MASTERCARD EUROPE RISK LEADERSHIP CONFERENCE DRAFT- Split, Croatia

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1 Monday, September 26, Pre-Conference Sessions Pre-Conference Sessions Early Conference Registration and Registration for Pre-Conference Sessions Pre-Conference Workshop Lunch Don t Feel Compromised: MasterCard, You and the Fight Against Fraud Join MasterCard for an interactive journey through an ADC event, from the cardholder experience at the point of sale through the identification of a potential breach. Learn about current ADC trends and best practices for managing an ADC event. Gain an understanding of how following PCI standards aids in protecting against common types of ADC attacks. Learn about emerging technologies such as point to point encryption and tokenization and how these new technologies can aid in lessening the likelihood of an ADC event. PrePaid Workshop: Mitigating Risk in the Prepaid Value Chain The prepaid value chain is fragmented, with multiple partners joining together to bring solutions to market. This fragmentation presents increased risk and therefore requires that all participants be diligent in understanding and mitigating the risks as they launch and support programs. Join MasterCard and other industry experts as we highlight these risks and discuss best practices in heading off pitfalls that threaten the value chain and the industry as a whole. Welcome Reception Venue: 7 Palms Grill Tuesday, September 27, Risk Leadership Conference Breakfast *Included in Room Rate* Welcome Coffee, Registration, and Exhibitor Booths Open Venue: Grand Dalmacija Foyer Venue: Grand Dalmacija Ballroom Welcome Address Andras Hemberger, General Manager, Central Eastern Europe, MasterCard Conference Keynote Aric Dromi, Speaker, Futurologist and Digital Philosopher, Volvo Car Group 11:00AM - 5:00PM 12:30PM - 1:30PM 1:30PM - 5:00PM 1:30PM - 5:00PM 6:30PM - 8:30PM 9:00AM - 5:15PM 7:00AM - 9:00AM 7:30AM - 9:00AM 9:15AM - 5:15PM 9:15AM - 9:30AM 9:30AM - 10:30AM The digital world is quickly becoming humanity sandbox, moving us form the notion of looking at screens to becoming part of the information. If software is eating the world, data is what the world made of. From fintech to smart cities, from autonomous mobility to social interaction, there is a new set of growing fields that define every aspect of our lives. Areas such as artificial Intelligence, robotics, genomics, biotechnology, neurotechnology, adjustable reality and the codification of value interactions will let us reimagine the value propositions of spaces not govern by fixed physical architectures, but dynamically adjusting to the wishes and intentions of the users. Fireside Chat: How Cybersecurity Threats Shape the Digital Consumer Experience Ajay Bhalla, President, Enterprise Risk and Security, MasterCard Nancy O'Malley, Executive Vice President, Payment System Integrity, MasterCard Cyber-security attacks are having an increasing impact upon the global financial services sector, and payments are the target. Cyber criminals and fraudsters are joining forces making major attacks increasingly successful. This relentless cyber threat is global and is forcing consumers to learn and adopt to new digital experiences that ensure safe and secure payments. Learn more about how cross-industry activity and new technology strategies can combat the cyber threat and deliver experiences that shape how consumers trust and interact with a world of intelligent connected devices and ubiquitous payments. 10:30AM - 11:00AM 11:00AM - 11:45AM

2 Power Talk: The Roadmap to Trust Stu Dwyer, Group Manager, Risk Integration, Microsoft Johan Gerber, Executive Vice President, Security & Decision Products, MasterCard Join this session to learn more about stakeholder roles, technology and devices that will impact our Industry's ability to establish and maintain "trust" in the ecommerce environment. As we progress from cards and accounts, to devices and passwords, to the internet of things and the "connected human", our approach, tools and focus need to evolve. The session will explore some ideas around the changes in progress and potential future states. Power Talk: Helping Consumers Manage Their Online Identity Bob Reany, Executive Vice President, Identity Solutions, MasterCard Security is critical for consumers to embrace technology. Learn more about protecting consumers and helping them manage both their identity and shopping experience through new advancements in authentication in the digital space Lunch Fraud Insights and New Attack Vectors Fraud leaders discuss current fraud trends and best practices to help decision makers understand the dynamics associated with regional and market challenges. Power Talk: Understanding How the Payments Environment Impacts Regulation Christoph Baert, Senior Managing Counsel, Regulatory Affairs - Europe, MasterCard 11:45AM - 12:15PM 12:15PM - 12:45PM 12:45PM - 1:45PM 1:45PM - 2:30PM 2:30PM - 3:00PM Global perspectives and the latest regional updates from MasterCard on the essential regulatory drivers for change in the European payments arena. Power Talk: Advancements in the Digital Commerce Landscape Veronika Colucci, Business Leader, Product Development and Innovation, MasterCard The digital age and expanded consumer activity represents the vast opportunity of reaching millions of new customers. Join this discussion for more on how new entrants and existing digital players are changing the current landscape, the challenges with securing the ecosystem and the secure technologies that will help address these concerns Fraud Insights and Trends Seen in Emerging Payments Chris Harrall, Senior Business Leader, Public Policy, MasterCard Claire Le Gal, Senior Vice President, Fraud Intelligence & Strategy, MasterCard Join this session to learn more about transaction fraud and new fraud trends MasterCard has identified within in the Emerging Payments landscape. End Day One Cocktails and Gala Dinner Venue: Grand Dalmacija Terrace and Laguna Pool 3:00PM - 3:30PM 3:30PM - 4:15PM 4:15PM - 5:00PM 5:00PM 6:30PM - 9:30PM

