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J A N U A R Y 2 0 1 6

SHAZAM’s 2016 Forum ������������������������������������������������������������������������������������������2

Holiday hours for client support �����������������������������������������������������������������������������3

SHAZAM’s celebrating 40 years of service �������������������������������������������������������������3

Post-holiday marketing is key ���������������������������������������������������������������������������������4

MasterCard breach reimbursements changing Jan� 1 ��������������������������������������������5

Prevent fraud in 2016 ��������������������������������������������������������������������������������������������6

Stay informed about latest product vulnerabilities �������������������������������������������������9

Tips for creating an effective security awareness program �����������������������������������10

Detailed descriptions a must for Reason Code 30 Visa chargebacks �������������������12

Visa OCT payments immediately credited ������������������������������������������������������������13

Remember to delete inactive SHAZAM Access user profiles ���������������������������������16

Screen merchants and check OFAC sanctions list ������������������������������������������������17

USDA names Iowa bank as top business lender ���������������������������������������������������18

Mark your calendar for a free fraud webinar in February ��������������������������������������19

SHAZAM’s 2016 training schedule �����������������������������������������������������������������������20

‘Indulge in Rewards’ winners ��������������������������������������������������������������������������������21

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des moines marriott downtown

april 12–14

shazam.net/forum

featured speakers

add SHAZAM’s 2016 Forum to your calendar

Luke Williams Disrupt: Sparking Business Transformation with Innovation

Greg Schwem Work, Laugh, Repeat

Luke Williams is an expert of business strategy and all things innovation. He works with organizations to identify challenges, including the creation of new products and services and the transformation of organization behavior and processes. He has been featured in Bloomberg BusinessWeek, Fast Company, The Atlantic and The Wall Street Journal. SHAZAM’s 2016 Forum will be here before you know it, so be sure

to add it to your list of “must attend” conferences. We have a full schedule of industry experts ready to share valuable information to keep your organization operating successfully. You won’t want to miss this great opportunity to learn, network with industry peers and have a great time!

Register for SHAZAM’s 2016 Forum by January 31 and save money! The discounted rate is $250 for the first person and $150 for each additional person from your institution. After January 31 fees will go up. Hurry, you don’t want to miss this great deal!

Visit shazam.net/forum to register and learn more

about SHAZAM’s 2016 Forum.

The Chicago Tribune recently proclaimed Greg Schwem, “King of the hill in the growing world of corporate comedy.” His humorous take on the 21st century workplace and work/life balance has landed him on SIRIUS Radio, FOX News, the Huffington Post and the pages of Parents Magazine. More than just a business humorist, Greg is also an author, award winning greeting card writer and nationally syndicated humor columnist.

Liz Little, fraud consultant Putting Fraud to the Fire

Are you maximizing your fraud prevention efforts? In this session you’ll learn many of the common ways fraudsters are gathering card information and what you can do to prevent it. Liz will also go over the compromised card process, changes to MasterCard® and Visa®

reimbursement programs, product enhancements and more.

Manish Nathwani, vp product developmentThe Candy Store Syndrome of Mobile Wallets

During this session, Manish will discuss several mobile wallet technologies and important information issuers and merchant acquirers should consider before moving ahead. Gain knowledge about the mobile wallet transaction flow, discuss acceptance issues and learn about SHAZAM’s current mobile wallet technology support and where we’re headed.

register today and save

1.31.16

$250 $300

$150 $200

*From the same financial institution

pricing details after 1.31.16

SHAZAM’s 2016 Forum

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March 22, 2016, is SHAZAM’s 40th anniversary! We’re grateful for our role in delivering unlimited possibilities to our members, participants and partners since 1976, and we’re proud of our mission to strengthen community financial institutions now and in the future!

Leading up to this milestone occasion, we’ll be taking you on a journey of SHAZAM’s past, present and future in a three-part article series.

The first article will focus on the history of the SHAZAM Network. We’ll take a look at where SHAZAM has been and share highlights from over the years. Look for the first article in the February issue of Spotlight on Service!

