Payments Basics -Wire & Card Basics

8.13.26 | 12:00 PM EST

Instructor: Kelly Rozier

Course Duration: 1 HR

What You'll Learn

Wire transfers and card payments are two of the most widely used and most scrutinized payment types in banking. Each carries distinct processes, regulatory expectations, and risk profiles that staff must understand to operate with confidence.

This course breaks down the essentials of both payment types. For wires, participants will explore how transfers are initiated and settled, why they're preferred for high-value and time-sensitive transactions, and what security and compliance controls matter most. For cards, the course covers how credit, debit, and prepaid transactions move through the system, who the key parties are, and how to handle risks like fraud and chargebacks. Walk away with a clear, practical understanding of wire and card payment operations—and the knowledge to support compliance, reduce risk, and serve customers more effectively.

Topics covered in this course

Wire Transfer Fundamentals and How They Differ from Other Payment Types
High-Value and Time-Sensitive Transactions: When Wires Are the Right Choice
Wire Security Controls and Compliance Requirements
Card Payment Processing: Credit, Debit, and Prepaid
Managing Card Risks: Fraud Prevention and Chargeback Handling

Who Should Attend?

BSA Officers and Support Teams
Call Center
Client Facing Teams
Deposit Operations
Electronic Banking
Finance and Accounting
Fraud Management
Internal Audit
Information Technology and Security
In-House Counsel
Risk Management
Senior Leadership
Treasury Management

About the Author:

Kelly Rozier

Kelly Rozier has extensive banking experience; specializing is Electronic Payments and fraud. Ms. Rozier advises both financial institutions and their service providers on payments audits, process improvement, and risk management. She provides expertise in ACH, Wire Transfer, Remote Deposit Capture (RDC), and other payment systems, including audits of third-party senders and service providers. She works closely with banking professionals, , risk managers, compliance officers, and operations teams in the context of payments compliance, process optimization, financial risk management, and regulatory education. Additionally, Kelly collaborates with the Simplify Risk–Secura membership program to deliver education and resources tailored to banks, fintech companies and credit unions Prior to joining Stout, Kelly was responsible for the payment’s governance including treasury services and oversight for an $18 billion in assets financial institution. Kelly has a significant amount of experience working on the financial institution side and working with all the major core providers on electronic payments needs based on external fraud threats, network and regulatory requirements. Kelly also has ten years of experience working directly with the BSA/AML and fraud areas specific to electronic payments fraud and incident response.

On-Demand Course