Thoughts, stories and ideas

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A digital magazine that promises to deliver inspiring stories from all disciplines.

Navigating Card Fees in Retail: A Guide to Interchange Fees and Maximising Savings

30 November 2023, by Loopline Media

The Impact of AI on Anti-Money Laundering in Fintech

Harnessing the Power of Positive Thinking for Stress Reduction and Health...

A Dual Dilemma Payone's Regulatory Hurdles Intensify Worldline's Financial Struggles

Embracing Open Banking: A Golden Opportunity for Retailers in the Digital Age

Subsidiary of Worldline SA Embroiled in Complex Litigation

The legal proceedings have been likened to a David versus Goliath battle, with the former employee representing himself against Payone GmbH’s legal team from Orrick, Herrington and Sutcliffe (UK)

The Problem With Hush Money At Work

Orrick Herrington & Sutcliffe (UK) LLP | Worldline SA | Payone GmbH

Florian Risch, the employee who thought it was okay to laugh and tell anecdote about “black man having sexual intercourse with an animal” during workplace dinner.

HOW REMOTE ARE YOU WORKING?

We Work Just As Hard As Management, If Not Harder…So Why Are They The Only Ones That Get To Work Abroad…

In 2020, TK Maxx (TJX UK) Senior Vice President Cat Funk sought permission from a then-senior manager to go and work abroad. A disgruntled junior vice president Rachel Martin from…

 

STRIKING THE BALANCE IN CARD PAYMENTS

Will a closer Sales and Compliance team be critical to signing more merchants?

Account Managers, Key Account Managers, Hunters, Farmers, and Sales executives are the breadwinners of any organisation.  These so-called “hunters” or “goal scorers” are skilled at converting chances for their team against the backdrop of the “refereeing” or compliance rules.  Whether it is a relentless door knocker of small and medium-sized businesses or a strategic high-profile seller to global Key Accounts, the organisational rules on onboarding are essentially the same .  .  .

Should you keep a work grievance hush, hush?

 

TK Maxx Rachel Martin leaks junior employees’ live grievance and mental health status as well as a colleague’s tax affairs during covid period

A grievance procedure governs disputes or conflicts that may arise in the workplace, caused by the work itself, or between co-workers. It is essential that businesses implement a grievance policy that outlines a fair procedure and emphasises the importance of confidentiality. . .

21 September 2022, by Loopline media

Character assassination in the office! Why?

“Why cases of character assassination are a big threat to you and your company’s culture”

When a TK Maxx Marketing Assistant Vice President referred to a junior colleague’s partner as a “nasty piece of work” it certainly did not promote a healthy workplace environment. . .

12 September 2022, by Loopline media

Complete Series

PAYONE and the Pension concealment

Worldline SA subsidiary Payone are embroiled in a dispute over pension payments of a former UK employee.  The employee who does not wish to be named had pension payments deducted from his salary although Payone did not actually place those deductions into any pension pot between 2016 and 2021 when he was employed. . .

1 September 2022, by Loopline media

CARD payment firm's double data blunder

24 August 2022, by Loopline media
17 August 2022, by Loopline media

Complete Series

the blackface, the work christmas party and payone (worldline subsidiary)

21 August 2022, by Loopline media

Gossip in the Workplace, Mental Health and TJX UK

17 August 2022, by Loopline media
17 August 2022, by Loopline media

Post-Brexit: data protection
Card processor sends sensitive data to wrong address
24 August 2022

Worldline SA subsidiary Payone GmbH has been accused of breaching data protection rules after it sent sensitive employee payroll information to the wrong address by accident. The Worldline Group holdS a 60% stake in the Frankfurt based company who have a small UK market presence.

In June 2021, one of Payone GmbH’s ex UK employees (the data subject) received a “potential data breach notification” from the firm advising him that his salary, National Insurance data, nationality (Special Category Data) was amongst various bits of information sent to an incorrect home address.

This included personal information such as the former employees name, age and address.  It also included details such as the date of birth and the amount of annual work bonus he received in his bank account amongst other identifiable data.

Payone GmbH confirmed that this document was sent out in error following an employee making a mistake when re-entering data processed by their third-party payroll provider.  The error arose when the employee was fulfilling an Article 15 GDPR request. The error was spotted by the data subject when he noticed in an email version of the document that the postal address was incorrect. An attempt to notify Payone GmbH of the error went in vain as the document was already irretrievably despatched.

The data subject was alarmed with the incident which exposed him to the possibility of fraudulent activity, amidst reasonable fears his data could end up on the dark web and used by criminals.  Habitually resident in the UK he complained to the Information Commissioner’s Office (ICO) in June 2021. He similarly raised the concern in Germany via The Hessian Commissioner for Data Protection and Freedom of Information (HBDI).

The ICO reprimanded Payone GmbH for the error in their final decision letter.
Similarly, the HBDI cited a violation of Article 5(f) of the General Data Protection Regulation (GDPR) relating to integrity and confidentiality.

The ICO stated in their July 2021 findings that Payone GmbH, “should take steps to ensure that all personal data records are accurate and up to date. Holding inaccurate information, such as addresses, does increase the risk of personal data breaches and poses risks to the security of information”.

The HBDI confirmed in their October 2021 findings that Payone GmbH had taken remedial action. They concluded that a monetary fine would not be imposed on Payone GmbH as they had taken technical and organisational steps in response to the data breach. Data subjects could now request their data in an autonomous portal.

The GDPR, which came into effect in 2018, gave the Information Commissioner’s Office greater powers to tackle data breaches. The new ‘UK GDPR’ charts its own course after Brexit whilst seeking to maintain EU GDPR adequacy.  In extreme scenarios, organisations face penalties of up to £20m or 4 per cent of their global worldwide turnover, whichever is more.

In the years prior to GDPR, the ICO fines were capped at £500,000.

The data subject said: “I am just glad I spotted it; they were going to resend the document again to another wrong address. Prior to Brexit the process would have been commenced via the ICO who in turn would liaise with the HBDI on the data subjects’ behalf; but I found myself communicating with both authorities separately which was an additional step but in the end was surprisingly
effective. Unfortunately, Payone GmbH again sent my incorrect address to the
Workers Pension Trust in January 2022, and documents yet again went to the wrong address. In my opinion they have not learned from the first time and my complaint is sitting with the ICO yet again”.

The former employee is pursuing a remedy under Article 82 UK GDPR via
the Court’s of England & Wales.

Extraordinary Experiences

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