Mastercard Global Risk Leadership Conference DRAFT- AGENDA Albufeira, Portugal September 25-28, 2017

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1 Monday, September 25, Risk Leadership Conference Pre-Conference Sessions Early Registration Pre-Conference Workshop: PCI and Beyond: 3DS2.0, PIN Entry on mpos and more Venue: São Miguel Pre-Conference Workshop Lunch Pre-Conference Workshop: Be Aware, Be Compliant Venue: São Miguel Pre-Conference Workshop: Mastercard Vendor Seminar (*For Mastercard Vendors Only) Venue: São Rafael Welcome Reception Venue: Pine Tree Garden Tuesday, September 26, Risk Leadership Conference Breakfast, Registration and Exhibitor Booths Open General Session Venue: Salão Pinhal Our Vision and Defenses Ajay Bhalla, President, Enterprise Risk & Security, Mastercard Keynote: Pierluigi Collina, Six-time FIFA Greatest Referee Protecting Against the Next Wave of Global Cyber Threats Jon Brickey, Senior Vice President, Cybersecurity Evangelist, Mastercard Andrew Henwood, CEO, Foregenix Sian John, EMEA Chief Strategist, Symantec Moderator: Peter Allwood, Vice President, Security Solutions, Mastercard Cyber-attacks have transformed over recent years spanning the globe, hitting the biggest brands, destabilizing governments, ripping up the rules of our new digital world targeting society. Payments and digital commerce are at the front line of this cyber battlefield. We will hear from cybersecurity leaders from Mastercard and industry on how the next wave of major attacks will evolve and how we can be proactive in defending against sophisticated threats. 9:00AM - 12:30PM 12:30PM - 1:30PM 6:30PM - 8:30PM 7:30AM - 5:30PM 7:30AM - 9:00AM 9:00AM - 5:30PM 9:00AM - 9:30AM 9:30AM - 10:15AM 10:15AM - 10:45AM 10:45AM - 11:30AM

2 Cybersecurity Research Leadership and Cyber Attack Methods DigiSec Lab leads research and investigation on securing payments technologies, stopping potential attacks against the ecosystem. This progression of attacks against payments is broadening, from POS infrastructure to include software targeting the cloud, mobile and smart ATMs. Hear how DigiSec Lab s work is evolving to protect stakeholders, and get an industry view on attackers extensive use of cyber-attacks methods. Targeted Detection of At-Risk PANs Claire Le Gal, Senior Vice President, Fraud Intelligence & Strategy, Mastercard With the increase in data breaches over the years, it is increasingly more difficult for issuers to proactively and accurately determine which at-risk PANs will be used for fraud and when to re-issue at-risk PANs. Research shows that false declines and reactive card replacements damage cardholder loyalty and future use of the account. In this session, we will discuss a new product that will help issuers identify which at-risk PANs will most likely be exploited by fraudsters before the fraud occurs potentially reducing fraud losses and impact on cardholders. Lunch Legal Overview of PSD2: State of Play on the European Regulatory Technical Standards on Strong Consumer Authentication Christoph Baert, Senior Managing Counsel, Regulatory Affairs- Europe, Mastercard Mastercard senior legal council outlines the draft Regulatory Technical Standards (RTS) on Strong Customer Authentication (SCA) And Common and Secure Communication (CSC) Under PSD2. The final outcome of two years of industry consultation and debate. PSD2 from a Business Lens: Welcome to the New World Anton Kornilov, Senior Vice President, Business Model Development- Europe, Mastercard PSD2 will fundamentally change the payments ecosystem that we know today. Learn about the drivers of change, new players and services that will be enabled by PSD2 to compete and the risks and opportunities that will abound as a result. Supporting Customer Compliance of PSD2 Graeme Bullock, Sr Director, Solution Sales EMEA, Payment Security, CA Technologies As a result of PSD2, transactions processing through 3DSecure will need to flow differently - but how will this work? Join this session to learn how customers will be supported as they step up authentication to ensure security. Mastercard Perspective and Solutions for Preparing for Strong Consumer Authentication Lee Osborne, Vice President, Market Product Management, Mastercard Michael Sass, Vice President, Market Product Management, Mastercard Strong consumer authentication (SCA) is key to ensuring customer satisfaction. The release of PSD2 will impact and change customers expectations. Hear from Mastercard leaders on what they are doing to ensure strong customer authentication and customer satisfaction. As the impacts for Issuers will be significant, learn about what we are hearing from the issuing community in terms of impact assessment, what stakeholders are doing to address and how Mastercard can help place and allowing Issuers more flexibility in decisioning. 11:30AM - 12:15PM 12:15PM - 12:45PM 12:45PM - 1:45PM 1:45PM - 2:20PM 2:20PM - 2:55PM 2:55PM - 3:15PM 3:15PM - 3:45PM 3:45PM - 4:30PM