3 Wednesday, September 28, Risk Leadership Conference Breakfast and Exhibitor Booths Open *Included in Room Rate* Power Talk: Insights from the Merchant Risk Council Learn about the role of the Merchant Risk Council, the impacts and challenges with the shift to digital payments and some of the hottest topics facing the merchant community today. Merchant Strategies to Identify & Combat Fraud Torbjörn Bodling, Director of Payments, Glorious Games Group AB Robert Deutsch, Legal Counsel, Fraud Prevention Lead, Zalando Payments Erik Knoester, Fraud Prevention Manager, Transavia Moderator: Anneli Kruger Hilm, Business Leader, Customer Compliance & Fraud, MasterCard Who knows best? Merchants feel that they may know consumers better than financial institutions and financial institutions feel they are best positioned to identify fraud. Join these payment experts for a discussion on fraud strategies, understanding consumer spend patterns and behavior and ways to improve industry collaboration. Coffee Break & Exhibitor Booths Open BREAKOUT I Protecting Issuers Through Tailored Solutions Jonathan Midgley, Senior Managing Consultant- UK Risk, MasterCard Mark Wiesman, Senior Vice President, Security and Decision Products, MasterCard 7:30AM - 9:30AM 9:15AM - 5:00PM 9:15AM - 9:45AM 9:45AM - 10:30AM 10:30AM -11:00AM 11:00AM - 1:00PM 11:00AM - 11:40AM To maximize profitability and customer trust, it is critical for issuers to understand the latest advancements in payment fraud prevention technology. Because one size does not fit all, this session will highlight a comprehensive collection of fraud prevention solutions to fit each customer's unique needs. The Future of Authentication Paul Baker, Senior Business Leader, Product Management, Authentication, MasterCard Nathan Close, Fraud & Risk Intelligence SE, RSA James Rendell, Vice President, Payment Security Strategy, CA Technologies MasterCard will present the opportunities to improve the consumer and merchant experience and how the next version of the underlying technology, 3DS v 2.0, supports the growth in authentication. Tackling Organized Card-Not-Present Fraud Kerrie Gower, Detective Chief Inspector, City of London Police Ian Stock, Senior Bank Investigator, Dedicated Card & Payments Crime Unit Moderator: Keith Groves, Senior Business Leader, Customer Compliance & Fraud, MasterCard Hackers and cyber-criminals are constantly looking for new attack vectors to steal data and perpetrate fraud. Often times it takes the combined efforts of law enforcement professionals and concerned stakeholders to put fraudsters behind bars and make the criminals accountable for their actions. This session will discuss Project Skynet, the current organized crime activity and emerging payment card fraud trends. 11:40AM - 12:20AM 12:20PM - 1:00PM

