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Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -1 ITN 02F12GC1
4 Executive Overview
ITN Section 4.2.5 This section of the ITN requires the Respondent to describe and provide evidence of their capabilities to perform the scope and types of tasks required by DCF. DCF will allow the Respondent’s to subcontract one (1) or more required services to another vendor therefore a prospective Respondent’s experience, combined with that of any subcontractor(s), must demonstrate the capability to successfully meet the requirements of this ITN. A Respondent’s Executive Overview must include its understanding of the statement of need and EBT Regulatory Compliance requirements (Appendix IV.l.).
FIS’ goal is to provide Florida DCF the full suite of products and services you have
carefully outlined in your ITN, including complete, end-to-end EBT systems and
nationally-recognized customer service. As a market leader in providing EBT services to
26 EBT projects during the past twenty years, FIS clearly understands the current
budgetary constraints under which states must operate today and offers value-priced
services for these challenging economic times.
After a careful review of the State of Florida’s ITN, we have drafted this response to
demonstrate our understanding of the State’s specific EBT needs. This Executive
Summary and our Technical Proposal document FIS’ knowledge of and ability to
perform the EBT services and all associated tasks required by the Florida Department of
Children and Families (DCF) as outlined in this ITN and supporting documentation. We
understand and will comply with all EBT Regulatory Compliance Requirements listed in
Appendix IV.I of the ITN.
We are a flexible company, prepared for the changing needs of our state clients and will
be ready with full support to add or enhance any program should changes be mandated by
law or requested by the Department. We look forward to serving as a partner to the
Department and assisting your team in evaluating and developing the technical solutions
needed to support your growth and future needs. FIS is committed to working with you
in a cooperative and responsive manner.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -2 ITN 02F12GC1
Never Compromise.
FIS Executive Summary
FIS is a strong, solid corporation (NYSE:FIS) with over 14,000 customers worldwide.
FIS has an impeccable track record of service to our customers, a fact backed up by our customer satisfaction surveys.
FIS Government Solutions delivers stellar processing with more than 99.9% system uptime.
FIS executes meticulous installations using project management skills proven in 26 EBT projects.
FIS Government Solutions innovates with EBT, wireless solutions, WIC EBT, child care payment, prepaid debit card solutions, disaster recovery solutions, and numerous emerging solutions to improve the overall EBT experience for all stakeholders.
FIS’ competitive pricing contributes directly to your bottom line.
We deliver what we promise. Period.
FIS will provide a full-service, turnkey EBT solution for the programs requested:
Food Assistance Program (FAP)
Temporary Cash Assistance
Refugee Assistance
Optional State Supplementation
Personal Needs Allowance Supplementation
Food Assistance Employment & Training Benefits
FIS has the ability and the flexibility to add new programs and services that may be
mandated by law or requested by the Department throughout the contract term. FIS will
provide these solutions to Florida DCF with as little disruption or change to your current
operations as possible and with no interruption of services to clients or retailers.
FIS IS A STRONG, SOLID WORLDWIDE CORPORATION
FIS is the world’s top-ranked technology provider to the banking industry. For the past
40 years, FIS has served the unique needs of financial services organizations around the
world, helping them compete more effectively in a rapidly changing global marketplace.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -3 ITN 02F12GC1
Every solution FIS offers – including our EBT processing for State government agencies,
payments processing, core banking, risk management, and consultative services – is built
on a client-centric foundation that supports strong strategic partnerships with more than
14,000 financial institutions and 100,000 merchants in more than 100 countries supported
by over 32,000 employees.
FIS delivers comprehensive solutions to more markets in more industries in more
countries than anyone else in the world. Our vision is to leverage FIS’ solution breadth,
market reach, client relationships and industry expertise to provide our clients with the
resources to transform the way they do business.
Figure 4-1 FIS has built a strong foundation centered on its clients
As the leading FinTech provider, FIS settles more than $1.2 trillion annually and
provides more than 151 million prepaid cards, 78 million debit cards, 71 million credit
cards, 380,000 ATMs, and two million POS locations. We process banking transactions
for more than 310 million bill payments annually and 500 million demand deposit
accounts, and we score more than 80 percent of the new deposit accounts opened in
North America.
