Chargeback policy changes – What are they and how did we get here?

first_img 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Chargebacks to merchants have become a hot topic of late. And for good reason. According to a recent report by First Annapolis Consulting, chargebacks for card-present transactions increased 50% following the October 1 EMV liability shift.  While this took merchants by surprise, it did not surprise issuers who, until the October 2015 liability shift for chip cards processed at card-present non-chip terminals, were absorbing the cost of fraud for counterfeit cards. Now issuers are allowed to chargeback, or pass back the fraud to the merchants who were not processing chip cards.Delays in terminals certification causes backlogsMany merchants had their chip-capable terminals in place in time for the liability shift, or shortly thereafter. The problem came that having the terminal be hardware-capable of reading a chip wasn’t enough; the terminal had to be certified. Some merchants didn’t know how to obtain the certification while others were waiting on their terminal vendors or 3rd party organizations to perform the certification. These vendors and 3rd parties were swamped with requests, and faced with an entirely new process, creating a backlog that continues today. continue reading »last_img read more

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If your credit union died today…

first_img 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bo McDonald Bo McDonald is president of Your Marketing Co. A marketing firm that started serving credit unions nearly a decade ago, offering a wide range of services including web design, branding, … Web: yourmarketing.co Details Here’s something to think about: What if your credit union died today? What if you locked your doors, shut off the lights, and just faded away? Would your members be irritated at the inconvenience of moving their accounts to another financial institution, or would they be genuinely distraught because no one else can offer you what you provide?Consider that scenario for a moment and how it frames your value proposition. Is it as solid as it should be? Are you a commodity or an experience?As we head into 2019 and you begin executing your strategic plan, your marketing plan, and various other initiatives for the coming year, what will it take for you to elevate your brand to something more than just a logo and name? Believe it or not, it may come down to whether your members consider you an acquaintance or a friend. An acquaintance is someone you run into from time to time. A friend is someone whose company you seek out on a regular basis. An acquaintance is someone you can laugh with on a surface level. A friend is someone you can cry with over matters much deeper.We tend to connect with people who interest us. We have fun with folks who know how to have fun. We bond most easily with those who share our beliefs. But when it comes to our deepest friendships, they are usually forged with people who have shared our pain. The seeds of commitment are watered by tears.Think of the people you can always count on—the ones who have your back. You know exactly who they are. If you were in jail, they would be the person on the other end of your one phone call. Why? Because if they’re not in the cell next to you, you can count on the fact that they’d be there to bail out you. The storms of adversity can tear acquaintances apart, but they can also strengthen the bonds of true friendship.So, do your members consider you an acquaintance or a friend? Will they trust you when times get tough? Would you be their first call when a financial emergency strikes? Or better yet, will they come to you during the good times when they need a trusted partner to help them buy their first home?As you enter into the coming year, look for ways to take your member relationships beyond a sales pitch or a polite, yet impersonal “hello” each time you interact with them. If your ultimate goal is member retention, spend some time brainstorming with your team and finding creative ways to develop new friendships and deepen existing relationships with each member. last_img read more

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Borgen is spectacular at Buffalo River Fargo Tractor special