3 Through the Customer Lens: Market Leaders Discuss PSD2 Stakeholders join forces to discuss their views of PSD2 and will address the impacts, opportunities and challenges ahead. 4:30PM - 5:15PM END DAY ONE Cocktails and Gala Dinner Venue: Pescador Terrace/Tabu Garden Wednesday, September 27, Risk Leadership Conference Breakfast and Vendor Showcase General Session Venue: Salão Pinhal Integrated Technology to Maximize Defenses Michelle Hafner, Senior Vice President, Security & Decision Products, Mastercard Dennis Gamiello, Vice President, Identity Solutions, Mastercard Michel Giasson, Senior Vice President and CEO, NuData Relationships are formed between consumers and devices. The consumer journey is moving from a specific point in time to a holistic view of the consumer experience to make better decisions. We will look at digital engagement and intricacies between the stakeholders and consumers. We will discuss how devices work, how they connect, are the users who they say they are and is the device authorized on behalf of consumer to perform the transaction? Through looking at the digital engagement across all stakeholders, we can make decisions based on consumer engagement, what constitutes to step up authentication, or what is an attempt to hijack a session - minimizing account takeover, trusting good users and enhancing the consumer experience. Designing the Digital Future Today, people are leading increasingly connected, digital lives using a variety of devices to interact, engage, shop, pay bills and send or receive money. Join this session to hear from Mastercard experts on how they are developing deeper, more intelligent commerce experiences to enhance the customer experience. 6:30PM - 9:30PM 7:30AM - 5:15PM 7:30AM - 9:00AM 9:00AM - 5:15PM 9:00AM - 9:45AM 9:45AM - 10:30AM 10:30AM - 10:50AM

4 Track I Mastercard's Enhanced Fraud Transaction Reporting and Management Interface Jason Beerman, Director, Fraud Data Repository Management, Mastercard Today the SAFE Online tool is used to submit and manage fraudulent transactions to Mastercard through Mastercard Connect. This process has been transformed in order to take advantage of Mastercard assets and provide a more efficient fraud management process. Come see this new user interface that provides a more intuitive fraud transaction management experience. Safety Net Laura Quevedo, Senior Vice President, Security & Decision Products, Mastercard Join this session to learn more about the latest large scale fraud attacks we see on our network, new enhancements to Mastercard Safety Net and how Mastercard s network monitoring solution is helping protect issuers. Effectively Battling Fraud Ged Lynskey, Principal, Global Products and Solutions, Mastercard Keith Groves, Vice President, Customer Fraud Management, Mastercard Get the latest 'top 10' of what not to miss when addressing fraud in your systems. Learn from customer case studies and fraud experts on how to successfully address fraud and ensure the right parameters are in place. Track II Implications of Digital Wallets on the Payments Ecosystem Michael Oliva, Senior Analyst, Franchise Management, Mastercard Bruce Rutherford, Senior Vice President, Security Standards and Solutions, Mastercard Moderator: Chris Harrall, Vice President, Public Policy, Mastercard 10:50AM - 12:45PM 10:50AM - 11:30AM 11:30AM - 12:05PM 12:05PM - 12:45PM 10:50AM - 12:45PM 10:50AM - 11:30AM Digital Wallets present tremendous opportunities for banks, merchants and consumers alike but they also create new challenges. The panel will explore how digital wallets are helping to drive the transaction from plastic to NFC and in-app transactions and how it will impact the payments ecosystem. The Service Provider Risk Management Program Nick Sutton, Director, Customer Fraud Management, Mastercard Maria Vejarano, Vice President, Risk Management, Mastercard Due to the growth and evolution of the payment business, the number of entities providing services to Mastercard customers, has increased, and with them, the risks to Mastercard, our customers, and the payment ecosystem. In this session you will hear from Franchise Integrity, what Mastercard is doing to identify and mitigate these risks through the Service Provider Risk Management Program. Consumer Rights - Goods and Services Bought Online Jolanda Girzl, Director, European Consumer Center- Sweden Michael Oliva, Senior Analyst, Franchise Management, Mastercard Paul Paolucci, Vice President, Customer Compliance & Fraud, Mastercard Moderator: Anneli Kruger Hilm, Director, Customer Fraud Management, Mastercard 11:30AM - 12:05PM 12:05PM - 12:45PM Join this session to learn more about acquirer best practices when engaging subscription merchants and how to best manage risk while minimizing consumer impacts and ensuring a positive online shopping experience.

5 Lunch Partner to Protect Collaboration I - IV Why We Do What We Do Jason Burt, Counsel, Latham & Watkins Marjorie Clifton, Executive Director, Center for Safe Internet Pharmacies Moderator: Paul Paolucci, Vice President, Customer Compliance & Fraud, Mastercard Join this session to hear from Mastercard and compliance industry leaders on why managing compliance is an integral part of an organization's strategy and key to keeping the payments ecosystem safe. Some Good News: Law Enforcement Success Stories Join this session to hear from Law Enforcement agencies on past and present fraud schemes and attacks and what they are doing to combat fraudsters. Partner to Protect: Feedback session 12:45PM - 1:45PM 1:45PM - 3:00PM 3:00PM - 3:20PM 3:20PM - 4:00PM 4:00PM - 4:30PM 4:30PM - 5:15PM End Of Conference Thursday, September 28, Post-Conference Sessions Coffee and Post-Conference Workshop Registration Post Conference Sessions Post -Conference Workshop: Fraud Strategy & Execution in the Digital Marketplace Post-Conference Workshop: Chargeback Forum Post Conference Lunch Post-Conference Workshop: 3-D Secure 2.0 Implementation Workshop 9:00AM - 1:30PM 7:30AM - 9:30AM 9:00AM - 5:00 PM 8:30AM - 1:00PM 9:00AM - 5:00 PM 12:30PM - 1:30PM

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