FIS has compiled the most complete banking and payments portfolio in the market, with
more than 300 banking and payments solutions. Our company invests more than $300
million annually in next-generation advancements, bringing to our clients the innovation
they need to compete and win during changing times.
• 300+ banking & paymentssolutions
• Business ProcessOutsourcing, consulting, &transformational services
• 14,000+ FIs
• 5,600+ credit unions
• 100,000+ merchants/billers
• Federal government & 40 stategovernments
• Local presence in 109 countries
• 500 million DDAs
• $1.2 trillion moved annually
• >80% of North American new deposit accounts scored
• More than 40 years FinTechexperience
• 1,500 consultants
• Dedicated market practices
• 32,000 employees worldwide
ClientFocus
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -4 ITN 02F12GC1
Figure 4-2 FIS has a complete banking and payments solutions portfolio
Market Leadership Our strategic focus has been on helping our clients forge lasting, successful relationships
with their customers, and on solving their most complex business challenges. Wherever
and however consumers and businesses transact, FIS will power their financial needs
with market-leading solution23s.
FIS invests heavily in technology and product innovation, with more than $300 million in
capital investments targeted for 2012. These investments will deliver the following
benefits to our clients:
Lowered total cost of ownership
Improved profitability
Streamlined operating leverage
Integrated data and delivery
Minimized risk
Improved client service
Multi-channel customer access
Consistent, timely, and complete account information
Consolidated reporting
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -5 ITN 02F12GC1
FIS’ overall strategy has resonated well with clients of all sizes and from various market
segments, including some of the world's most successful banks, credit unions,
government agencies, healthcare entities, and financial services organizations:
Eight of the top 10 global banks
18 of the top 25 national retailers
Nearly 75 percent of U.S. credit unions
We are also the partner of choice powering many of the leading
direct-to-consumer integrated financial services offerings,
including such brands as Ally Bank, MetLife, Sallie Mae,
Schwab Bank, TD Ameritrade, and E*TRADE, among others.
This approach has received industry-wide recognition. FIS was
named #1 on the 2011 FinTech 100 rankings. Our company also
received other accolades, including:
Ranked #3 on the Barron’s 500 for 2011
Ranked #426 on the Fortune 500 and #967 on the Forbes
Global 2000
Received 2011 ―Paybefore Awards‖ Best-in-Category by
Celent, IBM and Visa
Recognized by Celent for "Outstanding Customer Service"
during the implementation of the company's mobile banking
solutions to more than 200 institutions
Named Company of the Year for "Operational Excellence and
Quality" at the economictimes.com BPO Industry Awards in
New Delhi
Winner of the IBM® Beacon Award for "Outstanding
Enterprise Application Solution" for technical excellence and
innovative solutions based on its core Profile® conversion for
Government Savings Bank (GSB) in Thailand
Most-used and most-admired core banking vendor by CIOs of
the top 120 banks in North America by asset size, according to Aite Group
―Best Prepaid Service Provider‖ according to European prepaid industry key
representatives
No. 1 mobile banking vendor according to ABI Research
-- Karen Massey, Senior AnalystIDC Financial Insight
"It is impressive to see a technology solutions provider such as FIS continue to grow its revenues in one of the most challenging and competitive times in our industry.“
Ranked #426
#967 Global 2000#1366 in Sales#1181 in Profit#1165 in Assets
#996 in Markey Value
-- Jacqueline DohertyBarron’s Cover Article, “Making the Grade”
“[The ranking] suggests management is on its game and adept at using all available tools to find new markets, control costs and deliver the products and services customers want, need and demand.”
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -6 ITN 02F12GC1
Payment Solutions Our Payment Solutions division services payment and electronic funds transfer needs by
providing a comprehensive set of software and services for the EFT, card processing,
item processing, bill payment, and government and healthcare payments processing needs
of our customers.
Electronic Funds Transfer - Our electronic funds transfer
and debit card processing businesses offer settlement and card
management solutions for financial institution card issuers.
We provide traditional ATM- and PIN-based debit network
access and emerging real-time payment alternatives through
NYCE. We are also a leading provider of prepaid card
services which is a fast growing channel. Services include gift
cards and reloadable cards with end-to-end solutions for
development, processing, and administration of stored-value
programs.
