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… being joined by two members of the HVPS+ group, the policy manager of the RTGS policy implementation team at the Bank …

… Process and Communications at NACHA, and Charlie Clark, the Manager of the Rules Office at Payments Canada. Welcome, … of the advisory groups that we work with, like the cash manager group, the legal and policy group, and the financial …

… here. I'm Michiel Wielhouwer, I'm the president and Country Manager for Visa Canada. I joined Visa a long time ago, but …