Sanctuary, Adelaide Zoo - PEXA · 3 8:00am House Rules and Keynote Presentation 30 mins Lisa Dowie,...

Sanctuary, Adelaide Zoo

17th April 2018

Chief Customer Officer, PEXA

Lisa Dowie

8:00am House Rules and Keynote Presentation 30 minsLisa Dowie, PEXA

Sarah Jewell, Westpac Group

8:30am PEXA Welcome 20 mins Daniel Roesler, PEXA

8:50am Land Services SA & Office of the Registrar General (ORG) 40 minsBrenton Pike, LSSA

Jenny Cottnam, ORG

9:30am AICSA 20 mins Geoffrey Adam, AICSA

10:00am Revenue SA 30 mins Tom Colmer, Revenue SA

10:30am Morning Tea 20 mins

10:50am Banking and Practitioner Member Experience Panel 40 mins Hosted by Rebecca Hayes, AICSA

11:30am Updates from our industry partners 45 mins Stewart Title, ID Secure, Smokeball

12:15pm Panel Q&A Session 30 mins Hosted by Lisa Dowie, PEXA

12:45pm Close and Lunch

TODAYS AGENDA

Senior Operations Manager, Westpac

Sarah Jewell

Executive Manager – Practitioner Markets

PEXA Direct Leader

State Lead SA

Daniel Roesler

Live in VIC, NSW, WA, QLD & SA

140+ financial institutions are engaged

5,850 practitioner firms are active Australia-wide

981,000+ transactions completed nationally

$118 billion+ worth of property value settled

PEXA Snapshot at April 2018

5,800+ Practitioner Firms

activated

4,442 Practitioner Firms

utilising

131,835PEXA Transfer

Transactions

Completed

PEXA’s Journey - 2017 to 2018

1 April 2017

3,800+ Practitioner Firms

activated

2,251 Practitioner Firms

utilising

18,262PEXA Transfer

Transactions

Completed

1 April 2018

80 % lodgement cases in scope

7 Documents currently available to lodge in PEXA

9Additional functionality

enhancements SA specific in the pipeline this year

PEXA & South Australia

302 Practitioner Firms

activated

40% practitioners who have

done a PEXA settlement in the past 4 months

3,598PEXA Transfer

Transactions

Completed (10/4/18)

10 © Property Exchange Australia Limited (PEXA) 2017.

100% digital

• Accelerate the availability of remaining instruments and remove transaction exclusions

Network resilience

• Build resilience to reduce exposure of networkmembers to Land Registry service disruptions

Improve member experience

• Improve the PEXA member experience to support self-sufficiency

2018 Priorities

11 © Property Exchange Australia Limited (PEXA) 2017.

Roadmap to 100% Digital for SA in 2018

Enable Mandates

Enable 100%

digital

Regulatory

Improve Member

experience

Foreign Residents Capital Gains Withholding GST Withholding

With no Survivorship & trustee capacity for Transfers

Transmission Application (with DocHub)

Application to Note Death Change of Name with Justification Transfer of Interest Extension of RIS to capture ‘other interests’

Land Title Reference validation using Lot on Plan

Standalone Transfers (VIC)

Standalone Transfers (NSW)

Standalone Survivorship

All combinations of transfer

transactions in PEXA (VIC)

Mar Jul Oct Dec

Standalone Transfers (WA)

All combinations of transfer transactions

in PEXA (WA)

Standalone Caveats (WA)

Standalone Caveats (NSW)

Non-ADI Refinances

Mandates

All M/DM/Refi ADI/non-ADI

New endpoint for Revenue SA online system

Updated Caveat claim statement scope

Get PEXA Certified!

