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Pricing for Risk in Merchant Payments - Risk Metrics, Reserve Requirements, Pricing Models, Best Interchange Rates, EMVNFC Guidelines

Monday, 13 August 2018   11:30 AM PDT, 02:30 PM EDT

Training Duration = 90 min                  Sponsored by Online Compliance Panel

Click Here to register $200.00

Click Here to register and receive CD recording $400.00

This training program will provide insight into fundamental underwriting and risk management guidelines, determining variables that constitute merchant risk, and on how to assign a dollar value and quantify exposure.

Learning Objectives:

  • How to categorize merchant risk?
  • How to determine reserve requirements?
  • Key components in risk metrics
  • Pricing models
  • How to qualify for best interchange rates?
  • Determination of funds availability
  • Transaction monitoring
  • EMV/NFC guidelines and liability shift
  • Best practices in risk management

Why Should You Attend:

The risk surrounding payment card processing is complex and nuanced. There are a number of variables that determine merchant risk. Digitization and mobile payments have changed the dynamics of the industry.

 Mobile devices now not only support payments but also enable new services that add value for both consumers and merchants. The fundamentals for underwriting and risk management guidelines are very similar across the industry, how to price for it is the differentiating point.

There are a number of variables that determine merchant risk. Key components include the merchant's longevity and financial stability, transaction finality, industry, business model, billing method, products and services offered, and processing history.

This webinar will highlight the key areas a provider underwriting a business should look at and offer guidance on how to create metrics to quantify and price exposure to potential risk.


Armen Khachadourian is the founder and president of Digital Payments Inc, a consulting firm providing advisory services in the areas of merchant processing, ISO/MSP formation, development of best practices, BSA/AML guidelines, merchant portfolio and acquiring acquisitions, prepaid and alternative payment products including decoupled debit. As a trusted partner with vision to understand his client's future business he has helped design and evaluate new products and services in today's changing marketplace.

Mr. Khachadourian has also served in executive positions at several top ten financial institutions and helped them maximize growth and revenues in today's challenging electronic payments marketplace. As a vice president of JPMorgan Chase's Prepaid Product in Treasury Services he was responsible for designing and launching prepaid cards in the EU market.

As a senior vice president at Visa USA, he expanded card acceptance to new markets such as supermarkets, recurring payments, quick service restaurants and federal government agencies. His expertise in card products extends to issuance of credit, debit, prepaid and commercial cards. He is also an experienced manager of technology solutions including development of best practices, network policy, third-party processor contract negotiation and problem resolution.

Mr. Khachadourian earned a Bachelor of Arts degree in mathematics and a Master of Science degree in computer science from the San Jose State University in California. He authored the "Basics of Data Communications" textbook and lectured at College of San Mateo, CA. He was awarded an honorary teaching credential from State of California. He is a member of the United States National Masters team and has represented United States at four world championships.