Int Money by wulinqing


									                  “Rarely does an event attract such a range of key industry players                                                                                                                      Book before
             and address the key issues facing the industry so directly”. Barry Pennill, Coinstar                                                                                                        1st May 2009
                                                                                                                                                                                                             and save
                                                                                                                                                                                           Over 40              up to
                                          The Organisers of IPS, Europe’s Largest                                                                                                          Distinguished         £300
                                         Payments Event Bring You Their 2nd Annual                                                                                                         Speakers Including:
                                                                                                                                                                                           Pedro De Vasconcelos, Programme
                                                                                                                                                                                           Coordinator, Financing, Facility for
                                                                            International                                                                                                  Remittances
                                                                                                                                                                                           INTERNATIONAL FUND FOR
                                                                                                                                                                                           AGRICULTURAL DEVELOPMENT

       Money Transfer &                                                                                                                                                                    Catherine Martin, Private Sector Adviser,
                                                                                                                                                                                           DEPARTMENT FOR INTERNATIONAL
                                                                                                                                                                                           Rouben Indjikian, Senior Economist,
                                                                                                                                                                                           UNITED NATIONS CONFERENCE ON

      Migrant Remittances
                                                                                                                                                                                           TRADE AND DEVELOPMENT
                                                                                                                                                                                           Fernando Alonso Becerra, Head of
                                                                                                                                                                                           Remittances, BANCO SANTANDER
                                                                                                                                                                                           Brij Joshi, Market Manager for Remittances,
                                                                                                                                                                                           EMEA, CITI
                                                                                           Summit                                                                                          Joanne Strobel, Payments Strategy &
                                                                                                                                                                                           Infrastructures, Cash Management-Product
                                                                                                                                                                                           Management, Global Payments, DEUTSCHE
      In The New Financial Landscape - Where Do The Opportunities Lie?                                                                                                                     BANK
                                       Thursday 2nd and Friday 3rd July 2009 • Radisson SAS, Rome.                                                                                         Nikolay Gusman, President and Chairman of
                                                                                                                                                                                           the Board, RUSSLAVBANK
                                                                                                                                                                                           Dr Rainer Münz, Senior Fellow
                                                                                                                                                                                           HAMBURG INSTITUTE OF INTERNATIONAL
                                                        Outstanding Speaker Faculty                                                                                                        ECONOMICS and Head of Research &
                                                                                                                                                                                           Development, ERSTE GROUP
                                                                                                                                                                                           Norbert Bielefeld, Deputy Director Payments
                                                                                                                                                                                           Systems, WORLD SAVINGS BANKS
                                                                                                                                                                                           Dr Roger Ballard, Expert on Hawala,
                                                                                                                                                                                           CENTRE FOR APPLIED SOUTH ASIAN
                                                                                                                                                                                           Bruno Fatier, Counsel, CLIFFORD CHANCE
        Leon Isaacs                             Barbara Fridel                        Massimo Cirasino                       Manuel Orozco                      Dirk H. Kranen
      Managing Director                 Project Development & Liaison             Head of the Payment System         Senior Associate and Director of           Head of Division           Thomas Kraicsovits, Partner, STUDIO DE
INTERNATIONAL ASSOCIATION                          Officer                           Development Group                Remittances and Development       MINISTRY OF FINANCE, GERMANY       VITO & ASSOCIATI
    OF MONEY TRANSFER                      THE INTERNATIONAL                         THE WORLD BANK                  INTER-AMERICAN DIALOGUE
        NETWORKS                      ORGANIZATION FOR MIGRATION                                                                                                                           Atam Sandhu, Managing Director,
                                                                                                                                                                                           DEVELOPING MARKETS ASSOCIATES
                                                                                                                                                                                           Andrea Bianchi, Founder and Chief
                                                                                                                                                                                           NET SOLVING
                                                                                                                                                                                           Samee Zafar, Director, EDGAR DUNN &
                                                                                                                                                                                           Cerstin Sander, Senior Project Manager,
         Ruth Wandhofer                      Souren Hayriyan                            Daniel Ayala                        Mohit Davar                        Moises Jaimes               KREDITANSTALT FÜR WIEDERAUFBAU
Head of Payments Strategy, Treasury        Chief Executive Officer              Group Head, Global Remittance              Chief Executive                       President                 (KFW)
 and Trade Solutions EMEA, GTS                 UNISTREAM                                  Services                   COINSTAR MONEY TRANSFER            BANCOMER TRANSFER SERVICES
              CITI                                                                     WELLS FARGO                                                                                         Professor David Seddon, Director,
                                                                                                                                                                                           CRITICAL FACULTY
                                                                                                                                                                                           Michael Whyte, Market Manager - Banks and
                                                                                                                                                                                           Payments Market Infrastructures, SWIFT
                                                                                                                                                                                           Denis Mutsky, Program Manager, ASTELIT
                                                                                                                                                                                           Steven Kingaby, Project Director, Mobile
                                                                                                                                                                                           Money Transfer Project, GSM ASSOCIATION
        Chris Skinner                     Y.Sudhir Kumar Shetty                            Roy Vella                       Norman Frankel                          David Ferri             Tjeerd Rienstra, Chief Executive Officer,
          Chairman                     Chief Operating Officer - Global        Global Director of Mobile & Retail          Managing Director              Vice President and Chief Legal   EUROGIRO HOLDING A/S
  THE FINANCIAL SERVICES                        Operations                                Innovation                           MI-PAY                                Counsel
           CLUB                               UAE EXCHANGE                      ROYAL BANK OF SCOTLAND                                                           MONEYGRAM
                                                                                                                                                                                           Jacques Toureille, General Manager, THE
                                                                                           GROUP                                                           INTERNATIONAL LIMITED           AGA KHAN AGENCY FOR MICROFINANCE
                                                                                                                                                                                           Gianni Crociani, Vice President of Retail and
                                                                                                                                                                                           Owned Agents, MONEYGRAM
                                                      Conference Highlights Include:                                                                                                       INTERNATIONAL
                                                                                                                                                                                           Paresh Mashru, Chairman, OAKAM
   • Hard data on the trends and drivers for change.                                                  • The Payment Services Directive - practical
                                                                                                                                                                                           Nick Day, Managing Director, SMALL
   • Strategies for success: capturing the business                                                     implications.                                                                      WORLD FINANCIAL SERVICES GROUP
                                                                                                      • Effective public and private sector collaboration.                                 Gerardo Bonilla, Chief Executive,
   • Strategies to manage the impact of volatile foreign
                                                                                                      • New technologies – what solutions will they provide?                               El CAMINO
     exchange rates.
   • The role for banks in the remittance business.                                                   • Opportunities in new delivery channels for                                            NEW FOR REMITTANCES 2009
   • The beginning of a broader client relationship with                                                remittances?
     migrants.                                                                                                                                                                             Brand New Speed Networking
                                                                                                      • Who will be the winners in the mobile remittance
   • What formal channel providers can learn from hawala.                                                                                                                                  Sessions Taking place during the coffee
   • Addressing the KYC, regulation and compliance                                                      space?
                                                                                                                                                                                           break, delegates signed up for speed
     challenges.                                                                                      • Case studies from businesses across the globe.                                     networking will meet up to 15 people, at
                                                                                                                                                                                           random, each for a minute. They will be able
                               Plus!                 a highly practical pre-conference workshop:                                                                                           to swap business cards and briefly explain
                                                                                                                                                                                           their interests before moving onto the next
                      “How Europe’s Payment Services Directive Changes the Game”                                                                                                           contact. This is a quick and highly efficient
                                      Wednesday 1st July 2009 • Led By Chris Skinner, Chairman, The Financial Services Club                                                                way of meeting a large number of your peers
                                                                                                                                                                                           at the event.