SHAZAM’s celebrating 40 years of service

Products and Services

Holiday hours for client supportNew Year’s Eve Thursday, Dec. 31 7:30 a.m.–7 p.m. CT

New Year’s Day Friday, Jan. 1 7:30 a.m.–9 p.m. CT

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If you’re like most financial institutions, you’ve just wrapped up a busy holiday season filled with marketing campaigns and promotions to increase debit card usage. You may even feel it’s time to take a break.

However, the post-holiday season is an ideal time to capitalize on increased card usage and inspire a continued preference for your products and services.

SHAZAM makes it easy to promote your brand year-round with a variety of options, from turnkey marketing materials to complete marketing agency services.

Turnkey marketing campaigns The SHAZAM Power Marketing website provides a wealth of ready-made materials to continue your marketing efforts into the new year. Many low-cost, turnkey marketing campaigns and free materials are available at your fingertips.

Placing an order is easy — visit the SHAZAM Power Marketing website today.

Complete marketing agency services Your partnership with SHAZAM gives you access to an entire team of experienced, award-winning marketing professionals who provide top-tier agency services at rates that won’t break your budget.

We work with community financial institutions every day, so we understand your business very well. Our team has decades of combined experience creating eye-catching, unique and effective marketing materials that will build your brand, align with your business strategies and reach the right audiences.

Tell us about your goals and we can help you create a plan to promote all your products and services, including debit and credit services, checking and savings accounts, home mortgages, auto loans, business and agricultural loans, investment services and more!

Post-holiday marketing is keyBuild on increased card usage to promote your brand in the new year.

Call SHAZAM Marketing Services (SMS) today at 855-316-9378 or email sms@shazam.net to learn how we can help you maximize your marketing budget and achieve your goals in the year ahead.

F o r m o r e i n f o r m a t i o n

Products and Services

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MasterCard has announced changes to its account data compromise (ADC) reimbursement program that affects magnetic-stripe-only cards beginning Jan. 1, 2016.

After a thorough review of MasterCard’s new ADC reimbursement program, the interests of our MasterCard institutions and past reimbursements from MasterCard, SHAZAM has opted out of the new program for our members. This affects all of our MasterCard issuers except those contacted directly by MasterCard.

As a result of opting out:

• Your institution retains the right to take or join legal action against either MasterCard or a merchant identified to have had a data breach after Jan. 1, 2016. Issuers that opted in to the new program forfeited this right.

• Starting Jan. 1, 2016, MasterCard won’t partially reimburse your institution for fraud losses and operational expenses for magnetic-stripe-only primary account numbers (PANs) identified in a Track 2 data breach occurring after Jan. 1, 2016. SHAZAM’s analysis confirmed these reimbursements have been small and infrequent for our members. In addition, MasterCard has announced it will discontinue these reimbursements for all of its issuers at a future date, even for those opting into its program.

Please note: SHAZAM will continue to send your institution compromised card alerts that affect your cardholders.

For more informationIf you have any questions, please call SHAZAM fraud operations at 800-537-5427, ext. 2899.

MasterCard breach reimbursements changing Jan. 1

Fraud and Risk Management

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Falcon Fraud Manager Using tools such as FICO® Falcon® Fraud Manager with SHAZAM Case Management services, we can quickly identify potentially fraudulent activity, contact your cardholders and secure the accounts.

SHAZAM monitors fraud trends and writes specialty rules to address specific trends. We can also work individually with you to address fraud trends that may be unique to your institution or geographic area.

Falcon real-time scoring By adding Falcon real-time scoring to the case management product, you can see even greater fraud savings.

Falcon real-time scoring analyzes the high-risk transaction types and potentially declines them on the spot. If you haven’t already had SHAZAM review your Falcon real-time settings, now is the time to do so!

As a default, all users are set with a Falcon real-time threshold score of 990 and to score “conditional” activity, which includes any transaction over $100 and all Internet and international transactions.

SHAZAM can help you find a better, lower threshold score that will catch and decline more fraud with minimal impact to valid activity; just ask!

Additionally, institutions that score 100 percent of their transaction activity, rather than just the conditional transactions, qualify for lower pricing for Falcon. Contact your SHAZAM account executive to discuss what’s best for your financial institution.

