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Crystal Ball – Association Retrospective from 2020 and a Look into the Future – Download the Recorded Webinar

Webinar: group live presented online  ||  Attendance: 17 Associations  ||  Reviews  ||  Great to share how people are managing the new world  ||    Thanks for the discussion!  ||  Just trying to keep our pulse on the industry and awareness of potential opportunities  ||  no other vendor brings true educational value quite like UST.  You have it down to an art form, we are very proud to be part of it.

Click here for Recorded Webinar

(Note: CAE or CPE credits can only be granted to attendees of the group-live webinar presented online)


Title Crystal Ball – Association Retrospective from 2020 and a Look into the Future
Date Thursday, November 12, 2020
Time 1:00 – 2:30 pm  3:00 – 4:30 pm EASTERN TIME (Note Revised Time)
 Description When it comes to planning for the future, what better guide than a look back to the past. While 2020 has been quite the year, chalked-full of change and uncertainty, many industry trends and learning lessons have emerged along the way.

Join this all-star panel for a diverse, C-level perspective. We’ll discuss change management and case studies from associations and nonprofits working and thriving in the trenches, and their “crystal ball” predictions for 2021 and beyond.

We will cover a wide range of topics, including, but not limited to:

  • How does 2020 compare to other milestone years?
  • Industry trends to watch
  • Learning lessons and case studies
  • Live events moving to Virtual and Hybrid Events
  • Remote Employees and Remote Offices
  • Collaboration Tools
  • Future Travel – COVID considerations
  • Budgeting in a pandemic
  • And much more!



Instructor Bio:

Craig Dellorso, CEO and Co-Founder, Confluence Global

Based in Fairfax, Virginia, Craig calls upon 20 plus years of extensive leadership, technology, and operations experience in the Association and Non-Profit space to provide customers with transformative solutions and guidance. Having worked both in an association and as a vendor to the industry, his blend of experience provides Association and Non-Profit clients a unique and valuable perspective for success. He has built a reputation of integrity, innovation, and service excellence.

Craig served as the Chief Customer Officer for Abila (formerly Avectra), a provider of association management software. In that role, he oversaw a staff of 120 who were responsible for selling, delivering professional services, training, and customer support of three product lines to more than 1,750 organizations. Prior to that, Craig served in roles as the Chief Information Officer for the National Association of College & University Business Officers (NACUBO), and General Manager, mindSHIFT Technologies.

Gary Sundel, CIO, American Bankers Association

Gary is a senior executive with core competencies in IT management, operations and risk management. He has over 15 years of AMS consulting experience working with Fortune 500 companies building a workflow and imaging practice, 4 years of working with Capital One in internal IT Leadership; 6 years with Lockheed Martin building a managed services organization for the FDIC and 5 years with Fannie Mae performing Product Strategy for the business side. He has been particularly effective at working with business organizations to understand their needs and deliver IT solutions.

As top IT Executive for the ABA, Gary focuses on effectively enabling the organization to pursue its business objectives. For years, Gary has stablished the technology vision and “roadmap” for the Association while providing leadership for developing and implementing information technology initiatives that help ABA solve business problems and identify opportunities for improved operational efficiencies and growth. Gary is responsible for all aspects of information technology and systems, including the association’s internal data center and SAAS services.


Lee Hornstein, Founder and CEO, C Systems Global

Lee has been a champion for the implementation and support of sophisticated, vertical market application software since 1980. Lee brings a deep knowledge and understanding of project management processes, membership and fundraising applications, accounting, order fulfillment, customer service, and distribution systems.

One of Lee’s proudest achievements was his involvement in the initial formation of NiUG, the International iMIS User Group, which currently has over 800 organization members and 7,000 active members. Lee and his team are very active in the iMIS community as C Systems is regarded as one of the largest and most experienced Authorized iMIS Solution Partners (AiSP). C Systems is a multi-year winner of ASI’s AiSP of the Year award, an achievement that salutes the hard work and dedication of the talented C Systems team members.