        Sponsors                                                                                    Supporting Association                                                                 Networking Roundtables Our
                                                                                                                                                                                           networking roundtables provide delegates
                                                                                                                                                                                           with an unmissable opportunity to meet face
                                                                                                                                                                                           to face with some of our key speakers.
                                                                                                                                                                                           Several topical subjects will be on offer and
                                                                                                                                                                                           groups are kept small (about 10) so that you
                                                                                                                                                                                           can discuss specific issues in a highly
  Arranged By:                                                            Paper sourced
                                                                                                                    Register Today. call: +44 (0) 20 7017 7200
                                                                          from sustainable                                                                                                 interactive environment. Don’t miss this
                                                                           Elemental                                                              great opportunity to network with some of
                                                                           Chlorine Free                                                                                                   the most eminent names in the industry.
                                                                           (ECF)                      fax: +44 (0) 20 7017 7807 • email:
European Clearing & Settlement                    International Money Transfer & Migran
                                                                                                                                                                                                                  13.00   Lunch and Networking Roundtables
Dear Colleague,                                                                                       Day One: Thursday 2nd July 2009                                                                                     Our networking roundtables provide delegates with an unmissable opportunity to meet face
                                                                                                                                                                                                                          to face with some of our key speakers. Several topical subjects will be on offer and groups
I am delighted to be chairing ICBI’s second annual event on Money Transfers                                                                                                                                               are kept small (about 10) so that you can discuss specific issues in a highly interactive
                                                                                      09.00   Opening Remarks from the Chair                                                                                              environment Choose from:
and Migrant Remittances and look forward to exploring with you all of the
important topics that this fast-growing industry is currently facing. The first                               Leon Isaacs, Managing Director, INTERNATIONAL ASSOCIATION OF MONEY
conference in Berlin last year promoted lively discussions, tremendous                                        TRANSFER NETWORKS and Chief Executive, DEVELOPING MARKETS                                                   Next Steps for International Remittances : The World Bank View
                                                                                                              ASSOCIATES. DMA provides a broad range of services that help to mobilise funds                              Led by Massimo Cirasino, Head of the Payment System Development Group, THE WORLD BANK
networking opportunities and challenged many delegates to think differently                                 into developing markets. These include a consumer remittance comparison website, a
about their businesses – this year's promises to do the same. Throughout the                                remittances database, consultancy, organising inward investment conferences and
                                                                                              development conferences. He has over 15 years hands-on experience in the remittance industry                                Assessing the Key Trends in Migrant Remittances Globally
conference, we will encourage you to maintain an open dialogue on the issues                  and has been involved with two successful start-up money transfer businesses during that time -                             Led by Manuel Orozco, Senior Associate and Director of Remittances and Development, INTER-
your business is experiencing.                                                                MoneyGram and Coinstar. He is a steering group member of the UK Government’s Remittances                                    AMERICAN DIALOGUE
                                                                                              Task Force and sits on the World Bank sponsored Public Private Partnership on Remittances.
The most significant challenge currently is the impact that the current                                                                                                                                                   Strategies for Success in Building a Remittance Business
economic crisis may have on remittances. Whilst subject to much debate it             09.10   Keynote Opening Address: Why Migrant Remittances Are At The Top                                                             Led by Daniel Ayala, Group Head, Global Remittance Services, WELLS FARGO
has undoubtedly caused all existing operators to look at their current business               Of The G8 Agenda
and ensure that it is in the optimum shape and it has also caused potential new               •   Why are the G8 interested in remittances?                                                                       14.25   Strategy Roundtable: Strategies For Success For Providers of
                                                                                              •   Multilateral initiatives already launched
entrants to re-examine their intended approach.                                               •   National instruments to support remittances
                                                                                                                                                                                                                          Remittances Services In Times of Financial Turmoil
                                                                                              •   How the private sector can help to maximise developmental impact of remittances                                         •   What changes have we seen in our markets so far?
Over the two conference days we will also explore many other aspects of                       •   The way forward                                                                                                         •   How do we expect this to progress?
remittances, including the current impact of new technologies; how to reach                                                                                                                                               •   The importance of competitive pricing
                                                                                                              Dirk H. Kranen, Head of Division and Co-Ordinator of the G8 Meeting on                                      •   Dealing with the FX issue
out to the unbanked; the latest innovations in delivery channels – from pre-                                  Remittances, MINISTRY OF FINANCE, GERMANY. Dirk started his professional                                    •   Minimising costs through operational excellence
paid to mobile; KYC and critical compliance issues plus the practical                                         career at the Federal Ministry of Finance in 1991, worked at the International                              •   Increasing customer “stickiness” and loyalty
implications of the Payment Services Directive. We will also be looking at                                    Monetary Fund and served in governing bodies of several UN organizations. Before                            •   Maximising cross-selling opportunities
                                                                                                              he returned to the Finance Ministry in 2007, he was in charge of economics affairs in
the impact of volatile foreign exchange rates on remittances and strategies for                               the Office of the German Federal President in Berlin.
                                                                                                                                                                                                                          •   An increased emphasis on risk management
managing these.                                                                                                                                                                                                                         Mohit Davar, Chief Executive Officer, COINSTAR MONEY TRANSFER. Mohit has
                                                                                      09.40   Special Guest Interview: Implementation of the World Bank/BIS                                                                             been working in the money transfer industry for over 13 years. He has been
You’ll hear from senior managers of a variety of organisations, including the                 General Principles for International Remittance Services: What                                                                            involved in two start-ups in this industry, firstly in 1997 he helped form the Joint
World Bank, Wells Fargo, Citi and Deutsche Bank; to money service bureaux                     Results Have We Seen?                                                                                                                     Venture between MoneyGram and Thomas Cook and took the position of CFO and
like Bancomer, MoneyGram and Coinstar; government officials involved in                       • Why do remittances matter? What are the crucial issues to address?                                                                      then went on to become the CEO until 2003, when this was sold back to
setting the standards and processes for global remittances like the United                    • The need to help developing countries reduce the cost of making remittances                                               MoneyGram. He then set up Travelex Money Transfer, which was acquired by Coinstar in May
                                                                                              • Conclusions of the World Bank/BIS 2007 Remittance Report                                                                  2006. Prior to MoneyGram he worked at Thomas Cook M&A and Sedgwick, the insurance
Nations and IFAD; thought leaders like Chris Skinner and technology experts                   • Five general principles to assist countries who want to improve the market for remittance                                 brokers. Mohit is also the Chairman of the Advisory Committee of the IAMTN. He is also a
who are building the tools that will be used to accommodate this growing                        transfers                                                                                                                 member of the Institute of Chartered Accountants in England & Wales.
business. In addition to thought provoking roundtable discussions, you’ll hear                • Results of the World Bank study on pricing of remittances
                                                                                                                                                                                                                                        Souren Hayriyan, Chief Executive Officer, UNISTREAM. An international money
case studies on remittances in practice from business across the globe.                                       Massimo Cirasino, Head of the Payment System Development Group                                                              transfer system and one of the CIS market leaders. Souren started his career in the
                                                                                                              THE WORLD BANK. Massimo supported payment system reforms in 50+ countries.                                                  Ministry of Finance and Economy of Armenia to work later as the first deputy
As we continue to delve into the different elements that collectively comprise                                He is also the Co-Chairman of the WB-CPSS Task Force which issued the General                                               director for the United Stock Exchange in Armenia. He is the founder of the first
the remittance market, together we can effect policy and set standards as a                                   Principles for International Remittance Services and is leading several international                                       on-line trading system at the United Stock Exchange. He became CEO for the
                                                                                                              efforts to enhance the efficiency of the remittance market. Massimo also worked at                          UNIStream in 2001. With a great his contribution, the system that started from a scratch, grew
community, helping drive the global remittance market forward. This will be                                   Banca d’Italia, in the Payment System Department and in the Representative Office                           into a solid international player, with 5.5 million clients served per annum and operating in 90
a very pragmatically focused event which will enable you to gather important                                  in New York.                                                                                                countries around the Globe. In 2008, UNIStream’s turnover soared to nearly $5 billion.
