PAYMenTs CoMPlIAnCe - The Canadian Institute

Transcription

PAYMenTs CoMPlIAnCe - The Canadian Institute
May 27 & 28, 2014 • InterContinental Yorkville • Toronto
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The Canadian Institute’s 9 Annual Forum on
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Payments Compliance
Co-Chairs:
David Florio
Partner, Advisory Services
Grant Thornton LLP
Les Riedl
Senior Managing Partner
Bank Solutions Group, LLC
Robust Compliance
Strategies and
Innovative Business
Planning Methods
in a Rapidly Evolving
Marketplace
Your one-stop, comprehensive event on Payments in Canada, featuring
a new format!
3 Minimize legal and business risk through sessions focussed on the latest core compliance
essentials
3 Develop a robust tool-kit by hearing case studies from industry experts for additional
compliance solutions from leading stakeholders
3 Understand exactly how to plan your priorities with insight into new technology
and trends to watch.
EARN
Hear directly from these leading
stakeholders, and more:
FCAC
PayPal Canada
HSBC Financial
Rogers
MasterCard
Consumers
Council of Canada
Supporting
Sponsor:
Participate in the interactive Payment Innovations Intimate Roundtable
CPD
hours
• Gain insight into industry leading initiatives
• Learn from the experiences of key stakeholders
• Hear growth strategies to help your organization remain competitive
Attend the in-depth training session: E-Wallets Intensive: Getting Under the Hood
of a Digital Wallet: Key Features and Risk Mitigation Solutions
• Understand the technicalities of e-wallets from the perspective of compliance and
legal professionals
• Guidance to anticipate and guard against risk pitfalls
Exhibitor:
Digital Currency Growing Pains:
Understanding Evolving Compliance Challenges and How to Adapt
Complimentary
Webshop for all Attendees
Watch this online session in person, or from the convenience of your office or mobile device, to
benefit from a snapshot of the key risk areas in digital currency, and trends to watch in the rapidly
developing Bitcoin bankruptcies and class actions.
Register Now • 1-877-927-7936 • www.CanadianInstitute.com/PaymentsCompliance
@CI_FICompliance #CIPayments
Remain Compliant and Stay Ahead of the Competition!
Elevate and Innovate
Your Payments Compliance Programs
As developments in the industry evolve with news of emerging technologies
developing at a rapid pace arriving almost daily, along with the regulators reviewing
and revising regulatory obligations, the impact on industry stakeholders is massive.
Now more than ever, ensure you have your compliance essentials, plus the cuttingedge insight into this industry from the key stakeholders and regulators to move your
organization forward!
The Canadian Institute’s 9th Annual Payments Compliance is designed for all
stakeholders in the payment systems and card arena, plus new market entrants, to
gain crucial strategies for:
3 Managing increased FCAC scrutiny
3Improving the security and privacy of payment card data
3 Developing practical solutions and guidelines to combat fraud in payment
systems
3 Successfully incorporating the Code of Conduct into your compliance
strategies
3Incorporating emerging payment solutions and new technology into
compliance programs
3 Understanding the impact of the Financial Consumer Protection
Framework, and how industry is preparing for change
This is a MUST-attend event for all payments stakeholders! It will be the only
Canadian Institute Payments event in 2014. Our Compliance, Prepaid Cards, and
Innovations events in the payments space have been rolled into this comprehensive
and in-depth event for your convenience.
Based on last year’s response from the market, spaces will fill up quickly! Register
now and save your seat by calling 1-877-927-7936 or by visiting our website at
www.CanadianInstitute.com/PaymentsCompliance.
We look forward to welcoming you to the conference in May!
