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The new law would increase criminal penalties, create a new regime of civil penalties and make deferred prosecution agreements available for sanctions violations. The proposed changes follow the recent creation of the Office of Financial Sanctions Implementation which is charged with enhancing enforcement and improving businesses’ understanding of sanctions. Implementation Day – Iran Sanctions Relief Now Effective. January 1. 9, 2. 01. Key takeaways. Sanctions relief under the Iran nuclear deal took effect on January 1. The EU has terminated the majority of the restrictions on trade and finance transactions with Iran. Despite these changes, important restrictions remain in effect, and firms seeking to do business with Iran should proceed with care. Iran nuclear crisis: What are the sanctions? As well as more recent sanctions aimed at Iran's financial, oil and petrochemical. As a result of the EU embargo and the US sanctions targeting other major importers. Pressuring Iran's Nuclear Program. China and the Iran Nuclear Deal. China’s role in drafting Security Council resolutions targeting Iran’s nuclear program. Changes are contingent on confirmation of Iran’s compliance with its nuclear commitments. Suspension is expected to take effect in early 2. Further Relaxes Cuba Sanctions. October 1. 4, 2. 01. Key takeaways. Last month, U. S. Many of the changes eliminate barriers to types of transactions that were first authorized earlier this year. OFAC Updates Russia and Ukraine Sanctions Lists, Issues Advisory on Evasion of Crimea Embargo August 5, 2. Key takeaways. On July 3. United States updated the Russia and Ukrainian sanctions lists. Several individuals and entities were newly added to the list of Specially Designated Nationals and Blocked Persons. Treasury Department’s Office of Foreign Assets Control also updated the Sectoral Sanctions Identifications List by adding several subsidiaries of the Russian bank Vnesheconombank (VEB) and the Russian oil company OJSC Rosneft Oil Company, which were already treated as subject to sectoral sanctions by operation of law, as well as issued an advisory to alert U. S. Iran Nuclear Sanctions Deal Reached. July 1. 7, 2. 01. Key takeaways. On 1. July 2. 01. 5, Iran, the EU and the P5+1 (the United States, United Kingdom, France, China, Russia and Germany) reached a historic deal for Iran to wind down its nuclear programme in exchange for sanctions relief. This agreement has been memorialized in the Joint Comprehensive Plan of Action (the “JCPOA”). The JCPOA does not provide any immediate sanctions relief to Iran; instead, US and European Union sanctions will be withdrawn in a phased manner, based on Iran achieving certain milestones. The first phase of sanctions relief will take place when the International Atomic Energy Agency (the “IAEA”) verifies that Iran has completed certain decommissioning steps relating to its nuclear weapon programme. Further sanctions relief will follow based on the effluxion of time or the IAEA providing further confirmations about Iran’s nuclear programme. Although it is likely to take a number of months before the first stage of EU and US sanctions relief is implemented, the JCPOA is a landmark step towards reopening the Iranian market for Western businesses. EU Extends Ukraine- Related Sanctions June 2. Key takeaways. The EU has extended the economic sanctions imposed on Russia in response to the ongoing situation in Crimea and Sevastopol. The so- called “sectoral sanctions” remain effective until 3. January 2. 01. 6, while the restrictions on dealing with Crimea will remain effective until 2. June 2. 01. 6. Leaders of the G7 have also promised further restrictive measures on Russia if necessary. Congress Establishes Framework for U. S. Approval of Iran Sanctions Deal. May 1. 5, 2. 01. 5Key takeaways. Both houses of the US Congress have passed the Nuclear Agreement Review Act of 2. Congress to review any deal with Iran limiting Iran’s nuclear programme in exchange for removal of sanctions. A framework agreement was reached on 2 April between the EU, P5+1 (the US, UK, France, China, Russia and Germany) and Iran, described as parameters for a final agreement. Under the agreement, most UN, EU and US sanctions affecting Iran’s oil industry will be suspended or lifted. A deal with Iran is not yet final or certain: amongst other things, consensus has not been reached on what sanctions are to be removed under any final agreement. If a deal is reached and sanctions are lifted, any “rush back to Iran” will be slow and paced. The delisting has both practical and symbolic significance for U. S.- Cuba relations but will not lift the U. S. The announcement signals apparent progress in the negotiations to normalize relations between the two countries. Authorizes Cyber Sanctions, Recommends Tech Companies Adopt Compliance Programs. April 6, 2. 01. 5Key takeaways. On April 1, 2. 