contacts and vital strategies to move your business forward. I very much hope
you will join us and look forward to meeting you in Rome.                             10.10   The Latest World Bank Data Comparing Remittances Prices                                                                                   Brij Joshi, Director and Head Global Remittances and Mobile Payments, EMEA,
                                                                                              Worldwide                                                                                                                                 Global Transaction Services, CITI. Brij is responsible for Global Remittances and
Leon Isaacs                                                                                   •   What the reasons behind the high price of remittances?                                                                                 Mobile Payments products in Trade and Treasury Services in EMEA. Citi, through
                                                                                              •   Looking at the variables making up the remittance price                                                                                its Citi QuikRemit® product suite, provides state of the art, completely white
                                                                                              •   The real need for transparency in the market                                                                                           labelled solution to Financial Institutions, Money Service Businesses, Retailers and
                                                                                              •   The unified methodology used by the World Bank for collecting the data                                                  Mobile Network Operators across the globe. Brij has, during his 17 years with the firm, worked
                                                                                              •   Working with managers of other price comparison databases to encourage inter-                                           as senior Product Manger in the Trade and Treasury Services group in EMEA; Technology and
    Highly practical pre-conference workshop:                                                     operability and joint efforts in the future                                                                             Operations where he led large projects for re-engineering, process optimisation and right-sizing;
                                                                                                                                                                                                                          Managed Software Engineering and Process Quality initiatives leading to SEI level five
      “How Europe’s Payment Services                                                                          Atam Sandhu, Managing Director, DEVELOPING MARKETS ASSOCIATES.
                                                                                                            Atam has a high-profile project management history in promoting remittances as a
                                                                                                            development issue. Previously, as Managing Director of Profile Business
       Directive Changes the Game”                                                                          Intelligence, he was the architect behind DFID’s first consumer contract for
                                                                                                            remittances - He has established himself as an expert in the
                                                                                                                                                                                                                                        Tjeerd Rienstra, Chief Executive Officer, Eurogiro Holding A/S. Eurogiro has the aim
                                                                                                                                                                                                                                        to maintain and develop a world wide business to business framework for its
                                                                                                                                                                                                                                        customers and associated partners with a core interest in retail and wholesale
                            Wednesday 1st July 2009                                                         interface between donor-funded projects and migrant communities within the                                                  financial services. The framework shall secure a constructive and cost efficient
                                                                                              remittances arena. DMA are currently managing the research for the World Bank’s Global
                                                                                                                                                                                                                                        coordination of the most relevant commercial (and technical) issues for all of its
   Led By Chris Skinner, Chairman, The Financial Services Club                                Remittances database ‘Remittance Prices Worldwide’ and have recently launched the AusAID an
                                                                                                                                                                                                                          customers and to expand in terms of reach, customer base and overall transaction volumes of the
                                                                                              NZaid supported Send Money Pacific website for migrant workers in Australia and New Zealand
The Payment Services Directive (PSD) business rules for all payment service                   ( as well as hosting, a UK remittances price                                     whole business community. Tjeerd started his career at ABN AMRO where he had positions in IT
                                                                                              comparison site and information portal.                                                                                     and in the branch network organisation.
and changes implemented by the banks providers, covering the end to end
for a Single Euro Payments Area          payer to payee relationship, and will                                                                                                                                            What Impact Will the Payment Services Directive Have on the
(SEPA) hail a bright new and bold        have a revolutionary impact on the           10.30   Assessing the Latest Global and Regional Trends in Migrant                                                          15.20
                                                                                              Remittances and Measuring The Impact of the Economic Downturn                                                               Industry? What Is The Current Status of PSD Implementation Across
landscape for an integrated European     legal structures of processing payments              •   Estimating the current value of the global remittance market                                                            Europe?
financial marketplace. The aim of        between banks and their customers.                   •   Analysing value and volume trends                                                                                       • Where are we now with the Payment Services Directive?
these changes is to enable corporates to Are you prepared. Even if you are, are               •   Percentage flows through unofficial and official channels                                                               • What are the objectives of the PSD?
enjoy pan-European financial             you aware that each of the EU                        •   Will the financial crisis put a squeeze on remittances? If so, by how much? And for how                                 • The PSD’s revolutionary effect on the legal framework between payments institutions
                                                                                                  long?                                                                                                                     and their customers: stringent rules for information disclosure, conduct of business rules
management and treasury operations,      countries implementing the PSD are                   •   Which of the world’s top 10 migration corridors will be affected most?                                                    and service provision.
citizens to enjoy cross-border money     implementing a slightly different                    •   Research shows that remittances are resilient during economic downturns – what are the                                  • The beneficial impact of the PSD for the money service sector: the lightly regulated
movements as easily and simply as        version?                                                 reasons behind this?                                                                                                      “payments institution” on a level playing field with banks
domestic payments, and for authorities                                                        •   How can policy makers mitigate any negative impact of the downturn?                                                     • How prepared are banks for the PSD? And if they are not prepared, what should they do
                                                                                              •   Why remittances are expected to rise significantly in the long term
to realise up to 6100 billion euro per   This workshop will answer the                                                                                                                                                      now?
year in efficiencies thanks to the       critical questions outstanding in the                                Manuel Orozco, Senior Associate and Director of Remittances and Development,
                                                                                                              INTER-AMERICAN DIALOGUE. Manuel has conducted extensive research, policy                                                  Bruno Fatier, Counsel Banking Regulation, CLIFFORD CHANCE. Bruno is a banking
evolution from paper payments to         markets today:                                                        analysis and advocacy on issues relating to global flows of remittances, and migration and                                and financial regulatory expert and has advised major groups on the regulation of
electronic infrastructures. SEPA Credit • What are the practical implications of                               development worldwide. Dr. Orozco is chair of Central America and the Caribbean at the                                    means of payment (including cheques, credit cards and prepaid-cards). He has also
                                                                                                               U.S. Foreign Service Institute. He is also adjunct professor at Georgetown University, where
Transfers (SCT) are already here, and      the PSD?                                                            he is senior researcher at the Institute for the Study of International Migration. He frequently
                                                                                                                                                                                                                                         advised major financial institutions on implementation of the Payment Service
SEPA Direct Debits (SDD) are on the      • How easy will it be to implement the               testifies before Congress and has spoken before the United Nations. Manuel has published widely on
                                                                                                                                                                                                                                         Directive; joint ventures with telecom companies; the creation of an electronic money
                                                                                              remittances, Latin America, globalization, democracy, migration, conflict in war torn societies, and minority               institution and the creation of a migrant remittance finance company.
way in November 2009, as is the            systems and services you need to                   politics.
implementation of the PSD.                 exploit these opportunities.                                                                                                                                           15.45   Strategy Roundtable: Addressing the KYC, Regulation and
                                         • Where are the opportunities for banks      11.00   ccccccc MORNING COFFEE WITH SPEED NETWORKING cccccccc                                                                       Compliance Challenges Surrounding Remittances
The PSD creates a new, lightly             and new payments providers?                                                                                                                                                    •   What are the particular challenges facing a bank operating in this space?
regulated entity called a “Payments      • More importantly, who will be the          11.40   The Role for Banks in the Remittance and Money Transfer Business                                                            •   What are the particular challenges facing a money transfer agent operating in this space?