Who You Will Meet
From Financial Institutions
• Vice President
• Legal Counsel
• Compliance Managers
• Privacy Officers
• Brand, Marketing and
Business Development
Managers
• Anti-money Laundering
Officers
• E-Commerce Managers
• Mobile Payments
Managers
• Directors of Card Services
From Payment Card Issuing
Organizations, including
Retailers:
• Legal Counsel
• Directors of Card Services
• Pre-Paid Cards Managers
• Compliance Manager
• Mobile Payments Manager
From Law Firms:
• Banking/Financial Services
• Corporate Commercial Law
• E-Commerce Law
• Technology Law
• Privacy Law
From Acquirers:
• Legal Counsel
• Risk Managers
• Business Development
Managers
From Government
and Regulatory Bodies:
• Legal Counsel
• Managers of Compliance/
Enforcement
• Policy Advisors
From Emerging Payment
Services:
•President
•Legal Counsel
From Consumer and Retailer
Advocacy Groups:
• President/ Director
• Policy Advisors
Speaker Faculty
Co-Chairs
David Florio
Partner, Advisory Services
Grant Thornton LLP
Les Riedl
Senior Managing Partner
Bank Solutions Group, LLC
Speakers
Representative
FCAC
Elaine Cormack
Vice-President Legal
HSBC Financial Canada
Andrea Cotroneo
Vice President, Canada Region Counsel
MasterCard
Jeppe Dorff
VP Transaction Services, Emerging Business
Rogers
David Eason
CEO
Berkley Payment Solutions
Bashir S. Fancy
Managing Director
Corporate Solutions & Services Inc.
Chris Gardner
Vice President, Partner Engagement
SecureKey
Benjamin Geva
Counsel, Torys LLP
Law Professor, Osgoode Hall Law School,
York University
Pervees Faisal Islam
Chief Compliance Officer, Buttercoin
Dawn Jetten
Partner
Blake Cassels & Graydon LLP
Ritu Khanna
Head, Global Core Payments
PayPal Canada
Vipul Lalka
Senior Manager
Monitor Deloitte
Don Mercer
Vice-President
Consumers Council of Canada
Lisa Abe-Oldenburg
Partner
Bennett Jones LLP
Ferhan Patel
CCO, Director of Risk and Compliance
Payza
Mike Vaselenak
Lead Analyst
VCS Technologies Inc.
Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance
IN-DEPTH TRAINING SESSIONS
Monday, May 26, 2014
9:00 a.m. – 1:00 p.m. (Registration opens at 8:30 a.m.)
E-Wallets Intensive:
Getting Under the Hood of a Digital Wallet:
Key Features and Risk Mitigation Solutions

Take-Away: Learn strategies that have worked to make Payza's
e-wallet platform highly secure and how this can help you frame
and develop your own strategies for safe, compliant and strong
payments solutions.
Ferhan Patel
CCO, Director of Risk and Compliance
Payza
Plans for new e-wallets are underway by a variety of market
participants, but understanding them from the perspective of
a compliance and legal perspective can seem like a daunting
challenge. In order to ensure that risks are minmized, it is important
to have a solid understanding of the key principles and features
involved in digital wallets. Payza is one of the world's leading
global online payment platforms specializing in e-commerce
processing, corporate disbursements and remittances.
• Understanding the key features of mobile wallets
• Assessing the benefits of an e-wallet versus a bank account
• Weighing the associated risks of moving to a new system
•In-depth analysis of current and future risk mitigation controls
Meet Ferhan Patel
As Payza’s Chief Compliance Officer and Director of Global Risk
and Compliance, Ferhan oversees the Risk, Fraud and Compliance
Departments. Ferhan’s responsibilities include the development and
implementation of the company’s AML/CTF, Compliance, Fraud
and Risk Mitigation policies. Ferhan is recognized as a Financial
Crime Expert with robust product design knowledge and is actively
involved in the product lifecycle ensuring that compliance is built
in and not bolted on.
* A light lunch will be provided to those attending both the
morning and afternoon training sessions.
Legal Accreditation
This program can be applied towards 9 of the 12 hours
EARN
of annual Continuing Professional Development
(CPD) required by the Law Society of Upper Canada.
Please note that these CPD hours are not accredited
hours
for the New Member Requirement.
This program has been approved by the Law Society of Saskatchewan
for 11 CPD hours for the conference. Members will also receive 4
additional CPD credit hours for the attendance at the training session.
The same number of hours may be applied toward your continuing
legal education requirements in British Columbia.
The Barreau du Quebec automatically recognizes the same number
of hours for this training activity, the latter having been accredited by
another Law Society subject to MCLE.
Attendance at this program by members of the Law Society of Alberta
may be submitted to the Law Society for Continuing Professional
Development credits.
Complimentary
Webshop for all Attendees
Choose your preferred forum,
either in person or as a webshop:
2:00 – 4:00 p.m. (Registration opens at 1:30 p.m.)
