Visa Business School Catalog=2015

Visa Business School
Course Catalog 2015

Register at www.VisaBusinessSchool.com APRIL 2015 | i
Contents
Welcome to Visa Business School............................................................................................................................................................................................1
Acquiring & Acceptance .............................................................................................................................................................................................................2
Acquirer Business Fundamentals..........................................................................................................................................................................................................................2
Acquirer Risk Management.......................................................................................................................................................................................................................................2
Fundamentals of Card Acceptance for Merchants.....................................................................................................................................................................................3
Introduction to Acquiring..........................................................................................................................................................................................................................................3
Understanding Merchant Acceptance..............................................................................................................................................................................................................4
Understanding the Visa Acquiring Business...................................................................................................................................................................................................4
Bankcard Fundamentals..............................................................................................................................................................................................................5
Diving into Visa Billing Statements.......................................................................................................................................................................................................................5
Fundamentals of Visa Business...............................................................................................................................................................................................................................5
Understanding Interchange ....................................................................................................................................................................................................................................6
Visa Basics.............................................................................................................................................................................................................................................................................6
Visa First ................................................................................................................................................................................................................................................................................7
Bankcard Strategy & Management..........................................................................................................................................................................................8
Card Profitability ..............................................................................................................................................................................................................................................................8
Card Program Management – Level 1 ..............................................................................................................................................................................................................8
Card Program Management – Level 2 ..............................................................................................................................................................................................................9
International Bankcard Management School............................................................................................................................................................................................. 10
Visa Global Challenge................................................................................................................................................................................................................................................ 11
Chargebacks & Disputes...........................................................................................................................................................................................................12
Dispute Resolution Changes................................................................................................................................................................................................................................. 12
Introduction to Chargebacks ............................................................................................................................................................................................................................... 12
Master Dispute Case Filings .................................................................................................................................................................................................................................. 13
Understanding Dispute Resolution ................................................................................................................................................................................................................. 13
Using Visa Resolve Online—For Issuers and Acquirers ........................................................................................................................................................................ 14
Operations & Technology.........................................................................................................................................................................................................15
Chip Impacts on Other Chargebacks ............................................................................................................................................................................................................. 15
Edit Package Fundamentals ................................................................................................................................................................................................................................. 15
eMIQ Overview ............................................................................................................................................................................................................................................................. 16
Financial Reports ......................................................................................................................................................................................................................................................... 16
Implementing Chip with VSDC .......................................................................................................................................................................................................................... 17
Innovation and Security in the Payment System..................................................................................................................................................................................... 17
Managing Authorizations Effectively .............................................................................................................................................................................................................. 18
Stand-In Processing (STIP) Overview............................................................................................................................................................................................................... 18
U.S. EMV Terminal Configuration ....................................................................................................................................................................................................................... 19
Using the Chip Compliance Reporting Tool .............................................................................................................................................................................................. 19
Using the Visa Personalization Assistant (VPA) .......................................................................................................................................................................................... 19

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Using the VPA Simplified Profile Selection Feature ................................................................................................................................................................................ 20
VisaNet Financial Management........................................................................................................................................................................................................................... 20
VisaNet Operations Management..................................................................................................................................................................................................................... 21
VisaNet Overview......................................................................................................................................................................................................................................................... 21
Visa Technical Systems ............................................................................................................................................................................................................................................. 22
Visa Technical Systems (Including“Understanding Edit Package”) .............................................................................................................................................. 22
Working Chip Card Disputes ................................................................................................................................................................................................................................ 23
Products & Marketing................................................................................................................................................................................................................24
Commercial Card Basics........................................................................................................................................................................................................................................... 24
Introduction to Prepaid Cards.............................................................................................................................................................................................................................. 24
Maximizing the Client Life Cycle......................................................................................................................................................................................................................... 25
Portfolio Segmentation ........................................................................................................................................................................................................................................... 25
Visa Commercial Solutions Basic Training..................................................................................................................................................................................................... 26
Visa Debit Product Manager Certification Program................................................................................................................................................................................ 26
Visa IntelliLink Spend Management: A Total Solution........................................................................................................................................................................... 27
Risk & Security..............................................................................................................................................................................................................................28
EMV Chip: When to Test............................................................................................................................................................................................................................................ 28
Fraud Chargebacks...................................................................................................................................................................................................................................................... 28
Improving Issuer Authorization Rates With Visa Consumer Authentication Service ........................................................................................................ 29
Introduction to Fraud Prevention for Issuers............................................................................................................................................................................................... 29
Introduction to Fraud Prevention for Acquirers........................................................................................................................................................................................ 30
Fraud Prevention for Issuers and Acquirers ................................................................................................................................................................................................. 30
PIN Security...................................................................................................................................................................................................................................................................... 31
eCommerce Fraud: Tips and Tools to Manage Your Merchant Fraud Risk ............................................................................................................................... 31
Verified by Visa .............................................................................................................................................................................................................................................................. 32
Visa Risk Performance Tracking (VRPT)........................................................................................................................................................................................................... 32

Register at www.VisaBusinessSchool.com APRIL 2015 | 1
Welcome to Visa Business School
The payment industry is complex, competitive and constantly
evolving to meet the demands of the modern consumer and
keep pace with accelerating innovation. Those organizations
that not only understand the systems and technologies that
drive electronic payments, but also appreciate the environment
and dynamics of their markets, have a natural advantage over
their competition. Visa Business School continually assesses the
industry and the markets to understand key issues and drivers.
From this knowledge comes the ability to deliver training
programs that meet the unique needs of our clients worldwide.
Expert Instructors
With decades of expertise and practical payments experience
gained across every continent in the world, Visa Business School
faculty are uniquely positioned to deliver fresh insights and
relevant strategies and best practices across a wide range of
payment topics. Our faculty consists of Visa specialists who work
every day with clients in the industry, as well as a select group of
external industry experts who can offer additional insights into
the most topical trends and payment techniques.
Choice of Learning Solutions
Visa Business School is committed to“developing leaders in
payments”at all levels – from senior managers and key decision-
makers to card center and operations employees. Whether you
are new to the business or an experienced veteran, our goal is to
provide you with the tools and relevant knowledge you need to
continue to grow your business and career.
We know that the demands of your business can make
it a challenge to find the time for training. That is why we
offer a range of training channels and workshop locations
from which to choose. Browse our catalog or website at
www.VisaBusinessSchool.com for complete descriptions of each
course.
WORKSHOPS
Our faculty conducts nearly 150 scheduled workshops around the world each year that cover key aspects of launching and
managing profitable card programs for both issuers and acquirers. Highly interactive and practical, our courses address the full
spectrum of product, marketing, operational, back office, and risk management best practices and techniques.
SPECIAL EVENTS
Each year, we host two of the industry’s premier training events – the International Bankcard Management School (IBMS) and the
Visa Global Challenge.
IBMS is a challenging, five-day learning opportunity aimed at strengthening your bankcard expertise through a comprehensive
curriculum that combines traditional lecture-based instruction with state-of-the-art multimedia payment simulations.
Visa Global Challenge is a 10-week, team-based, online payment simulation that tracks each competing team’s portfolio
performance over a five-year period in a fictitious marketplace. Teams learn the different levers and business decisions from peers
and industry experts that impact portfolio performance.
ON DEMAND COURSES
One of the most cost-effective and convenient ways to learn the fundamentals, Visa Business School offers a range of online,
self-paced courses on core payment topics. These one-to-three hour e-courses can be launched any time and from anywhere.
Students have a full 30 days to complete a course. It’s an excellent way for organizations to train large number of staff across various
disciplines.
WEBINARS
Similar to on demand courses, our new webinar training channel is designed with convenience in mind. These short, instructor-led
courses give you the opportunity to learn about core or topical issues from the convenience of your desktop, yet still retain the
ability to interact with our skilled instructors. Our webinar schedule is new yet growing. Check our website regularly for updates.
CUSTOM LEARNING
Your business has its own unique challenges and needs. Visa Business School’s custom learning solutions offers flexible,
personalized training that is delivered when and where you need it most. Any of our scheduled courses can be conducted in full
or adapted to your specific requirements. We are happy to deliver training directly in your offices, anywhere in your local market, or
from our own offices. For more information on custom learning, contact us at VisaBusinessSchool@visa.com.
Registration
You can register for any of our courses at www.VisaBusinessSchool.com. Our website contains the most up-to-date information. Visit
regularly as new sessions or courses may be added or changed throughout the year. Note: You will need a Visa Online ID to access
our website. To obtain VOL ID, visit www.VisaOnline.com. If you have questions or want additional information, please email us at
VisaBusinessSchool@visa.com.
Course content may vary by region. Not all courses are available in all regions. Participants should attend courses within their own Visa
region. Please refer to the workshop calendar for course dates and locations.