01. President Obama issued a new Executive Order authorizing sanctions against persons that engage in certain significant and malicious cyber- enabled activities that threaten the United States. Concurrently, the Treasury Department’s Office of Foreign Assets Control has called on “firms that facilitate or engage in online commerce” and other technology companies to have in place “a tailored, risk- based compliance program, which may include sanctions list screening or other appropriate measures.” In light of this guidance, it may be prudent for technology and e- commerce companies to review their sanctions- related risks and enhance their compliance programs to address this new sanctions framework. Updates Cuba Sanctions and Export Regulations. January 2. 0, 2. 01. Key takeaways. On January 1. United States implemented measures to ease its ongoing embargo of Cuba. The changes expand the scope of permitted activities, including certain transactions related to travel and telecommunications. The changes also eliminate the requirement of government preapproval for certain activities that were previously licensable. The core trade embargo remains in place, and most transactions between persons subject to U. S. Financial companies, including insurers and brokers, tend to be the chief targets of prosecutors and regulators. Interest in insurance activities is set to increase – especially as so many insurance transactions may involve persons or countries subject to sanctions. Several types of sanctions directly affect the insurance industry: specific insurance bans, asset freezes, restrictions on fund transfers. In light of this, insurers and brokers should be looking seriously at their compliance systems and processes, and must ensure they thoroughly know their clients and their clients’ businesses. U. S. The European Union has also extended its existing trade restrictions on Crimea and Sevastopol but has not imposed a comprehensive ban on all trade with the region. Separately, the United States and European Union have provided clarifications and guidance regarding their respective sanctions targeting Russian companies, including the restrictions on providing finance to designated Russian companies and the sanctions on Russia’s energy industry. United States to Ease Cuba Sanctions. December 1. 7, 2. Key takeaways. The United States and Cuba are taking steps to normalize diplomatic relations. The United States has announced that it will ease certain aspects of its embargo of Cuba, including those involving financial services, exports, travel and remittances. The changes to the embargo will not take effect until the U. S. Treasury and Commerce Departments issue amendments to their regulations. Expands Sectoral Sanctions against Russia, Blocks New Defense Companies. September 1. 5, 2. Key takeaways. The United States, immediately following similar actions by the European Union, expanded the scope of the sectoral sanctions against Russia by designating more Russian companies as well as expanding the scope of restrictions imposed on US persons’ dealings with designated companies. Blocking sanctions targeting Russia’s defense industry have been expanded to include several additional defense technology companies. EU Expands Sector- Wide Sanctions on Russia, Imposes Sanctions on New Individuals and Entities. September 1. 5, 2. Key takeaways. The EU has expanded its package of sanctions targeting the banking, energy and defence sectors of the Russian economy. Additional capital market restrictions have been imposed on dealing with transferable securities and money- market instruments, including reducing the maximum maturity limit of such financial instruments from 9. The EU has expanded its list of sanctioned individuals and entities, including the listing of 1. Businesses Wary of Impact of Ukrainian Sanctions. September 2, 2. 01. Key takeaways. On 1. August 2. 01. 4, the Ukrainian Parliament adopted legislation creating a legal framework for the imposition of sanctions on countries, foreign individuals and foreign entities, including the authorisation of over 2. Although no sanctions have yet been passed on individual entities, we have received a number of queries from multinationals with business interests in Ukraine that could in due course be directly or indirectly affected by sanctions introduced under the legislation. Affected entities with Ukrainian- based investments may have some recourse through a number of bilateral or multilateral investment treaties entered into between Ukraine and those investors’ home states, in particular the Russia- Ukraine Bilateral Investment Treaty, which permits investors to elect to arbitrate claims of undue expropriation before international tribunals. Other rights of action under international conventions are also outlined. OFAC Revises and Clarifies “5. Rule”, Combines Ownership Interests of Different Blocked Persons. August 1. 8, 2. 01. Key takeaways. Last week, OFAC revised its guidance on the circumstances under which an entity that is not itself designated for sanctions is nonetheless subject to US sanctions because it is owned 5. OFAC now requires that, for purposes of calculating the 5. OFAC simultaneously released new FAQs that clarify certain related issues, including a statement that US persons cannot negotiate, contract or otherwise transact with a blocked person even if that blocked person is acting on behalf of a non- sanctioned company.