Everything you need to learn to use PEXA is in one place:

PEXA Certified. By completing this program, you’ll join

the e-Conveyancing experts. With your PEXA Specialist,

you will complete the following modules:

Getting Business Ready

System Set Up

Transacting in PEXA

Advanced e-Conveyancing Visit

community.pexa.com.au/pexacertified

• PEXA Direct Specialists/Virtual Specialists:

Daniel Roesler

SA State Manager, PEXA Direct Program

0447 761 729

Daniel.Roesler@pexa.com.au

• Community

Sign up at community.pexa.com.au

• PEXA Support Centre

1300 084 515

Support available in your area

Chief Executive, Land Services SA

Brenton Pike

STRICTLY CONFIDENTIAL

AICSA / PEXA Roadshow 2018

17 APRIL 2018

Brenton Pike, Land Services SA

STRICTLY CONFIDENTIAL LAND SERVICES SA

Land Services SA

Macquarie Infrastructure and

Real AssetsPSP Investments

Fiona Balfour

LSSA Board of Directors

Investor

Macquarie Infrastructure and

Real Assets

Investor

PSP InvestmentsInvestor

SunSuper

SunSuper Independent

Richard ChangAni Satchcroft Jason Soon

The Hon Dr

Annabelle Bennett

(Chair)

Mark Butcher

Land Services SA Board

• Privacy and the Protection of Person Information

Highest level of protection of personal information

Compliance with Privacy Obligations through all new initiatives

• Data Security

Ensuring the highest levels of data security through best practice controls

Data hosting arrangements within Australia with high cyber security measures

Regular reporting and visibility of information security initiatives

• Integrity of the Register Book and Valuation Roll

Ensure integrity of Register Book and Valuation against both internal and external threats

Regular Security Testing and reporting

The Land Services SA Board is comprised of directors with unique skill sets to address

matters relating to their core focus:

New and Enhanced Services

• Customer Experience

Committed to delivering quality Customer Experience

Capital investment to ensure improved Customer Experience

• New Product and Services

New product development, looking at areas of growth in new and existing industries

New Services for Industry clients and members of the public

• Product Enhancements

Enhancements to existing product suite to deliver additional value for clients

• Industry Engagement and partnership opportunities

Seeking Industry Engagement as we look at new product services

Seeking feedback in regards to new and enhanced services

Investigating new partnership opportunities

New product development, partnership opportunities and Industry engagement

Deputy Registrar-General, Office of the Registrar General

Jenny Cottnam

Electronic Conveyancing Projects, AICSA

Geoffrey Adam

GEOFFREY ADAM

Electronic & Conveyancing Projects

PEXA Roadshow – April 2018

4 July 2018

Project Manager, Revenue SA

Tom Colmer

Welcome

Tom Colmer

Manager, Projects and Client Systems

RevenueSA

Topics

• Current Process

• Electronic Opinions

• Replacement of Self-determination in RevenueSA Online

• Property Certificates

• RevNet Decommissioning

Commonwealth Reporting and RevNet

2015-16 State Budget18 June 2015

Existing System Environment

RevNet

Opinions

Self Determination

Property Certificates

RevenueSA Online

Commonwealth Reporting

SAILIS

Source of prefill data to the Portal

Portal Overview

Who starts a workspace?

1. Purchaser’s representative commences workspace

2. Vendor’s representative commences workspace

3. Purchaser & vendor’s representative commences workspace

RevNet – enter a Workspace ID

Future Systems Environment

RevenueSA Online:

Commonwealth Reporting

Opinions Processing

Self Determination

SAILIS

Source of prefill data to RevenueSA Online

Commonwealth Reporting Enhancements

• From a submitted workspace an approved user can now create either a new Opinion Document or Self Determination

• This will take the user into the relevant module (Opinions or Self-determination) with the Workspace ID prefilled

• Alternatively users can directly create their documents for lodgement and then provide the linked Workspace ID (if required)

Integrated Opinions Processing

• Extension of the Portal to lodge electronically for Commissioner Assessments (Opinions)