Item Processing and Output Services - Our item processing
services furnish our clients with the equipment needed to
capture data from checks, transaction tickets, and other items;
image and sort items; process exceptions through keying; and
perform balancing, archiving, and the production of
statements. Services are performed at one of our item
processing centers located throughout the U.S. or on-site at
customer locations. Our extensive solutions include
distributed data capture, check and remittance processing,
fraud detection, and document and report management.
Output services that are ancillary to our primary payment
solutions include print and mail capabilities and card
personalization fulfillment services. Our print and mail
services offer complete computer output solutions for the
creation, management, and delivery of print and fulfillment
needs.
Credit Card Solutions - Thousands of financial institutions utilize a combination of our
technology and or/services to issue VISA®, MasterCard®, or American Express®
branded credit and debit cards or other electronic payment cards for use by both
consumer and business accounts. Our services range from card production and activation
to an extensive range of fraud management services to value-added loyalty programs
designed to increase card usage and fee-based revenues. The majority of our programs
are full service, including most of the operations and support necessary for an issuer to
operate a credit card program. We do not make credit decisions for our card issuing
FIS Payment Solutions
Highlights
Support for more than 71 million credit card accounts, 42 million loyalty accounts, 151 million prepaid cards and 78 million debit cards
More than 7,000 debit, credit and checking account loyalty and rewards programs
More than 680 million prepaid card transactions processed annually, representing over $35 billion in value
More than 316 million bill payments processed annually
Support more than 380,000 ATMs globally and two million POS locations through its NYCE
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -7 ITN 02F12GC1
customers, nor do we fund their receivables. In addition, our merchant card processing
service provides everything a financial institution needs to manage its merchant card
activities including point-of-sale equipment, transaction authorization, draft capture,
settlement, chargeback processing, and reporting.
ePayment Solutions – We provide reliable and scalable bill publishing and bill
consolidations technology for our customers, generating millions of monthly bills and
servicing both billers and financial institution customers. Online bill payment
functionality includes credit and debit card-based expedited payments. Our end-to-end
presentment and payment solution provides an all-in-one solution to meet billers’ needs
for the distribution and collection of bills and other customer documents. FIS also
provides automated clearing house processing.
Check Authorization - Our check authorization business provides check risk
management and related services to businesses accepting and cashing checks. Our
services assess the likelihood (and often provide a guarantee) that a check will clear. Our
check authorization system uses artificial intelligence modeling and other state-of-the-art
technology to deliver accuracy, convenience, and simplicity to retailers.
Financial Summary FIS is traded on the New York Stock Exchange under the ticker symbol 'FIS.' FIS is a
member of the S&P 500 index with a market capitalization of over $7 billion.
Detailed financial information, including the latest Annual Report, earnings materials,
and SEC filings can be found at http://www.investor.fisglobal.com/.
FIS GUIDING PRINCIPLES
FIS operates with five guiding principles that support our key areas of focus:
1. Client Focus. Value every client, protect each relationship and never compromise our
unmatched standards of excellence.
2. Employee Engagement. Drive a high degree of employee engagement, while
upholding the highest standards of openness, honesty and ethical behavior.
3. Market Leadership. Lead the markets we serve by delivering unparalleled value
through our entrepreneurship, technology leadership and financial expertise.
4. Operational Performance. Strive to establish best practices and to deliver premier
performance, simplifying and improving daily processes, while limiting bureaucracy.
5. Community Involvement. Give back to the global communities in which we live
and work, through philanthropic and civic involvement.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -8 ITN 02F12GC1
Community Involvement One of FIS’ core values has always been our commitment to give back to the
communities in which we live and work, through philanthropic contributions and
personal involvement. To support and advance this core value, FIS has established ―The
FIS Charitable Foundation‖ (the Foundation), a non-profit, non-stock corporation that
serves as the primary source for corporate charitable contributions.
The Foundation complements the philanthropic and volunteer efforts of our employees
by providing financial support to qualified organizations operating within our areas of
focus: Education, Health and Human Services, and Community Development.
In establishing the Foundation, we have created a new set of Charitable Giving
Guidelines. They provide information regarding:
Our Mission: Giving back to the communities in which we live and work
FIS Charitable Giving Focus Areas: Education, Health & Human Services, and
Community Development
The FIS Corporate Charitable Contributions Committee
Local Charitable Contributions Committees at our largest locations
COMPANY HISTORY
FIS traces its history to the 1960s with the inception of data processing services at
Marshall & Ilsley Bank (the predecessor to Metavante) in 1964 and with the launch of the
Systematics core banking solution in 1968. Over subsequent decades, the company has
continued to expand its service offerings for financial institutions of all sizes, including
credit unions, community banks, and more.