Ditigal Currency Growing Pains:
Understanding Evolving Compliance Challenges
and How to Adapt
Understand the tumultuous Bitcoin saga,
 Take-aways:
bankruptcies and class action lawsuits. Learn about the tools
available for AML compliance and other implementation
andmonitoring solutions
Pervees Faisal Islam
Chief Compliance Officer
Buttercoin
Ferhan Patel
CCO, Director of Risk and Compliance
Payza
With Mt. Gox, once the world’s largest Bitcoin exchange,
recently filing for bankruptcy amid reports that hackers
had absconded with $473 million in Bitcoin, and litigators
launching class action lawsuits, the media spotlight is squarely
on the digital currency arena. Regulation of Bitcoin and
its derivatives continues to be a murky and confusing area.
Regulators including the U.S. Commodity Futures Trading
Commission are considering if and how to oversee derivatives
linked to Bitcoin and other digital currencies. What do you
need to know that can impact compliance or hinder innovation?
Meet Pervees Islam
Buttercoin is a Google-Ventures backed cryptocurrency platform,
that develops and distributes products and services for traders,
financial institutions and business participants to accept, receive
and process bitcoin. Buttercoin is currently helping institutional
clients in over a dozen countries implement a bitcoin solution for
their local market.
As CCO, Faisal oversees the Global Compliance & AML program
throughout Buttercoin's various business lines across 3 continents.
Faisal's motto is "Compliance is not a guideline set, it's a mindset."
CPD
What is a Webshop? —
Information at Your Fingertips
You can participate in each concise session live online as it happens – right from
your office, home or mobile device – with the ability to pose questions in real
time. You will also get access to the recorded videos which you can listen to or
view at your convenience.
Connect with us
@CI_FICompliance and use #CIPayments
Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance
DAY 1
Tuesday, May 27, 2014
CC – Core Compliance
CS – Case Study
IN – Innovation
Registration Opens and Coffee Served
8:00 Is There An App for That? Balancing Risk Against Innovation in Leveraging New Technologies
Take-Away: Benchmark your compliance program with current mobile regulations to expose weaknesses, mitigate risk and ensure compliance
 with
the applicable rules.
9:00
CC
How to Strategically Integrate Emerging Mobile
Apps and Advances in Mobile Payment Systems
into Your Existing Organizational Framework
IN
Market Climate and Global Trends in Cloud-Based
NFC Mobile Payments
Elaine Cormack
Vice-President Legal
HSBC Financial Canada
Chris Gardner
Vice President, Partner Engagement
SecureKey
•Identifying regulatory priorities in the rapidly advancing
mobile space
• Superior risk mitigation strategies when incorporating
new payment methods into your compliance plan
- Understanding where liability falls for security breaches
in mobile
• Key considerations when negotiating agreements in the
emerging mobile space
• What are the troublesome challenges to networks and
traditional payment methods:
- mobile technology,
- alternate payment methods and digital currency,
- tokenization and the emergence of alternative payment
methods and networks
- How all of this innovation can be seamlessly and
successfully incorporated into your compliance plan
•In-depth analysis of mobile addendum to the voluntary
code of conduct
- Assessing the implications of ignoring non-traditional
payment issues
- How they are regulated
A concise and practical examination of challenges with NFC and
the cloud from the perspective of the technology provider that was
recently chosen by the Royal Canadian Mint to authenticate its
new MintChip cloud-based digital currency.
10:00
CS
10:45
• Guidance to ensure your compliance plan is up to date
and prepared to accommodate the latest payment mobile
technology
•Innovative strategies to surmount challenges in mobile
developments
• Solutions to seamlessly incorporate emerging systems into
your organization’s risk mitigation plan
• Couponing and the digital wallet: key considerations
regarding ownership of customer data and timing of
coupon issuance to digital wallets
11:30 Networking Coffee Break
11:45
Payment Innovations Intimate Roundtables
Ritu Khanna
Head, Global Core Payments
PayPal Canada
Learning from Experience: Telecom Companies
as Active Players in the Payments Industry
Chris Gardner
Vice President, Partner Engagement
SecureKey
Jeppe Dorff
VP Transaction Services, Emerging Business
Rogers
Ferhan Patel
CCO, Director of Risk and Compliance
Payza
Hear directly from Rogers about their strategic business trajectory
for mobile payments and banking:
Learn the latest technology innovations in the payments industry,
to help assess and prioritize the compliance and business initiatives
your organization should be preparing for in the short term.
