DLRT Secures Leading Financial Services Supplier Qualification
DLRT, part of The TALL Group of Companies, the UK leader in the provision of secure paper and electronic payment solutions, has successfully achieved the Hellios Stage 2 Financial Services Supplier Qualification (FSQS) . The Lisburn-based printing specialist achieved the certification which is required by major Banks and Financial Services Organisations when selecting suppliers.
FSQS is designed to improve the standard of suppliers through a common set of policy and risk areas including IT Security, Operational Risks, GDPR and Responsible Business Governance which are regularly reviewed and updated to stay ahead of regulatory changes.
As the regulated environment becomes more complex, the rigorous financial services supplier qualification system provides a standardised way to manage requests for compliance and assurance information.
FSQS is currently used by 18 major Banks, Building and Insurance companies including Lloyds Banking Group, Metro Bank, Santander, TSB, Clydesdale Bank and The Bank of England.
Peter Thomas, Managing Director of DLRT, said: “We are extremely proud to have successfully achieved this certification, which demonstrates our ability to consistently provide products and services that meet the compliance and regulatory requirements of our clients.”
Providing a total end to end solution to its clients, DLRT Ltd – a CPAS accredited printer – is an active member of the Cheque and Credit Clearing Company (C&CCC, formally APACS), offering consultancy services on counterfeit and fraud prevention, with design, secure print and personalisation of the standard ranges of cheque and credit book products supplied. In addition, DLRT Ltd produces secure documents for government applications.
Hot Off The Press
TALL Security Print has completed the printing of 2.5 million ballot papers for Thursday’s General Election (12 December 2019) on behalf of a number of local authorities. Printed on an Imer Business Forms Press over a period of two weeks, including a weekend and some 24-hour working days, TALL Security Print was responsible for managing the process in house from the Origination Department through to completion and delivery.
TALL Security Print were delighted when the BBC contacted them to film a piece for their Breakfast programme highlighting preparations around the country for the upcoming elections. In reporting on the printing of ballot papers ready for the vote, Peter Andrew, Sales & Marketing Director, at TALL was interviewed by BBC Breakfast’s Jon Kay, with prompt delivery and secure print requirements being key messages to the camera.
Over the past 14 years the company has been responsible for producing millions of election ballot papers both here in the UK and around the world working to critical deadlines and providing high levels of security. Ballot papers are one of the highest volume items of election materials produced for an election – and arguably the most important one. It is essential that the overall design and layout of the ballot paper is easy to use so that it can be clearly understood by all voters, and subsequently accurately processed by ballot counting staff as it is the form that translates voters’ party preference or candidate choice into their vote.
Martin Ruda, MD at the TALL Group of Companies said: “In all election systems, the strictest quality control measures with regard to ballot production are required to ensure that election materials are accurately printed. Ballot papers are legal documents, with strict controls on the production of ballot materials requiring paper security and integrity to protect the validity of voting processes. We understand the importance of these measures and are able to provide peace of mind for our clients.”
TALL Group Provides Sustainable Solution For BBC Children In Need
BBC Children in Need – The TALL Group of Companies, the UK leader in the provision of secure paper and electronic payment solutions, is working with the BBC Children in Need to support this year’s fundraising efforts by providing sustainable print solutions for supporting HSBC banking documents. Runcorn-based TALL Security Print, a TALL Group company, will be producing bank paying-in slips for Children in Need printed on paper supplied through their partner Premier Paper. Premier gives companies the opportunity to work very closely with the UK’s leading woodland conservation charity, the Woodland Trust, in order to mitigate their CO2 emissions from paper purchases through the Carbon Capture programme.
Carbon Capture sees an additional contribution for each tonne of paper bought passed directly on to the Woodland Trust to fund the planting of native British trees to capture carbon from the atmosphere, creating beautiful woodland and natural habitats for wildlife. The TALL Group have so far produced 156,400 paying in slips, 150,000 A4 & A3 fundraising letters for both England and N Ireland and 11,000 A4 and A3 fundraising letters in Wales for Children in Need.