Beginning in the late 1990s, the company experienced explosive growth and change –
acquiring more than 40 companies including such industry leaders as Certegy (2006),
eFunds (2007), Metavante (2009) and Capco (2010). This acquisition growth enabled the
company to expand its current banking and payment capabilities while entering into new
global markets. A former subsidiary of Fidelity National Financial (FNF), FIS was spun
off into a separate, publicly traded and NYSE-listed company (NYSE: FIS) in 2006.
The combination of organic and external growth has positioned FIS as the #1 technology
provider for the financial services industry. Through the visionary leadership of its
management and its philosophy of providing premier service to its clients, FIS remains
on a short list of providers capable of offering so much breadth and depth of its solutions
to so many financial institutions, government entities, and retailers throughout the world.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -9 ITN 02F12GC1
Figure 4-3 Multiple acquisitions through the years have contributed to FIS’ extensive growth and ability to provide a wide variety of financial services
FIS Government Experience FIS provides an extensive and
robust range of EBT services
to 45 of the 50 states. We
offer a full end-to-end suite of
EBT processing services for
all EBT programs available.
Our total solution includes
wireless POS terminals, EBT
transaction acquiring and
switching, child care payment
solutions, debit card payment
solutions, WIC EBT services,
and a host of products and
services designed to support
the various needs of our State
and vendor client base in these
rapidly changing
technological times.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -10 ITN 02F12GC1
We are the prime EBT contractor (dark green on the map) for Arkansas, the District of
Columbia, Kansas, Minnesota, Missouri, North Carolina, North Dakota, Oregon, South
Dakota, Tennessee, and Wisconsin. We serve as the EBT processor for New Hampshire,
Rhode Island and Vermont. We provide subcontractor services, such as EBT transaction
acquiring and switching services, retail contracting and support, customer service, and
project management and development, in numerous other states (light green).
FIS supports EBT services from multiple locations throughout the United States with
primary EBT services located in the metropolitan Milwaukee, Wisconsin area. All EBT
services are U.S.-based.
Figure 4-4 FIS Processing Locations
FIS DELIVERS CUSTOMER SATISFACTION
FIS is committed to providing excellent customer service and award-winning products,
which enable our clients to reduce transaction and infrastructure costs, detect potential
fraud, and enhance relationships with their customers.
FIS’ philosophy is simple: Never Compromise. On Quality. On Service.
FIS is known in the EBT industry for our satisfied customers. We maintain this client
satisfaction the old-fashioned way: we talk with you and listen to what you say.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -11 ITN 02F12GC1
We deliver what we promise. Period.
We measure client satisfaction:
DAILY - when your staff contact us for help
MONTHLY - when our project and account managers meet with the State project
managers to provide the Report Card of how we performed and met your expectations
ANNUALLY - when we conduct the Customer Satisfaction survey
Year after year, on the annual survey our EBT customers rate FIS ―excellent.‖
The annual rating is the result of client satisfaction built
on FIS’ daily interaction with you. We recognize that the
success of any EBT Project is directly related to effective
communication among all parties involved in the project.
Florida DCF staff must have a timely and accurate flow
of information, in addition to access to EBT project staff.
As one of our core values of Client Focus, FIS has an
excellent history of working closely with our customers
and service providers and suppliers to help ensure that
open lines of communication are created and maintained.
FIS’ communication approach and tools allow us to
closely monitor and maintain satisfaction among our
EBT clients.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -12 ITN 02F12GC1
FIS EXECUTES METICULOUS PROJECT INSTALLATIONS
FIS has never missed an EBT conversion date.
Throughout our two decades-long EBT experiences, we have developed and refined our
project management techniques, controls, and reporting mechanisms. We have a flawless
reputation of implementing and converting all of
our projects on time. FIS’ project management
approach includes:
A detailed, phased approach to the entire project
with all activities and anticipated timeframes, and
estimated completion dates clearly defined in a Project Work Plan.