• Prefill of all relevant data from the Commonwealth Portal

• Upload all documentation directly into the transaction

• View document status, requisitions and assessments online

• Answer requisitions online, inline or through attachments

• No more paper Opinion forms or emailing documentation

• Scheduled for implementation late April

• This will be made available to all existing RevNet users

Commence a New Opinion Document

Data Details – Commonwealth Reporting Document Type

Details – Select Type and Calculate

Upload Documentation

Confirm and Submit

Once Submitted

Requisitions – View Outstanding List

Requisitions – View and Respond

Requisitions – Response Received

Awaiting Payment Documents

Assessment Summary

Stamp and Complete Opinion

Self-determination

• Designed to operate as similar to Opinions as possible

• Extension of the Portal to lodge electronically for self-determination

• Prefill data from the Commonwealth Portal

• Significant reduction in document types requiring guide note review and document selection

• Optional documentation upload

• Continue to be EPA, existing bank accounts will be selectable

• Also scheduled for implementation late April

• Replacement of RevNet Certificates

• Existing functionality will be retained

• Email notification for ESL and Land Tax Property Interest Report certificates will be implemented

• All existing certificates will be migrated to RevenueSAOnline, able to be paid and updated.

RevNet Decommissioning

• RevNet has been in use since 2001 and has allowed RevenueSA to be able to transact electronically with increasing client participation

• To be able to better service clients alternative options have been investigated

• New technologies have emerged, allowing the implementation of new features, particularly in the support of mobile devices

• Opportunity to combine the front User Interface with the internal processing system allows more information and real time updates

• This new solution provides coverage of the entire process, allows records to be kept electronically, providing efficiencies for clients and RevenueSA

• RevenueSA looks forward to being able to actively improve client services and provide timely information to existing and potential clients

Benefits

• Significant usability improvements• Supports mobile devices and Apple Mac.• Consolidation with Commonwealth Reporting Portal and data prefill• Certainty of transacting via eConveyancing for all PEXA supported

transactions• Upload documentation so all information is readily available• Track the progress of your document throughout the assessment

process• Real time updates (both for the client and RevenueSA) reduces time

in transit• No more wondering….have they received this?• Save on postage cost and time

RevNet phased out:

• RevNet will run in parallel with RevenueSA Online for a transitional period of up to two weeks

• Access to create new documents in RevNet will then be revoked, work in progress only can be completed

• Access to stamp duty will be removed• Read only historical data will be available in RevenueSA

Online following RevNet deactivation• Once Certificates are implemented access to RevNet will be

removed (late May)• RevNet messaging facility will be replaced and usernames

transitioned to email addresses• This will support multiple client access for users

Other Changes Coming…..

• Stamp Duty Certificates (PDF), are proposed to replace the requirement to physically stamp instruments

• Legislation has been drafted

• If implemented will increase electronic options for non-approved clients

How can you help (and benefit)

• Don’t leave your data entry until the morning of settlement

• Start using the new Online Opinions, the process is not difficult and you will operate more efficiently

• Ensure your users’ details are up-to-date

• Stay informed; via RevNet messages, emails, RevenueSAwebsite, attend system webinars

• Provide feedback and ideas, suggestions for improvements can be sent to revsupport@sa.gov.au

Need more information?

revenuesa.sa.gov.au

Information Circulars

Webinars

Revenue Rulings

08 8207 2333revsupport@sa.gov.au

Document Guides

Calculators

Online Tutorials

Want to keep up to date?

See you in 20 minutes

Morning Tea

Enrich | Endorse | Empower |

Educate

Industry Panel Discussion

Presented by: Rebecca Hayes, CEO AICSA

Educate

‘…the nature of our role is changing dramatically with the introduction of electronic conveyancing…our role will be less

concerned with preparation of documents and more concerned with giving advice to clients in relation to their rights and obligations, we will be expected to have a far

greater knowledge of legislation as it relates to property and business transactions, of taxation laws and their impact, of

corporations and partnership laws. We are progressively being given more and more responsibilities which relate to more and more legislative knowledge and understanding.’