Martin Ruda, Group Managing Director of TALL Group, said: “We are working with Premier Paper as part of our commitment to sustainable print solutions. As a group, we are very proud to provide our specialist services to BBC Children in Need, and committing to the Carbon Capture through the Woodland Trust adds even more value to that partnership. More than 500 of Premier Paper’s customers have already signed up to the scheme, and we’re confident that, at TALL, we’ll see more print opportunities in the near future where we can mitigate the CO2 emissions generated by the production, storage and distribution of the paper we purchase. Across the production sector we want to see every supplier take their environmental responsibility seriously and do their bit for the planet.”
The UK currently has just 13% of woodland cover compared to the European average of 37%. After the oceans, woodland is the biggest sink of CO2. So far over 65,000 tonnes of carbon have been captured through the Carbon Capture programme, equivalent to capturing the CO2 from 20 billion sheets of A4 paper. For more information about the initiative, click here. – https://www.woodlandtrust.org.uk/partnerships/our-partners/premier-paper/
The TALL Group Announces More Certificate Client Wins In Africa
TALL Security Print, part of the TALL Group of Companies, is celebrating another series of new contract wins in Africa, adding two Nigerian Universities to its fast-growing portfolio in the region. Under the terms of the new deals TALL Security Print will print graduation certificates for a number of Nigerian universities including the University of Ibadan and Ahmadu Bello University, taking their total to 17.
A base stock of certificates is produced and stored at its UK premises for overseas customers that can then be ordered directly. This results in a quick turnaround without a backlog. Each document is personalised with student details and a photograph if requested, giving both the university, the student and any employer the assurance that their certificates are genuine, verified and trustworthy. This year alone the company has already received orders for over 150,000 certificates.
Martin Ruda, Group Managing Director of the TALL Group of Companies, said, “Universities and students can have faith in our products and know that they will be accepted with confidence in the wider world by future employers. Secure printing is of great importance to Nigerian universities, which often fall victim to fraudulent printing. As a result, many universities are now approaching TALL Security Print because we have established an internationally renowned expertise in this market for over two decades.”
The new contracts come after the Group announced they had become suppliers for the University of Ilorin, the Federal University of Technology, Minna and the Lagos State Polytechnic. Prior to using the TALL Security Print secure certificate service, between 100-150 incidents of document fraud were found each year at the University of Ilorin and this figure has now been reduced to virtually zero.
Elsewhere in Africa, TALL Security Print has now printed certificates for various universities in Somaliland and schools’ certificates for the Somaliland National Examinations and Certification Board (100K). For KNEC (Kenya National Examinations Council), they produced around 2M certificates of various types as well as certificates for LUANAR (Lilongwe University of Agriculture & Natural Resources), Malawi.
For more information on certificates provided by TALL Security Print, please visit – https://tallgroup.co.uk/products-and-services/secure-print/certificates/
Checkprint Achieves New Investors in People Certification
Checkprint, part of the TALL Group of Companies, the UK leader in the provision of secure paper and payment solutions, has successfully achieved its Investors in People Certification 2019. Checkprint has been an Investor for the last 18 years.
The Investors in People Standard provides a practical framework for improving business performance and competitiveness through good practice in people management. Checkprint, who employs 45 people at its site in Hinckley, Leicestershire, was first awarded accreditation in 2001, joining thousands of like-minded companies in the UK. The latest certification will be valid for three years.
Martin Ruda, Managing Director of The TALL Group of Companies, said: “The Directors and Senior Management Team are committed to ensuring our staff have the right tools and the right environment to flourish at Checkprint. We are delighted not only to have been re-awarded this accreditation but against this year’s much higher Investors in People Certification standards.”