A detailed Requirements Document that provides specifications necessary for the batch
and administrative interfaces from the State’s system to the FIS ebtEDGE System, the
webADMIN platform, and card and PIN issuance for state clients. This document will be
considered a working document until requirements have been satisfied and any
outstanding items have been resolved.
Standardized procedures for system modifications and enhancements, change requests,
quality control, and other quantifiable processes.
Use of automated tools, such as Microsoft Project, for comprehensive project control and
reporting purposes.
Regular project status meetings between the many FIS Project Staff teams and our State
client’s Project Staff.
Regular communication between the Project Manager, senior management and members
of the Government Solutions Oversight Management Committee regarding the status of
the Project and any issues or concerns.
Quality assurance checkpoints for all major project deliverables including planning
documents, testing processes, and other required deliverables. Our Project Team will
work together to define the quality metrics, which can be used for each deliverable.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -13 ITN 02F12GC1
FIS GOVERNMENT SOLUTIONS DELIVERS CUSTOMER SERVICE
FIS has a wealth of customer service experience, having provided EBT client and retailer
customer service to 37 EBT projects. We will deliver superior customer service and 24/7
professional support for your
EBT cardholders and retailers.
Florida State and local office staff
will be expertly trained and
supported by State Support
services to handle and resolve any
operational issues they may
encounter. We understand
changing EBT systems will
require Florida DCF staff training
and our training team will
support you during the transition
until you become experts on the
ebtEDGE System.
Training on the Internet FIS is a leader in easy-to-use and self-paced training using an Internet browser. All a
client, retailer or Florida DCF staffer needs to access information at www.ebtEDGE.com
is Internet access and a browser. Point. Click. Learn.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -14 ITN 02F12GC1
FIS GOVERNMENT SOLUTIONS DELIVERS STELLAR PROCESSING
FIS recognizes that our customers value efficient and reliable delivery of processing. Our
ebtEDGE System processing speeds and accuracy rates far exceed federal guidelines—a
deliberate outcome of FIS’ technology design and
management approach. To maintain superior
performance, FIS created several significant benchmark
tests that fine-tune the software product, increase
performance, outline processing characteristics, and
improve throughput. We demand that all participating
third-party processors also agree to comply with
processing speeds and availability standards.
ebtEDGE System Enhancements FIS is committed to ensuring that our EBT product services are state-of-the-art, current
with industry trends and compliant with federal regulations. In addition to the direct
enhancements for states, FIS ensures that our infrastructure continues to be enhanced by
regularly adding or upgrading CPU, disks, servers, and ports.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -15 ITN 02F12GC1
FIS GOVERNMENT SOLUTIONS INNOVATES
FIS uses our EBT and transaction processing expertise to develop
and implement solutions that complement EBT including Child
Care (Time and Attendance Tracking or Parent Pays Provider),
electronic payment cards, online WIC EBT (Women, Infants
and Children), wireless payments, and more.
We are at the forefront of the
wireless payments revolution as
the only EBT processor with a
proven, viable wireless
payments solution using the
VeriFone Vx 610 POS device.
Our Wireless Payments solution
allows FNS-certified farmers’
markets, roadside vendors, and
route vendors or any facility
without a dedicated, wired POS
device to actively participate in
the EBT program.
Wireless technology opens the
door of these retailers to EBT cardholders, and for EBT cardholders to local sources of
fresh and healthy foods—a win-win for all participants. Our Wireless Payments Solution
is successfully used by farmers’ markets coast-to-coast, including at the Human Services
Coalition of Dade County Farmers Market in Florida.
All of our solutions are available to Florida DCF to streamline your operations and
improve your bottom line.
FIS
INNOVATES!
FIS
INNOVATES!
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -16 ITN 02F12GC1
FIS GOVERNMENT SOLUTIONS CONTRIBUTES TO YOUR BOTTOM LINE
Although bottom lines are fluid, based on the needs of each EBT stakeholder, FIS
Government Solutions delivers direct benefit to your bottom line:
STAKEHOLDER WHAT IS MY BOTTOM LINE? WITH FIS? Cardholders Can I get my benefits when I need them? YES
Florida DCF Staff Does the system I use every day help me to do my job effectively? YES
Your Project Director Do I have the reporting I need to manage the EBT processor? YES
Your Finance Team Is the State benefitting from value pricing? YES
OUR SERVICE COMMITMENT TO FLORIDA DCF:
Begin a successful partnership with you
so you can achieve your goals and objectives
with hassle-free daily operations
and superior total system performance,
all of which is value-priced.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -17 ITN 02F12GC1
FIS’ WIC SERVICES PARTNER: CUSTOM DATA PROCESSING, INC.
