“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 DEVELOPMENT 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 INSTITUTE Dr Roger Ballard, Expert on Hawala, CENTRE FOR APPLIED SOUTH ASIAN STUDIES 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 Executive, NET SOLVING Samee Zafar, Director, EDGAR DUNN & COMPANY 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 opportunity. • 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 forests Elemental www.icbi-events.com/Remittances great opportunity to network with some of Chlorine Free the most eminent names in the industry. (ECF) fax: +44 (0) 20 7017 7807 • email: firstname.lastname@example.org 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 certification. 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 - sendmoneyhome.org. 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 (www.sendmoneypacific.org) as well as hosting www.moneymove.org, 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 theFinanSer.com. 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 xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx European Clearing & Settlement www.icbi-events.com/Remittances Email: email@example.com 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 www.theFinanSer.com. 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: businesses. 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 Helen.firstname.lastname@example.org 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 xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx European Clearing & Settlement www.icbi-events.com/Remittances Email: email@example.com Web: International Money Transfer & Migrant Register Now – Five Easy Ways! Remittances Summit (KP4068) 1. Fax this form on +44 (0) 20 7017 7807 2nd & 3rd July 2009 2. Post this form to: Customer Service Manager, Workers' Remittances, REGISTRATION FORM How Europe’s Payment Services Directive ICBI, 29 Bressenden Place, London, SW1E 5DR Changes the Game (KP4068W) 3. Telephone us on +44 (0) 20 7017 7200 1st July 2009 4. Email: firstname.lastname@example.org – always quote KP4068 5. via the website: www.icbi-events.com/Remittances VENUE DETAILS Venue: Delegates are responsible for the Radisson SAS Hotel arrangement and payment of their own travel Via Filippo Turati 171IT-00185 Rome, and accommodation. ICBI has arranged a Italy special room rate at a number of hotels. Telephone +39 06 444841 Please visit: www.icbi- events.com/Remittances to download hotel Fax +39 06 44341396 booking forms. E-mail email@example.com UNABLE TO ATTEND? – EVENT DOCUMENTATION Nothing compares to being there – but you need not miss out. Don't delay ordering today! Simply tick the box, complete your details and send the form along with payment. Your Online Password will be sent to you within four weeks of the event. 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