Assessor, Kerry Ireland for Investor in People Central England, said: “I would like to thank Checkprint Ltd for their ongoing commitment to Investors in People and for the warmth and honesty I have received from everyone involved. By demonstrating a high standard in its people management practices and, having met all the requirements of the revised standard, Checkprint fully deserves to be accredited as an Investors in People organisation once again!”
For more information on the Investors in People Certification standards, please visit their website using this link.
Financial Industry Must Work Together To Fight Fraud
More than 60 delegates from the UK’s leading banks and other financial organisations have been told that the whole sector can work more closely together in order to stay one step ahead of fraudsters. That was one of the key messages shared at The 5th Annual Conference for Cheque Imaging & Remote Deposit Capture, which was held yesterday (Thursday 3rd October) in London.
Operating under The Chatham House Rule, the event was hosted by The TALL Group of Companies, the UK leader in the provision of secure paper and electronic payment solutions, in conjunction with Digital Check Corporation, a worldwide leader in the manufacture of cheque scanners.
The seminar, held at Stationers’ Hall in the City of London, was the latest instalment of the annual event that is designed to help financial institutions, the banking community, building societies and major cheque users, understand the realities of image capture – following the full roll-out of the new Image Clearing System (ICS), which was initially launched in October 2017.
A senior figure from the industry told attendees that the migration of ICS across the UK was now 100% complete, and that the new system’s “philosophy is much more than pure infrastructure”. It was also indicated that the sector has seen a reduction in the number of unpaid cheques since ICS was implemented, whilst tracking image quality continues to steadily improve with capturing banks (those tasked with capturing a digital image of a cheque) having made adjustments to their own capture solutions.
The audience also heard from experts from both the US and France who were able to shed light on the opportunities available to UK-based businesses now the modernised clearing model is now in place. They provided valuable insight into their own respective marketplaces, where cheque image clearing has been in place for a number of years. One speaker, who had travelled to the event from Boston, Massachusetts, explained that whilst the roll out was now complete, “this is certainly not the end”. He said: “The UK is now starting a marathon. The introduction of ICS is the starting point and there are a number of exciting opportunities down the road.”
The speakers also discussed the latest figures with regards to international cheque truncation and Remote Deposit Capture (RDC), as well as providing the audience with an update on how they can clean up their capture processes in order to limit costs resulting from errors, as well as helping to guarantee an exceptional customer experience.
On this topic, Gordon Madgwick, Independent Cheque Expert, from The TALL Group of Companies, explained that Image Quality Assessment (IQA) is in place to avoid the input of poor quality images into the clearing system, which can lead to delays for the end customer, an increase in ‘no pay’ items, and potential reputational damage to Image Clearing System itself and the collecting bank.
He added: “It is important that we, as an industry, get IQA right, in order to minimise disruption, avoid aggravation and to ensure end users remain happy customers.”
Finally, delegates heard from Martin Ruda, Managing Director of the TALL Group of Companies, on how the industry was continuing to invest in the development of cheque fraud prevention tools and Image Survivable Features (ISF). He said: “Fraudsters have specifically targeted the weak spots of ICS, which has led to an increase in losses to fraud since 2017. However, at the same time, the total losses prevented have grown massively too, which illustrates that the industry is doing a decent job. As we move forward, the increased adoption of new cheque fraud prevention techniques will further enhance the payment method. The industry must strive to stay one step ahead of the fraudsters by reinforcing existing anti-fraud features, by investing in the innovative ISF tools currently being developed, and by working more closely together.
“This is the fifth year we have hosted this conference and it is clear the industry’s appetite to attend, network and learn about the latest developments surrounding ICS and image capture from across the world is now stronger than ever. I would like to thank all of our speakers, as well as every delegate, for contributing to a fascinating and insightful event.”