Level Intermediate
NASBA Category Business Management and Organization
Field of Study Strategic Management
Prerequisites Some Management Experience
Delivery Group live presented online due to COVID-19
CPE/CAE Credits 1.5
Cost: Free
Learning Objectives (minimum of 3) Learning Objectives:

  • A C-level perspective regarding industry and technology trends
  • Learning lessons from 2020
  • What to expect in 2021 and beyond

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5 Keys to Association Website Success in 2020 (and beyond) – Download the Recorded Webinar

Webinar: group live presented online  ||  Attendance: 65 Associations  ||  Reviews   ♦♦♦♦♦  ||    Thanks Ray! You are a wealth of information!  || Ray, this was amazing! Thanks!  || That was excellent and very informative. Thank you Ray.  || Great presentation, Ray!  ||  I took this event over another and glad I did. I will use this – he is very practical

Click here for Recorded Webinar 

(Note: CAE or CPE credits can only be granted to attendees of the group-live webinar presented online )

Title: 5 Keys to Association Website Success in 2020 (and beyond)  ||
Date: October 30, 2020  ||
Time: 12:00-Noon – 1:30 PM Eastern Time  ||
Description: Association websites compete with for-profits, media, and even other associations for eyeballs, mindshare and even revenue. Does your association have a plan to compete in this crowded, modern online environment?

At the same time, new technologies and trends continue to reshape the way we use the web, transforming members’ expectations and what to attract and retain them.

Join us for 5 Keys to Association Website Success in 2020 (and Beyond) on INSERT DATE AND TIME with Ray van Hilst from Yoko Co., an interactive web agency that works with heroic organizations that are passionate about bringing positive change to the world.

Learn the five key web strategies that beat out your competition, engage members and prospects, grow revenue, and build a plan for 2020 and beyond.

Instructor Name Ray van Hilst, Yoko Co.
Instructor Bio: Ray is an inventive soul and his wit and charisma are present from the moment that you meet him. Ray seamlessly blends 20+ years of marketing experience with modern web principles to establish and advance the web presence of organizations that help build a better world. His diverse background includes working with a range of organizations from Fortune 500 brands, nonprofits, and associations. Some of his favorites include Disney, The Home Depot, and the National Wildlife Federation.

His unique combination of experience enables him to lead collaborative endeavors that get things done and achieves results. Ray is driven to make a tangible impact for those he works with, and this drive pushes him beyond the all too common “wouldn’t it be great if…” hypotheticals in pursuit of the “this is how we do that” reality.

When Ray isn’t in the office, or coffee shop, or client office, or wifi hotspot… he is frequently found speaking at events about web strategy and marketing technology. He is an active member of ASAE: The American Society of Association Executives and has served on ASAE’s Technology Section Council. When he’s not thinking about the web, Ray is a husband, father, outdoor enthusiast, frustrated musician, and struggling homebrewer.

Level Intermediate
CPE (NASBA Category) Information Technology
CAE (Field of Study) Administration
Prerequisites None
Delivery Group live presented online due to COVID-19
CPE/CAE Credits 1.5
Cost: Free
Learning Objectives (minimum of 3)
  • How to create a dynamic web experience based on your users and how they use the web
  • How to leverage your website content to drive engagement and conversion.
  • How to successfully manage your website and martech so you can maximize your investment

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W112: Unrelated Business Income – Latest Update Nonprofits & Associations

Title W112: Unrelated Business Income – Latest Update Nonprofits & Associations
Date November 19, 2020
Time 3:30 pm – 5:00 pm (EASTERN TIME)
Description COVID19 presents significant challenges for executives leading non-profit organizations. One of the greatest of these is the magnitude of the overall financial impact. As membership dues and conference registrations decline, NFP and Associations are expanding products and services to generate additional income.  These activities may be considered unrelated business income (UBI).  Executives must carefully monitor the level of UBI activity, as it may jeopardize their exempt status. Learn exactly what UBI means, the interpretations and IRS guidance.



Khang Tran

Khang joined CPA Department with more than 20 years of experience in delivering professional tax services. Khang leads CPA Department’s tax team and works with clients to help manage tax compliance, controversies, and strategic planning for income, property and other related tax matters.

Prior to joining CPA Department, Khang worked with Big Four public accounting firms, including KPMG and Andersen, before moving to Fortune 500 companies in Tax, Accounting, Advisory and Program Management roles. Khang has a broad knowledge of tax and deep expertise in the financial services and financial instrument area, specifically working with clients in the private equity, manufacturing, information technology, real estate, banking, securitization, and financial services industries. His depth and breadth of knowledge brings significant compliance and strategic planning opportunities to CPA Department clients, particularly related to federal, state and international income taxes.

Level Beginner
CPE (NASBA Category) Taxes
CAE (Field of Study) Administration
Prerequisites None
Delivery Live Webinar
CPE / CAE Credits 1.5
Cost: $0.00
Learning Objectives Publication 598 – what is UBI?
Court interpretations of UBISilos, rates, fringe benefits – Tax Cuts and Jobs Act impact on UBIT

IRS Guidance – Notice 2018-67

Assessment and Documentation

How much is too much?