South Australian Conveyancer, NOVEMBER 2004Rebecca Hayes

Educate

Panel Members

Josie Lazzaro, Metro ConveyancingMark Berry, Four Points Conveyancing

Rebecca Vasey, Wallmans LawyersSarah Jewell, WBC

Tracey Walding, Adelaide Bendigo

Industry Partner Updates

Legal Counsel, Stewart Title

Tori Hodgman

Presented by Tori Hodgman

Legal Counsel, Australia

Stewart Title Limited

Risk Management for Conveyancing:

Council Enforcement Powers &

Defects in Title

Council Enforcement Powers: Risk

Framework

▪ Clients purchasing property with improvements (house,

garage, carport, shed, swimming pool, granny flats etc)

▪ Generally, improvements form part of the title

▪ Generally, improvements form part of the subject matter of

the sale

▪ Improvements subject to Building & Planning Laws

▪ Improvements subject to Council Compliance &

Enforcement

Council Enforcement Powers:

Unapproved & Non-Compliant Building

What is unapproved/illegal building work?:

▪ Building work which has been carried out without

obtaining a building permit

▪ Building work which has been carried out contrary to

approved plans or contrary to conditions of any

building permit

Archicentre 2011 Illegal Building

Works Statistics

▪ NSW 29%

▪ VIC 33%

▪ QLD 22%

▪ WA 21%

▪ SA 32%

▪ TAS 34%

Common Types of Unapproved Building

▪ Removal of load bearing walls

▪ Addition of rooms in roof space

▪ Addition of balconies, decks, pergolas

▪ Conversion of structures into habitable rooms

▪ Non-compliance with permits – unapproved

alterations to approved structures

Recent Examples from around Australia

Non-Compliance with Development Consent

▪ Insured purchased a house for $1,650,000.

▪ House situated on waterfront.

▪ Following settlement, substantial storms affected locality

resulting in water penetration to windows/sliding doors

▪ Investigations revealed all windows/sliding doors installed

not the correct specification for locality

▪ Council required all windows/sliding doors to be replaced

to bring dwelling into compliance with development

consent

Claim Resolution

▪ Stewart Title arranged for removal and replacement of

approx 12 sliding doors and windows

▪ Total cost of window replacement $96,524.25

▪ Ensured no further breach and no further action from

Council

▪ Premium Paid $1058.75

▪ No Excess

Boundary Defects

Encroaching Structure onto Council Land

▪ Insured purchased their property in January 2015.

Following settlement a complaint was made in relation to

their “water feature”

▪ Survey of the property revealed water feature was built on

Council land by 4.4 meters

▪ Water feature had to be demolished and reinstated within

the insured’s property

▪ Total cost of the claim close to $200,000.00

Encroachment on Public Road

▪ Insured purchased a rural property in 2014

▪ Following settlement, the insured approached Council

for approval to build an extension

▪ Council required site plan & survey

▪ Survey disclosed significant siting issues relating to the

improvements – house, garage, sheds, driveway, water

tanks & retaining walls

Claim Resolution

▪ Stewart Title engaged an accredited specialist in property

law to provide advice and options

▪ Negotiated acquisition of that part of the Council land

(including unmade road) upon which the improvements

have been built.

▪ Liaised with Council throughout process of discontinuing

use of land as ‘public road’

▪ Stewart Title paid costs of land acquisition, legal costs,

boundary realignment (transfer of land).

Conclusion

▪ Council Enforcement Notices (statutory charge) and Boundary Defects are defects in title which fall outside of the safety of the Torrens System

▪ Risk management involves implementing controls to reduce or eliminate risk.

▪ Innovation – new ways to offer value to clients, adapt to changing market, competitive edge

▪ Nothing replaces the exercise of due care and skill

▪ Title Insurance adds an additional layer of protection

COME AND SEE US IF YOU

HAVE ANY QUESTIONS!

