diebold
Telford, Pat, Microsoft
- Welcome and minutes of 23rd April teleconference
Mike welcomed attendees to the 5th teleconference of 2009. The minutes of the previous teleconference on 23rd April were accepted without changes.
- PCI ATM news
Mike shared that ATMIA is now registered as a PCI Participating Organization and will receive the draft PCI ATM standard for comment. Joe will find out if this will be in July as originally envisaged.
- Review of final draft of ATM Software Best Practices
Peter reported he has been impressed by the depth of content and thought shown by the contributing authors of the manual.
It was decided that Peter will incorporate the latest changes, including the points raised by Pat, and then send that version early next week to the whole committee to read and provide with final detailed feedback by July 3.
At the same time, Mike will draft a Checklist of Recommendations for the end of the manual to list all our major recommendations from the best practices (those actions which we recommend users “should” do). This Checklist was suggested by Pat. Mike will send the draft checklist to the whole committee for feedback by July 3.
Peter will then integrate final feedback and the Checklist and send this complete version to the formatting editor to format the book. This formatted version will constitute the signing-off version which will be distributed to the whole committee for a final signing off.
Peter requests all committee members who provide feedback to copy the whole committee so that it is possible to look for consensus on those changes being incorporated into the manual.
It was decided that the manual should state that anti-virus protection can complement the ATM software environment even where there is a firewall. We do not want to run counter to PCI recommendations in the manual.
It was concluded we should include select banks in reading the best practice manual once it is published and to incorporate their feedback into a Version 2, along with any changes needed after we conduct a gap analysis between PCI ATM and our best practices.
The committee agreed with Susan that it will be vital to correctly position the best practice manual in the context of PCI when it is published and to mention the intended gap analysis. It should be clearly stated that the book contains recommendations, not standards.
- Two focus areas for committee
It was decided the committee will focus on completing the best practice manual followed by collecting feedback and material for Version 2 in the ensuing months.
In addition, it will continue to monitor the development of the PCI ATM standard.
- Next steps
- Joe will find out the draft PCI ATM will be published in July as originally envisaged
- Peter will incorporate latest changes, including Pat’s, and send that version early next week to the whole committee to read and provide with final detailed feedback by July 3
- Mike will draft a Checklist of Recommendations and send it to the whole committee for feedback by July 3
- Peter will then integrate final feedback and the checklist and send this complete version to the formatting editor to format the book
- The formatted, signing-off version will be distributed to the committee for signing off
- The committee will collect feedback for Version 2 once PCI ATM has been finalized and a gap analysis has been carried out
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- Next teleconference: July 29, 2009 at 10 am EST
Anti Skimming Forum
Thursday 18th June 2009
Minutes of 2nd Teleconference
- Welcome & minutes of 1st teleconference on 7 May 2009
Mike welcomed attendees to the 2nd teleconference of the Anti Skimming Forum. The minutes of the 1st teleconference on 7 May were accepted without changes.
He mentioned that George had sent through a news story on the Melbourne skimming incident (occurred March 2009) which has resulted in 10,000 accounts being compromised. About $500,000 was stolen from compromised bank accounts. This story is now on the Anti Skimming Forum portal.
Mike encouraged members of the forum to supply news stories to the portal and use it, including Douglas’s Monthly Digest.
- Implications of Mission Statement
Mission Statement
To measure the global impact of skimming through the pooling and analysis of data and to encourage target hardening and crime prevention best practices. To lobby for greater awareness among authorities regarding the seriousness of crimes involving skimming to increase sentences for convictions in order to create a deterrent effect.
It was agreed that this mission statement is broad and represents a long-term challenge. Skimming is a complex, sophisticated, white collar crime which is very widespread and uses a variety of methods and technologies. In addition, the criminal does not need a lot of investment in technology to commit the crime. The risks are low and the rewards are potentially high. Douglas shared that there is evidence that many skimming scams are perpetrated by organised criminals.
Therefore combating this crime will be a very involved, complex and long-term project.
It was decided to focus first on part one of the mission statement (“to measure the global impact of skimming through the pooling and analysis of data and to encourage target hardening and crime prevention best practices”) and that Phase 2 will be an educational campaign to fulfill the 2nd part of the mission statement (“To lobby for greater awareness among authorities regarding the seriousness of crimes involving skimming to increase sentences for convictions in order to create a deterrent effect.”). Knowledge and education are vital in combating skimming on a global basis.
- Update on skimming occurrences
Douglas stated that skimming is constant, occurring almost on a daily basis. George and Douglas described a “snowball effect” for skimming.
- Determine scope and structure of best practice guide
Our main output in Phase 1 will be a best practice guide for preventing ATM skimming and PIN capture. This will naturally involve a promotion of target hardening in the industry.
Mike thanked Douglas for his excellent classification system for types of skimming. He called for more feedback from the committee members on the draft classification system.
Mike also called for suggestions for an Editor for the best practice manual to check the technical accuracy of the content.
It was decided to set the end of July as the deadline to receive the first draft of the chapters for the best practice manual.
- Next steps
• Members will comment on Douglas’s classification system by 3 July
• Mike will ask Wynne Evans to write the 1st chapter of the manual
• Contributing authors will send Mike the 1st draft of their chapters by the end of July
• Members will think of suggestions for an editor for the best practice manual
• Members will continue to send material to Mike for the Anti Skimming Forum portal
- Next meeting: 27 August 2009 @ 10 am EST
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