4 BREAKOUT II Venue: Brac I-III Trends Impacting ecommerce Acceptance Christian Chmiel, CEO, Webshield Noam Rabinovich, CTO, EverCompliant Stefan Zisov, CRO, Transact Europe Moderator: Bogdan Bocheneck, Business Leader, Customer Compliance & Fraud, MasterCard With the evolving risk landscape, new payment types and new market entrants, there is a need to re-examine risk management techniques to address new threats. Learn more about the trends in compliance, partners and efforts underway to secure the environment. Driving Enhancements in Acquirer Risk Management Through Insights from MasterCard s Global Network Joanna Lawrence, Business Leader, Market Product Management, MasterCard Tom Pilling, Fraud & Risk Manage, Paysafe Nick Sutton, Business Leader, Customer Compliance & Fraud, MasterCard 11:00AM - 1:00PM 11:00AM - 11:40AM 11:40AM - 12:20AM This session will provide an overview of MasterCard s Acquirer & Merchant Dashboard services and discuss how greater visibility and earlier insight into actionable fraud-related trends gathered from global MasterCard network data can identify potential vulnerabilities in terms of risk mitigation strategies for fraud, chargeback and decline-management strategies. Why Security Matters Over Compliance Wenlock Free, Vice President Strategic Partners, SecurityMetrics Mark Lippman, Managing Director, Protiviti Adam Sommer, Senior Business Leader, Industry Standards, MasterCard Join our panel of payment security professionals discussing why a security-first approach to protecting your sensitive data is vital in combating against Account Data Compromise events. Our experts will discuss the best practices for implementing various security standards, why its important to go above and beyond a baseline standard, and how focusing on what's right for the security of your organization enables compliance. Lunch Building Integrity into the Payments System Dave Meadon, Senior Vice President, EMV and Digital Devices MasterCard Nancy O'Malley, Executive Vice President, Payment System Integrity, MasterCard Eileen Simon, Chief Franchise Integrity Officer, Law and Franchise Integrity, MasterCard Moderator: Richard Smith, Senior Vice President, Fraud Management, MasterCard MasterCard leaders discuss efforts to build and secure payment system functions to keep pace with the rapidly evolving payments landscape. Participants will also hear about the initiatives underway to grow the franchise with inclusivity of all stakeholders; maintaining integrity through compliance. Power Talk: New Era of Fraud Reporting Claire Le Gal, Senior Vice President, Fraud Intelligence & Reduction Solutions, MasterCard 12:20PM - 1:00PM 1:00PM - 2:00PM 2:00PM - 5:00PM 2:00PM - 2:45PM 2:45PM - 3:00PM MasterCard discusses plans in progress to re-write the MasterCard fraud platform to enhance reporting of suspected and confirmed fraud and optimize fraud detection and recovery for all stakeholders. Power Talk: Successfully Managing 3rd Party Risk in a Rapidly Evolving Environment Keith Groves, Senior Business Leader, Customer Compliance & Fraud, MasterCard Acquirers will learn the key threats and focus areas to minimize risk across traditional and emerging channels; the merchant due diligence process, as well as best practices for effective monitoring. Join this session to hear from MasterCard and external leaders on how to address third party risk and implement risk mitigation strategies based on the current threat and regulatory environments. 3:00PM - 3:15PM

5 Key Learnings from Global ADC Events Andrew Bontoft, Director, Foregenix, Ltd. Albert Kuncz, AVP, Advanced Adversary 2 Team Member, Cyber Security Fusion Center, Citibank Krisztian Offenbecker, Citibank Moderator: Marie Russo, Senior Vice President, Account Data Compromise, MasterCard 3:15PM - 3:45PM 3:45PM - 4:30PM An attacker s main goal is to seek and exploit weaknesses in a company's network and cause disruption in the ecosystem. Explore the increasing scope, scale, and complexity of cybercrime impacting our industry as security experts focus on recent events, the latest trends, and new attack vectors that criminals are employing and discuss best practices on how to impede cybercrime. Insights from the DigiSec Lab: Recent Attacks and Techniques in Terminal Security Analysis and Why EMV Cryptogram Verification Is So Important Fernando Lourenco, Business Leader, Industry Standards, MasterCard Alan Mushing, Senior Business Leader, Industry Standards, MasterCard This session will discuss some of the recent attacks on ATMs using shimming devices and why it is important for issuers to verify cryptograms. The DigiSec team will also explain new laboratory techniques for analyzing terminal security, including the use of 3D XRay Computed Tomography (CT) scanning. Raffle and End of Conference Thursday, September 29, Post-Conference Workshops Breakfast and Post-Conference Workshop Registration *Included in Room Rate* Post Conference Sessions The Future of Payment Card Security, Fraud Strategy & Execution in the Digital Marketplace In this workshop, we ll take a deep dive in the world of MDES, the MasterCard Digital Enablement System, to understand the new data points issuers now have access to when digitizing cards on mobile devices. We ll also discuss how to prevent, detect and mitigate fraud in this new payment space, as well as lessons learned from prior implementations. Annual Chargeback Forum Maximizing profitability and meeting customer expectations during the transaction process means that proper Dispute Resolution Management (DRM) is of great importance. Join MasterCard and industry leaders to learn about the best business practices for optimizing performance in dispute resolution. This year we will focus chargeback and arbitration trends, recent and upcoming rule changes, fraud patterns, new technologies and related shifts in liability, as well as a panel discussion on travel industry disputes. Other relevant chargeback topics will also be addressed, as well as an open Q&A session with MasterCard s European and Global DRM teams. 4:30PM - 5:00PM 5:00PM 9:00AM - 4:00PM 7:30AM - 9:30AM 9:00AM - 5:00 PM 9:00AM - 12:30PM Post-Conference Workshop Lunch

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