2015 | Acquiring & Acceptance
2 | APRIL 2015 Register at www.VisaBusinessSchool.com
Acquirer Business Fundamentals
This two-day course is designed to educate acquirers on the
dynamics of processing and its operational functions from a
business perspective. It provides an understanding of the unique
marketing, operations and processing challenges and key factors
that can help reduce costs and improve profitability. The course
covers merchant sales and acquisition practices, common types
of merchant fraud, chargeback processing, emerging payment
technologies, merchant monitoring strategies, and the key
indicators that help in identifying merchant fraud schemes.
Participants will work through a variety of case studies and group
activities for a robust learning experience.
Topics
• What is Acquiring?
• Acquiring Profitability
• Acquirer Business Drivers
• Merchant Marketing and Sales
• Merchant Set-Up and Review
• Authorization, Clearing and Settlement
• Risk Management—Merchant Fraud Prevention
– Merchant Bust-Outs
– Laundering
– Telemarketing Scams
– Skimming Attacks
• Dispute Management
• Information Security
• Emerging Technologies
Who Should Attend
• Management, sales and marketing staff from new acquirers
• New management, sales and marketing staff from existing
acquirers
• Experienced staff who wish to refresh and update their
knowledge of acquiring
Course Type: Workshop
Duration: 2 days
Regions: AP, CEMEA
Acquirer Risk Management
The acquiring fraud risk management program is designed to
provide in-depth training covering key topics on merchant credit
risk, operation risk, dispute resolution, fraud risk and data security.
The course provides insights on policies, processes and controls
specific to acquiring risk management, and the appropriate
techniques and tools to deploy as part of managing acquiring risk
Topics
• Overview of Payment Systems and Risk Management
• Acquiring Controls and Policies - Operational and Risk
Management
• Acquirer Strategy and Organization
• Merchant Underwriting, Contracting and Setup
• Merchant Training, Card Acceptance Procedures, Card Security
Features
• Fraud Prevention Guidelines for Card-Present & Card-Absent
Merchants
• Merchant Activity Monitoring, Risk Monitoring Tools, and
Suspect Activity Response
• Merchant Payments
• Overview of Authorization
• Cardholder Verification and Identification
• Data Security – Payment Applications and Payment Card
Industry Data Security Standards (PCI-DSS)
• Dispute Resolution – Chargeback and Compliance
• Terminal management and controls
• Technologies for Risk Mitigation – EMV, 3-D Secure, Line
Encryption, PIN Transaction Security
• Third-Party Agent Risk Management
• Acquiring Risk - MIS, Performance Measurement, Benchmark
• Scheme rules and risk compliance program
Who Should Attend
• Staff tasked with on-boarding new merchants
• Staff tasked with mitigating fraud losses
Duration: 3 days
Region: AP

Acquiring & Acceptance | 2015
Fundamentals of Card Acceptance for Merchants
Visa Business School is partnering with merchants by delivering
this online course that educates merchants on card acceptance
best practices. This course ensures merchants have the proper
tools and understanding of card acceptance practices for both
card-present and card-absent environments. Merchants will
benefit from this course by learning to:
• Reduce losses from errors and theft
• Reduce time spent on managing cash
• Receive and deposit transactions faster
• Benefit from larger transactions and higher sales
Chargeback and fraud losses may seem like an inevitable part
of running a merchant business, yet simply putting the correct
acceptance procedures in place—including proper management
of back-office procedures—can often reduce them. This course
will help merchants understand the basic fundamentals of
managing disputes and avoiding fraud losses.
Topics
• Benefits to Accepting Visa Cards
• General Card Acceptance Procedures
• How to Process Visa Card Transactions
• Visa Guidelines for Card Acceptance
• Understanding Different Forms of Fraud
• Managing Cardholder Disputes
• Innovation and New Card Acceptance Technology
Who Should Attend
• Merchant Sales Staff and Managers
Course Type: On Demand
Duration: 1 hour
Regions: AP, CEMEA
Languages: English, Russian
Introduction to Acquiring
This introductory course is a must-take for all those involved
in the merchant acquiring side of the payment card industry.
With a focus on delivering solid fundamentals, this course
provides both new employees and veterans with an overview
of acquiring and the dynamics in the marketplace. Participants
will gain a foundational understanding of all relevant roles and
responsibilities, and come away with a clear understanding of the
merchant sales and acquisition process, transaction processing
and marketplace relationships.
Topics
By the end of this course, participants will be able to:
• Describe an acquirer
• Explain the roles of the key stakeholders in the Visa payment
process
• Define acquirer revenue sources
• Define the steps in the merchant sales and acquisition process
• Describe the benefits of a balanced merchant portfolio
• Define transaction processing
• Describe the steps in the authorization, settlement and
clearing processes
• Explain dual-message and single-message processing
• Describe Stand-in Processing (STIP)
• Identify the parties with which acquirers must maintain
relationships
• Describe market demands and dynamics
Who Should Attend
• Staff who are responsible for merchant acquisition
• Staff who need to perform merchant site inspections for risk
management
• Staff who are responsible for maintaining relationships with
merchants
Duration: 1 hour
Regions: AP, Brazil, CEMEA, LAC, North America
Languages: Chinese, English, French, Japanese,
Portuguese, Russian, Spanish

2015 | Acquiring & Acceptance
Understanding Merchant Acceptance
The purpose of this course is to help acquirers better understand
payment acceptance best practices in order to assist their
merchants properly process Visa transactions, understand
Visa products and rules, and protect cardholder data, while
minimizing the risk of loss from fraud. Attendees will work
through a variety of case studies and group activities ensuring a
robust learning experience.
Topics
During this course, attendees will learn basic merchant rules and
guidelines for accepting and processing card-present and card-
absent transactions, including;
• Transaction Processing Basics
• Visa Rules
• Authorization Process
• Card-Present Guidelines
– Card Security Features
– Fraud Prevention
– Point of Sale (POS) Counterfeit Liability Shift
– Cardholder Verification and Identification
– Skimming
– Recovered Cards
• Card-Absent Guidelines
– Recurring Transactions
– E-commerce Transactions
– Card Verification Value 2
– Verified by Visa
– Website Best Practices
Who Should Attend
• Acquirer staff responsible for merchant training and/or
merchant relationship management.
Note: Acquirer staff seeking an understanding of the acquiring
business from an acquirer perspective should also consider
attending the Acquirer Business Fundamentals workshop
Duration: 3 days
Regions: AP, CEMEA
Understanding the Visa Acquiring Business
This online course is designed to introduce acquirers to the Visa
card industry business. Visa understands the challenges acquirers
have when building their business and the importance of
understanding the basic fundamentals of the card industry. This
course focuses on several important components as an acquirer:
• Understanding Card Present and Card-Absent Environments
• Merchant Recruitment
• Detecting Merchant Fraud
• Avoiding Disputes and Financial Losses
Today’s acquirer needs the right tools and understanding of the
industry in order to acquirer the right type of merchant. This
course will provide a greater understanding of an acquirer’s role
in transaction processing.
Topics
• Card Acceptance for All Merchants
• How to Avoid Disputes
• Reviewing Merchant Recruitment
• Understanding the Value Proposition for Merchants
• How to Detect Merchant Fraud
• Why Acquire Merchants
• Understanding Loss and Revenue Streams
• VisaNet System How It Links Visa with Acquirers and Issuers
Who Should Attend
• Management, sales and marketing staff from new acquirers
• New management, sales and marketing staff from existing
acquirers
• Experienced staff who wish to refresh and update their
knowledge of acquiring
Duration: 1 hour
Regions: AP, CEMEA
Languages: English, Russian

