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MRC Online Courses

The EU AI Act and Emerging Regulations

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The EU AI Act and Emerging Regulations is designed to help payments and fraud-prevention professionals understand the EU AI Act and its implications for organizations using AI across fraud prevention, merchant onboarding, credit-related decisioning, customer service, and other payments and risk functions. Explore the Act's structure, risk-based approach, and phased implementation, including how an organization's role in the AI value chain can influence its regulatory obligations.

 

MRC Members: USD $XX (plus applicable taxes)
Non-members: USD $XXX (plus applicable taxes)   

Enroll | Members Enroll | Non-Members


Through practical concepts and industry-related scenarios, participants will examine how different AI use cases may be classified under the Act and identify factors that can increase regulatory requirements. The course also explores governance, oversight, documentation, monitoring, and third-party risk considerations, providing a practical framework to help organizations evaluate their AI use and prepare for evolving regulatory expectations.

By completing this course, you'll gain a foundational understanding of the EU AI Act and its relevance to payments and merchant risk organizations. You'll learn how to distinguish AI risk categories, identify the responsibilities associated with different organizational roles, and assess how common industry use cases may be affected. You'll also explore practical governance and compliance considerations, including documentation, human oversight, monitoring, and third-party risk management, to help you ask the right questions and evaluate AI-enabled systems within your organization.

FAQs

    • Payments architects and engineers responsible for designing and modernizing payment infrastructure
    • Product and technology leaders driving payments innovation, scalability, and system flexibility
    • Payments and platform teams managing orchestration, integrations, and multi-provider ecosystems
    • Risk, operations, and strategy professionals involved in payment system optimization and transformation 
    • Payments architects and engineers responsible for designing and modernizing payment infrastructure
    • Product and technology leaders driving payments innovation, scalability, and system flexibility
    • Payments and platform teams managing orchestration, integrations, and multi-provider ecosystems
    • Risk, operations, and strategy professionals involved in payment system optimization and transformation 
    • Understand the foundational principles of composable payments architecture, including modularity, interoperability, and workflows
    • Identify the benefits, trade-offs, and strategic value of adopting composable payment systems
    • Apply strategies for incremental modernization while minimizing disruption to existing payment infrastructure
    • Evaluate payments architecture using the Composability Test framework and calculate a Composability Index
    • Analyze composability across key dimensions: modularity, interoperability, orchestration flexibility, and observability
    • Break down payments architecture into core layers (experience, core payments, and integration) for targeted assessment
    • Develop actionable roadmaps to improve composability using API-first design, decoupling, and orchestration strategies
    • Understand the role of open source in payments, including principles, benefits, limitations, and ecosystem evaluation
    • Differentiate between open source, open systems, and open standards in payments infrastructure
    • Design modular, provider-agnostic payment flows using orchestration layers and standardized interfaces
    • Identify limitations of legacy architectures (vault-centric and PSP-centric) and approaches to overcome them
    • Apply stepwise modernization strategies such as parallel stacks, orchestration overlays, and modular capability rollout
    • Integrate alternative payment methods (APMs) using composable frameworks without disrupting existing flows
    • Decouple subscription management from payment execution to improve flexibility and scalability
    • Leverage AI to accelerate exploration, integration, testing, and scaling of payment infrastructure
    • Use AI-driven tools for connector development, workflow automation, and continuous payments optimization
    • Understand the foundational principles of composable payments architecture, including modularity, interoperability, and workflows
    • Identify the benefits, trade-offs, and strategic value of adopting composable payment systems
    • Apply strategies for incremental modernization while minimizing disruption to existing payment infrastructure
    • Evaluate payments architecture using the Composability Test framework and calculate a Composability Index
    • Analyze composability across key dimensions: modularity, interoperability, orchestration flexibility, and observability
    • Break down payments architecture into core layers (experience, core payments, and integration) for targeted assessment
    • Develop actionable roadmaps to improve composability using API-first design, decoupling, and orchestration strategies
    • Understand the role of open source in payments, including principles, benefits, limitations, and ecosystem evaluation
    • Differentiate between open source, open systems, and open standards in payments infrastructure
    • Design modular, provider-agnostic payment flows using orchestration layers and standardized interfaces
    • Identify limitations of legacy architectures (vault-centric and PSP-centric) and approaches to overcome them
    • Apply stepwise modernization strategies such as parallel stacks, orchestration overlays, and modular capability rollout
    • Integrate alternative payment methods (APMs) using composable frameworks without disrupting existing flows
    • Decouple subscription management from payment execution to improve flexibility and scalability
    • Leverage AI to accelerate exploration, integration, testing, and scaling of payment infrastructure
    • Use AI-driven tools for connector development, workflow automation, and continuous payments optimization
    • Program Level: Intermediate
    • Program Field of Study: Specialized Knowledge
    • Program Delivery Method: QAS Self Study
    • CPE Credits:1.6
    • Advanced Preparation and/or Pre-requisites: Payment Essentials: Fundamentals is recommended.

    • Program Level: Advanced
    • Program Field of Study: Payments, Technology, Architecture, Specialized Knowledge
    • Program Delivery Method: QAS Self-Study
    • CPE Credits: 3
    • Advanced Preparation and/or Pre-requisites: Foundational knowledge of payments systems, APIs, and payment processing architectures recommended
  • Refund Policy: Refunds and cancellations are determined on a case-by-case basis. Cancellations must be communicated in writing to programs@merchantriskcouncil.org. No refunds will be issued once a course has been started.

    Refund Policy: Refunds and cancellations are determined on a case-by-case basis. Cancellations must be communicated in writing to programs@merchantriskcouncil.org. No refunds will be issued once a course has been started.

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The Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: nasbaregistry.org