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W111: Cash Management through Crisis for Nonprofits & Associations [1.5 CPE/CAE credit]

Title Cash Management through Crisis for Nonprofits & Associations
Date November 5, 2020
Time 3:30 pm – 5:00 pm (EASTERN TIME)
Description COVID19 presents no shortage of challenges for executives leading not for profit organizations.  The magnitude of impact to most not for profit organizations far surpasses initial considerations.  As membership dues and conference registrations decline, many NFP and Associations are facing governance and management considerations related to the COVID19 Crisis.  These include cash management, and tightly related budgeting, forecasting and financial planning techniques, as well as a need to keep board and finance committees well informed with frequent meetings and reports.



Daniel O’Dea

Dan O’Dea joined CPA Department as Director of Outsourced Accounting, where he leads the accounting team and is responsible for managing the firm’s outsourced accounting function. Working closely with the founder, he supervises and evaluates employees to keep activities focused on the company’s overarching mission and goals of providing superior customer service designed to meet the needs of growing organizations.

Dan has been recognized for his extensive experience in accounting and finance, he was peer-selected as CFO of the Year, by the Charleston CFO Council in 2017. He has worked in a variety of local and national firms as Chief Financial Officer and Controller, as well as having served in the US Navy, and various community non-profit activities. Most recently Dan led finance and logistics operations for international manufacturing in the consumer-packaged goods space.

A US Navy veteran, Dan served more than 36 years of active and reserve service as an enlisted member and later as a commissioned officer. He received numerous awards and deployed multiple times to war zones, leading troops in hostile environments.

As a Joint Logistics officer, he led logistics operations for U.S. Security Cooperation as well as significant humanitarian assistance and disaster relief experience.

When not working Dan enjoys spending time with his family, boating, fishing, and doing a wide variety of outdoor activities.

Level Beginner
CPE (NASBA Category) Finance
CAE (Field of Study) Administration – Financial Management
Prerequisites None
Delivery Live Webinar
CPE / CAE Credits 1.5
Cost: $19
Learning Objectives Preparation of Cash Budgets, Forecasts and Financial Planning

Review of ‘What-if’ Scenarios for Planning

Monitoring of Operating Reserves

Tightening of Cash Management, Cost Containment and Cash Flow

Creating a Culture of Overcommunicating to Boards and Finance Committees

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W101: How can you be sure that your Association is PCI Compliant and is maintaining a secure payment environment? [1.5 CPE/CAE credit]

Title: PCI Compliance Workshop 101 for Associations ||
Date: September 30, 2020 ||
Time: 11:00 am – 12:30 pm (EASTERN TIME)  ||
Description: Did you know that PCI Compliance starts with your finance team.  In this course you will learn best practices of Associations and non profit organizations in for implementing PCI Compliance.  The course starts with a basic overview of what PCI Compliance is and what it is designed to achieve.  Next we review 9 practical tips that you can implement immediately in your organization to ensure a more secure payment environment.  Finally we review the Self-Assessment-Questionnaire (SAQ), and what you should know about it.
Instructor Name and Bio: Julie Duncan and Wade Tetsuka, CPA

Julie Duncan leads UST’s Association Industry practice.  Her focus is helping Association clients implement an integrated, PCI-compliant, credit card processing solution within their AMS or ERP platform which allows the Association to have the lowest possible cost per transaction (Visa/MasterCard/AMEX)   Julie joined UST in 2018.   Prior to joining UST, Julie served for four years as a Literacy Specialist to learning disabled students in grade school.  For 10 years she also co-managed and co-founded a production service business with her husband in the burgeoning film industry in Georgia. This experience helped Julie to gain working knowledge of the broad spectrum of business operations including vendor management, HR, accounting, marketing, sales and customer service.  Julie is a graduate of Thomas Edison State University in Trenton, NJ where she earned a Bachelor’s Degree in English – Rhetoric and Communication.

Wade Tetsuka is a C.P.A. who brings 20 years of financial expertise and business management experience to U.S. Transactions Corporation. Wade also has an extensive network of contacts within the government contracting arena. He was previously with Ernst & Young in San Francisco and later PriceWaterhouseCoopers in Stuttgart, Germany where he was senior engagement manager responsible for the assurance work for IBM, Kodak, Sony Europe, and several other multinational companies. He also served as President/General Manager to three early-stage fast-growth companies in the life sciences industry.He graduated from the University of Pennsylvania, Wharton School of Business with a B.S. in Economics.