Bankcard Fundamentals | 2015
Diving into Visa Billing Statements
The Diving into Visa Billing Statements course structure consists
of three core modules:
• Surveying the Surface - Invoice Basics
• Preparing Your Gear - Key Concepts
• A Deeper Dive - Billing Details
In the first module, you’ll survey the surface by learning how to
access Visa billing in the Online Member Invoice (OMI) tool or
in the Online Invoice Presentment (OIP) tool, what information
is displayed on the billing statement, and the basics of how in-
voices are paid.
In the second module, you’ll dive deeper into the Visa billing
process and learn key concepts in understanding your invoice
statements, including information on entities, such as Settlement
Reporting Entities (SREs), collection entities, and how they re-late
to other entities.
In the third module, you’ll take a detailed look at the different
sections of your Visa billing statement, as well as learn how to
research specific billing line items, concluding with a Mastery
Challenge to test your understanding of the course content.
Who Should Attend
• Visa clients who need to understand Visa billing statements
and invoices
Duration: 40 minutes
Language: English
Fundamentals of Visa Business
This program introduces participants to the world of Visa and is a
“must attend”for new employees or for staff new to card center
operations. It is also valuable for new managers who want to
understand key areas of operation more fully.
Delivered through a combination of lectures, case studies,
quizzes and discussions, this program provides information
on the Visa payment system. It covers topics such as the
Visa organization and its structure, products and services;
the authorization and settlement systems; the travel and
entertainment segment of the business; the dispute resolution
process; and key risk management programs.
Topics
• Visa Overview
- About Visa Inc.
- Clients’Roles
- The Visa Brand
- Fundamentals of Debit and Credit
- Revenues and Costs in the Transaction Cycle
• Role of Visa
- Visa Products and Services
- Emerging Products and Channels
- Rules and Regulations
• Overview of the VisaNet Systems
• Authorization
- Card Acceptance Procedures
- Concept and Process Flow
- VisaNet Integrated Payment (V.I.P.) System
• Clearing and Settlement
- BASE II Function and Process Flow
- VisaNet Settlement Service (VSS)
- Currency Conversion
- Interchange Reimbursement Fees
- Visa Fees and Charges
• Dispute Resolution
• Risk Management Programs and Services
• Client Support
Who Should Attend
• New Visa clients
• New staff or existing bank staff who are new to the bankcard
industry
• New managers who want a high-level overview of Visa
Duration: 2 days
Regions: AP, Brazil, LAC, North America

2015 | Bankcard Fundamentals
6 | OCTOBER 2012 Register at www.VisaBusinessSchool.com
Understanding Interchange
Understanding Interchange provides a comprehensive overview
of interchange, including what it is and how it works, why it is
important to the payment system and how its effectiveness is
measured. This course also briefly reviews the global regulatory
environment and the impact of regulation on interchange.
Topics
• Interchange Overview
• The Effectiveness of Interchange
• Impact of Interchange Regulation
The course concludes with a Mastery Challenge that you can use
to test your understanding of Interchange
Duration: 1 hour
Language: English
Visa Basics
It begins with a“big-picture”perspective through the History
and Key Stakeholder modules followed by key information on
Products, Services and how transactions are processed through
the VisaNet system. This program ends with a Mastery Challenge
that reviews students’newly-acquired knowledge and provides
an assessment of their progress.
Topics
• History
• The Visa Organization
• Key Stakeholders
• Visa Products
• Transaction Processing
• Travel & Entertainment
• Dispute Resolution
• The Future of Payments
Who Should Attend:
• Staff new to the business who require an introduction to Visa
and payment systems in general
• Staff who require a refresher of the business
• Staff of any client organization
• Staff of any payment organization from executives with line
responsibilities to senior management
Duration: 1-2 hours
Languages: Chinese, English, French, Japanese,

Bankcard Fundamentals | 2015
Visa First
This five-day program will guide new Visa clients through the
process of launching a new card program and issuing Visa cards
for the first time. Participants will gain the knowledge and skills
needed to run a successful, profitable and efficient Visa payment
card business.
Through a combination of lectures, case studies and discussions,
this training program will provide a complete overview of
the payment card business. This workshop will also provide
opportunities for participants to meet and share experiences and
best practices with staff from other client organizations.
Topics
• Fundamentals of Debit and Credit
• Payment Cycle
• Key Risks and Key Profit Drivers
• Role of Branches
• Visa Products
• Promoting Cards
• Disputed Transactions
• Fees and Profitability
• VisaNet Operations
• Client Information Questionnaire
Who Should Attend
• Principal and Associate Members (including new clients
holding a restricted license)
• Foreign branch or plus license members
• Existing Visa clients upgrading from Associate to Principal
Membership
• Clients using a third party processor
• Visa recommends that these participants be (i) the card
center manager or someone of an equivalent position and (ii)
the person who is involved in the technical implementation
of the card program
Duration: 5 days
Regions: AP, CEMEA, LAC, North America

2015 | Bankcard Strategy & Management
Card Profitability
This program will provide an overview of the payments business
and introduce the key drivers of profitability for issuers of Visa
Credit, Visa Debit and Visa Prepaid products.
A review of acquiring economics and key revenue considerations
will also be included.
Topics
• Profitability Principles
– Core Economics
– Approaches to Card Profitability
• Debit Programs
– Revenue Drivers
– The Interdependence of Card and Deposit Account
Relationships
– Cost Drivers
– Increasing Usage
– Case Studies
• Functional Cost Analysis and Benchmarking
• Credit Programs
– Balancing Risk and Reward
– Revenue Drivers
– Cost Drivers
– Driving Usage
– Case Studies
• Acquiring Profitability
– Cost/Revenue Drivers
– Growth and Scale: Issuing/Acquiring Interdependency
– Profitability and Merchant Discount Rate (MDR)
Competition
• Prepaid Programs
• Performance Management and Value-based Pricing
Who Should Attend
• Card center staff with knowledge of the card business,
managerial responsibility or a profitability-specific role
Duration: 2 days
Card Program Management – Level 1
Strategy is everything! Each market is unique and timing is crucial
when planning to move a bankcard portfolio forward. This course
will help participants understand how cards affect retail banking,
set up a card business for long term growth, learn about the
interdependencies of the issuing and acquiring environments
and discover how to leverage technology in the payments
industry to achieve the desired outcomes.
The course is a blend of presentations and group discussion that
encourages sharing of success stories and best practices.
Topics
• Structure, Organization and Card Program Overview
• Strategy, Opportunity and Dynamics
• Product Types and Tactical Motivation
• Value Chain, Differentiation Versus Issuing, Strategy
Segmentation and E-commerce
• A Breakdown of Stages: Describing the Exchange of
Information and Value
• Defining the Critical Functional Processes
• Profitability Models and Drivers of Cost and Revenue for Debit,
Credit and Prepaid Cards
• Definition, Positioning, Segmentation and Market Examples
• Selling to and Servicing Customers via Different Channels
• Policy, Credit Scoring, Risk Life Cycle, Collections and the Use
of External Data
• Fraud Trends and Examples of Major Fraud Types
• Marketing Life Cycle: Acquisition, Activation and Retention
• A Review of the Regulatory Landscape and the Need for
Responsible Practices
• A Review of Marketing and Technology Changes
• Nine Vital Ingredients for Success
Who Should Attend
• Middle and senior management involved in strategy and
business planning, marketing, risk management, systems and
operations
Duration: 3 days

Bankcard Strategy & Management | 2015
Card Program Management – Level 2
Managing growth is one of the challenges facing the payments
industry today. This course will help participants understand
tactics and techniques for resolving issues that are relevant for
organizations in growth mode. Participants will come away
with an understanding of the evolving global card climate and
methods for effectively implementing marketing and channel
management strategies.
The course is a blend of presentations and group discussion that
encourages sharing of success stories and best practices.
Topics
• Benchmarking and Performance Management
• Co-Branding
• Credit Risk: Best Practice
• Driving Credit Usage
• Driving Debit Usage
• Information Management
• Sub Prime Lending
• Risk Based Pricing
• Sub Segmentation
• Re-engineering the Collateral
• New tactics in Card Profitability
• Managing the Customer Experience
• Loyalty and Retention
• Digital Marketing and the Impact of Social Media
Who Should Attend
• Middle and senior management involved in strategy and
business planning, marketing, risk management, systems and
operations
Duration: 2 days