Director, ID Secure

Mark Paholski

Verification of identity

Mark Paholski

Director, IDSecure

globalx.com.au/software/globalx-idsecure

How did GlobalX IDSecure come about?

• IDSecure formed in 2013 – ahead of mandate of VOI being introduced in SA in April 2014

• Gradual build to become national VOI provider - to gain credibility and recognition in market

• Assistance provided by industry partners such as GlobalX very early in our journey

• IDSecure - formally recognised VOI Partner and VOI Identity Agent of PEXA

• Formally recognised by industry body Electronic Conveyancing Group (ECG)

• Recognised by ARNECC as Identity Agent

• Expansion nationally in line with the adoption of “paper based” VOI

• Long standing informal alliance and partnership with GlobalX from very early days

• Partnership formalised in Feb 2018; GlobalX acquired majority share of IDSecure = GX IDS

• Retention of all management and staff and equal Board representation.

Current Verification of Identity (VOI) rules in Australia

ECNL for electronic transactions. No current rules for traditional

transactions.

Compulsory for all land dealings since Aug

Compulsory for all land dealings since

Nov 2015

Compulsory for all land dealings from

Jan 2013

ECNL for electronic transactions. No current rules for

traditional transactions.

Compulsory for all land dealings

from Apr 2014

AGENDA

• Where does the risk sit in the Verification of Identity process

• Gold Standard Verification of Identity

• Why consider using a specialist VOI provider

• Data storage and the Information Life Cycle

• Practical issues and removing Verification of Identity tension points

• Tips and traps for protecting your firm

VOI Risk Heat Map

Use of Video Technology

NO FACE TO FACE

NO EXAMINATION

OF ORIGINAL

DOCUMENTS

Harbour

Presents MINIMUM

Document Standards

Cannot produce MINIMUM

document Standards

Face to Face (agent or personally)

facilitates examination

of original documentation

Why use a provider

• What is “Reasonable Steps”

• VOI Regime and categories of documentation

• Risk management tool

• Compliance and “Chain of Evidence”

• Process – maintain internal controls

• Data storage

• Professional Image & Client Perceptions

• Time saving

• Information Life Cycle

• Controlled Access

• Search ability

• Encryption and protection

• Data not transmitted by email

• No personal information kept with file or in

practice management software

• Reports available anywhere you have internet

connectivity

Data Storage

Your Risk Management Tool

• Reducing the possibility of Face-to-Face failure

• Manage all methods of Face-to-Face interview

• Privacy and storage issues – digitization

• 9 years storage in Australian accredited data

centre with redundancies

• Instant searching and retrieving of VOI reports

• Quality interview experience

• Audit trail if Land Titles Office come knocking

• Australia wide agent network

Removing the Tension for Practitioners

Use GlobalX IDSecure anywhere anytime

Options to Safe Harbour

Network

“Quick Entry” Capture images of the documentation you

decide, either take reasonable steps or stick to the categories.

90 seconds

“Agent” Prequalify your client and appoint an

agent based on their postcode

100% Success Rate

“In-house” Prequalification: Have your client

complete a comprehensive pre-qualification before interview

• Verify your clients yourself in-house or on the road

• Strict adherence to the categories or what you decide is

“reasonable steps”

• Optimised for mobile devices, phone or tablets

• IOS or Android

• Compliant report produced and available instantly

• 90 Seconds

• No more copying, filing or scanning documents

Quick Entry

Options to Safe Harbour

Network

”Quick Entry” Capture images of the documentation

you decide, either take reasonable steps or stick to the

categories.