SHAZAM Card Block SHAZAM Card Block, a feature available in SHAZAM Access, allows you to react quickly and effectively to fraud trends by blocking certain transactions based on the country, state, merchant category code (MCC) or dollar amount. Using this product in combination with Falcon allows you to minimize fraud losses and provide the ultimate security to your cardholders.

SHAZAM BOLT$ If you aren’t offering SHAZAM® BOLT$

™ to your cardholders, you should be! SHAZAM BOLT$ is a free mobile alerting app that notifies your cardholders of certain activity, such as Internet transactions, international transactions or transactions over a certain dollar amount, based on settings they choose in the mobile app.

SHAZAM BOLT$ subscribers also receive an email when a Falcon case is created. The alert provides SHAZAM’s toll-free telephone number. This can be very effective for cardholders who travel.

Prevent fraud in 2016As the new year approaches, it’s a good time to evaluate the array of products, services and reports SHAZAM provides to help reduce your fraud losses. If you aren’t taking advantage of these services, now’s the time to sign up!

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The newest feature to the SHAZAM BOLT$ line of defense is Transaction Control. Adding this service allows your cardholders to control when their card can be used. Turning Transaction Control on puts a temporary block on the account and transactions are declined. Cardholders can then turn Transaction Control off when they need to use their card, effectively putting the control of their cards in their hands!

Chip cardsBased on the experience of other countries that have implemented EMV technology, we expect to see a dramatic drop in counterfeit fraud activity, but an increase in card-not-present (CNP) fraud.

SHAZAM currently monitors CNP fraud; in fact, SHAZAM has more than 60 global rules that address various CNP fraud trends.

You can help to reduce this fraud in a number of ways:

• Make sure your institution is enrolled in either MasterCard® SecureCode® or Verified by Visa®. These services allow your cardholders to establish unique and secure passwords for Internet purchases. If a transaction occurs at a non-

participating merchant, you’ll likely be able to charge back any fraudulent purchases.

• Remind your cardholders never to provide any personal information to anyone who calls or emails them and asks for it.

• Use the SHAZAM Travel Notice form through SHAZAM

® Web Rep if your cardholder will be making multiple or large Internet purchases. Simply select Internet Purchases from the drop-down menu in the Travel Location field.

• Ensure your institution is set up with Card Activation and Enhanced Expiration Date Checking. This ensures only an activated card with the correct expiration date can be used for a successful transaction.

• Use SHAZAM’s anti-fraud marketing materials to help educate your cardholders.

Daily limits Review your daily limit setting for the new year. Remember that whatever the daily limit, that’s what you potentially may see in fraud losses. Keeping your cardholder daily limits low but manageable can prevent large losses for you and inconvenience for your cardholders.

SHAZAM Security/Fraud Activity (SCD020) reportThe daily SCD020 report identifies several criteria that may indicate suspicious activity is occurring. If you haven’t yet signed up for Falcon services, please monitor this report to help reduce fraud losses.

For more information For more information on these products and services or the latest fraud trends, visit the Fraud Watch page in SHAZAM Access.

For pricing and implementation details, please contact your SHAZAM account executive.

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Take a look at the resources SHAZAM provides each quarter to ensure you’re doing all you can to minimize fraud losses. You’ll receive each of these lists in early January for the fourth quarter of 2015.

ListsEach quarter, SHAZAM provides the following lists:

• Primary account number (PAN)-level blocks (SHAZAM Card Block) — These may be PANs that needed to use cards in an area where you have a BIN-level block, or they could be blocking a merchant unique to your cardholder. Regardless, SHAZAM recommends reviewing these PAN-level blocks to make sure they’re still needed, as there are monthly fees.

• PANs excluded from all BIN-level blocks (SHAZAM Card Block) — This is a list of PANs you’ve excluded from all of your BIN-level blocks. These also should be reviewed to see if they can be set back at the BIN level, as there are monthly fees for PAN exclusions.