first_imgGLYNDON, Minn. (Sept. 13-14) – A driver who is no stranger to victory lane at Buffalo River Race Park found his way to that hallowed ground again Sunday night.Bryce Borgen topped the $1,000 to win IMCA Xtreme Motor Sports Modified main event in the 2014 season finale. The two-time BRRP track champion earned a spot on the ballot for the 2015 Fast Shafts All-Star Invitational along with the Fargo Tractor IMCA Spectacular checkers. Deveryn Malmlov, Saturday winner Justin Jones, Michael Greseth and Cody Erickson completed the top five. Borgen had started fourth and was most of a straightaway behind Jones before starting his drive to the front. “All of a sudden my car just came alive,” Borgen said following his third sanctioned win of the season. “I’d run second on Saturday night. It felt good to be able to work my way by him (Jones) and pass him on the top side.” The final caution came with three circuits left in the 30-lapper. Borgen’s margin of victory was two car lengths. Jones earned $750 for his Saturday victory. Rick Pavlicek swept the Karl Chevrolet Northern SportMod features, earning $300 on opening night and $500 on Sunday. Sept. 13 Feature Results Modifieds – 1. Justin Jones; 2. Bryce Borgen; 3. Michael Greseth; 4. Bob Sagen; 5. Michael Tiani; 6. Shane Bruns; 7. Tyler Hall; 8. Jeff Odden; 9. Brent Pulskamp; 10. David Goulet; 11. Tyler Peterson; 12. Dusty Peterson; 13. Larry Niemi; 14. Tim Perkins; 15. Brennan Borg; 16. Josh Beaulieu; 17. Deveryn Malmlov; 18. Matt Aukland; 19. Ross Romdalvik; 20. Billy Vogel; 21. Tom Cummings; 22. Dan Dowling.Northern SportMods – 1. Rich Pavlicek; 2. Tim Kanten; 3. Scott Zimmerman; 4. Scott Jacobson; 5. Tailin Tommerdahl; 6. Tom Andring; 7. Patrick Brejcha; 8. Michael Ernst; 9. Charlie Jensen; 10. Jesse Skalicky; 11. Lucas Rodin; 12. Levi Babcock; 13. Jeff Nelson; 14. Nick Curtis; 15. Cody Peterson; 16. Robert Plath; 17. Luke Lick; 18. Danny Hazemann; 19. Andrew Maxwell; 20. Jackson Moffett. Sept. 14 Feature ResultsModifieds – 1. Borgen; 2. Malmlov; 3. Jones; 4. Greseth; 5. Cody Erickson; 6. Pulskamp; 7. Sagen; 8. Tyler Peterson; 9. Hall; 10. Beaulieu; 11. Goulet; 12. Tiana; 13. Niemi; 14. Borg; 15. Dowling; 16. Dusty Peterson; 17. Odden; 18. Bruns; 19. Vogel; 20. John Schuelke.Northern SportMods – 1. Pavlicek; 2. Ernst; 3. Kanten; 4. Tommerdah; 5. Chris Vanmil; 6. Jensen; 7. Jacobson; 8. Lick; 9. Peterson; 10. Rodin; 11. Brady Petermann; 12. Maxwell; 13. Andring; 14. Curtis; 15. Plath; 17. Donny Marquardt; 18. Nelson; 19. Brejcha; 20. Hazemann.last_img read more

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Beat writers unanimous on Syracuse’s matchup with Rutgers

first_img Comments No. 13 Syracuse (3-2, 0-1 Atlantic Coast) hosts No. 15 Rutgers (4-3) in the Carrier Dome on Saturday at 1 p.m. The Orange enter the game off a come-from-behind win against then-No. 17 Johns Hopkins. The Scarlet Knights most recently dropped a 13-10 contest to then-No. 16 Lehigh on Tuesday. Here’s what the beat writers expect for the outcome of Saturday’s game.Andrew Graham (3-2)Rutgers footballSyracuse 12, Rutgers 7Before you even get there, Michael does not get extra points unless I get mine for getting the Army game perfect. As for Saturday, I think the Orange picks up a key ranked win against Rutgers this weekend. Weirdly, it might come down to how SU’s man-up offense (No. 8 in the country) fares against the Scarlet Knights’ No. 2-ranked man-down defense. Fifteen percent of Syracuse’s offense comes from the man up (nine of 60 goals), and Rutgers has only allowed two goals in 18 attempted kills. I have no doubts about SU’s defense or faceoff unit, which have proven to be on par with the other top-20 teams. As Syracuse’s offense has grown and matured throughout the season, it seems less likely it gets burned. But it’ll be interesting to see if the Orange can carve out the same man-up edge. I think they do.Michael McCleary (3-2)Scarlet is just knock off redSyracuse 14, Rutgers 11AdvertisementThis is placeholder textDo I get extra points for getting the score exactly right last week? We’ll review that. Syracuse looks in good position to snag another one after the performance last week against Johns Hopkins. Though the Blue Jays got off to a hot start in the first quarter, the Orange defense held JHU to just five goals in the final three quarters while their offense exploded on a 6-1 run in the fourth quarter. Every time Syracuse has lost — Colgate and then Virginia — it’s seemingly corrected its biggest issue immediately. It was possessions and ground balls against Colgate, and it was a late collapse against Virginia. The Orange responded in both and followed each game with some of their strongest production in each respective category. Though a loss to the Cavaliers provided a slight bump, Syracuse’s momentum hasn’t stopped growing since the season opener. It won’t stop Saturday, either.Nick Alvarez (2-3)Seeing red Syracuse 15, Rutgers 13The Johns Hopkins win had to mean something, right? Syracuse head coach John Desko has repeatedly lauded the parity in lacrosse this year, and he’s not wrong. But Syracuse strings together its second victory in a manner it hasn’t done this season: By winning a shootout. They were supposed to pull away against Virginia but didn’t. Expect a similar scenario on Saturday, but the Orange do enough to get the win. Jacob Buttermore has scored six goals in the last two games, and there’s no reason he won’t stay with the first-line midfield. On the other side, Rutgers looks for Kieran Mullins to unlock its offense, and SU’s defense needs to build off a strong second half and lock him down. JHU went to the big-little, behind-the-crease offense that plagued Syracuse against Virginia, but instead, the Orange handled it with ease. Stop Mullins, and SU gets back-to-back wins before jumping back into conference play. Published on March 16, 2019 at 12:21 amcenter_img Facebook Twitter Google+last_img read more