• Learn what your competitors in the telecom space are
successfully executing in response to rapidly advancing
compliance threats
• Gain insight into upcoming developments to effectively
plan your priorities
• Use lessons learned to build or refine your comprehensive
compliance plan while remaining competitive and
increasing your market share
This interactive session allows you to hear directly from key players
in the payments innovation universe, and understand their
concerns, strategies and trends that are in their line of sight. Have
your specific questions answered and learn about new technologies
in the payments space that can help your organization grow and
remain competitive.
Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance
12:30 Networking Luncheon for Speakers and Delegates
4:00
CC
1:45
Initiatives from the Competition Bureau
and Trends to Watch
• Review of key recent decisions
• Detailed discussion of the Competition Bureau’s challenge
of the marketing of Private Label Cards
• Analysis of potential indirect consequences of Competition
Bureau ruling for merchants, issuers, acquirers and brands
•Obtain an exclusive update on FinPay Committee’s
progress with its mandate and learn what challenges remain
Take-Away: A concise intensive on global initiatives by industry
 leaders
and how the puzzle pieces fit into Canada’s model.
Les Riedl
Senior Managing Partner
Bank Solutions Group, LLC
• Learn unintended consequences of capping interchange
and allow surcharging in Australia, and the potential
implications in Canada
•Update on US interchange, surcharging and EMV working
group
• Gain insight into the challenges faced by UK’s new
payment regulator watchdog, and whether Canada should
consider a similar body
• Discussion of unintended consequences of capping
interchange and allow surcharging in Australia
• Lessons Learned: What can Canada export from these
international examples
- Understanding the New UK watchdog and Future
Applicability in Canada
2:30
CC

Is the Death of the Paper Cheque Upon Us?
Examining Challenges with Image Capture
Payments Exchange
Take-Away: Guide to understanding the technicalities of
remote deposit image technology from the perspective of compliance
and legal professionals, to anticipate and prepare for risk pitfalls.
Benjamin Geva
Counsel, Torys LLP
Law Professor, Osgoode Hall Law School, York University
• Analysis of legal framework surrounding remote deposit
capture image technology, in particular, assessing privacy risks
• Gain essential tools to mitigate exposure to data breaches
and ensure your organization optimizes privacy concerns
related to image capture payments exchange vehicles
• “Cheque-In” on Remote Cheque Deposit: How Is It
Working in Practice?
• What are the top challenges faced by a financial institution
during implementation?
• Lessons learned from financial institutions considering
adoption of remote cheque deposit
• Guidance to develop the essential tools for your remote
deposit capture toolkit
3:00
4:45
Dawn Jetten
Partner
Blake Cassels & Graydon LLP
• Learn strategies on how to create an effective compliance
program that seamlessly adapts to new payment solutions
and products
• Develop unique solutions to help resolve a variety of
payment related questions in your office
• Understand how your innovation team approaches
developing new products and fostering innovation, in
order to structure an effective compliance framework that
seamlessly integrates new products into your plan
• Mitigating risk at the source: Key considerations to
communicate to your company’s innovation team during
their development stage
Joost Houwen
Western Practice Leader, Information Technology Security
Grant Thornton LLP
Merchants and service providers still continue to struggle with
achieving and maintaining PCI DSS compliance. Recent payment
card breaches further underscore how challenging PCI DSS
compliance sustainment can be. This session will explore some
of these challenges and share experiences of merchant and service
provider clients across North America and lessons learned. This
session will also review activities related to PCI DSS version 3.0
and some of the implications to merchants and service providers.
3:45 Networking Coffee Break
Setting Your Compliance Priorities With Diverse
Payment Innovations on the Horizon
Take-Away: Solutions to efficiently work your compliance plan
 around
payment innovation sectors within your organization
The Current State of Payment Card Industry
(PCI) Data Security Standard (DSS) Compliance
Industry Representative
Recent Game-Changing Payment Developments
in the UK, US, and Australia
5:30
Closing Remarks, Conference Adjourns
To receive exclusive discounts, program
updates and offers, join our email list at
www.canadianinstitute.com/emaillist
Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance
DAY 2
Wednesday, May 28, 2014
8:15 Coffee Served
8:45 CC
CC – Core Compliance
Take-away: A critical overview of the applicability of
 compliance
standards in payments, in light of the complex and
changing world of payments related standards agencies.