2015 | Bankcard Strategy & Management
International Bankcard Management School
Strengthen your payment management expertise by attending
this innovative, five-day program. Covering everything from
high-level, strategic management issues to everyday, real-
world details, this course will teach participants how to launch
and run a successful bankcard business in today’s competitive
environment.
Along with providing the basic disciplines that form the
foundation of every successful payment program, the
International Bankcard Management School brings you up to
date on the latest thinking and best practices across various
aspects of the industry, including credit, debit and small business
products; marketing; new technologies and initiatives; risk
management; and more.
This challenging curriculum blends industry expertise with an
interactive learning philosophy that includes:
• Knowledge. Leading industry and Visa experts share
knowledge and best practices gained from years of practical
experience.
• Practice. Simulations challenge you to launch and manage
a profitable card business in a competitive, real-world
environment.
• Engagement. Interactive technology makes lecture-based
instruction an ongoing dialogue between students and
speakers.
• Networking. Group and team activities provide opportunities
to meet and share experiences with colleagues and experts
alike.
Who Should Attend
• Banking professionals new to the bankcard and payment
business
• Experienced card business specialists who want to broaden
their knowledge
• Managers looking for more ways to apply best practices to
their own business
• Executives responsible for bankcard marketing, risk
management and operations
Tuition
Tuition includes breakfast, lunch and snacks daily; opening
and closing night dinners; and all course materials. Hotel
accommodations and transportation are not included.
Course Type: Special Event
Duration: 5 days
Language: English

Bankcard Strategy & Management | 2015
Visa Global Challenge
The Visa Global Challenge is a web-based business simulation
that takes place in a fictional marketplace. Over a 10-week period,
four-person teams from organizations across the globe compete
to create and manage the most profitable card portfolio in a risk-
free environment.
Overview
Each team is provided with information on the demographics,
business opportunities and competitive environment of the
fictional market, and they collaborate to implement effective
strategies for issuing credit and debit cards. In addition,
participants analyze opportunities year over year and make
decisions regarding all facets of the payment business, such as:
• Choosing marketing campaigns to promote card use and
retain cardholders
• Developing risk and account management strategies to
minimize losses
• Selecting technology to manage operations effectively
Teams battle their way through five rounds, each round
representing a year in the life of a card program. At the end of
each round, teams receive detailed performance results and their
ranking relative to the competing teams.
Who Should Attend
• Banking professionals new to the bankcard and payment
business.
• Experienced card business specialists who want to broaden
their knowledge.
• Managers looking for more ways to apply best practices to
their own business.
• Executives responsible for bankcard marketing, risk
management or operations.
Course Type: Special Event, Online
Duration: 10 weeks
Language: English

2015 | Chargeback & Disputes
Dispute Resolution Changes
To help both issuers and acquirers successfully prepare for the
rule changes scheduled for each April and October business
release, Visa prepares a webcast that discusses the what, why
and how behind the upcoming rule changes. Each rule change
is explained in detail, comparing the current requirements to the
new rule improvements effective for chargebacks processed on
or after the April and October releases. The webcast also includes
an optional Q&A segment that addresses some key client
questions about the scheduled changes.
Duration: Varies
Language: English
Introduction to Chargebacks
This course provides students with the requirements of the
chargeback framework as well as information essential to
managing disputes within a card center. It provides a step-by-
step guide to the chargeback process for issuers and acquirers,
and covers the operating rules they must follow.
This program allows students to follow the progress of a
chargeback through each stage of the cycle, all the way to
arbitration. It has proved to be an effective on-site learning tool.
Completion of this course is recommended prior to attending
the Basic Dispute Resolution workshop.
Topics
• The Transaction Cycle
• Overview of the Chargeback Process
• Visa International Operating Regulations
• Chargeback Reason Codes
• Julian Calendar
• Interchange Reports
• Visa Resolve Online
• Copy Request and Fulfillment
• Chargeback and Representment Conditions
• Arbitration and Compliance
Who Should Attend
• Staff new to chargeback and dispute resolution departments
• Staff from other departments who require an understanding
of chargeback concepts and requirements
• Staff with basic chargeback knowledge who need to know
about other dispute resolution processes such as arbitration
and compliance
• Staff experienced in chargeback and other dispute resolution
processes who need a refresher course
Duration: 2 hours
Languages: Chinese, English, French, Japanese, Korean,

Chargeback & Disputes | 2015
Master Dispute Case Filings
Understanding the arbitration and compliance case-filing
process is essential to managing Visa disputes. This course
(formerly called Advanced Dispute Resolution) covers the top
reason codes processed by issuers and acquirers as well as the
key requirements clients must fulfill before filing an arbitration or
compliance case with Visa to ensure it is successful.
New hands-on case studies will further clients’understanding
of the rules surrounding case filings. Best-in-class trainers will
cover Visa dispute resolution tools, resources and best practices,
while group exercises and open discussions will help participants
understand the rationale and intent behind the rules and
regulations so they can make accurate and timely decisions.
Topics
• Dispute Trends
• Recurring and Complex Reason Codes
• Pre-arbitration and Arbitration
• Arbitration Case Studies
• Pre-compliance and Compliance
• Compliance Case Studies
Who Should Attend
• Chargeback and dispute resolution staff with at least two
years’experience
• Personnel who have attended the Understanding Dispute
Resolution program
• Managers and supervisors who have a working knowledge of
chargebacks and want a complete understanding of dispute
processes and key considerations involved
Duration: 2 days
Understanding Dispute Resolution
Understanding the dispute resolution process is essential to
managing back-office processes. This course (formerly called
Basic Dispute Resolution) provides participants with an in-depth
understanding of the chargeback cycle and current dispute rules.
It covers 22 chargeback reason codes from the Visa Core Rules
and Visa Product and Service Rules and their chargeback and
representment rights and limitations.
Attendees will learn the in-and-outs of handling disputes and
become better prepared to provide the best customer service
for their cardholders and merchants. New hands-on case studies
will further clients’understanding of the rules surrounding case
filings. Best-in-class trainers will cover Visa dispute resolution
tools, resources and best practices, while group exercises and
open discussions will help participants understand the rationale
and intent behind the rules and regulations so they can make
accurate and timely decisions.
Topics
• What Is Visa?
• Visa Core Rules and Visa Product and Service Rules
• The Transaction Cycle
• Key Terms and Indicators
• Managing Cardholders and Merchants
• Information Gathering
– Visa Resolve Online
– Transaction Inquiry
– Retrieval Request and Fulfillment
• Chargeback and Representment: Key Conditions for all 22
Reason Codes
• Verified by Visa Liability Shift
• EMV Liability Shift
• Arbitration and Compliance
Who Should Attend
• Chargeback and dispute resolution staff with at least one year
of experience
• Staff from related departments such as risk management,
authorization, and customer service
Duration: 3 days

2015 | Chargeback & Disputes
Using Visa Resolve Online—For Issuers and Acquirers
Visa Resolve Online provides a single, online platform to manage
the dispute process. This course provides general application
training as well as instruction on issuer- and acquirer-specific
aspects of Visa Resolve Online.
Topics
• Navigate through Visa Resolve Online
• Understand key features of the dispute process flow
• Submit and manage transaction inquiries
• Access and use Visa Resolve Online reports
• Manage cases
• Initiate and respond to Requests for Copies (RFCs)
• Submit and respond to pre-filing questionnaires
• File cases for arbitration and compliance
• Manage good-faith disputes
• Perform exception item matching
Who Should Attend
• Staff who are responsible for processing disputes, stop
payments and/or fraud using Visa Resolve Online
• Staff who are responsible for posting to the Exception File
using Visa Resolve Online
• Staff who are responsible for researching transaction
information using Visa Resolve Online
Duration: 3-4 hours
Languages: English, Japanese, Portuguese,* Spanish*
*Closed captioning is translated in Spanish and Portuguese.
Voice and on-screen content is in English.