• Falcon real-time permanent exclusions — These are PANs permanently removed from the Falcon real-time system at your request, preventing the PAN from ever receiving a Falcon real-time decline (102). These accounts are still monitored in Falcon and a case may be created that qualifies for a temporary card block. There’s no fee for PANs on this list, but your institution incurs some fraud risk, as we won’t block any transaction that appears to be fraud.

• Falcon case management and real-time permanent exclusions — These PANs have been removed from the Falcon system completely at your request. SHAZAM isn’t monitoring any activity on these PANs. There’s no fee for PANs on this list, but your institution incurs a high level of risk on these PANs that aren’t being monitored.

Fraud settings• Falcon real-time — The new year is a good time to

review your Falcon real-time settings to make sure you’re at the optimal real-time threshold score and scoring environment.

• BIN-level blocks — In addition to reviewing the PAN-level exceptions in SHAZAM Card Block, the new year is a good time to review what BIN-level blocks you have to make sure they’re still helping to reduce fraud. If the fraud has changed, your BIN-level settings may have stopped preventing fraud and could be causing cardholder inconvenience on valid purchases. You can review the Cardholder Exception Journal (SSR100-R) report to review your BIN-block declines.

• Falcon email group — If you have a group email address for Falcon case alerts, ensure it includes the correct people and their current email addresses. If you need to change your Falcon email address, send a request with the new email address to cisfalcon@shazam.net. Please note: SHAZAM can’t edit members of your Falcon email group; you’ll need to handle that at your financial institution.

• SHAZAM contacts — Make sure we have the correct people identified at your institution to receive important fraud information. We also recommend establishing an after-hours SHAZAM fraud contact. Review and edit your SHAZAM contacts in SHAZAM

® Web Rep.

Keeping your settings and exceptions current will help you stay on top of fraud trends and keep your costs and losses to a minimum.

If you have any questions, please call SHAZAM fraud operations at 800-537-5427, ext. 2899.

F r a u d r e s o u r c e s

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Fraud and Risk Management

To stay in the loop about security weaknesses for the software and products you use, consider subscribing to the U.S. Computer Emergency Readiness Team (US-CERT)’s Cyber Security Bulletin.

This weekly bulletin summarizes the latest vulnerabilities recorded by the National Institute of Standards and Technology (NIST) National Vulnerability Database (NVD). The vulnerabilities are organized according to severity, from high to low. The list also provides patch information when available. Here’s a recent bulletin you can view as an example.

Subscribe to the bulletinReceiving the US-CERT bulletin is free. Simply go to the US-CERT’s Mailing Lists and Feeds page to see the subscription options. You can subscribe to an RSS feed, or click the “subscription system” link to sign up for emails.

Stay informed about latest product vulnerabilities

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Fraud and Risk Management

Why is it important for your institution to have a security awareness program for your employees? Answering that question is the first step toward developing a quality program.

Employees can be an organization’s weakest links when it comes to security. Providing quality awareness training is the best way to prevent your workers from causing a security threat. It needs to be engaging and foster a sense of “we’re in this together” to be effective.

A recent article in the Trustwave Blog, “9 Ways to Create a Security Awareness Program People Won’t Hate,” provided the following tips for creating an effective security awareness program.

Establish advocates and achieve buy-inGain support for your initiative and key objectives. Create a steering committee with advocates from each department, including senior management. Be sure to include your company’s marketing and communication professionals, who can help craft clear messaging.

Narrow your focusIdentify what matters most to your organization and focus on those areas of risk.

Connect to real-life attacksUse concrete examples to add legitimacy to your security awareness education efforts. Some companies even show live attacks happening on their networks to further hammer home the message.

Make it about themMany of the topics you’ll be addressing will be things employees are also familiar with when they’re not at work, such as using passwords, mobile devices and social media sites. If they can apply what they learn at the office to their personal lives, they’ll be more likely to remember it.

Execute mock attacks to establish effectivenessStage simulated social engineering attacks (penetration tests) to assess whether the number of employees falling for them is dropping. Communicate your plans before any testing is done, but far enough out that it’s still a surprise, to avoid making your employees feel violated.

Raise their emotional commitmentEmployees want to do what’s right for the company, yet often don’t consider the problems that can result from their security transgressions. Demonstrate for employees how poor

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security practices can harm the company and clearly articulate the level of risk their actions carry.