90 seconds

“Agent” Prequalify your client and appoint an

agent based on their postcode

100% Success Rate

“In-house” Prequalification: Have your client

complete a comprehensive pre-qualification before

interview

• Prequalify before the Face-to-Face interview

• Identifies the practitioner’s client

• Captures ID document details and expiry dates

• Comparison of documents entered

• Workflow notifications

• Speeds up Face-to-Face interview for practitioner

and overall process – focus on billable hours and

your relationship with your client

Comprehensive prequalification

• Use any device with internet connectivity

• Approved staff can conduct “in-house” or “on the

road”

• Control who can do and who can see Verification

of Identity

• Entire process can be completed in front of your

client on a professional interface

• No more scanning, photocopying and filing ID

Documents

Interview conducted by Practitioner

• Metro and Regional

• “Go to your client” service based on post code your client wishes to be verified in

• Agent will make all meeting arrangements

• Agent will meet your client at a specific time and location, not a “time window”

• Available 7 days a week in and out of business hours

• Will witness documents including the Client Authorisation (“Gold Standard”)

• Professional backgrounds

• Insured

• Police Checked

• Fully trained

National Network of Identity Agents

Contact us

Lara Paholski

Executive General Manager, IDSecure

0417 883 486

lara.paholski@globalx.com.au

Thank You

General Manager, Smokeball

Paul Psaltis

WWW.SMOKEBALL.COM.AUWWW.SMOKEBALL.COM.AU

SMOKEBALL

Simple, Smart & Affordable Conveyancing Software

Helping law firms become paperless

WWW.SMOKEBALL.COM.AU

SOME DIGITAL TRENDS FOR 2018

1. Australia remains one of the leading global adopters of the smartphone and

88% of Australians now own one, with market growth being driven by older generations

2. 35% of Australians check their phone within five minutes of waking up in the morning

3. 70% of Australians use phones during mealtimes with family and friends

4. The number of global internet users in 2018 is 4.021 billion, up 7 percent year-on-year

5. Australians interact with their smartphones over 480 million times daily

WWW.SMOKEBALL.COM.AU 150

TECHNOLOGY: NOW ADAPTING TO OUR PERSONAL LIVES

TECHNOLOGY: NOW ADAPTING TO OUR PROFESSIONAL LIVES

Paperless conveyancing in 5 steps:

1. Online verification of identity

2. Online certificates

3. Online contracts

4. Digital signing

5. Electronic settlement (PEXA)

BRINGING IT ALL TOGETHER: PAPERLESS CONVEYANCING

• Single point where all information is entered electronically

• Access your matter information anywhere, at any time

• Create, compile and send documents without printing

• Paperless Settlement, via PEXA or Settlement Agent

• Less (or no) reliance on paper and ‘hard copy’ documents

HOW SMOKEBALL CAN HELP

• Access PEXA in one click

• Seamless integration with Microsoft Office, and InfoTrack

• Made for conveyancers and property lawyers

• Automated forms and precedents

• Daily tasks emailed to you every morning

• Cloud-based with live data syncing

• Phone and tablet app

• Support team all have industry experience, quick response time

• Settlement financials in one place

• Confidently and easily complete a 100% electronic conveyance

HOW MUCH DOES SMOKEBALL COST?

$1,000 + GST annually per business, unlimited licenses, and installed on multiple devices.

With an extra $1000 + GST annually for Smokeball Billing & Trust Accounting.

This includes:• Unlimited telephone support• Import and automation your own precedents

Offer for South Australian Conveyancers, Sign up this month and get:• Free on-boarding• Free unlimited training

If you have any further questions, please come and speak to us in the break, or get in touch:

Phone: 1300 33 55 53Email: support@smokeball.com.au

Smokeball is a proud supporter of AIC SA and PEXA

Sarah Jewell, Westpac

Daniel Roesler, PEXA

Brenton Pike, Land Services SA

Jenny Cottnam, Office of the Registrar General

Rebecca Hayes, AICSA

Tom Colmer, Revenue SA

Q&A Panel

Hosted by: Lisa Dowie, PEXA

Please join us for lunch

Thank you for attending

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