Operations & Technology | 2015
Chip Impacts on Other Chargebacks
As our payment industry continues to evolve, so should your
understanding of chargeback and representment conditions
related to chip transactions. Visa’s e-learning course, Chip Impacts
on Other Chargebacks, is designed to help issuer and acquirer
dispute analysts gain greater expertise in assessing the potential
impact of specific chargeback reason codes that apply to all chip
transaction disputes regardless of product type or Cardholder
Verification Method (CVM). The course includes real-world chip-
initiated transaction disputes that require participants to practice
skills critical in the back-office chargeback environment. Before
enrolling in this course, you may want to take the Working Chip
Disputes course as a preparatory first step.
Topics
The Chip Impacts on Other Chargebacks course is divided into
two modules, each approximately 30 to 40 minutes long.
Module One: Handling Disputes for Chip Transactions with
PIN, Signature, and No Signature covers three reason codes that
apply to all disputes for chip transactions, regardless of the type
of product or Cardholder Verification Method (CVM) used.
Topics Include:
• Reason Code 71: Declined Authorization
• Reason Code 72: No Authorization
• Reason Code 80: Incorrect Transaction Amount or Account
Number
Module Two: Handling Chip and PIN Disputes helps you
assess the impact on chargeback reason codes for chip and PIN
transactions. Topics include:
• Chargeback Implications for Chip and PIN Transactions
• Reason Code 57: Fraudulent Multiple Transactions
• Reason Code 60: Illegible Fulfillment
• Reason Code 75: Transaction Not Recognized
This course also includes a Quick Reference tool that highlights
key dispute resolution best practices that you can use back on-
the-job.
Duration: Two 45-minute modules
Region: U.S.
Language: English
Edit Package Fundamentals
Edit Package Fundamentals has been designed specifically for
Visa clients who wish to learn more about installing and using
Edit Package (Release 4.0) for Windows and for clients who clear
transactions using the TC or VML record formats. This course will
help you make better use of the Edit Package by ensuring that
you understand where the Edit Package fits within the VisaNet
system and by providing you with step-by-step instructions and
helpful hints for the most common tasks.
Topics
• The Purpose of the Edit Package
• Migrating from Edit Package (Release 3.0)
• Installing and Navigating the Edit Package (Release 4.0)
• Setting Up the Edit Package (Release 4.0)
• Processing Outgoing Files
• Processing Incoming Files
Who Should Attend
This course is intended for issuers, acquirers, and processors
Duration: 2-1/2 hours
Language: English

2015 | Operations & Technology
eMIQ Overview
Welcome to the eMIQ Overview course. The purpose of the
course is to help you complete forms using the Electronic
Member Information Questionnaire, or eMIQ, application.
This course focuses specifically on the DUAL ~ ISSUER BIN
INSTALLATION /UPDATE form. This course includes three
modules:
• Module One focuses on general information about the eMIQ
application and the process of submitting an eMIQ.
• Module Two discusses different scenarios under which you
would submit an eMIQ, including installing a new BIN, making
VisaNet Settlement Service (VSS) hierarchy changes, requesting
changes to Stand-in Processing, adding chip capability to an
existing card program, and added Verified by Visa capability to
an existing card program.
• Module Three lists some tips to help you as you complete
eMIQ forms, and provides information about how to obtain
support.
This course includes a sample DUAL ~ ISSUER BIN INSTALLATION
/ UPDATE form that you can complete as you work through the
course and save for future reference.
Region: Brazil
Languages: English, Portuguese
Financial Reports
This course will provide participants with access to VisaNet
Settlement Service (VSS) reports generated in the clearing and
settlement process and will review how these reports relate to
other Visa systems, such as Online Member Invoices (OMIs). This
course will also provide an overview of the information included
in the Quarterly Operating Certificates.
Topics
• Transaction Processing
• BASE II System: Clearing and Settlement
• Settlement Flows and Time Frames
• VSS Processing
• Settlement Reporting Entity (SRE) Concepts
• Settlement Hierarchy Models
• Financial Reports: VSS
– Main Reports: Domestic and International Settlement
– How VSS Reports Are Generated: Issuer and Acquirer
Perspective
– Primary Visa Fees: Basis for Assessment
– How Invoices Are Generated: Brazil Environment
– OMI Accessibility
– Placement of Information on the Invoice
– Summary of Charges
– Reports
– Quarterly Operating Certificate Review
Who Should Attend
• Managers, supervisors and technicians in the operations and
finance departments
Duration: 2 days
Region: Brazil

Implementing Chip with VSDC
Enjoy additional benefits and increased security when you
migrate your Visa card programs to meet EMV chip specifications.
This workshop will explore both the business and the operational
impacts of moving VSDC products to chip. It will present a high-
level business case for chip, highlight the different implementation
options, and explain product and service concepts.
Participants will learn how to develop Smart card strategies
while also ensuring that the proper chip infrastructure is in place.
During this workshop, each participant will develop an initial
VSDC project plan.
Topics
• EMV strategy and migration update
• Background and rationale for Smart card migration
• Overview of EMV specifications and functions
• Processing options through VisaNet
• Risk management
• Key management
• Card production process
• PIN management
• Implementation planning
Who Should Attend
• Senior and middle ranking business managers
• Technical and operational managers from the card business
strategy and product development areas
• Technical staff responsible for planning and developing
products and services
Duration: 2 days
Regions: CEMEA
Innovation and Security in the Payment System
This program will explore the business and operations aspects
for innovation and security using new payment technologies
such as chip with Visa Smart Debit/Credit (VSDC), Visa payWave,
Mobile Payment, Tokenization and ecommerce Authentication.
Participants will learn about the high-level business case for new
technologies and the implementation options available for each
case and how to relate the new technologies to current products
and services.
Topics
• Latin America EMV Migration Status and Liability Shift
• Background and Rationale for Chip Migration
• Overview of EMV Specifications and Functions
• Cryptography concepts and Key Management
• Processing options
• Mobile payment concepts
• Tokenization concepts
• eCommerce Authentication concepts
• Implementation Considerations for each case
Who Should Attend
• Senior and middle level business managers
• Technical and operational managers from the card business
strategy and product development areas
• Technical staff responsible for planning and developing
products and services
Duration: 2 days
Regions: LAC

Managing Authorizations Effectively
Authorization is a complicated and time-sensitive process that
can be handled with greater efficiency when the authorization
tools and systems are understood.
This workshop covers the different components and features
of the VisaNet Integrated Payment (V.I.P.) System. It includes
an in-depth analysis of BASE I and, where applicable, draws
comparisons with single-message processing. Once these
elements are understood, participants can set the appropriate
Positive Cardholder Authorization Service (PCAS) limits and
implement other available risk control tools.
This workshop will also enable you to make the best use of the
different V.I.P. System services, reduce your bank’s exposure to
fraud and help you run a secure, well-managed and profitable
business.
Topics
• BASE I Routing and Message Formats
• CVV and CVV2
• PIN Processing and Data Encryption Standard (DES) Key
Management
• Visa Smart Debit/Credit (VSDC) Overview
• Verified by Visa Overview
• How to Set Effective PCAS Parameters
• BASE I Best Practices and Risk Management
• Card Recovery Bulletin and Exception File Management
• Understanding and Using IARS
Who Should Attend
• Staff who have at least 6 months’experience in authorization
• Staff involved in implementing card programs
Duration: 2 days
Stand-In Processing (STIP) Overview
This course provides a detailed overview of the STIP process, and
how it enables VISA to stand in on behalf of the issuer to make
a decision whether to approve, decline or refer authorization
requests based on instructions that the issuer has provided
ahead of time.
Topics
• PCAS issuer-unavailable processing including:
– Activity Limit Checking
– Merchant Category Groups
– Mandatory Minimum Limits
– PCAS Default Response Codes
– PCAS Cardholder Risk Levels
• PCAS issuer-available processing including:
– Issuer Limits
– Advice Limits
– Random Selection
• Key differences between PCAS and SMS STIP
Duration: 1 hour
Language: English

U.S. EMV Terminal Configuration
Minimum US Online Only Terminal Configuration/Accelerated
Connection Platform provides a brief update on these solutions
that may assist US acquirers, processors, merchants and value-
added resellers implementing chip. This will be especially of
interest to merchants and acquirers who are upgrading their
terminals to chip.
Region: U.S.
Language: English
Using the Chip Compliance Reporting Tool
Learn to submit various chip test device results electronically
using Visa’s Chip Compliance Reporting Tool (CCRT). This
30-minute online course, which had been designed specifically
for acquirers and their processors, provides a high level
introduction to the CCRT and its many advantages. It also
explains how to easily navigate around the various CCRT screens.
Through the use of a step-by- step demonstration, learners walk
away from this course with a clear understanding of what they
need to do to complete and submit mandatory compliance
reporting via a global automated system.
Regions: AP, CEMEA, North America
Language: English
Using the Visa Personalization Assistant (VPA)
Thinking about using the Visa Personalization Assistant (VPA) to
prepare the personalization settings for your chip card prior to
issuance? Visa’s e-learning course, Using the Visa Personalization
Assistant (VPA) can guide you through the basic mechanics of
VPA and explain how to navigate around the various VPA screens.
This course is designed specifically for card issuers that are using
anything other than the standard Visa personalization profile
default credit values for online-only, contact chip payment.
Through the use of a step-by-step demonstration, learners walk
away with a clearer understanding of the issuer-default profile
template.
The Using the Visa Personalization Assistant (VPA) course is
divided into two modules, each approximately 30 to 45 minutes
long.
Module One: VPA Basics provides a high-level introduction to
VPA. It also covers some general guidelines on how to get the
most from this valuable tool. Topics include:
• Core VPA Functions and Features
• How VPA Fits Within Card Personalization and Validation
• VPA Profile Fundamentals, Business Rules and Best Practice
Guidelines, and Tool Tips
• VPA Reports
• VPA Benefits to Issuers and Third-party Processors
Module Two: Working Your Way Through the VPA offers an
in-depth review of the default profile through the use of an
easy-to-follow, step-by-step demonstration. Topics include:
• VPA Navigation
• VPA Menu Bar Options
• Creating a New Profile Using the Visa Default Template
• Accessing VPA Reports
Region: North America
Language: English