Institution”. This will allow non-banks    new payments providers?                            •   Why should banks provide remittance services?                                                                           •   How have we as an organisation tackled them?
                                                                                              •   What is the potential value of the business?                                                                            •   Conflicts between the objectives of remittances and legislation
and new, competitive stand-alone         And many more.                                       •   How to reach out to the unbanked                                                                                        •   How can the industry work more effectively with the regulators?
payments processors, to handle                                                                •   Products to build around remittances and the cross selling opportunity                                                  •   Addressing the challenges surrounding PSD compliance
payments and join the bankers’           The workshop will conclude with a                    •   How to address the business – both strategically and tactically
payment schemes and associations.        vision for European payments after the               •   Delivery channels                                                                                                                   Ruth Wandhofer, Head of Payments Strategy, Treasury and Trade Solutions EMEA,
                                                                                              •   The importance of partnering                                                                                                        GTS, CITI. Ruth is highly recognized in the European payment industry as one
The PSD also defines conduct of          dust has settled.
                                                                                                              Daniel Ayala, Group Head, Global Remittance Services, WELLS FARGO BANK N.A.                                             of the foremost authorities on the PSD and she is the Chair of the European
 Your Workshop Leader: Chris Skinner is an independent commentator on the                                    Danny manages product development, product management, operations and                                                    Expert Group on the transposition of the Payment Services Directive, a joint
 financial markets and Chief Executive of Balatro. He is Chair of the European                               customer service for Wells Fargo’s consumer remittance service activities. He and his                                    initiative of the three European Credit Sector Associations. She is also a
                                                                                                             team manage the Wells Fargo ExpressSend service and other products focused on                                member of the Plenary of the European Payments Council as well as a member of the
 networking group the Financial Services Club, and a co-founder of the website                               consumer remittances to China, India, Vietnam, the Philippines, Mexico, Guatemala,
 Shaping Tomorrow. He is well-known for his regular columns in a variety of media                                                                                                                                         SEPA schemes working group, driving the continued evolution of SEPA.
                                                                                                             and El Salvador. Danny is a global payments systems expert with more than 16
 and blog on He is the author of several books including "The                years of related consumer and wholesale banking experience. Previously, he has been responsible
 Future of Finance after SEPA”, released in 2008 and collecting over thirty expert            for corporate and financial institutions treasury management activities focused on product                                                Y.Sudhir Kumar Shetty, Chief Operating Officer - Global Operations, UAE
 opinions around SEPA and the PSD.                                                            management, marketing and sales management for Citibank, JP Morgan Chase and Bank of                                                      EXCHANGE. One of the world’s largest and most diversified remittance companies.
                                                                                              America.                                                                                                                                   During his 18 years with the company, Sudhir has led a powerful team of
 Workshop timings: Registration will be at 10am and the workshop will commence                                                                                                                                                           professionals to achieve top benchmarks in product management, major strides in
                                                                                                                                                                                                                                         customer relationship, process refinement for improved efficiency and performance,
 at 10.30 am. There will be breaks for refreshment and lunch. The workshop will end   12.10   Remittance Services As The Banking Entry Point For Guest Workers:                                                           identification of inventive approaches to reach more customers, effective public relations, superior
 at approximately 16.30.                                                                      The Beginning of a Broader Client Relationship With Migrants                                                                brand positioning, and replacing of convention with ingenuity. His strategic approach to the ever
                                                                                              •   The goal: moving migrant customers up the financial value chain                                                         changing business environment has helped UAE Exchange register consistent double-digit growth
                                                                                              •   How to adapt and develop products to meet their needs                                                                   over the past two decades and insulate the company from inadvertent environmental variables.
                                                                                              •   Leveraging cutting edge banking technology
   OUR PAST DELEGATES SAY IT BEST                                                             •   A comprehensive internet portal: dedicated to migrant’s needs and concerns                                              Dr. Thomas Kraicsovits, Partner, STUDIO DE VITO & ASSOCIATI. Thomas practices in the areas
                                                                                              •   Moving beyond remittances: offering entrepreneurial advice and linking promising                                        of international and European Union taxation,administrative consulting, corporate taxation and
 “Excellent networking, extremely relaxed professional atmosphere.                                projects to a network of business angels.                                                                               finance and holding companies. He is an Italian chartered accountant; an Italian accountant
 Premier remittance conference”. Vito Tassone, MoneyGram                                      Speaker to be announced                                                                                                     auditor and a member of the Anti-Money Laundering Permanent Advisors Committee in Rome
 “Excellent conference. The intensity of the attention and interest of                                                                                                                                                                  Joanne Strobel, Business Analyst, Payments Strategy and Infrastructures, Global
 the audience was most valuable”. Masayuki Tagai, Bank of Tokyo                       12.35   Informal Remittance Channels: Hawala & Small-Scale Global Value                                                                           Transaction Banking – Cash Management, DEUTSCHE BANK. Joanne is located in
 Mitsubishi UFJ                                                                               Transfers and The Attendant Challenges In An Era of Financial                                                                              New York and has responsibility for strategic initiatives as they relates to Global
                                                                                              Volatility                                                                                                                                 High Value Payments, including the design, positioning and implementation of
 “A great event, capturing the main players within the industry and                           •   We currently lack an effective global trans-jurisdictional payments system                                                             commercial and treasury payment solutions in euro, US dollar and multicurrencies.
 touching on a variety of “hot topics”. Created an excellent                                  •   The retail demand for access to such a system has never been greater                                                    Prior to Deutsche Bank, Joanne worked at ABN AMRO for five years for the financial institutions
                                                                                              •   Access to cheap, swift and efficient global payments services is a manifest public good                                 clearing product group for the Americas, responsible for their euro clearing service in the US.
 networking opportunity”. Laura Luscombe, HSBC                                                •   It is not self-evident that banks – in their traditional retail sense – are the most appropriate                        Before that, she was with Citibank leading an international customer service team. Joanne
 “Enlightening, knowledgeable, diverse group of speakers and                                      providers of this utility                                                                                               represents Deutsche Bank on the SWIFT US National Group sub-committee for Cash and Trade,
                                                                                              •   The intrinsic cost of value transfers in an electronic world is minimal                                                 the SWIFT Worker Remittance Advisory Group, and the International Financial Services
 attendess”. Sonny Bardhan, McKinsey                                                                                                                                                                                      Association Payments Product Group.
                                                                                              •   Success/cost-reduction efficiency is primarily a function of devising efficient solutions to
 “Useful information. Important players”. Irina Peptenaru, Transfond                              the first and last-mile logistical challenges encountered in trans-jurisdictional operations
                                                                                              •   Relationships of trust, rather than cumbersome bureaucratic procedures, offer by far the                                              David Ferri, Vice President, Chief Legal Counsel, MONEYGRAM INTERNATIONAL
 “Interesting group of people”. Christophe Tuerlinckx, KBC Bank                                   most effective route to operational efficiency                                                                                        LIMITED. David Ferri, Vice President and Chief Legal Counsel, MoneyGram
                                                                                              •   Despite the huge scale of value throughputs, competition and delivery speed can serve to                                               International Limited. MoneyGram is a leading funds transfer company
 “Interesting, high quality presentations”. Fernando Silva, Banco                                 minimize, although they do not entirely eliminate, risk. (Regulators please note).                                                     and the MoneyGram service is offered in 180 countries and territories
 Santander                                                                                                                                                                                                                               worldwide. David is a legal and regulatory expert based in London and is Head of
                                                                                                              Dr Roger Ballard, Consultant Anthropologist and Expert on Hawala, CENTRE FOR                                Legal for MoneyGram's International Division. He has several years experience in the financial
 “This is the first conference where all the subjects covered captured                                                                                                                                                    services industry and before joining MoneyGram David advised on many cross-border financial
                                                                                                              APPLIED SOUTH ASIAN STUDIES. Roger is an anthropologist with a long standing
 my interest”. Maarten van Rossum, ABN AMRO                                                                   interest in patterns of migration from South Asia to the UK, and in the of the                              services transactions with international law firm Norton Rose. A qualified lawyer in England and
                                                                                                              operation of the transnational networks to which settlers’ entrepreneurial initiatives                      New York, David has practised in London, Milan and the Middle East. David is currently actively
 “The insights afforded by this conference definitely provided                                                have given rise. As a result he has taken a close interest in the operation of                              involved in the implementation of the Payment Services Directive.