Digital Check, TALL Group to Host 5th Annual Cheque Imaging Conference
DIGITAL CHECK AND THE TALL GROUP OF COMPANIES TO HOST
5TH ANNUAL CHEQUE IMAGING CONFERENCE IN LONDON
Digital Check Corp. and the TALL Group of Companies, together will host their fifth annual conference on the state of cheque imaging and truncation. The one-day event will be held in Stationer’s Hall, City of London on 3rd October and will cover a variety of subjects, including document digitisation, fraud prevention, image quality, and the general state of the UK cheque clearing system since the truncation initiative was introduced in 2012. The event is open to financial institutions and large business processors of cheques throughout the country.
This year’s agenda features a special focus on truncation in remote deposit capture (RDC), mobile remote deposit capture (mRDC), and corporate capture, in addition to its slate of operations-related sessions.
“Cheque truncation in the UK has evolved to include many new use cases and opportunities for greater efficiency,” said Alex Trombetta, Digital Check’s vice president for international sales and the event’s co-host. “Digital Check and the TALL Group of Companies have been present from the outset, helping to educate the industry and give banks a running start with image capture technology.”
Originally introduced in a 2012 mandate by the government, cheque truncation went live in late 2017. Since then, it has virtually eliminated all exchange of paper cheques between banks, and has lowered cheque clearing times substantially. More than 200 million cheques are expected to pass through the new electronic clearing system per year.
Martin Ruda, Managing Director, The TALL Group of Companies, said, “ Since our first event in 2015, the cheque clearing system in the UK has transitioned from a mere idea into a fully realised payments system producing tangible benefits and cost savings per day.
As its capabilities continue to evolve, the TALL Group and Digital Check are ready to help guide our current and prospective clients and partners to take full advantage of them”, he added.
Please email email@example.com or call 01455 623701 to register a place. Alternatively, visit our Eventbrite registration page at https://www.eventbrite.co.uk/e/5th-annual-cheque-imaging-conference-tickets-60804166900
The TALL Group Strengthens Relationship with Handelsbanken
The TALL Group of Companies, the UK leader in the provision of secure paper and electronic payment solutions, has further extended its long-standing partnership with Handelsbanken after securing an initial three-year contract with the leading financial organisation for the provision of cheque books.
Under the terms of the agreement, the Group’s Lisburn-based subsidiary DLRT Ltd will print and personalise cheque and credit books for the bank’s customers, which incorporate a range of sophisticated security features designed to help prevent fraudulent activity, including a Unique Coded Number (UCN).
The UCN is applied to the cheque as part of the personalisation printing process. It works in combination with the MICR (magnetic code line) and is created as an arrangement of digits, characters and symbols that can be decrypted by certified personnel using a ‘secret key’. UCN is just one of a range of Image Survivable Features (ISF’s) designed and developed by The TALL Group as part of its cheque printing solutions, in order to provide effective fraud prevention following the first phase rollout of the new Image Clearing System (ICS) in October 2017.
The most recent contract builds on an existing relationship between Handelsbanken and The TALL Group’s Hinckley-based company Checkprint. The bank continues to deploy the Checkprint Banking Assistant solution to benefit from increased control and visibility over how it manages a significant number of incoming cheques. Moving forwards, Banking Assistant will now incorporate innovative cheque validation software to capture the UCN from incoming cheques before authenticating the items.
The new printing contract was secured following a rigorous review and testing process, with The TALL Group also putting in place a complete cross-site contingency plan for the fulfilment of all forecasted orders.
Martin Ruda, Group Managing Director of The TALL Group of Companies, said: “We are proud to strengthen our relationship with Handelsbanken who will now deploy a range of services and solutions from our dynamic and innovative portfolio. It is positive to see the bank commit to incremental fraud prevention features to further protect itself and its customers in light of the introduction of ICS.”
Launch Of New Scanned Cheque Image Quality Tool
The TALL Group of Companies, the UK leader in the provision of secure paper and electronic payment solutions, has developed an API that allows financial institutions to carry out image quality tests on captured cheque images before they are injected to the central clearing infrastructure. Allied Irish Bank (AIB) has become the first bank to utilise the cheque image quality tool, which has now been made available to support the wider banking industry following the introduction of the new Image Clearing System (ICS) in October 2017.