FIS is proud of our strategic partnership with Custom Data Processing, Inc. (CDP) for the
provision of WIC EBT services. CDP is a subchapter S, sole proprietorship, incorporated
in the State of Illinois. The founder and owner of the company, Jack Marston remains
active in the company, serving as President. Stan Cochran serves as the Chief Executive
Officer.
CDP is a nationally-recognized corporation specializing
in custom software solutions for the public healthcare
industry. They are one of only a handful of companies
worldwide that focus on the public health market, with
applications ranging from environmental inspections to
electronic medical records to WIC.
CDP’s healthcare portfolio includes over 30 years’
experience in custom software development, hosted software applications, web-based and
mobile application development, network services, and a full-range of customer support
services. CDP understands government processes and regulations in the public
healthcare industry, having developed customized solutions to help agencies meet federal
and state guidelines and electronic business requirements.
CDP is a small company with huge talent and great expertise in the field of WIC MIS and
e-WIC. CDP has a team of nationally-recognized experts in e-WIC software, systems
development, retail integration management, quality assurance, and WIC program
management. Members of their WIC Direct team serve on committees developing
national standards for WIC CVB, smart card WIC EBT, online WIC EBT, and ANSI
X9.93. Additionally, CDP staff includes three former Kentucky WIC program managers
in the areas of clinic management, vendor management, and WIC UPC database
development. Members of this highly qualified team will be assigned to the Florida WIC
Project should the State choose to implement this optional service.
Online WIC Partnering with our subcontractor, Custom Data Processing, Inc. (CDP), FIS is a leader in
the transition of WIC from paper to electronic delivery of benefits, known as WIC EBT
or e-WIC. Throughout the nation, the FIS Team, comprised of members from FIS and
CDP, currently provides a number of unique services to the WIC community that help
deliver WIC EBT benefits to clients, as well as streamline operations to retailers. FIS is
the prime contractor for the State of West Virginia e-WIC Project, and a subcontractor
for WIC Projects in the Chickasaw Nation and the states of Nevada, Kentucky, and
Vermont.
CDP is…
Flexible
Responsive
Customer-Focused
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -18 ITN 02F12GC1
WIC Direct was built by our subcontractor and e-WIC partner, CDP, as a collaborative
effort working with Kentucky WIC, the FNS national office, and a representation of
vendor and TPP stakeholders. It has been the seed bed for innovation and standardization
of WIC EBT business practices, as well as technical innovation. It is a state-of-the-art
software solution designed with the intent of government ownership and transferability
between state agencies.
The WIC Direct processing platform is the core of the technology being proposed for
Florida; a proven product built specifically to address the complex needs of WIC EBT. It
is currently used in Kentucky to provide online WIC EBT services and is in the process
of being implemented in West Virginia.
WIC Direct continues to evolve. With each new State user, the features and functions of
WIC Direct are expanded to incorporate that State’s vision for EBT. Every time this
happens, the existing States reap the benefits of the new enhancements at no cost. All
enhancements are made available to the entire user community. In this way, state
agencies are assured that their WIC Direct EBT platform will not become outdated or
obsolete. It will assure Florida of a proven product from the very beginning that offers a
long and sustainable life cycle.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -19 ITN 02F12GC1
FIS PREPAID SOLUTIONS PARTNER: U.S. BANK
FIS is proud of our strategic partnership for debit card services with our client, U.S.
Bancorp. U.S. Bancorp is the parent company of U.S. Bank National Association (U.S.
Bank). U.S. Bancorp is the fifth largest financial services holding company in the Unites
States – conducting operations through 3,085 bank branches and 5,053 ATMs (brick and
mortar) in 25 states, and providing a comprehensive line of banking, brokerage,
insurance, investment and mortgage, trust, and payment services products to consumers,
businesses, governments and institutions in all 50 states. They provide financial services
to 17.2 million customers with approximately 63,000 full-time employees throughout the
United States and Europe. U.S. Bancorp and its employees are dedicated to improving
the communities they serve, for which the company earned the 2011 Spirit of America
Award, the highest honor bestowed on a company by United Way.