 exceptional professional value and benefit”. Tim Mills, The Clearing                                         IVTS/Hawala networks, which he analyzed in a lengthy article in Volume 6 of the
 House                                                                                                        Journal of Banking Regulation.                                                                      16.40   Afternoon tea

To Register:                              Tel: +44 (0) 20 7017 7200 Fax: +44 (0) 20 7017 7807
European Clearing & Settlement
          Email: Web:
nt Remittances Summit                                                                                                                                                                                                                      Thursday 2nd and Friday 3rd July 2009
                                                                                                                                                                                                                                                           Radisson SAS, Rome

  17.10   Strategy Roundtable: Why Migrant Remittances Really Matter And                                                Roy Vella, Global Director of Mobile & Retail Innovation, ROYAL BANK OF SCOTLAND GROUP.            14.55      Panel Discussion: Beyond Remittances: Broadening Value Added
                                                                                                                        See biography above.
          How To Optimise Their Developmental Impact By Creating a                                                                                                                                                                    Services; Reaching Out To The Unbanked and Looking To Value
          Co-Operative Public and Private Sector Model                                                                                Norman Frankel, Chief Executive, MI-PAY. Norman is a world authority in                         Based Remittances
          • Importance of remittances for development and poverty alleviation in developing                                            mobile payments and e-Commerce with over 12 years industry experience in                       •   Product development beyond remittances
            countries                                                                                                                  banking, mobile payments, consultancy, systems integration and payment                         •   Providing microfinance to the world’s poorest people: loans, insurance, savings
          • Roles of supranational and national organisations; governments; micro finance                                              operations. He has provided advice to companies across Europe, Asia, Far East                  •   Micro credit – of critical importance to micro enterprises
            organisations; remittance service providers and industry utilities                                                         and Australasia. His team have written the m-Payment strategies for Telefonica                 •   Understanding the needs of these new customers
          • Necessary changes in legal and regulatory frameworks and payments systems                                   International, MasterCard International, Orange Group, KPN and T-Mobile International and                     •   Will value based (rather than money based) remittances be the next big thing?
            infrastructures                                                                                             deployed working payment solutions for Vodafone and other operators. He is founder and Chief
          • Governance and risk management issues                                                                       Executive of Mi-Pay Ltd, a company specialising in adding value to mobile initiated payment
          • Transparency and consumer protection                                                                        transactions, particularly in the area of pre-paid top-up and remittances. Mi-Pay works with                                Gerardo Bonilla, Founder, EL CAMINO TRANSFERENCIAS, INC. The initial
          • Working towards common goals                                                                                mobile operators, money transfer businesses and banks to reduce pre-pay top-up costs, provide                               business model was oriented to the USA – Mexico Remittance Market, using
                                                                                                                        improved customer experiences and innovative mobile payment programmes such as                                              agents as the origination network and providing instant payments through
                                                                                                                        remittances.                                                                                                                Financial Institutions, mainly in cash. In 2003 Gerardo developed a new Turnkey
          Dirk H. Kranen, Head of Division and Co-Ordinator of the G8 Meeting on Remittances, MINISTRY
                                                                                                                                                                                                                                                    Money Transfer Solution, offering its platform, expertise and distribution network
          OF FINANCE, GERMANY. See biography above.
                                                                                                                                      Denis Mutsky, Program Manager, ASTELIT. Denis has been working in Astelit,                      to help Financial Institutions (mainly banks & credit unions) enter into this Market. By the
                        Pedro De Vasconcelos, Programme Coordinator, Financing Facility for Remittances,                               Telecommunication Company in Ukraine, since August 2006 as part of New                         end of 2004, El Camino hosted HSBC,s Money Transfer Business in the U.S. (through HSBC
                                                                                                                                       Investments Management Functional group dealing with strategic projects and                    Credit Centers in California). In 2008 El Camino merged with the company Microfinance
                        INTERNATIONAL FUND FOR AGRICULTURAL DEVELOPMENT. The multi-donor                                               business development opportunities. Prior to that Denis was working in Western
                         Financing Facility for Remittances (FFR) is composed by the European Union (EU),                                                                                                                             International Corporation, a Washington, D.C., based corporation with a very ambitious project
                         the Inter-American Development Bank (IDB), the Government of Luxembourg, the                                  Union Financial Services in Ukraine as a Regional Operations Manager for                       to provide a turnkey solution for the immigrants and unbanked in the U.S. Through strategic
                         Government of Spain, the Consultative Group to Assist the Poor (CGAP), and the                 Ukraine, Georgia and Armenia where he was responsible for business development, network                       alliances and partners we have created a very powerful and unique business model to meet the
          United Nations Capital Development Fund (UNCDF). The program’s strategic goals are aimed at                   rollout in the region and quality assurance programs. Previously he held various IT and                       needs of this under served market and to give financial opportunities to these people.
          reducing rural poverty and promote development. The specific objectives of the program are to                 operations positions in Citibank, Micros Fidelio International and other IT and financial
          increase economic opportunities for the rural poor through support and development of innovative,             services companies.
                                                                                                                                                                                                                                                    Cerstin Sander, Senior Project Manager, KREDITANSTALT FÜR WIEDERAUFBAU
          cost-effective and easily accessible international or domestic remittance services. To date the FFR                                                                                                                                       (KFW). Cerstin has senior responsibilities for financial and private sector
          has launched several call or proposals aimed at countries in Africa, Asia, Europe, Latin America                            Samee Zafar, Director, EDGAR DUNN & COMPANY. A global management
                                                                                                                                      consulting firm. Samee has advised some of the world’s largest organisations in                               initiatives. She manages transactions and projects primarily in South Eastern
          and the Caribbean (LAC), and the Near East. Prior to IFAD, Pedro served at the United Nations
          Conference on Trade and Development (UNCTAD) in Geneva under the project MicroBanks.                                        North America and Europe, working at the Board level. Samee leads the firm’s                                  Europe as well as global deals or projects aimed at financial sector development.