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US Navy Advanced Enlistments Ranks.What small businesses can learn from Shoppers' Optimum program. Take a peek inside the average Canadian's wallet and you'll likely see a different kind of plastic behind the Amex or Visa – an array of loyalty rewards cards. Optimum Program Guide. We've completely reinvented your program guide. Now, it's even more powerful and informative about everything Optimum has to offer. Explore the features of the RBC Shoppers Optimum Banking Account, which offers unlimited debits and a way to earn Shoppers Optimum Points even faster. The RBC Shoppers Optimum MasterCard lets you earn 15 Shoppers Optimum Points for every $1 in purchases at Shoppers Drug Mart and 5 points anywhere else. Join; Login; About Optimum Program; FAQ Optimum; View all Optimum Offers; Visit a Store. Shoppers Drug Mart (Pharmaprix in Quebec). Canadians are obsessed with loyalty and rewards programs, so much so they've become an essential part of doing business. Just how important are they to companies looking for creative ways to attract and retain customers? A whopping 8. 6 per cent of Canadians participate in at least one loyalty program, while the average Canadian household is active in more than nine programs, according to Cincinnati- based loyalty- marketing research firm Colloquy. Compare that to the United States, where 5. Americans carry at least one reward card and slightly more than six households participate in loyalty programs. Add the fact that loyalty participants are 7. Canadian companies have jumped on the rewards bandwagon as they seek to shape customers' spending habits. But owners of small- and medium- sized businesses who think loyalty programs are beyond their reach should think again. Tim Wilson, a specialist in business- to- business loyalty with the Air Miles Reward Program, says that small and medium enterprises, or SMEs, are just as capable of organizing a loyalty plan as a larger firm, and can glean just as many benefits. Number of Shoppers Drug Mart and Pharmaprix stores. The Shoppers Optimum program might be kept or merged with PC Plus or PC Points within the next 3 years after. Welcome to Shoppers Food and Pharmacy. Shoppers offers exclusive coupons, savings and recipes as well as all your pharmacy needs. Access your personalized offers and load them directly to your digital Shoppers Optimum Card. 1-800-SHOPPERs, by mail at Shoppers Drug Mart. PARTICIPATING STORES 1. The Shoppers Optimum Program By providing loyalty rewards, businesses have an opportunity to differentiate their offerings and compete outside of the price arena, he says. How? One successful plan – Shoppers Drug Mart Corp.'s Optimum points program – can provide lessons for SMEs looking to test the waters.“Shoppers has managed to change the retail game in that space by targeting individual consumers with offers they can't refuse,” says Niraj Dawar, a marketing professor at the University of Western Ontario's Richard Ivey School of Business. After accumulating 8,0. Customers have their card swiped after each purchase, are provided with a running point tally on their receipts and can redeem them against their purchases at the cash register. The nationwide chain also runs regular bonus point promotions to encourage customers to spend more on different products such as a slow- selling brand of toothpaste or a higher- margin cosmetic product. While Optimum is a standalone plan – it is operated in- house by Shoppers – others such as the popular Air Miles Reward Program are coalition plans, owned and operated by third- party firms. While coalition programs generally offer a cheaper and less time- consuming option for retailers looking to provide rewards to their customers, standalones such as Optimum offer greater control and, in many cases, analytical insight retailers can use to shape everything from store design to promotions. For the average small or medium business, developing and managing a loyalty program as successful as Shoppers' Optimum seems like an insurmountable task. Luckily, emulating the program's basic principles to attract and retain new customers is not. Keep it simple, targeted. The Optimum program works because Shoppers Drug Mart listened to its customers, who said they wanted a simple program with easily redeemable points that saved them money on everyday purchases such as shampoo and toothpaste, says Rob Wilson, a professor of marketing at Ryerson University's Ted Rogers School of Management. By expanding their product line in recent years to include food, electronics and high- end cosmetics, Shoppers has been able to grow its customer base and offer rewards on a wider range of goods.“Before any program is put into place, you need to do a tremendous amount of analysis and thought to what you're trying to accomplish,” Ryerson's Mr. Wilson says, adding that customer relationship- management software is a key tool in collecting and organizing that customer spending data. So, just how many clients does a company need before setting up a loyalty program? Dawar, SMEs don't necessarily need massive scale to run a successful loyalty program, but they do need a significant number of customers to be able to obtain data and draw conclusions from their spending habits to build out a targeted program that offers rewards those clients might actually want. A firm with five customers probably doesn't need a loyalty program to glean information or drive behaviour, but one with 1. Reward good behaviour. There's a good reason why most coffee chains have given up their buy- nine- coffees- get- the- 1. They rewarded existing customers with discounts, but did little to encourage people to spend more or lure in new java aficionados.“You want a program that's going to change behaviour on the margin,” says Mara Lederman, assistant professor of strategic management at the University of Toronto's Rotman School of Management. She points out that the Optimum program has successfully changed behaviour by offering an incentive for customers to buy products at Shoppers Drug Mart they would usually buy elsewhere, such as dairy products or cosmetics. And by offering bonus points on various items, the company has provided itself with an alternative means to discount and move lagging inventory out of stores, Ms. Lederman adds. Think outside the lines. Shoppers has cleverly taken a non- linear approach to its reward structure, she says, something she thinks SMEs would be wise to replicate in their own loyalty plans. With the Optimum program, the value of points is higher when cashed at greater amounts. This benefit encourages customers to continue shopping and saving points to maximize their eventual reward.“That's something every firm should do, otherwise people cash out points when they earn a minimum and might start shopping with someone else,” she says. |
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