Level Beginner
CPE (NASBA Category) Specialized Knowledge
CAE (Field of Study) Administration
Prerequisites None
Delivery Live Webinar
CPE / CAE Credits 1.5
Cost: $19
Learning Objectives
  1. Gain an overview of the PCI Compliance Requirements
  2. Learn 9 practical tips to achieve a more secure payment environment
  3. Understand what are the annual SAQ requirements


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CFOs and COOs from 17 leading Associations discuss Enterprise Risk Management (ERM) and the role of the CFO as the Chief Risk Officer of the organization: Best Practices and Issues

January 28, 2020:  Enterprise Risk Management (ERM) and the role of the CFO as chief risk officer: Best Practices and Issues was the topic of discussion when CFOs and COOs from 17 leading Associations met on January 28, 2020 for the Presidential Forum Roundtable breakfast in Washington, DC.  The peer-to-peer discussion was moderated by Jeff Tomitz, CFO, National Electrical Manufacturers Association (NEMA).

For CFOs and COOs in attendance, it provided invaluable insights into what their peers are doing at other Associations on identifying key risks, assessing severity of risks, and defining actions for mitigation. How to start the conversation with your CEO about formalizing ERM in your organization. How to communicate ERM to your Board. Ideas for where to find useful frameworks for formalizing your ERM. And much more.

Enterprise Risk Management (ERM) was summarized in a few words by Tomitz with the following:  “Financial professionals may instinctively relate to risk management in the context of financial management and related controls. However, as boards have become more engaged on the topic of Enterprise Risk Management, their expectations are often that financial professionals will communicate their awareness of key risks facing the organization beyond traditional fiscal risk management, such as compliance, strategic, operational, and reputational risks. ERM offers financial professionals several new career-enhancing opportunities, including the ability to operate beyond traditional borders of financial responsibilities, to significantly contribute to the long-term viability of their organizations, and to offer their boards new governance insights through, for example, broader reporting of key organizational risks.”

In addition to the CFO/COOs in attendance, the sole sponsor Aronson LLC – Rob Eby, Partner, and Greg Plotts, Partner – provided additional subject matter expertise to the discussion based on their experience helping leading Associations in their ongoing Enterprise Risk Management journey.  See their Website for their White Paper on Top 10 Risks for Associations:  Aronson_Top10_RisksAssociations

See the Presidential Forum Calendar for upcoming Association executive roundtable events (invitation-only) at 2020_Calendar.   For additional information, please contact Wade Tetsuka,

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CIOs from 20 leading Associations discuss the state of Digital Transformation in the Association Industry

January 8, 2020:  The state of Digital Transformation at your Association: What have you accomplished, where do you go from here? was the topic of discussion when CIOs and CTOs from 20 leading Associations met on January 8, 2020 for the Presidential Forum Roundtable breakfast in Washington, DC.  The peer-to-peer discussion was moderated by Prabhash Shrestha, Group EVP & Chief Digital Strategy Officer, Independent Community Bankers of America (ICBA).

For CIOs in attendance, it provided invaluable insights into what their peers are doing at other Associations from “productizing” data, creating virtual conferences, “non-AMS” implementation, capturing a member/customer needs database, the Association in a “platform economy”, data driven decision making, measuring engagement of members and taking action, tools to energize your chapters, creating a better member experience, the role of the CIO in helping to change the culture of the organization.

The meaning of Digital Transformation was summarized in a few words by Shrestha with the following:  Associations can better help their members and the industry that they serve by astronomically enhancing their ability to translate internal, member, customer, partners, vendors data into business and customer insights. While technology is an important part, Digital transformation is more about business strategy, culture, and holistic digital customer experience as customers engage with associations’ innovative products, programs, resources, services and network.

In addition to the CIOs in attendance, the sole sponsor Adage Technologies provided additional subject matter expertise to the discussion based on their experience helping leading Associations such as the American Academy of Pediatrics, National Sporting Goods Association, and many others in their ongoing Digital Transformation journey.

See the Presidential Forum Calendar for upcoming Association executive roundtable events (invitation-only).  For additional information, please contact the Association CIO Roundtable co-founders: Prabhash Shrestha or Wade Tetsuka,



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Associations: FAQs about credit card fraud: Lesson #1 “Carding” attacks and prevention?

Edited by Julie Duncan

What is carding?