Mike Vaselenak
Lead Analyst
VCS Technologies Inc.
9:45
11:45
• Update on the consultation process: Key points from a
consumer representation and consumer protection perspective
• Understanding the challenges with not having all payment
forms equally protected
- credit cards, debit cards, mobile payment systems, and
cross-border
• Special considerations for loyalty programs
• Consumer protection in the the use of new currency forms
• Trends: What to watch going forward, to plan your priorities
Representative
Financial Consumer Agency of Canada
10:45
Networking Coffee Break
11:00 CC
Key Anti-Money Laundering Compliance
Challenges with New OSFI Changes on
the Horizon
Representative
Grant Thornton LLP
• Top three issues encountered by OSFI when reviewing
payments business operations
The Latest on Canada's Consumer Protection
Framework
Don Mercer
Vice-President
Consumers Council of Canada
Regulatory Update:
FCAC Priorities and Plan for 2014
• The latest guidance from FCAC on the Code of Conduct
for the Credit and Debit Card Industry in Canada
- Focus on special considerations in mobile payments
• Plain language update from the FCAC on priorities,
including:
- timing and expectations,
- considerations when they start reviewing documents,
- what the critical principles mean,
- guidance on how to make your agreements “plain
language” by simplifying legal wording/concepts,
without losing impact
- Guidance on how the regulator views industry’s use
of multi-vendor guidance for the Code:
- examining grey areas, the main concepts, and key
principles
IN – Innovation
• Gain important tools to address implementation challenges
faced by your organization following the initial compliance
to new OSFI requirements
• Key considerations required by large and smaller scale
financial institutions to monitor success of implementation
of new OSFI requirements, how to ensure you remain
compliant over time
• Learn about OSFI’s recent changes to customer
identification and records programs
• Gauging the impact of regulatory reform on your business,
especially:
- due diligence efforts,
- record keeping, and
- documentation requirements
Compliance With What? Optimizing Your
Payments Products Planning
• What are the key standards in the Canadian payments world?
• Which of these standards apply to your payments products
and services, and when?
• The ‘standards ecosystem’: Identifying standards that
incorporate or encompass standards from other agencies
-Is the phrase “EMV card” a misnomer, especially as we
move to the next generation of smart card issuing and
acquiring?
CS – Case Study
12:30 Networking Luncheon for Speakers and Delegates
1:45
CS
Strategies to Increase Your Market Share
David Eason
CEO
Berkley Payment Solutions
David Eason is responsible for business strategy, corporate
development, and overall company growth at Berkeley. Hear first
hand about the challenges that an active stakeholder faces, and
optimal solutions, to balancing compliance obligations without
losing ground on innovation.
2:15
CC
Tackling Fraud One Data Breach at a Time:
Essential Guidance To Benchmark Your System to
Comply with Privacy Laws
Cyber-security is becoming increasingly complex
 asTake-Away:
we advance at lightning speed with developments of new
technology. Movement into the cloud and mobile space make
security issues paramount for every player in the payments space.
Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance
The existing domestic privacy law landscape protects personal data,
with the added safety of confidentiality requirements, but gaps
exist. Learn how to identify these gaps in your existing framework,
how to anticipate future risk areas and solutions to guard against
compliance breaches.
Lisa Abe-Oldenburg
Partner
Bennett Jones LLP
Bashir S. Fancy
Managing Director
Corporate Solutions & Services Inc.
•Identifying the gaps in domestic privacy legislation to
protect your organization
• Practical strategies to create the most robust and
comprehensive privacy plan tailored for the needs of your
company
• Analysis of electronic cheque kiting in Canada
- Focus on Québec Court of Appeals decisions, which was
accomplished within the confines of CPA rules.
- Understanding who actually “pays” for this type of fraud
• What are the most pressing risks in NFC communications,
especially concerning data or privacy breach exposure
•Insight into Manitoba’s privacy legislation on mandatory
breach notification and whether similar legislation can be
expected in your province
3:15
Networking Coffee Break
3:30
IN
A Snapshot on Evaluating the Business Concerns
of Digital Wallets
Vipul Lalka
Senior Manager
Monitor Deloitte
• Update on the latest developments in digital wallets
• Strategies to manage multiple businesses co-existing in a
single wallet, including:
- who has access to what data?