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TFA Supports Headspace Day

first_imgTouch Football Australia (TFA) is proud to be supporting Headspace Day today in support of National Mental Health Week.This national day of awareness is about ensuring every young person in Australia has access to youth friendly, mental health services no matter where they live.  Led by headspace, the campaign is dedicated to improving the wellbeing of young Australians.Every year, a quarter of all young people in Australia will experience mental health issues. Yet even amongst those with severe mental health problems, only 50% receive professional help. Headspace offers a youth-friendly service that minimises the barriers young people experience when seeking access to professional help.Headspace has centres across Australia, in addition to numerous online resources. The purpose of Headspace Day is to increase awareness of the services and resources available to you people.To support headspace day, TFA will be sharing personal mental health tips on place cards, these will then be shared through our social media channels.The aim of this initiative is to help generate and share ideas so that young people can see the many different ways to maintain a healthy headspace.TFA encourages everyone to join with us in supporting this campaign and contributing to the conversation by filling out your own place card.“We whole hearted support HEADSPACE Day and the fantastic work that HEADSPACE does helping those suffering with mental health issues, especially youth. Within our sport we have 387,000 youth participants nationally, thankfully Headspace are there to support any who may be experiencing mental health issues.” Steve Mitchell, Touch Football Australia CEOPlace cards can be downloaded  here, with suggestion’s to fill out your place card located hereTo find out more about headspace, click hereJoin us in the conversation to assist removing mental health barriers:  @headspace_ausTouch Football Facebook: @TouchfootballaustraliaTouch Football Twitter: @touchfootyausTouch Football Instagram: @touchfootballaustraliaHashtag: #headspacedayIf you need someone to talk to contact headspace on 1800 650 890last_img read more

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10 months agoCrystal Palace striker Ayew delighted to be off mark for Wolves win

first_imgAbout the authorPaul VegasShare the loveHave your say Crystal Palace striker Ayew delighted to be off mark for Wolves winby Paul Vegas10 months agoSend to a friendShare the loveCrystal Palace striker Jordan Ayew was delighted to get his first goal for the club in victory over Wolves.The result was capped by a late penalty from Luka Milivojevic in a 2-0 win.Ayew said, “It’s a big win and good for our confidence after losing at home, it was important for us to bounce back and improve our league position so congratulations to all the lads.“I’m pleased for myself, my family, for our fans and my fans in Ghana and I would like to thank the coach for giving me the opportunity. I was waiting for this moment and now it has come at the start of the New Year means new things, positives and three points so it’s good.”The striker produced a fine touch to control Patrick van Aanholt’s shot on goal before making no mistake to beat Wolves ‘keeper Rui Patrício to break the deadlock. “It is important to be opportunist, making things happen and scoring goals, this is what I try and do and luckily today I was successful. I thank God and will just keep on working hard.” last_img read more

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Notre Dame Welcomes Wisconsin To The Under Armour Family In Spectacular Fashion

first_imgEarly "Badgers Badgers Badgers" viral video.badgers badgers badgers mushroom mushroomFriday morning, Wisconsin and Under Armour officially announced a 10-year contract worth $96 million. One of the apparel manufacturer’s biggest clients came up with a very cool way to welcome the Badgers to the family.Upon hearing the news, Notre Dame tweeted out a video of the famous viral “Badgers” clip with audio of House of Pain’s “Jump Around” – an ode to one of the best Wisconsin football traditions. Check it out:Welcome to #TeamUA, @UWBadgers. You know what to do… @UnderArmour pic.twitter.com/2SOcRLHzLG— The Fighting Irish (@FightingIrish) October 9, 2015Well played, Fighting Irish social media manager.last_img

