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Course description

Debit Card fraud has grown to be an $11 billion industry. It may seem that the payment card industry has been slow to keep up with this alarming trend as the methods of obtaining card data exceed those of prevention. Further the regulatory and card branding rules seem to be stacked against the bank. Dispute processors, buried under the weight of Regulation E and VISA/MasterCard requirements, often do not have the time or the training to utilize the latest fraud prevention techniques. The combination of sophisticated crooks combined with outdated technology, compliance pressures, and insufficient resources can leave a bank with no means to close the flood gates of fraud losses.

The bank need not resign itself to this fate. A well designed debit card program that includes strong consumer education, error resolution procedures, and transaction monitoring is the key to stemming the tide of losses. In this session Brian will cover all three of these phases, including:

  • A history of how card fraud has evolved.
  • Current fraud trends and methods the crooks use.
  • Consumer education resources
  • Transactions types that are most vulnerable to fraud loss
  • Reg E investigation tips/procedures
  • Dispute examples when Reg E does and does not apply
  • Authentication-Blocking strategy
  • VISA/MasterCard rules for EMV (chip) cards

The program will benefit front line staff tasked with conducting interviews of debit card fraud victims, back office dispute processors, and risk managers. VISA/MasterCard chargeback rules will not be discussed in detail, but several real world examples of investigations will be included.


Brian Crow

Brian Crow is Executive Vice President at Thomas Compliance Associates, Inc. in Chicago, IL. Brian brings 20 years of prior banking experience to the consulting field. He was most recently Assistant Vice President and BSA Administrator for a suburban Chicago bank, where his responsibilities included preparing the bank's annual BSA risk assessment and audit documentation. Earlier as Operations Officer at the same bank, Brian monitored AML activity, aided in the implementation of the bank's AML software, and designed the bank's authentication blocking program that helped to reduce debit card fraud losses by 95 percent. Brian's responsibilities also included managing the bank's Regulation E claims, managing the bank's courtesy overdraft program, reviewing Reg CC hold notices for accuracy, and processing claims for fraudulent signatures and endorsements.Mr. Crow has been, and continues to be, an education consultant for BOL Learning Connect, conducting webinars that have covered VISA/MasterCard chargebacks, debit card compliance and fraud prevention for hundreds of banks. It was in this role that Mr. Crow was recognized as a Bankers Online Guru in 2011. Like many of us, Mr. Crow began his banking career as a teller, working his way up to head teller and then branch management responsibilities. He earned a B.A. degree in Theology from Concordia University, River Forest, Illinois. Because of his education background, Brian has been given the unofficial title of "Security Evangelist" as he strives to help financial institutions protect their bottom line from losses related to fraud. You can contract Brian at

Course curriculum

  • 1


    • Skimmers & Hackers & Phishers...Oh My!!!!

  • 2


    • Materials

    • Slides

    • Questions and Answers