- who owns the customer?
4:00
Closing Remarks, Conference Concludes
Sponsorship & Exhibition Opportunities
Maximize your organization’s visibility in front of key decision-makers in your
target market. For more information, contact Director of Business Development
Daniel Gellman at 416-927-0718 ext. 7389, toll-free 1-877-927-0718 ext. 7389 or
by email at d.gellman@CanadianInstitute.com.
Top 10
Reasons to Join us at this
One-of-a-Kind Event:
1A thorough review of the regulatory
priorities from FCAC and their implications
to your compliance framework
2
Step-by-step strategies on how to refresh
3
Advice on choosing the right tools to identify,
repair and anticipate areas of risk
with safety, security and privacy in your
and update your compliance programs
compliance programs
4
Lessons learned from the experience of industry
game-changers to benchmark your initiatives
5
Targeted sessions to help you deconstruct and
understand the technicalities of rapidly
advancing technology from the perspective
of compliance and legal professionals
into how leading stakeholders are
6Insight
acquiring market share to help you
plan for strategic business growth
7
An opportunity to train your entire Payments
team, including operations, legal and risk, to be
ready for enterprise-wide compliance
8
Participation by your highest rated speakers
from past events, and even more industry
leaders, for precise and reliable answers to your
questions
9
10
Expanded risk management content
to equip you with the tools necessary to successfully
manage and discharge your due diligence requirements
Case studies for real-world solutions
to your most pressing payments challenges
Supporting Sponsor:
Exhibitor:
Grant Thornton LLP is a leading Canadian accounting
and advisory firm providing audit, tax and advisory
services to private and public organizations. We help
dynamic organizations unlock their potential for
growth by providing meaningful, actionable advice through a broad range of services.
Together with the Quebec firm Raymond Chabot Grant Thornton LLP, Grant
Thornton in Canada has approximately 4,000 people in offices across Canada. Grant
Thornton LLP is a Canadian member of Grant Thornton International Ltd, whose
member firms operate in over 100 countries worldwide. www.grantthornton.ca
The Canadian Payments Association operates the
national infrastructure essential to the movement of
hundreds of billions of dollars across the country each
day. We lead our member financial institutions, businesses, government and the public
in establishing the rules of the payments highway. The CPA's current membership
comprises of virtually all of Canada's bank and non-bank deposit-taking financial
institutions. www.cdnpay.ca
©The Canadian Institute, 2014
Register at 1-877-927-7936 (416-927-7936) or www.CanadianInstitute.com/PaymentsCompliance
May 27 & 28, 2014 • InterContinental Yorkville • Toronto
yo
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+ Mile C ns fo
ore hall r
en
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Top Reasons to Attend
3
Payments Compliance
Solutions to improve cyber-security
and privacy in your payments
system data
3
Best practies to define, prioritize
and mitigate risk
Robust Compliance Strategies and Innovative Business Planning Methods
in a Rapidly Evolving Marketplace
3
Guidance on prioritizing and
integrating regulatory and industry
updates into your compliance regime
3
Gain practical solutions and
guidelines to combat fraud in
payments systems
The Canadian Institute’s 9th Annual Forum on
s
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PaymentsCompliance
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Swift Code: HKBCCATT / Transit #: 10362 / Bank #: 016
You must notify us by email at least 48 hrs in advance if you wish
to send a substitute participant. Delegates may not “share” a pass
between multiple attendees without prior authorization. If you are
unable to find a substitute, please notify The Canadian Institute
in writing no later than 10 days prior to the program date and
a credit voucher will be issued to you for the full amount paid.
Credit Vouchers are valid for 1 year and are redeemable against
any other program by The Canadian Institute. If you prefer, you
may request a refund of fees paid less a 25% service charge. No
credits or refunds will be given for cancellations received after 10
days prior to the program date. The Canadian Institute reserves
the right to cancel any program it deems necessary and will, in
such event, make a full refund of any registration fee, but will
not be responsible for airfare, hotel or other costs incurred by
registrants. No liability is assumed by The Canadian Institute for
changes in program date, content, speakers or venue.
Call 1-877-927-7936 for Group
or Special Industry Pricing Options