Using the VPA Simplified Profile Selection Feature
Learn how the Visa Personalization Assistant (VPA) Simplified
Profile Selection (SPS) feature works from start-to-finish. SPS
provides Visa issuers with a simpler process for contact and
con-tactless (dual interface) card personalization. This e-learning
course highlights the SPS web-tool advantages for issuers
where a more straightforward chip program is an appropriate
alternative to the VPA. Learners are guided through a step-by-
step demonstration that carefully explains SPS screens and field
entries. SPS report benefits and usage are also covered.
Region: U.S.
Language: English
VisaNet Financial Management
The VisaNet Clearing and Settlement system allows client
organizations to clear and settle all types of transactions in
different currencies. Participants will learn how to maximize
financial gains by using BASE II and the VisaNet Settlement
Service (VSS). Discussions on best practices will enable an
understanding of the benefits of an effective and efficient
reconciliation processing.
Through hands-on exercises and case studies, participants will
learn which tools will allow them to manage their portfolios most
effectively.
Topics
• Overview of the BASE II Clearing and Settlement System
• Optimizing Clearing Data Processing with the Visa Edit Package
• Currency Conversion
• Interchange Reimbursement Fees
• VSS
– VSS Hierarchies
– VSS Reports
• Financial Reconciliation
– Online Monthly Invoices
– Visa Fees and Charges
• Operating Certificates
Who Should Attend
• Staff in the clearing and settlement departments who are
familiar with VSS reports and Visa charges
• Card center managers
• Staff responsible for financial management and reconciliation
for the payment business
• Participants should ideally have a minimum of 6 months’
experience in an operational clearing and settlement role
Duration: 3 days
Regions: AP, CEMEA

VisaNet Operations Management
Recently updated with the latest information from Visa experts,
the VisaNet Operations Management course offers clients an
opportunity to learn about VisaNet and the importance of an
effective authorization strategy in managing risk, providing
good customer service, and implementing an effective clearing
and settlement process. By understanding VisaNet processing,
functions, services and invaluable benefits, clients can work
to improve customer satisfaction and loyalty while increasing
program profitability.
Participants will also learn how setting BASE I (authorization)
parameters can influence their risk and service levels, and how
to optimize BASE II. Additionally, clients will gain knowledge of
VisaNet Settlement Service (VSS) reports in order to improve
reconciliation processes. Best-in-class trainers will cover several
hands-on exercises and case studies.
Topics
• Overview of VisaNet Global Processing
• Principles of Authorization
• Risk and Customer Service Impact
– Stand-In Processing, Card Verification Service, PIN
Verification and International Automated Referral Service
• Visa Smart Debit / Credit Processing
• E-commerce Visa Solutions: Verified by Visa
• Overview of Clearing and Settlement Systems
• Optimizing Clearing Activity
• Currency Conversion
• Interchange Reimbursement Fees
• Settlement Reporting Hierarchies and VSS Reports
• Reconciliation Process
• Visa Fees, Charges and Online Monthly Invoice Principles
• Visa Documentation
Who Should Attend
• Card center managers and staff with at least two years of
experience
• Senior staff responsible for authorization services and clearing
and settlement processes
• Senior staff from the operations, risk management or
customer service areas
Duration: 3 days
VisaNet Overview
This course provides an overview of VisaNet’s role in payment
transaction processing. The course begins with a high-level
introduction to VisaNet’s role in transaction processing and then
builds to a more detailed explanation of the parties, processing
and components of VisaNet. This course is a must for people
who need to understand how VisaNet contributes to the most
powerful, secure and reliable transaction processing system in
the world.
Topics
• Describe the purpose and functionality of VisaNet
• Define the entities involved in a VisaNet transaction
• Define the key steps in transaction processing
• Define how VisaNet connects to its endpoints
• Explain the similarities and differences between dual-message
and full financial processing
• Identify key authorization messages in both dual-message
and full financial processing
• Describe the role of processors in authorization, clearing and
settlement
Who Should Attend
• Staff who are new to the operations department and require
an understanding of VisaNet systems
• Staff who are involved in providing authorization services to
their customers
• Staff from other departments who may require an overview
of the VisaNet systems
Duration: 1 hour
Languages: Chinese, English, French, Japanese, Korean,

Visa Technical Systems
This program will provide an in-depth view of VisaNet, its
systems, processes and capabilities. Understanding the various
V.I.P. messages will allow participants to determine appropriate
course of action. In addition, hands-on activity on a PC will allow
them to understand the VisaNet Certification process as well as
navigate through the Edit Package.
Topics
This program covers:
• An Overview of VisaNet Systems and Functions
• Client Connectivity Options
• Understanding V.I.P. Messages
• Visa Certification Management System
– VisaNet Test System
• Navigating the PC Edit Package
• Review of Edit Package Reports
Who Should Attend
• Staff responsible for system administration of EA, Edit
Package, and VisaNet Test System (VTS)
• Staff involved in daily clearing, settlement and reconciliation
of transactions through VisaNet
• Staff responsible for authorization services, IT personnel
• Staff from the operations, risk management or customer
service areas who need detailed information about
authorization options and considerations
Duration: 3 days
Region: Brazil
Visa Technical Systems (Including“Understanding Edit Package”)
This program will provide an in-depth view of VisaNet, its
systems, processes and capabilities. Understanding the various
V.I.P. messages will allow participants to determine appropriate
course of action. In addition, hands-on activity on a PC will allow
them to understand the VisaNet Certification process as well as
navigate through the Edit Package.
Topics
This program covers:
• An Overview of VisaNet Systems and Functions
• Client Connectivity Options
• Understanding V.I.P. Messages
• Visa Certification Management System
– VisaNet Test System
• Navigating the PC Edit Package (Release 4.0) for Windows
• Installation and setup of Edit Package
• System and Functions
• Processing of outgoing and incoming file
• Review of Edit Package reports
• How to resolve common problems within the application
Who Should Attend
• Staff responsible for system administration of EA, Edit
Package, and VisaNet Test System (VTS)
• Staff involved in daily clearing, settlement and reconciliation
of transactions through VisaNet
• Staff responsible for authorization services, IT personnel
• Staff from the operations, risk management or customer
service areas who need detailed information about
authorization options and considerations
Duration: 4 days
Region: LAC

Working Chip Card Disputes
Visa’s e-learning course, Working Chip Card Disputes offers
a high-level introduction to chip payment processing. Its
primary goal is to help sharpen issuer/acquirer staff decision-
making abilities when handling chip transaction disputes. The
program includes real-world chip-initiated transaction dispute
scenarios that require learners to practice critical skills inherent
in the back-office chargeback environment. Even though the
course is intended for dispute resolution personnel, it can also
be extremely useful to anyone involved in the production,
processes, systems, and services that enable the chip platform.
The Working Chip Card Disputes course is divided into two
modules, each approximately 30 to 40 minutes long.
Topics
Module One: A Quick Look at Chip Transaction Processing –
Covers the what, why, and how of chip technology:
• Our Evolving Chip Payment Landscape
• How the Chip Card Works
• Chip Card Acceptance: Start-to-Finish
• EMV Liability Shift Defined
Module Two: Handling EMV Liability Disputes – Provides
a detailed explanation of Visa’s U.S. Counterfeit Liability Shift
rules and the steps needed to determine who holds financial
responsibility for a counterfeit, point-of-sale transaction. Topics
include:
• A Closer Look at the EMV Liability Shift
• Identifying Chip Capability
• Understanding Fallback Transactions
Duration: Two 45-minute modules
Region: U.S.
Language: English

