Management integrates retail payment strategies into the institution's overall strategic planning, recognises that new payment lines, mergers, infrastructure changes and competition with innovative nonbank providers raise strategic risk, and supports business plans for products such as electronic bill payment, expanded card programs or merchant processing with an assessment of the risks, a documented mitigation program, a demonstration of the capability to provide the service, and an enterprise-wide view of retail payment activity that captures cross-channel fraud, money laundering and security risk.
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