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Nine countries confirm participation in second International Grand Committee on Disinformation and

first_img“Together we represent over 355 million citizens from around the world. As lawmakers, we are all examining ways to protect our citizens from threats to our democracies in the digital age. That is why it is important that we continue to come together as a group to share our knowledge and best practices for tackling these global issues.”Some of the witnesses that have confirmed their participation in the International Grand Committee include former CEO/founder of Blackberry, Jim Balsillie, Privacy Commissioner of Canada, Daniel Therrien, and Chair of the United States Federal Election Commission, Ellen Weintraub.Invitations were also sent out to Facebook CEO, Mark Zuckerberg, and Twitter CEO, Jack Dorsey.Zimmer says he finds it quite encouraging to see that Zuckerberg and Dorsey have been talking about improving the safety of social media platforms.“It has been encouraging to see Facebook CEO Mark Zuckerberg and Twitter CEO Jack Dorsey publicly acknowledging that more needs to be done to stop the spread of harmful content on their platforms, as well as to protect their users’ privacy and data.”Zimmer hopes that Zuckerberg and Dorsey, along with other platform executives, take advantage of this important conversation. FORT ST. JOHN, B.C. – Local M.P. and Chair of the Standing Committee on Access to Information, Privacy and Ethics, Bob Zimmer, has announced that at least nine countries, including Canada, will be taking part in the second gathering of the International Grand Committee.According to Zimmer, on May 28, representatives from Argentina, France, Germany, Ireland, Latvia, Singapore, the United Kingdom, and Ukraine will be joining Canada to discuss how they can protect citizen rights in the age of big data.Zimmer says having these countries on board will represent 355 million citizens, and will contribute to better protection of citizens in this digital age. “I hope that they, and other platform executives, will take advantage of this unique opportunity and come to Ottawa to be a part of this important conversation.”The International Grand Committee of Disinformation and ‘Fake News’ is co-chaired by Zimmer and Damian Collins, Chair of the UK Digital, Culture, Media and Sport Committee.last_img read more

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LeBron James Mike Brown Did Not Receive Fair Shake

The Los Angeles Lakers did not give fired coach Mike Brown a “fair shake,” according to LeBron James, who played under Brown with the Cleveland Cavaliers for five years.“I think it’s unfortunate,” James said Friday after the Heat’s win in Atlanta against the Hawks. “I just don’t think he got a fair shake, honestly. With the shortened season last year, and five games into this year, he didn’t really get a full season.”Fair shake or not, the Lakers move on with their search for a replacement, apparently centering on Phil Jackson and Mike D’Antoni, according to ESPNLosAngeles.com.“It’s neck and neck,” the source said. The Lakers intend to call Jackson on Saturday to gauge his interest in returning to the sideline.If the initial conversation with Jackson goes well, the Lakers are hoping to meet with him this weekend. While the Lakers have focused on Jackson, it would have to be a “philosophical match,” according to sources. Issues such as how much control over personnel decisions Jackson will want and whether he would travel to all games — issues that became problematic during Jackson’s last stint with the team — will surely be raised.The Lakers also have made initial contact with D’Antoni’s agent, sources said. D’Antoni already is stumping for the job.“If they offer it, I’d love it. It’d be a perfect fit,” D’Antoni told Fox Sports Southwest and DallasBasketball.com in the hours after Brown’s firing.The Lakers would like to move quickly through this process, as interim coach Bernie Bickerstaff has committed to working only a few games.Jackson is open to returning to the NBA sideline, multiple sources with knowledge of the Hall of Fame coach’s thinking told ESPNLosAngeles.com’s Dave McMenamin.Lakers general manager Mitch Kupchak told reporters Friday afternoon that the team’s brain trust — Kupchak along with Lakers owner Dr. Jerry Buss and executive vice president of player personnel Jim Buss — already has put together a list of potential replacements for Bickerstaff. Among the “four or five” names on that short list is Jackson, according to a league source. read more

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