Be flexibleCertain audiences may not feel they’re in need of training, so it’s important to customize your message for different groups.

Reward the top dogsIncentives help encourage behavior changes, and some companies have turned to using gamification to make security awareness education more compelling.

For example: You can award points (and prizes) to employees who flag a phishing message, while developers can compete over who can locate the most security vulnerabilities. On the flip side, employees who regularly engage in unsafe computing behavior need to hear about it, too.

Reinforce the messageMost experts agree training courses won’t have much effect if they’re only conducted once a year.

It’s important not to overdo it, but reinforcement of key points is important and that can be accomplished through refresher sessions, as well as through mediums like blogs, posters and newsletters.

Contact our SHAZAM Secure team for help implementing your own security awareness program or evaluating the effectiveness of your existing program.

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Fraud and Risk Management

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Fraud and Risk Management

When initiating chargebacks under Reason Code 30 — Services Not Provided or Merchandise Not Received, Visa® issuers must provide detailed descriptions of the merchandise or services purchased by the cardholder at the chargeback stage (unless prohibited by local law).

A valid, detailed description is defined as information beyond the merchant category code (MCC), beyond the merchant name or not otherwise readily available in the clearing and settlement records.

The issuer should first determine exactly what merchandise or services the cardholder expected to receive from the merchant. Merchants can bill for many services outside of the MCC description. For example: Major airlines bill not only for airline tickets and upgrade fees, but also for in-flight snacks or services. Hotel chains bill for hotel stays and room service, as well as event tickets, restaurants and mini-bars.

Issuers must provide as many details in their descriptions as possible.

Here are a few examples of complete descriptions:

• Hotel stay in Miami from Jan. 2 to Jan. 5, 2013

• Restaurant charge at the hotel

• Passenger railway passes from Paris to London

Using “merchandise” if the merchant is a merchandise retailer or “tickets” if the merchant provides tickets for bus and railway transportation, for example, is considered insufficient detail. Failing to provide a complete description of purchased merchandise or services may result in an unfavorable ruling for the issuer.

For more informationIf you have any questions, please call SHAZAM client support at 800-537-5427 (options 4, 3) or submit a service request online using SHAZAM

® Web Rep.

Detailed descriptions a must for Reason Code 30 Visa chargebacks

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On Oct. 16, 2015, Visa® extended the global Original Credit Transaction (OCT) receipt mandate that OCTs be credited 100 percent to cardholders within 30 minutes of receipt to include all U.S. Visa debit and prepaid issuers. In addition, Visa is sending OCTs through its PIN-debit network, Interlink®. Please note: This mandate is for the receiving side only.

As required by Visa, SHAZAM enrolled all Visa issuers in Visa Fast Funds.

Visa issuers that participate in SHAZAM’s Card Authorization Service (CAS) have OCTs immediately credited to the available balances used for transaction processing.

Visa issuers that use an online processor for transaction processing are responsible for ensuring their processor immediately credits funds to cardholders.

Updated OCT descriptionVisa is changing the sender name from “Visa Transfer” to “Visa Direct.” You’ll begin seeing Visa Direct in SHAZAM Access Transaction History, the Cardholder Institution Activity (SSR110) report under the TERM LOC section, the raw data file and the posting file.

New business application identifers (BAIs)Visa added the following BAIs under a new OCT category, Funds Disbursements. This type of OCT enables merchants, government

entities or corporations to send funds to a consumer’s Visa account.

Examples include:

• Insurance claims

• Corporate and manufacturing rebates

• Affiliate and contractor payouts

• Expense reimbursements

• Government disbursements (such as value-added tax refunds).

You’ll see these displayed in SHAZAM Access Transaction History in the BAI field, and they’re used to determine velocity limit checking (see below).

• FD (funds disbursement)

• GD (government disbursement)

• MD (merchant disbursement)

Velocity limit checking Visa has increased the per-transaction limit for domestic OCTs for account-to-account (AA) and person-to-person (PP) transfers from $2,500 to $10,000.