As a publicly traded corporation, U.S. Bank’s annual reports, 10-K filings, and 10-Q
filings are available online for public viewing.
Florida EBT Proposal
Presented to
4 Executive Overview
4.2.5.1 Understanding of Statement of Need
June 12, 2012 4 -20 ITN 02F12GC1
U.S. Bank is proud to be one of Fortune magazine’s Most Admired companies in 2011.
Highest Rated Bank in the Nation U.S. Bank is proud that Standard and Poor’s and Moody’s now rank them as ―the highest
rated large bank in the United States.‖ Their prudent and conservative banking principles
are now seen as the ―new paradigm‖ of success for financial institutions. Unlike many of
their peers, they are well-positioned for growth and expansion and welcome the
opportunity to extend their full product and service portfolio to all new customers as well
as their existing customers.
Figure 4-5 U.S. Bank Moody’s, S&P, Fitch, and DBRS Rankings
Government Prepaid Experience In 2001, U.S. Bank became the first electronic paycard vendor in the nation to implement
a debit card solution for the disbursement of government payments when they
successfully developed the ReliaCard® Visa® and launched the Colorado Child Support
Program. That program has been renewed three times since and still functions today as
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the original model for all government agency paycard solutions. At the same time, they
also released the ReliaCard card for payroll applications and tailored it with the same
great cardholder-friendly features and functions.
U.S. Bank remains one of the largest and most experienced issuers of prepaid cards in the
nation–servicing hundreds of large government agencies and Fortune 500 corporations
with the most widely-accepted and cost-effective prepaid cards available:
One of the largest issuers of Visa prepaid debit cards in the U.S.
Largest issuer of Visa corporate and purchasing cards in the world
Second largest issuer of Visa business cards in the world
Third largest merchant acquirer/processor in the U.S.
Fifth largest debit card issuer in the U.S.
One of the largest Visa gift card issuers (36+ million)
First to introduce the Visa Buxx® prepaid debit card – teen-targeted money management
tool
First bank to introduce a disability claim-based Visa product
Member of the National Automated Clearly House Association (NACHA)
Charter member of both Visa and MasterCard and has served on Visa’s Board
Today, U.S. Bank is extremely proud that their government agency client list, 33 major
agencies in 16 states, is one of the largest in the country, and their combined (ReliaCard
and AccelaPay) active cardholder population has grown to over 2.3 million in all 50
states. These cardholders receive regular direct deposit payments to their debit cards and
enjoy cash access within the massive U.S. Bank and MoneyPass ATM networks,
combined with teller-assisted cash access at every Visa-branded bank and credit union
across the country. And with Visa-branding comes the convenience and use of the card
at the more than 30 million point of sale locations (brick and mortar, online or over the
phone) in the world that accepts Visa debit. U.S. Bank provides POS purchases, returns,
―cash back,‖ and declines. The U.S. Bank paycard portfolio has established a remarkable
track record of success throughout the United States.
4.2.5.1 Understanding of Statement of Need
Respondents will include information showing their understanding of the needs specific in this ITN.
FIS has carefully studied the material and all associated documentation contained in the
State of Florida DCF’s Economic Self-Sufficiency Program Office Invitation to Negotiate
for Electronic Benefits Transfer and Electronic Funds Transfer and the associated
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Answers to the Vendors’ Questions. We have a thorough and clear understanding of the
objectives and issues underlying the services requested. We believe that our proposed
solution, contained in this proposal, fully describes how our approach to deliver all the
requested services will meet the State’s objectives.
Following is a brief summary of what we believe are Florida’s main objectives for the
new EBT contract and our understanding of each criteria.
EBT/EFT PROVIDER
FIS understands that the Department is seeking an EBT/EFT provider for services within
the State of Florida that will include electronic payments and services for programs
administered by the Department, and other State agencies today, as well as for the future
delivery of benefits and services for other programs.
We understand the objectives of the Department include, but are not limited to:
Improving customer service and the timely and accurate delivery of cash, food, and other
benefits to eligible recipients
Enhancing the efficiency and the effectiveness of the program’s administration and
accountability
Improving the service delivery and decreasing the costs of the Disaster Services program
Reducing program fraud and abuse
Reducing overall benefit delivery costs.