2015 | Products & Marketing
Commercial Card Basics
This program is designed to provide an overview of the
Commercial Card landscape.
Topics
• Profiles of commercial market segments
• Difference between commercial card processing and
traditional payment processing
• Components of a commercial transaction
• Features and benefits of Commercial Card solutions
Who Should Attend
• Existing Commercial Card Product Managers who want to
improve performance
• New Commercial Card Product Managers looking for an
overview of effective Commercial Card solutions
Duration: 1 hour
Region: U.S.
Language: English
Introduction to Prepaid Cards
Global demographic trends continue to drive growth of prepaid
products as an effective payment solution for the banked and
unbanked, in terms of a secure, cost-effective and convenient
alternative to paying by checks or cash. Visa’s prepaid products
enable many consumers—even those without traditional
banking relationships—to access their pre-funded pool of funds
to make everyday purchases, pay bills, and even receive direct
deposits with a Visa prepaid card.
A variety of Visa prepaid cards are offered through employers,
state government agencies, financial institutions and retailers. It
offers benefits to all key stakeholders in the payments Industry
through its unique characteristics of serving as a gateway to
banking, to new customers looking for a no-frills/ low cost
banking product, an effective financial and budget tool aimed at
managing risk for both underserved and unbanked customers
and as wide ranging alternatives for gifts, remittances, travel
currency etc.
This program is designed to provide a comprehensive overview
of the Prepaid Product, the features and attributes as well as
review the opportunity it provides within an existing payments
portfolio.
Topics
• Introduction to Prepaid Cards
– Benefits and Opportunities of Prepaid Cards
– Prepaid Program Attributes
– Business Case for Prepaid
• Features of a Prepaid Program
– Card Program Requirements
– Sales Channels
– Card Funding Methods
– Issuer Considerations
– Risk Management
• Planning and Implementation a Visa Prepaid Program
– Processor Selection
– Prepaid Transaction Flow
Who Should Attend
• Existing Prepaid Product Managers
• New Prepaid Product Managers looking for a comprehensive
overview of Prepaid Card Management
• Card Center managers and Consumer Bank product
managers looking for new revenue opportunities and
customer value propositions
Duration: 1 hour
Regions: AP, CEMEA
Language: English

Products & Marketing | 2015
Maximizing the Client Life Cycle
This program will provide participants with detailed insight into
the successful strategies and proactive processes that can be
used to acquire new customers, activate recently issued cards,
drive card usage and retain cardholders’accounts. This workshop
will also share global best practices and innovations that can be
used to encourage greater customer usage and build loyalty.
Case studies and a competitive simulation will be used to present
these concepts. Upon completion of this program, participants
will be able to demonstrate their understanding of the life cycle
management methods used to deliver more profitability for their
institution.
Topics
• How to Grow Issuers’Portfolios Through Cross-sell and Non-
Direct Deposit Account (NDDA) Acquisition
• Best Practices for Activating Recently Issued Cards
• Implementation Strategies for Activating Previously Issued Cards
• Processes to Increase the Usage and Profitability of Existing Cards
in a Portfolio
• Identifying Candidates in Your Portfolio That Would Benefit
From a Loyalty Program
• Strategies to Retain High-Value Customers
Who Should Attend
• Marketing managers and marketing directors
• Card center managers
• Product managers, segment managers and channel managers
• Loyalty program managers
• Business intelligence unit professionals
• Customer relationship and Call center managers
• Staff responsible for new product development
Duration: 2 days
Regions: Canada, Brazil, LAC
Portfolio Segmentation
This comprehensive one and a half day workshop introduces
how behavioral segmentation is used as a strategic tool to
improve card portfolio management and to develop direct
action plans. The workshop will also provide card issuers’middle
and upper management with insights to improve the return on
investment and increase profitability of their Visa card business.
Participants will learn from Visa experts about segmentation
tools and best practices that are being used in the LAC Region.
Participants will also have the opportunity to share and validate
their own experiences and best practices with their peers. At
the end of this workshop, participants will better understand
their clients’needs by identifying segments within their cards
portfolio based on methodologies previously developed and
used by Visa in Latin America. This workshop’s key objective
is to help card managers better understand their cardholders’
needs by identifying key segments through analyzing prominent
segmentation methodologies and reviewing local market case
studies.
Some of the questions that this workshop will help address are:
• How can issuers better understand their customer base and
optimize its yield
• Identifying key market segments
• What are the models and tools used to develop a successful
segmentation
• What has Visa done in local market where segmentation has
contributed to the business
Topics
• Basic concepts, types and evolution of segmentation
• Visa’s segmentation methodologies
• Results at the portfolio and country level found in studies
developed by Visa Consulting LAC
• Analysis of a Case study
• Minimal requirements needed by issuers to develop
segmentations
• Operating Certificates
Who Should Attend
• Product and Marketing Managers
• Middle and upper Management who want to increase their
knowledge of segmentation
• Management involved in Life Cycle Management of Cards
Duration: 1-1/2 days
Regions: LAC

2015 | Products & Marketing
Visa Commercial Solutions Basic Training
The Visa Commercial Solutions Basic Training is an online
commercial issuer education program intended to provide a
basic knowledge of Visa Commercial Solutions.
Topics
By the end of this course, participants will:
• Learn about the characteristics of different business segments
and their needs for more efficient payment solutions
• Understand the sales and acquisition process for each business
segment
• Learn more about the range of products and solutions suitable
and the benefits for each business segment
• Gain insight on the services available to support and improve
your clients’Commercial Solutions programs
• Assess your understanding of commercial payment solutions
and their application to the different business segments
Who Should Attend
• Issuers’commercial card sales professionals
• Product managers
• Marketing professionals
• Operations managers
Duration: 1 hour
Regions: AP, CEMEA
Language: English
Visa Debit Product Manager Certification Program
This four-module training course offers a comprehensive review
of key industry best practices that make up a successful debit
program. Covering all aspects of the Product Managers role in
building an effective debit program strategy, this course is a must
for both new and established Product Managers who are looking
to strengthen and expand their debit portfolio.
Topics
• How Visa Debit can Support Your Retail Banking Strategy
• How to Develop a Successful Debit Portfolio
• Understand the Payment Needs and Expectations of Different
Customer Segments
• How to Match the Right Debit Product to Each Customer
Segment
• Set Debit Portfolio Objectives and Measure Performance Over
Time
• Understand the Different Debit Life Cycle Phases
• Marketing and Communication Strategies for Each Life Cycle
Phase
• The Best Practices and Tools Used by Leading Debit Issuers
Who Should Attend
• Existing debit Product Managers who want to improve
performance
• New debit Product Managers looking for comprehensive
overview of effective debit management
Duration: 2-3 hours
Regions: AP, Brazil, CEMEA, LAC
Languages: English, Russian, Spanish

Products & Marketing | 2015
Visa IntelliLink Spend Management: A Total Solution
This training program will provide issuers with an overview of
the Visa IntelliLink Spend Management online data reporting
and expense management solution. Participants will learn how
to communicate the value of online reporting and expense
management to corporate clients and to demonstrate the key
features of the integrated platform.
Topics
This program enables the participant to:
• Learn about the challenges that corporations of all sizes face
when dealing with complex payment and reconciliation
environments
• Understand the importance of visibility and control in the sale
and support of commercial payment solutions
• Learn how Visa IntelliLink Spend Management is designed to
process transactions from multiple sources with a consistent,
structured workflow
• Learn about the modules within Visa IntelliLink Spend
Management, from basic reporting needs to complex
workflow and travel reconciliation requirements
• Better understand how commercial payment solutions apply
to different business segments
At the end of the course, participants will complete an online
mastery challenge. They will receive a Certificate of Completion
if they answer 8 out of 10 questions correctly.
Who Should Attend
• Issuers’commercial card sales professionals
• Product managers
• Marketing professionals
• Operations managers
Regions: AP, CEMEA, North America
Language: English