Visa rules state that cardholders can receive up to $100,000 per day (as long as no one transaction is greater than $10,000) with no velocity limits set.

If you aren’t already taking advantage of Visa’s free velocity limit checking service, Visa can enable velocity limit checking at the bank identification number (BIN) level. To enroll in this optional service, email SHAZAM customer implementation and support (CIS) or fax your request to 800-267-0549.

This service allows you to designate limits for your cardholders based on total volume and cumulative maximum amounts over certain periods of time. Velocity limits can be set at one-day, seven-day and 30-day transaction levels.

For example: Your financial institution can set velocity limits so your cardholders can only receive five transactions totaling between $2,500 and $250,000 in a seven-day time period.

Visa OCT payments immediately credited

If you aren’t already taking advantage of Visa’s free velocity limit checking service, Visa can enable velocity limit checking at the bank identification number (BIN) level. To enroll in this optional service, email SHAZAM customer implementation and support (CIS) or fax your request to 800-267-0549.

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Cards

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Identifying OCT transactionsIn SHAZAM Access Transaction History, under the Issuer Information heading, the existing Cardholder Present Code field will indicate a value of “T” for a cardholder-not-present money transfer.

Under the Visa Information section of Transaction History, there are three fields you can use to identify OCTs:

• Process Code — The first two positions of this field contain a value of 26 for OCTs.

• Business Application ID — This field displays one of the following values for OCTs:

• AA (account-to-account transfer)

• PP (person-to-person transfer)

• FD (funds disbursement)

• GD (government disbursement) or MD (merchant disbursement)

• Velocity Limit Check Service Result — If your financial institution is enrolled in Visa’s Velocity Limit Check Service and a velocity limit is exceeded, this field displays one of the following values for OCT transactions:

• 1 (one-day count or amount exceeded)

MasterCard® mandated that all MasterCard, Maestro® and Cirrus® cardholders be able to receive money transfer credit transactions as of Oct. 17, 2014.

All SHAZAM issuers and issuer processors should be receiving, processing and authorizing MoneySend™ transactions. Please note: Financial institutions aren’t required to originate MoneySend transactions.

MasterCard monitors issuer processors supporting MoneySend to ensure issuers are meeting a 75 percent approval rate for MoneySend transactions. Per MasterCard requirements, declines are allowed for processing rules only, such as hot-carding cards or no card record. MoneySend transactions can’t be arbitrarily declined.

Issuers failing to meet MasterCard’s requirements may be subject to a fee from MasterCard of $2,500 per month, per routing number.

Identifying MoneySend transactionsAll funds must be made available to the recipient within 30 minutes of the approval of the request.

The following are key processing points affecting your financial institution:

Single-message MoneySend • Issuer processors receive a deposit transaction (processing code 21)

with a “T” for Money Transfer in the Cardholder Present Code field (position 5, DE 22 — Point of Service Codes)

• Transactions appear as a credit to the cardholder in Card Authorization Service (CAS) and CAS Real Time batches with a value of “P2P PMT” in the Transaction Description field of the ACH 7 record at position 3–9

Dual-message MoneySend Please note: This applies only to MasterCard SHAZAM®Chek participants.

• Issuer processors receive a credit adjustment (processing code 22) in the ISO message

• Transactions appear as merchandise returns in CAS and CAS Real Time batches with a value of “42” in the Discretionary Data field at position 76–77

M a s t e r C a r d i s s u e r s m u s t r e c e i v e a n d p r o c e s s M o n e y S e n d t r a n s a c t i o n s

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Cards

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• 2 (seven-day count or amount exceeded)

• 3 (30-day count or amount exceeded)

Balances tab“Money Transfer Deposit” is displayed under the Not Transmitted and Transmitted headings in the SHAZAM Access Balances tab.

Interlink issuersFor Visa issuers who also use Interlink, SHAZAM continues including the following information to support your transactions:

• DE 22 (Point-of-Service Data Code), position 5, contains the value T — SHAZAM Money Transfer

• DE 3 (Processing Codes) contains the value 21 — Deposit

• DE 63.1 (Originating Switch ID) contains the value VIN

For more informationIf you have any questions, please call SHAZAM client support at 800-537-5427 (option 2) or submit a service request online using SHAZAM

® Web Rep.