FLORIDA’S EBT PROGRAMS
FIS is prepared to meet and exceed the State’s expectations as your next EBT provider.
We are prepared for an on-time, smooth conversion of the following current programs:
Food Assistance Program
Temporary Cash Assistance
Refugee Assistance
Optional State Supplementation
Personal Needs Allowance Supplementation
Food Assistance Employment and Training
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FLORIDA’S FUTURE PROGRAM GOALS
FIS will assist the Department in activating any future programs and services during the
contract period. We are a flexible company, prepared for the changing needs of our state
clients and will be ready with full support to add or enhance any program should changes
be mandated by law or requested by the Department. We look forward to serving as a
partner to the Department and assisting your team in evaluating and developing the
technical solutions needed to support your growth and future needs. FIS is committed to
working with you in a cooperative and responsive manner.
We recognize that the Department is considering the following future programs for
conversion to either EBT or EFT, and we are equipped and eager to assist the State in
these endeavors once the Department elects to move forward and receives the required
federal approval:
Special Supplemental Nutrition Program for Women, Infants and Children (WIC)
Any programs administered by the Agency for Persons with Disabilities
Other Department programs, as identified.
NEW EBT CONTRACT TERM
FIS is prepared to enter into a three (3) year contract term, with an anticipated start date
of July 1, 2013, with the understanding that the Department could extend that contract
term for a period not to exceed (3) years, one (1) three year period, or for the term of the
original contract, whichever period is longer.
FLORIDA’S REQUIRED EBT/EFT PROGRAM TASKS
Throughout our proposal, FIS describes in detail how we will meet all requirements of
the Florida DCF outlined in the ITN. As an EBT provider to State and county
government agencies for over 20 years, and a leading EFT provider for 34 years, FIS is
confident that we can not only meet, but exceed, the Department’s expectations for your
next provider. Our end-to-end solution continues to evolve along with the needs of our
clients, and the ever-changing regulatory environment. Our ebtEDGE system, which is
described in later sections, will fully support the required services for the Department,
which include, but are not limited to:
Account Setup
Benefit Authorization
Account Maintenance
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Card and PIN issuance
Training for Cardholders, Retailers, and Administrative Staff
Cardholder, Retailer, and State Customer Service
Transaction Processing, Routing and Switching
Retailer Management
Settlement Services
Reconciliation Services
EBT-only POS Services
Reporting
Fraud Detection/Prevention Management
Disaster Services
Additionally, FIS will perform all the required tasks for Florida DCF throughout the life
of the contract, as needed to support the addition of future programs and services due to
changing State and/or regulatory requirements.
ESSENTIAL PROGRAM COMPONENTS
FIS has carefully studied all program and service components and requirements provided
in the ITN. We understand and will comply with all EBT Regulatory Compliance
Requirements listed in Appendix IV.I of the ITN. Our response demonstrates how FIS
will fully support and meet all requirements for all services, hardware, and software, as
outlined by Florida DCF for the following key components of the next EBT contract:
EBT Administrative System
EBT Cards and PINs
Disaster Support and Recovery Services
Cardholder, Retailer, and State Customer Service
Training for Cardholders, Retailers, and Administrative Staff
Transaction Processing, Routing, and Switching
Retailer Management
Fraud Detection/Prevention Management/Investigations Support
Settlement and Reconciliation Services
Data Warehouse
EBT Reporting
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State and Federal System Interfaces
EBT Account Structure and Benefit Delivery Model
Direct Deposit from the EBT Cash Benefit Account
Optional Services, to include but not limited to:
ACH Services
Branded Debit Cards
WIC Services
In order to ensure a smooth conversion of products and services, and to maintain all
required service levels and functions, the right team must be in place, dedicated to the
Florida project from the first day of the executed contract. FIS will fully comply with all
staffing requirements. We offer a team of highly skilled EBT professionals for the Florida
EBT/EFT project and also have contingency plans in place for whenever additional staff
is needed, or to step in for our Project Team during any periods of unexpected absence.
We stand ready to move forward with the new contract with Florida DCF if selected as
your new EBT provider and partner.
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—END OF TAB 4—