The Image Quality Assessment (IQA) application is available as a component of the CheckMate® fraud prevention software suite, originated and developed by The TALL Group and now successfully deployed by its UK franchise AIB Group (UK) plc.
AIB’s requirement to validate and verify the scanned cheque image quality they are capturing before they are submitted to the Switch is a key feature of their commitment to support the Image Clearing System. This helps the bank to meet the standard set out by the Cheque and Credit Clearing Company that states “service participants must apply suitable controls within their processes to ensure the quality of the images are sufficient to allow them to undertake their bankers’ duties”. The standard also determines that if the collecting bank chooses not to undertake IQA at capture, “they do so at their own risk that submitted images may be flagged as non-compliant”.
Under the standard, images are likely to fail the assessment if they contain one of the following faults: undersized or oversized, folded or torn document edges or corners, excess document skew, images that are too light or dark, horizontal streaks present, unacceptable compression size, excessive spot noise.
In his recent white paper, ‘Cheque Fraud Detection in the New Clearing Model’, Gordon Madgwick, ex Operations Director, Cheque & Credit Clearing Company, noted: “The paying bank has to be able to read the images, not only to undertake technical checks i.e. words and figures match, within date and correctly signed but also for their fraud detection image analysis to work. Should the paying bank be unable to read the image then the cheque will not be paid with the need for the beneficiary bank to liaise with the collecting bank (usually the same bank) to recapture the image from the original paper and to represent both the front and rear images together with new data. As the cheque has not been paid due to the poor image capture then there is an unwanted and unwelcome delay for the beneficiary to be credited with the funds. Accordingly, the standard of image collection is important and a pre-submission check should be deployed at the point of capture to reduce exceptions within the ICS and to avoid elongated payment decisions. Rework is time consuming and expensive and can easily be avoided.”
By using The TALL Group’s application, AIB are able to validate the quality of images within the CheckMate® tool in order to pre-empt any possible elongated payment decisions or reputational damage to ICS deriving from poor quality images. Michael Coffey, Application Owner for Branch IT Systems at AIB, said that AIB was able to integrate the TALL Group API with its own internally developed Teller Application.
“The ability to integrate with our internal systems greatly reduced the development life cycle and enabled us to meet the very demanding ICS deployment schedule. Our decision to use the API and validate the cheque images at the front end of the transaction is also a big advantage for our customers. Having made the decision to rollout the TALL Group Document Reader to all our branches in 2015 it was a natural progression to use the image capability. Working in collaboration with the TALL Group we both benefited from each other’s expertise”.
Martin Ruda, Group Managing Director of The TALL Group of Companies, said: “The API has been developed and designed to enable the industry to optimise its image capture functionality at source and avoid delays and difficulties with poor scanned cheque image quality being injected into the system. By using CheckMate®, AIB can ensure the quality of the image is qualified at an earlier stage of its journey, whilst identifying those images that fall short of the standard.
“Images that do not meet the standard can affect the integrity and reputation of ICS and the shorter clearing window. Therefore, we will continue to develop our industry-leading portfolio of services and solutions in order to help the financial sector reap the full benefits of the new cheque clearing model.”
The Commonwealth – Business Opportunities and Benefits
Cheshire-based businesses are being encouraged to attend a free event that will explore the growing opportunities and advantages of trading with the Commonwealth. Cheshire Commonwealth Association is hosting its inaugural conference at Chester Racecourse on Wednesday 19th June.
Delegates attending “The Commonwealth – Business Opportunities and Benefits” will hear from various speakers who have already enjoyed significant success exporting to those countries, including ICC Solutions, The TALL Group of Companies and Informed Solutions. Additionally, Export Champions will be on-hand during the breaks to discuss their experiences in markets such as Australasia, Africa, India and South East Asia.