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Cards

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If you’re a SHAZAM Access administrator, one of your most important responsibilities is to ensure user and administrative permissions are deleted if an employee leaves your financial institution or changes responsibilities.

Make it a habit to do the following:

• Review your SHAZAM Access administrator and user profiles now, each quarter going forward and whenever you have staff turnover. SHAZAM Access administrators can get a list of users by clicking the Admin tab > User > Org Admin View User. You’ll see a list of all SHAZAM Access users if you’re an administrator.

• Assign a new administrator prior to an existing administrator leaving your institution.

• Set up only as many user and administrator profiles as you need.

The first five profiles are free; each additional profile is $1 per month. Please note: Make sure users deleted from SHAZAM Access are also deleted from any group email addresses you’ve provided to SHAZAM.

Deleting a user’s profileTo delete a user’s profile, complete the following steps in SHAZAM Access:

1. Click the Admin tab.

2. Click the Users task.

3. Click Org Admin Delete User.

4. Check the box next to the appropriate users. Org Admins will appear in the user list and can be selected.

5. Click Select.

6. Click either the Yes, No or Cancel button:

• Yes = Delete these users. Result: A confirmation screen will appear. Click OK to return to the main menu.

• No = Don’t delete these users. Result: Return to the Delete User screen so you can select different users.

• Cancel = Don’t delete any users. Result: Return to the main menu.

For more informationFor more information about working with SHAZAM Access user profiles, click Help > Administration (Admin Tab) from any screen within SHAZAM Access.

Remember to delete inactive SHAZAM Access user profiles

SHAZAM Access

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The Discover® Network recently updated its operating rule language regarding merchant screening.

As a reminder, merchant acquirers must screen all of their sponsored merchants and check them against the Office of Foreign Assets Control (OFAC) sanctions list.

You can search the sanctions list online at http://sdnsearch.ofac.treas.gov.

Screen merchants and check OFAC sanctions list

Merchants

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Congratulations to SHAZAM Network participant Cedar Rapids Bank & Trust! The bank was recently recognized as the U.S. Department of Agriculture (USDA) 2015 Business Lender of the Year.

In 2015, Cedar Rapids Bank & Trust accessed $38 million through the Agriculture Department’s business and industry guaranteed loan program to assist seven businesses in three states.

These loan funds leveraged another $45 million in public or private partnerships and allowed local

businesses to expand, become more competitive and create or retain nearly 400 rural jobs in Illinois, Iowa and Missouri. The bank is headquartered in Cedar Rapids, Iowa.

Since 2010, Cedar Rapids Bank & Trust has accessed more than $150 million from the Agriculture Department’s business and industry guaranteed loan program to assist 29 businesses in five states.

The bank was also named the department’s 2012 Business Lender of the Year.

USDA names Iowa bank as top business lender

In the Spotlight

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The SHAZAM fraud operations team hosts free fraud webinars twice a year, in February and August.

The upcoming session, “Understanding Falcon Rules and Scoring,” is scheduled for Feb. 17 from 10 to 11 a.m. CT.

In this session, you’ll learn how FICO® Falcon® Fraud Manager scoring affects case creation, the situations in which Falcon real-time scoring will decline transactions and how SHAZAM’s Falcon rules come into play. There will also be plenty of time dedicated to answering your questions.

The SHAZAM onFraud series gives you the opportunity to discuss fraud topics with SHAZAM experts and get the knowledge you need to fend off fraudsters.

Look for an email invitation in early February to sign up for this session.

If you have any fraud-related questions, you can always call SHAZAM fraud operations at 800-537-5427, ext. 2899.

Mark your calendar for a free fraud webinar in FebruaryBecome a fraud-fighting expert with the SHAZAM onFraud series.

Webinars are a great way to learn without leaving the office. And these fraud webinars are free. It’s a win-win for your budget and your brain.