                                                                                                                                      practice in “Advanced Payments” which covers internet, contactless, and mobile                                This includes structured transactions, fund investments or debt transactions,
                        Barbara Fridel, Project Development & Liaison Officer, THE INTERNATIONAL                                      payments. He has consulted extensively on retail payment systems covering retail                deposit insurance, housing finance, and related institution building to strengthen access to
                        ORGANIZATION FOR MIGRATION. During her long service with IOM, she                               instruments including ACH payments, credit, charge, and debit cards. He previously held                       financing and financial services for microentrepreneurs and SMEs. She sits on the board of
                        managed humanitarian relief and development projects for Africa and the Balkans                 leadership positions at PricewaterhouseCoopers and at Scient Consulting based in New York.                    ProCredit Bank Armenia. Cerstin has spent her professional career of nearly 20 years working
                        and was liaison officer in Albania. During the past ten years she has applied her               He started his career with Visa International. He has co-authored a book “Developing and                      in international development and has worked extensively on money transfer and migrant
                        expertise to develop and monitor new projects with focus on Labour Migration,                   Managing a Successful Payment Cards Business” published by Gower Publications.                                remittances. Studies include global and Africa regional scoping studies as well as country
          Migrants reception & integration, Capacity Building, Return Migration, etc. Since 2003 she also                                                                                                                             studies for Moldova, Senegal, Kenya, Uganda and Tanzania.
          focused on innovative strategies to enhance the positive role of migrants, such as the MIDA                                 Steven Kingaby, Project Director, Mobile Money Transfer Project, GSMA
          program-Migration for the Development in Africa.                                                                            ASSOCIATION. This project is at the heart of a rapidly growing global industry                                Professor David Seddon, Director, CRITICAL FACULTY. David Seddon was
                                                                                                                                      trend that is bringing Mobile Money Solutions directly to Mobile Phone                                        formerly Professor of Development Studies at the University of East Anglia. He is
                        Dr. Rouben Indjikian, Senior Economist, UNITED NATIONS CONFERENCE ON                                          subscribers. Prior to his current challenge Steven has spent 30 years in the
                                                                                                                                                                                                                                                    now Director of Critical faculty - an independent consultancy group specialising
                        TRADE AND DEVELOPMENT (UNCTAD). Rouben has held several managing                                              telecoms industry with Ericsson and Nortel living in North America, Japan, China,
                                                                                                                                      Sweden and the UK and during this time has been active in Wireless Systems                                    in emerging global issues. Author on several books, reports and articles on
                        positions and is currently the Deputy Head of Special Unit on Commodities. From                                                                                                                                             international labour migration and remittance flows, he is an expert on 'the global
                        2000 to 2008 he was instrumental in creating and developing the UNCTAD ICT and                                Development, Product Management and Global Service Operations.
                                                                                                                                                                                                                                                    remittance economy'
                        e-business work program and its annual Information Economy Report (IER). Being
          the Coordinator of E-Finance in UNCTAD for several years, he was responsible for producing            11.00   Morning Coffee
          several chapters on e-finance for IER. A part of the most recent chapter on e-banking and e-                                                                                                                                              Paresh Mashru, Chairman, OAKAM. Paresh's focus is on building value and
          payments for IER 2007-2008 was devoted to e-remittances. His activities including research,                                                                                                                                                acting as mentor for the management teams of private equity backed ventures. His
          policy recommendations and technical assistance in the area of electronic finance stressed the
                                                                                                                11.30   Case Study: Meeting the Needs of South American Migrants                                                                     business interests (often as investing shareholder and/or director) span the UK,
          important role of innovations and information technologies in developing financial sector of the              •   Understanding your customers needs
                                                                                                                                                                                                                                                     US, and C&E Europe and he is a principal in a Special Situations Fund investing
          economy and contributed to the awareness raising in that domain.                                              •   How has the economic downturn impacted our market?
                                                                                                                                                                                                                                                     in India. He is the Chairman and founder shareholder in Oakam ,a community
                                                                                                                        •   What are the peculiarities of the South American remittance market?
                                                                                                                                                                                                                                      financial services provider in the UK. Until 2005 he was a Partner in Deloitte (formerly
                                                                                                                        •   Dealing with the FX issues
                                                                                                                                                                                                                                      Andersen), where he held senior positions with a particular focus on advising Financial
  18.10   Closing Remarks from the Chair                                                                                •   Innovations in payments channels
                                                                                                                                                                                                                                      Institutions. He was responsible for establishing and building Andersen Corporate Finance's
                                                                                                                        •   What does the future hold?
                                                                                                                                                                                                                                      corporate and structured finance capability in the US and Europe.
  18.15   Cocktail Party
                                                                                                                                      Moises Jaimes, President, BANCOMER TRANSFER SERVICES, INC.. Bancomer
                                                                                                                                      is one of the largest money transfer companies providing services between the                   Jacques Toureille, General Manager, THE AGA KHAN AGENCY FOR MICROFINANCE
                                                                                                                                      U.S. and Europe to Latin America. Bancomer is part of the BBVA group, one of
          Networking Roundtables                                                                                                      the largest banking corporations worldwide. Since 2004, Moises has been the          15.50      Closing Strategy Roundtable: Can Banks, Money Transfer
          Our networking roundtables provide delegates with an unmissable opportunity to meet face                                    Chairman of the Board of Directors and Chief Executive Officer of BBVA
                                                                                                                        Bancomer Financial Holdings, Inc., the parent company of Bancomer Transfer Services Inc.,                     Operators, Technology Providers and Industry Utilities Work
          to face with some of our key speakers. Several topical subjects will be on offer and groups
          are kept small (about 10) so that you can discuss specific issues in a highly interactive                     Bancomer Financial Services Inc., Bancomer Foreign Exchange Inc., Bancomer Payment                            Together to Build the Remittance Market?
          environment Choose from:                                                                                      Services Inc. and BBVA Bancomer USA Bank.                                                                     •   What are the challenges? Dynamics of cross border remittances
                                                                                                                                                                                                                                      •   Analysing competitive and co-operative space
          Harnessing the Potential of Disruptive Technologies in Payments                                       11.50   Migration Process On The Post-Soviet Space Through The Prism of                                               •   Dealing with the constraints
          Led by Chris Skinner, Chairman, THE FINANCIAL SERVICES CLUB                                                   Remittances                                                                                                   •   Creating the network and working with partners
                                                                                                                        • Specific features of migration processes in Russia                                                          •   Technology & payments evolution
          Where Next for Mobile Financial Services?                                                                     • Remittances as the indicator and measuring instrument of migration on the post-Soviet                       •   Remembering the end game: limiting transaction costs to maximise the benefits
          Led by Roy Vella, Global Director of Mobile & Retail Innovation, ROYAL BANK OF SCOTLAND                         space
          GROUP                                                                                                         • Impact of crisis on remittances market and migration processes                                              Fernando Alonso Becerra, Manager for Immigrant Banking, BANCO SANTANDER.Since
                                                                                                                        • Services for labour migrants                                                                                Fernando joined Banco Santander in 1990 he has held a variety of positions related to banking
          The New SWIFT Workers Remittance Service                                                                      • Forecast of development remittances market in Russia and CEE countries                                      of Spanish migrants and banking of foreign immigrants in Spain. Before joining the bank he
          Led by Michael Whyte, Senior Market Manager, Banks & Payments Market Infrastructures, SWIFT                                                                                                                                 worked as a market analyst at the Spanish Commercial Embassy in Israel.
                                                                                                                                      Nikolay O. Gusman, President and Chairman of the Board, RUSSLAVBANK.
                                                                                                                                      Nikolay is a PhD graduate of the Moscow Engineering Physics Institute and is                                  Giovanni Crociani, Vice President, Retail and Owned Agents, MONEYGRAM
                     Day Two: Friday 3rd July 2009                                                                                    author of about 100 scientific publications and inventions. He has been head of
                                                                                                                                                                                                                                                    INTERNATIONAL. Gianni Crociani, Vice President of Retail and Owned Agents,
                                                                                                                                      Russlavbank since 1990, a fully licensed, multi-branched Russian bank. Nikolay
                                                                                                                                                                                                                                                     MoneyGram International. Gianni has over 20 years of experience in financial
                                                                                                                                      is the founder of the Contact International Money Transfer and Payment System,
  08.45   Opening Remarks from the Chair                                                                                the oldest and biggest in Russia. He is also a member of: The International Management                                       services and 13 years of experience in the money transfer industry. Gianni was
                                                                                                                        Academy; The SWIFT National Committee: The Public Council of Federal Migration Service                                       involved in the start-up of MoneyGram in Italy. He has covered different
          Leon Isaacs, Managing Director, INTERNATIONAL ASSOCIATION OF MONEY TRANSFER                                   and is Chairman of Custodial Board of Russian Peace Foundation. Nikolay has a set of                          managing roles such as Managing Director Thomas Cook Italy and Regional Director in
          NETWORKS and Chief Executive, DEVELOPING MARKETS ASSOCIATES.                                                  prestigious awards and diplomas for active banking and charitable activities.                                 Travelex. Gianni is also a member of the Executive Board of Manager Italia, the association of
          See biography above.                                                                                                                                                                                                        the Italian Dirigenti (senior managers).