Attendees will be welcomed to the event by David Briggs, Lord-Lieutenant of Cheshire and Patron of the Cheshire Commonwealth Association, and enjoy keynote presentations from Asif Ahmad, British High Commissioner to Jamaica and the Bahamas, and Economic Adviser, Arbuthnot Banking Group, Ruth Lea.
In addition, visitors will be able to network with exhibitors from HSBC, West Cheshire and North Wales Chamber of Commerce, Cheshire and Warrington Business Growth Hub, Skills and Growth Company, and many more.
Looking ahead to the event, David Briggs, Lord-Lieutenant of Cheshire and Patron of the Cheshire Commonwealth Association, said: “This conference provides organisations in Cheshire with a unique opportunity to hear first-hand from businesses actually trading with Commonwealth; how to do it and why it’s great for their business. We look forward to welcoming businesses of all sizes to Chester Racecourse.”
To secure your free space to this event, register here: https://www.eventbrite.co.uk/e/the-commonwealth-business-opportunities-and-benefits-registration-61027451751
25 Not Out For “Loyal And Fantastic” Ann-Marie
A loyal and devoted employee from St Helens has earned praise from the directors of TALL Security Print after celebrating a special anniversary. Hard working Ann-Marie O’Neil has racked up 25 years of experience at the Runcorn-based company.
Ann-Marie, who works as a Finishing Manager, joined TALL Security Print in May 1994 at a time when John Major was Prime Minister and Wet, Wet, Wet was at number one with Love is All Around. She was initally appointed to the position of Finishing Operative, before fulfilling other roles including Production Assistant.
Away from the office, located in Manor Park, Ann-Marie enjoys watching all types of sport, including Rugby League – St Helens of course. In her earlier years she played hockey for Lancashire and the North of England. To celebrate the milestone, Ann-Marie received a certificate and a £250 gift voucher,
Ed Starkey, Operations Director at TALL Security Print, said: “We are very lucky to have such a loyal and fantastic employee like Ann-Marie. She joins six other employees in the “quarter of a century club”, with a further three members of staff due to reach the landmark later this year. Ann-Marie has proven to be a fundamental part of our company’s ongoing success, and we hope she stays with us for a long time to come.”
5th Annual Cheque Imaging & Remote Deposit Capture Conference
The 5th Annual Cheque Imaging and Remote Deposit Capture Conference
Thursday 3rd October 2019
After more than three and a half years of very hard and challenging work which involved hundreds of thousands of man hours, the Cheque & Credit Clearing Company announced that the Cheque Image Clearing System had finally gone live on 30th October 2017. However, the system went live with very low volumes at first but gradually the banks and building societies are connecting in their different deposit channels and as time goes on, more and more customers will benefit from the faster clearing timescales.
As the new Image Clearing System gathers momentum, come and hear industry experts talk about their experiences of truncation and the implications of efficient scanning. The new clearing system relies on the transmission of a suitable quality image of the cheque. Join us to hear our panel of industry experts from Digital Check, the Cheque & Credit Clearing Co. (now a wholly owned subsidiary of Pay.UK), DIA Kappa and the TALL Group of Companies discuss the latest developments in cheque imaging, fraud prevention, Image Quality Assurance (IQA) and remote deposit capture.
- International cheque truncation and RDC
- A bank’s view on implementation of cheque imaging
- An industry update on the image clearing initiative in the UK
- Cheque imaging – the software solution perspective
- Cheque fraud detection and prevention as we approach the ICS
- The importance of cheque scanner maintenance for image quality
- Digital Check Corporation
- Cheque & Credit Clearing Company (Pay.UK)
- The TALL Group of Companies
- A Financial Institution (TBA)
- DIA Kappa
Following the presentations there will be a Q&A session to allow all participants an opportunity to submit questions to the speakers.
When: 3rd October 2019 @ 9.30am – 4.00pm
Where: The Worshipful Company of Stationers & Newspaper Makers
Ave Maria Lane