T h e b e s t t h i n g s i n l i f e a r e f r e e

Training

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Regional seminarsSHAZAM Debit Card and ATM Operations• March 23 — Bloomington, Minnesota

• April 6 — Memphis, Tennessee

• April 20 — Kansas City, Missouri

• May 4 — St. Louis, Missouri

• May 11 — West Des Moines, Iowa

SHAZAM Debit Card Fraud and Chargebacks• Sept. 14 — Memphis, Tennessee

• Sept. 28 — St. Louis, Missouri

• Oct. 12 — Bloomington, Minnesota

• Oct. 19 — Kansas City, Missouri

• Oct. 27 — West Des Moines, Iowa

SHAZAM’s 2016 training scheduleAs the new year approaches, it’s the perfect time to start thinking about what training you might need in 2016.

To help, we’re providing SHAZAM’s 2016 regional seminar and webinar schedule below. Full details, including course descriptions and registration links, are available on the Training Solutions page in SHAZAM Access.

WebinarsFICO® Falcon® and SHAZAM Case Management• Jan. 14 — 1:30–3 p.m. CT

• Jan. 27 — 9:30–11 a.m. CT

SHAZAM Lost and Stolen Cards• Feb. 11 — 9:30–11 a.m. CT

• Feb. 23 — 1:30–3 p.m. CT

SHAZAM Debit Card Fraud• March 10 — 9:30–11:30 a.m. CT

• March 29 — 1:30–3:30 p.m. CT

SHAZAM Chargebacks• April 19 — 9:30–11 a.m. CT

• April 28 — 1:30–3 p.m. CT

SHAZAM PIN-Based Exceptions• June 9 — 9:30–11 a.m. CT

• June 21 — 1:30–3 p.m. CT

SHAZAM Settlement Process and Reports• Sept. 8 — 9:30–11:30 a.m. CT

• Sept. 20 — 1:30–3:30 p.m. CT

SHAZAM Cardholder Balancing• Oct. 6 — 9:30–11 a.m. CT

• Oct. 25 — 1:30–3 p.m. CT

SHAZAM ATM Balancing• Nov. 3 — 9:30–11 a.m. CT

• Nov. 8 — 1:30–3 p.m. CT

Training

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‘Indulge in Rewards’ winners

• Kelsey A. of Coralville, Iowa(Hills Bank and Trust Co.; Hills, Iowa)

• William N. of Muscatine, Iowa(Central State Bank; Muscatine, Iowa)

• Elizabeth E. of Hector, Minnesota(HomeTown Bank; Redwood, Minnesota)

• Wendy H. of Cokato, Minnesota(Citizens Alliance Bank; Clara City, Minnesota)

• Jamie F. of Carroll, Iowa(Commercial Savings Bank; Carroll, Iowa)

• K.eith C. of Hope, Arkansas(Farmers Bank & Trust Co.; Magnolia, Arkansas)

• Pete H. of Fort Stockton, Texas(First National Bank of Stockton; Fort Stockton, Texas)

• CD C. of Hartsburg, Missouri(Mid America Bank; Jefferson City, Missouri)

N o v e m b e r w i n n e r s

Spotlight on Service, winner of 14 awards of publication excellence, provides you with information on the financial services industry. It’s not a definitive analysis of the subjects discussed and is not an alternative to the requirements of any regulatory agency.

To join the Spotlight on Service subscription list, send us your name, account number and email address. We also welcome your questions or comments about the newsletter.

SHAZAM, Inc. 6700 Pioneer ParkwayJohnston, IA 50131 shazam.net | @SHAZAMNetwork

Contacts

Fax numbers Chargebacks 515-558-7614Customer implementation & support 800-267-0549Fraud operations 515-558-7616Merchant services 515-558-7612

Client support Call 800-537-5427 or submita service request in SHAZAM® Web Rep.

About the newsletter

Congratulations to the November monthly winners for SHAZAM’s “Indulge in Rewards” Debit Rewards campaign, which runs October–December 2015. Each of the monthly winners will receive a $50 Gourmet gift card.

Do you want one of your customers to be a lucky winner? To learn how, please call SHAZAM marketing communications at 800-537-5427, ext. 4394, or email SHAZAM Debit Rewards.

Debit Rewards Winners