Carding is a form of credit card fraud where thieves use stolen credit cards to charge prepaid cards and sell them to other people. This information is often bought on the dark web. People perpetrating this type of fraud are called “carders”. Because credit cards are often canceled quickly after being lost, a major part of carding involves testing the stolen card information to see if it still works. Bots are often used to run a large volume of card numbers in the shortest amount of time to verify if the card is still active.

If you see a large volume of small transactions being tested on your merchant account, it is possible your account is being used to test stolen cards. You must react quickly and deliberately.

What should I do if I suspect carding on my account?

Credit card fraud can be a significant problem for merchants with widespread consequences. If you are a victim of fraud or suspect fraudulent transactions, take the following actions:

  1. Contact your merchant bank and notify them that fraudulent activity has taken place.
  2. Issue a VOID or CREDIT to the card or cards to avoid chargeback fees from your merchant bank.
  3. Verify security of your login and password information both internally and on your website.
  4. Contact your Internet Service Provider (ISP) or hosting company to see if they have a record of the IP addresses where the fraudulent transactions came from. Next, have your account restrict access from those IP addresses.
  5. Complete a full virus and malware scan of all systems involved including your website and computer stations.

How do I detect and prevent future carding activity?

As with other fraudulent activity, there is no one thing to detect and prevent all carding. We suggest implementing a layered approach, including the following features and activities:

  • Use a CAPTCHA-CAPTCHA (Completely Automated Public Turing test to tell Computers and Humans Apart) creates challenges to ensure that payment attempts are not sent by automated scripts or bots.
  • AVS responses-The Address Verification System (AVS) checks the billing address that buyers provide at checkout against the address that the credit card company has on file for them. The credit card company sends a response immediately to let you know if the billing address matches. The common responses are:

– Full address match
– Address match only
– Only the zip code provided matches
– No information matches. The credit card company will not stop a transaction if the AVS response is No unless the card has been reported lost or stolen.Unfortunately, this can also create an issue of declines for your valid merchants, so it will require you to use discretion regarding the level of strictness you apply to this setting.

  • CSC/CVV responses-The Card Security Code (CSC) or Card Verification Value (CVV) system checks the 3 or 4 digit number of the credit card and verifies it during the authorization processes. The common responses are:

– Y-matched
– N-does not match
– You should only accept transactions where the CSC/CVV matches.


Velocity checks on your shopping cart– Velocity is the number or speed of payments made within a certain period of time, for example, 10 payments sent from the same customer within seconds or minutes of each other. Monitoring this activity is important. Even with donation sites, it may be unusual for a user to make low dollar payments in rapid succession. Payment velocity can be monitored by dollar amount, user IP, billing address, BIN, or device. Discuss this option with merchant service provider.

Shopping cart session velocity-This refers to the number of times that one buyer can attempt to complete an order in one shopping cart session. By putting a limit on the attempts in one checkout session, you have visibility into the number of shopping cart declines which may assist in identifying a possible carding situation.

Authorization/capture-If you are using authorization/capture, review the transactions during the authorization period. If you believe that you are being targeted by carding activity, do not capture the funds. If you have already captured the funds, you have the option to issue a refund rather than wait for a chargeback.  In this instance, issuing the refund is better than waiting for a chargeback since the chargeback fees can be $15.00 per transaction or higher.

Credit card BIN checks-The Bank Identification Number (BIN) is the first six digits of every credit and debit card. Not only does it provide information regarding the type of card that is being used (Visa, MasterCard, American Express, or Discover), but it can also be used to find the name and location of the bank that issued that particular card. This information can be very important in detecting carding. Typically, you should see a wide dispersal of cards with the same BIN. For instance, you may receive two payments from cards with the same BIN in a month; with carding, especially if credit card information has been purchased online, you may receive ten payments from cards that have the same BIN, within a day or two. Tracking BINs may help identify this activity.

Talk with your merchant service provider, your AMS/LMS/Events Registration service provider, and/or your web developer.  See what solutions they recommend. A coordinated, proactive approach will ensure your Association will be in a better position to weather potential threats.

If you would like more information about how US Transactions Corporation helps Associations, please contact us directly at or


n.d. Credit Card Fraud Analysis. Accessed 12 9, 2019.

Reviewed by James Chen. 2019. Fraudulent Activity: Carding. April 9. Accessed 12 9, 2019.

n.d. What do I Need to Know About Carding Attacks, Prevention, and the Payflow carding prevention module?,-prevention,-and-the-payflow-carding-prevention-module-ts2243#what-is-carding.

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  • U.S. Transactions Corporation

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  • Key Points About Services

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