                                                                                                                12.10   Case Study: How Card Companies Can Leverage Global Networks
  09.00   New Delivery Channels for Remittance: Where Do The Opportunities                                              in the Remittance Space                                                                                                     Norbert Bielefeld, Deputy Director, Payments and Securities,
          Lie?                                                                                                          •   The demand for card based remittances                                                                                   EUROPEAN SAVINGS BANKS GROUP - WORLD SAVINGS BANKS INSTITUTE.
          •   Common issues faced by remitters                                                                                                                                                                                                     Norbert joined the ESBG/WSBI in November 2001 with responsiblities for all
                                                                                                                        •   The rise of pre-paid cards
          •   Business needs and architecture                                                                                                                                                                                                      payments topics and securities markets both European and worldwide. He
                                                                                                                        •   New card based remittance technologies
          •   Where are the possible solutions?                                                                                                                                                                                                    represents ESBG on the ECB's TARGET2 Securities Advisory Group, the
                                                                                                                        •   Structuring a card based remittance programme
          •   The limitations of existing delivery channels                                                                                                                                                                           European Commission's E-Invoicing Expert Group, and chairs the European Payments
                                                                                                                        •   How to measure success
          •   Innovations in payment channels for remittances: mobile to electronic to pre-paid                                                                                                                                       Council's Cards Standardisation Task Force. He served as Secretary General of the European
          •   Will new technologies change the face of this market?                                                                                                                                                                   Payments Council for its inaugural term and was re-elected to the Steering Committee of the
                                                                                                                        Speaker to be announced
                                                                                                                                                                                                                                      Global Payments Forum in 2006.
                        Chris Skinner, Chairman, THE FINANCIAL SERVICES CLUB and Chief Executive,               12.30   Strategy Roundtable: How FX Volatility Has Impacted Remittances
                        BALATRO. Chris is an independent commentator on the financial markets and a co-                                                                                                                                             Michael Whyte, Senior Market Manager, Banks & Payments Market
                        founder of the website Shaping Tomorrow. He is well-known for his regular                       and How To Manage It Better                                                                                                 Infrastructures, SWIFT. Michael is responsible for strategy and service
                        columns in a variety of media and daily blog, which can be found at                             •   Volatility levels in the currency markets – from 5% pre credit crisis to 20% today                                      development for cross-border, person-to-person payments. He has led the SWIFT
               He is the author of several books including “The Future of                 •   The impact on currencies of the major remittance corridors                                                              Workers’ Remittances initiative since 2006. The first interbank service resulting
                        Banking”, “The Future of Finance after SEPA” and “The Future of Investing after                 •   How can providers of remittance services achieve the best FX price?                                                     from this initiative is in pilot and will move to live production in early 2009.
                        MiFID”.                                                                                         •   Fluctuating FX rates as a business opportunity                                                            Michael joined SWIFT in 2001. As a member of the Banking Industry Division, Michael
                                                                                                                        •   Hedging your currency exposure from a company results perspective                                         worked on the evaluation of new market opportunities and co-ordinated Division input to
  09.25   Solutions For The Remittance Market                                                                                                                                                                                         overall corporate strategy. Prior to SWIFT, Michael worked with with Ernst & Young, where he
          • Technology: the key to integrate the proposition, standardize the service and ensure                        Mohit Davar, Chief Executive, COINSTAR MONEY TRANSFER.                                                        specialized in business development and marketing projects and led the successful launch of
            speedier and reliable delivery of the payment                                                               See biography above.                                                                                          European operations for a number of US based trade associations in the textiles,
          • The impact of emerging technologies                                                                                                                                                                                       telecommunications and micro-electronics sectors.
          • How we developed our “Remittances Global Solution”                                                                        Dr Rainer Münz, Head of Research & Development, ERSTE GROUP. Rainer
          • Net Solving and the new SWIFT Workers Remittances service                                                                  Münz, Senior Fellow, the Hamburg Institute of International Economics (HWWI)        16.45      Closing Remarks from the Chair and Close of Conference
                                                                                                                                       and Head of Research & Development, Erste Group Bank AG. Rainer is an
                                                                                                                                       expert on population change, international migration and demographic aging, their
                        Andrea Bianchi, Founder and Chief Executive, NET SOLVING. Andrea has held
                        these positions since the establishment of the company on 1997. He started his
                        professional experience on 1988 as consultant for Italian bank outsourcing centres
                                                                                                                                       economic impact and their implications for social security. Until 1992 he was
                                                                                                                        director of the Institute of Demography at the Austrian Academy of Science. Between 1992 and                                               Sponsors:
                                                                                                                        2003 he was head of the Department of Demography at Humboldt University, Berlin. Rainer
                        (IPACRI and ICCRI) by leading several IT projects concerning the infrastructures                Münz has worked as consultant for the European Commission, the OECD and the World Bank.                               RUSSLAVBANK, Russia is a highly advanced, fully licensed, multi-
                        implementation in the area of payment systems. Afterwards Andrea has managed
                        Net Solving by playing a key role in the planning and development of successful
                                                                                                                        He served as an advisor to the Greek (2003), Dutch (2004) and Slovene (2008) EU                                       branch universal bank, established in 1990. Since 1999 Founder and
                                                                                                                        presidencies. In 2000-01 he was member of the German commission on immigration reform                                 Clearing Bank of CONTACT - International Money Transfer and Payment
                        products and application platforms present today in the banking market.                         (Süssmuth commission). Since 2008 he is Member of the high level "Reflection Group Horizon                            System, the oldest and biggest in Russia. Russlavbank is awarded by
                                                                                                                        2020-2030" of the European Union (so-called EU "Group of the Wise"). Rainer Münz is                                   Certificate of Quality Management System ISO 9001: 2000 (BVC), a
  9.45    Industry Collaboration To Offer Mobile Financial Services                                                     member of several boards and advisory boards; among them: International Organization for
                                                                                                                                                                                                                                              unique example on money transfer market of Russia.
          •   Evaluating the current business models in the mobile financial services space                             Migration (IOM, Geneva), World Demographic Association (WDA, St. Gallen), Center for
          •   Who has succeeded? What has driven that success?                                                          Migration, Integration and Citizenship at Oxford University (COMPAS, Oxford, UK).                                     NET SOLVING specializes in providing the banking market with software
          •   Why partnering makes sense                                                                                                                                                                                                      solutions and consultancy services in the area of payment systems
          •   Building revenue models together                                                                          Nick Day, Managing Director, SMALL WORLD FINANCIAL SERVICES.                                                          applications and offers its solutions for processing domestic and cross-
          •   The RBS Mobile Virtual Banking Operator concept – what next?                                              A pan-European Financial Services Group, specializing in international money transfer and                             border payments to more than 400 banks all over Europe. Since 2004 the
                                                                                                                        prepaid cards. Nick has been leading high growth businesses within the European financial
                                                                                                                        services industry for over five years, operating across Europe. Prior to taking on a leadership     company is certified as SWIFT “Partner Solution”. In 2008 Net Solving has gained the
                        Roy Vella, Global Director of Mobile & Retail Innovation, ROYAL BANK OF                                                                                                                             “SWIFTReadySepa” certification and became SWIFT partner in the SWIFT Workers
                        SCOTLAND GROUP. Roy joined RBS in April 2008 to lead the bank’s mobile                          role at Small World Group, Nick was a retail banking professional, working for both the Royal
                                                                                                                        Bank of Scotland and Lloyds TSB in a range of payment sectors.                                      Remittances service.