2015 | Risk & Security
EMV Chip: When to Test
The“When to Test”webcast, the first module in the series,
provides an overview of the requirements for testing chip
terminals and when retesting will be needed. After completing
this short webcast, acquirers, processors, merchants and agents
will better understand when to test their chip terminals and will
have access to frequently asked questions about terminal testing.
The webcast also lists resources for acquirers and merchants that
want additional, in-depth information on the terminal testing
process.
Region: U.S.
Language: English
Fraud Chargebacks
This special one-day program aims to provide clear, in-depth
understanding and practical training on managing fraud-related
chargeback reason codes and the dispute resolution process.
Participants will better understand the current dispute rules and
key requirements when handling the fraud-related chargeback
reason codes thus reducing potential losses caused by mistakes
and inefficient processing.
Group case studies and activities helps illustrate key learning
points and participants will also benefit from sharing experiences,
trends and best practices at the same time understand the
rationale and intent behind the dispute rules, and be guided with
accurate and timely decision-making.
Topics
• The transaction cycle
• Key terms and indicators
• Managing cardholders and merchants
• Information gathering – Visa Resolve Online
• Retrieval Request And Fulfillment
• Chargeback and Representment – key conditions
• Fraud-related chargeback reason codes 57, 62, 81 and 83‘
• Overview of arbitration and compliance
Who Should Attend
• Chargeback and dispute resolution staff, ideally with at
least twelve months’experience or who have attended the
Chargeback workshop.
• Managerial and supervisory staff with a working knowledge
of chargebacks and who require a complete understanding
of fraud-related chargebacks and key considerations involved
Duration: 1 day
Regions: AP, CEMEA
Language: English

Risk & Security | 2015
Improving Issuer Authorization Rates With Visa Consumer Authentication Service (coming soon)
Watch the Improving Issuer Authorization Rates with Visa
Consumer Authentication Service webcast to learn how you
can confidently authenticate consumers prior to authorization
and allow the majority of your low risk transactions to proceed
without the need for additional verification which can often lead
to abandonment at the point of purchase and/or cardholder
dissatisfaction.
This informative webcast defines types of dynamic, risk-based
authentication methods used today, explains the 3-D Secure
global message protocol that supports cardholder verification
for online transactions, and describes how the Visa Consumer
Authentication Service supports an issuer’s 3-D program. The
webcast also includes a step-by step demonstration of how
the Visa Consumer Authentication Service works in different
authentication situations.
Topics
• Visa eCommerce authentication strategy
• Rules for risk-decisioning capability
Who Should Attend
• Staff who work in developing authorization strategy to
reduce risk.
Region: Brazil, CEMEA, LAC, North America
Introduction to Fraud Prevention for Issuers
The Introduction to Fraud Prevention for Issuers course provides
an overview of the various fraud concerns that issuers face
today. This highly engaging and interactive online course covers
the various fraud schemes that are currently being carried
out worldwide, the types of criminals involved, and the key
tactics they are using to steal from issuing financial institutions.
It also lays the foundation for understanding the various
fraud prevention tools and strategies that issuers can use to
successfully combat fraud and prevent associated losses. The
course is divided into two core modules:
The first module defines key terms, concepts and the players
involved to get issuers ready to deal with fraud situations. It then
addresses the payment card fraud types that pose the biggest
threats to their business.
The second module goes into fraud detection and monitoring
strategies to help minimize fraud exposure.
The Introduction to Fraud Prevention for Issuers course uses real-
world cases and examples to demonstrate how different fraud
scams are played out at the issuer level. Learn how to stop fraud
in its tracks. Sign up today.
Who Should Attend
• Issuer managers responsible for managing fraud, including
the implementation of detection and control strategies for
their organizations
• Managers and supervisors in operations, authorizations and
investigations who need information about fraud issues at
the issuer level
• Acquirers who are interested in broadening their
understanding of fraud to include issuer level situations and
control strategies
Duration: 1 hour
Language: English

Introduction to Fraud Prevention for Acquirers
The Introduction to Fraud Prevention for Acquirers course
provides an overview of the serious fraud issues that acquirers
face today. This highly engaging and interactive online course
covers the types of criminals involved, and the current fraud
schemes carried out worldwide - from hackers to skimmers to
bust out merchants!
The course also details POS best practices in a card-present and a
card-not-present environment and how to mitigate future fraud
losses through careful merchant monitoring.
• Module 1 defines key terms, concepts and the players involved
in the world of fraud to get acquirers ready to dive into fraud
situations they’ll face on-the-job.
• Module 2 goes into the types of merchant fraud that pose the
biggest threats to acquirers’business and how to deal with
them effectively. There are real-world examples drawn from
acquirers and from law enforcement professionals.
• Module 3 speaks to POS guidelines and best practices to
mitigate potential fraud losses. It also addresses Visa tools
available to fight fraud in the card-present and the card-not-
present environment.
• Module 4 provides strategies and best practices to successfully
monitor merchants’business activity.
Who Should Attend
• Acquirers, issuers who also act as acquirers, managers and
supervisors in operations, authorizations and investigations
who need information about fraud issues at the merchant
level.
Region: AP, Brazil, CEMEA, LAC, North America
Fraud Prevention for Issuers and Acquirers
This program provides an in-depth look at the latest tools,
information, and best practices that today’s issuers and acquirers
need to better manage fraud risk, reduce associated fraud losses,
and improve profitability. Highly interactive and practical, this
workshop focuses its coverage on the key functional areas that
are critical to identifying and neutralizing the most advanced
fraud threats in the payment industry. These areas include
operations, fraud risk management, MIS and data, merchant
cardholder monitoring and loss controls. It also addresses
compliance programs, fraud trends and specific strategies to
combat them.
This workshop will:
• Present the Visa Inc., Global Fraud Prevention strategy.
• Provide current information aimed at helping participants
maximize their business.
• Deliver tools, techniques and best practices to prepare
participants to manage the latest fraud trends and attacks.
• Offer strategies, technologies, and processes for effective risk
administration.
Topics
• Visa’s role and operational principles
• Impact of fraud; Types of fraud
• Fraud administration; Risk management core functions
• Acquiring business; High risk merchants
• Payment service providers
• Terminal administration
• Visa’s risk strategy
• Fraud management and monitoring; Fraud prevention tools
• E-commerce features; Verified by Visa; CAVV; VCAS
• ATM skimming
• Compliance programs and tools
• Fraud recovery and reporting; Best practices
• EMV chip cards –VSDC
Duration: 3 days
PIN Security

Risk & Security | 2015
This three-day PIN Security program provides up-to-date
information on the management of cryptographic keys used in
ATMs, PIN pads, cash dispensers and hardware security modules.
It also covers all topics related to key management, including an
in-depth review of the Payment Card Industry (PCI) PIN Security
Requirements.
Topics
• In-depth review of PCI PIN Security Requirements
• Threats to PIN-based Transaction Processing
• Trust Model for PIN-based Transactions
• Key Management Methodologies
• Cryptographic Key Life Cycle
• Remote Key Distribution
• Case Studies
Who Should Attend
• Card center managers and staff involved in the management
or operation of devices that accept cardholder PINs
• Personnel who need practical knowledge about the elements
of cryptography and the management of secret encryption
keys
Duration: 3 days
eCommerce Fraud: Tips and Tools to Manage Your Merchant Fraud Risk
The payment industry is seeing a dramatic rise in the number
of online shoppers, transactions, dollars spent, and cross-border
purchases. Along with these opportunities, however, come
additional fraud scams inherent to the ecommerce channel. This
webcast provides acquirers with the latest information that they
can pass along to their merchants to help them better manage
online fraud risk and reduce associated losses. Key topics cover
the use of internal files and transaction velocity controls for a
more accurate review of orders, available authentication tools
for the card and cardholder validation, and fraud screening
technologies and practices for identifying and dealing with high-
risk transactions.
Language: English

Verified by Visa
This course provides an in-depth look at the need and emergence
of Verified by Visa, its role in improving the authentication process
and the benefits it offers to key participants.
On completion of this course, you will be able to:
• Describe the need, emergence and benefits of Verified by Visa
• Describe how Verified by Visa operates and the transaction
process
• Outline the Verified by Visa authentication process
• State the chosen form of dynamic authentication by Verified
by Visa
Regions: AP, CEMEA
Language: English
Visa Risk Performance Tracking (VRPT)
This short webcast highlights the features of the Visa Risk
Performance Tracking (VRPT) tool. The VRPT tool gives the
acquirer the ability to review case history and transaction details
regarding merchants and acquirers that have entered a risk
program.
Language: English

Visa Business School Catalog=2015

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