                        efforts globally. Before RBS he spent five years with PayPal starting out as the
                        Director of Business Development in the US Merchant Services team and finally
                        as the Head of Mobile Payments leading the mobile payments initiative in Europe.                Further speakers to be announced                                                                           Sponsorship and Exhibition Opportunities:
          Prior to PayPal, Mr. Vella worked as the VP of Sales & Marketing at 4charity, Inc. (a software
          startup focusing on corporate philanthropy for the Fortune 500), and as a Partner at Quantum          13.15   Lunch
          Technology Ventures (a corporate VC firm focusing on the storage industry). As an entrepreneur,
                                                                                                                                                                                                                            As the organisers of the highly respected International Payment Summit ICBI has
                                                                                                                                                                                                                            considerable knowledge in the payments field. Our second annual remittances conference will
          Mr. Vella co-founded NetAbacus Corporation, a web-based purchasing service for small                  14.30   Reaching Out To The Unbanked: The FAST (Facilitating Access to                                      bring together all the key industry players. Delegates will include senior representatives from:
                                                                                                                        Financial Services Through Technology) Initiative
                                                                                                                        • A new initiative to support the use of technology and innovation to bring financial               National and International Organisations: Director General; President; Head of
  10.10   Roundtable: Mobile Remittances: Who Will Be the Winners and                                                     services to millions of “un-served” people across the globe                                       International Development
          Losers?                                                                                                       • Providing funding for research and diagnostic studies, test pilots and working with               Regulators and Central Banks: Heads of Payments Systems; Head of Payment Policy
          • Why mobile remittances will be prove to a powerful alternative to traditional money                           partner governments to develop a policy and regulatory framework that supports the                Commercial Banks: Head of Remittances; Head of International Payments; Head of Cash
            transfer methods: 6 billion people in the world, 60% without access to basic financial                                                                                                                          Management; Head of International Business; Head of Global Transaction Banking; Head of
                                                                                                                          use of new technology and innovative models to scale up access to finance safely and              Compliance
            services. 3+ billion users of mobile phone users, outnumbering ATM’s in a ratio of                            at dramatically lower costs                                                                       Money Transfer Operators: Managing Director; Head of Business Development; Head of
            2000 –1.                                                                                                    • Developing a framework for using new technology based financial services in making                Sales; General Counsel
          • Different methods of mobile remitting                                                                         government to people (G2P) payments to promote financial inclusion                                Infrastructure and Technology Companies: Managing Director; Head of New Business;
          • What are the challenges to be overcome?                                                                     • Working strategically with other development partners as well as the private sector to            Head of Sales
          • Addressing the issue of regulation                                                                            leverage investment into this fast emerging space
          • Where will we see partnerships and alliances form?                                                                                                                                                              If you are interested in promotional opportunities at this event, please email:
          • How operators can collaborate to lower costs, increase reach and redefine what it means                     Catherine Martin, Private Sector Adviser, DEPARTMENT FOR INTERNATIONAL                     or call her on +44 (0) 20 7017 4041.
            to be ‘banked’                                                                                              DEVELOPMENT

   To Register:  Tel: +44 (0) 20 7017 7200 Fax: +44 (0) 20 7017 7807
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                                                                                                                                              ❏       Yes! ! I would like to receive info on future events & services via fax
                                                                                                    YOUR COMPANY DETAILS
                    Company Name:                                                                                                            Nature of Company’s business:
                    PLEASE SELECT YOUR PACKAGE                                                           BOOKING FEE BY                                      BOOKING FEE BY                                                BOOKING FEE AFTER
                                                                         DATES                             1st May 2009              SAVE                      29 May 2009                           SAVE                     29 May 2009                         SAVE
                    by ticking the appropriate box
                    ■ 3 Day Package:                                     1st, 2nd & 3rd
                                                                                                 £1998 (+ 20% VAT) = £2397.60 £300                 £2098 (+ 20% VAT) = £2517.60 £200                                £2198 (+ 20% VAT) = £2637.60                  £100
                                                                         July 2009
                      Conference + Workshop
                    ■ 2 Day Package:
                    ■                                                    2nd & 3rd
                                                                                                 £1299 (+ 20% VAT) = £1558.80 £200
                                                                         July 2009                                                                 £1399 (+ 20% VAT) = £1678.80 £100                                £1499 (+ 20% VAT) = £1798.80                   -
                      Conference Only
                    ■ 1 Day Package:
                                                                         1st July 2009           £799 (+ 20% VAT) = £958.80              -         £799 (+ 20% VAT) = £958.80                             -         £799 (+ 20% VAT) = £958.80                     -
                      Workshop Only
                    All discounts are subject to approval. Discounts can not be combined. The
                    discounts apply to the price at the date of registration. Discounts can only                                                                   PAYMENT DETAILS
                    be claimed at the time of registration.
                                                                                                                             Please use this form as our request for payment. Fax and phone bookings should be made with a
                                              CANCELLATION POLICY                                                            credit card number, or followed up by a posted registration form. Places are only guaranteed by
                                                                                                                             full payment, which must be received before the conference.
                    Should you be unable to attend, a substitute is always welcome at no extra charge. A full refund,
                    less a service charge of 10%, is given for cancellations received in writing (letter or fax) four        Please complete as applicable:
                    weeks prior to the conference. A 50% refund will be sent for cancellations received two weeks            ■
                                                                                                                             ■ I enclose a cheque/bankers draft made payable to ICBI Ltd for £...................
                    prior to the conference. Regrettably, no refunds can be made for cancellations received less than
                    two weeks prior to the conference but a substitute delegate is always welcome.                           ■ Bank transfer: full details of bank transfer options will be given with our invoice on
                    DATA PROTECTION: Personal data is gathered in accordance with the Data Protection Act 1998.                    registration.
                    Your details may be passed to other companies (in countries within or outside the EEA) who wish          ■ Please invoice my company
                    to communicate with you offers related to your business activities. If you do not wish to receive
                    these, please tick the box ❏
                                                                                                                             ■ Please debit my MASTERCARD ■
                                                                                                                             ■                            ■                              VISA ■
                                                                                                                                                                                              ■                 ■
                                                                                                                                                                                                       EUROCARD ■                                  ■
                                                                                                                                                                                                                                  AMERICAN EXPRESS ■
                    Additional Requirements: Please notify ICBI at least one month before the conference date if you
                                                                                                                             Card Number ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ ■ ■
                    have any additional requirements e.g. wheelchair access, large print etc.
                                                     PERSONAL DATA
                    Personal data is gathered in accordance with the Data Protection Act 1998. Your details may be
                                                                                                                             CVV  ■■■■                             3 digit security code on the reverse of card, 4 digits for AMEX card
                    passed to other companies (in countries within or outside the EEA) who wish to communicate with you
                    offers related to your business activities. If you do not wish to receive these, please tick the box ❏
                                                                                                                             Expiry Date..................................................with the sum of £ ......................................
                          Additional Requirements. Please notify ICBI at least one month before the conference date if       Signature ........................................................................................................................
                          you have any additional requirements e.g. wheelchair access, large print etc.

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