NACHA PAYMENTS 2014 Conference Brochure

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Keynote Speaker:

Kristian Hammond
Co-Founder & CTO, Narrative Science

Presented by:

PAYMENTS 2014 offers a comprehensive examination
of the most pressing topics in the payments ecosystem.
Experience the PAYMENTS advantage:
• More than 130 educational sessions meticulously designed with
executives and payments professionals in mind
• Demonstrated thought leadership with insightful plenary and
concurrent sessions and hands-on workshops
• Thousands of payment system experts from
financial institutions, established and emerging
solution providers and business end users
who are driving innovation forward
• A dynamic and interactive exhibit hall
that includes innovative kiosks and
an enhanced PAYMENTS 3D
Theater experience
• Incomparable networking opportunities
tailored especially for executives and
payments professionals at all levels

Follow. Join. Watch.
Follow us on Twitter: @NACHA_PAYMENTS
with hashtag: #PAYMENTS2014
Join us on LinkedIn: Search for NACHA,
subgroup PAYMENTS 2014
Watch us on YouTube:
Search for NACHA

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Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014

PAYMENTS 2014

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Who Should Attend
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CEOs
Presidents
Strategists
Retail Bank Executives
Solutions Providers
Payment Processors
Information and Security Officers

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Risk Management and Compliance Executives
Corporate Treasury Managers
Payments Operations Directors
Innovators and Technologists
Consultants
Legal Counsel

Change is Inevitable.
Learn from and network with thousands of key contacts
from the enterprises and entities that provide, purchase,
support and regulate the payments business.
• Inform and enrich your strategic outlook
and execution
• Gain insights and information from those
who are driving change and moving the
industry forward
• Find the innovative solutions you
need to compete in today’s
ever-evolving marketplace
• Engage current and prospective clients
• Understand the implications of legal
and regulatory churn

https://payments.nacha.org

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Conference Highlights
NETWORKING LUNCHES
PAYMENTS offers several opportunities for networking
including a special lunch in the exhibit hall and the
renowned Awards Luncheon where NACHA recognizes
industry innovators.
Sponsored by
Back by popular demand, this
exciting event brings together forward
thinking, out-of-the-box disrupters from all over the world.
PAYMENTS 3D offers a glimpse into the next wave of
payments industry innovations and challenges, and you’ll
get the chance to ask questions and talk directly to these
new consumer and business solution providers. Held in the
buzzing exhibit hall, PAYMENTS 3D offers fast paced,
interactive demonstrations of new technologies and
concepts – up close and in person.

2014 NACHA Payments System
Awards Luncheon

NACHA’s annual Payments System Awards recognize the
highest degree of achievement in the development,
implementation and advancement of electronic payments.
These prestigious awards celebrate outstanding
accomplishments and superior leadership. Join us for this
entertaining luncheon as we unveil this year's recipients.

EVENING RECEPTIONS
Monday Night Celebration

CALLING
ALL INNOVATORS
Get on board and show us
what you’ve got. Limited spots
are available in the PAYMENTS
3D Theater. The Theater sold out
early for last year’s event so sign
on today. Contact Joshua Maze
at 703-561-3960 or email
him at jmaze@nacha.org.

Sponsored by

Co-Sponsored by

Get ready for one of the most
anticipated events of the conference—
a fun-filled extravaganza that fills four
different clubs and takes over the
streets of Universal CityWalk® at
Universal Orlando® Resort. Take a
trip to New Orleans at Pat O’Brien’s® or explore the home
of the king of reggae at Bob Marley–A Tribute to
FreedomSM. Enjoy three themed rooms and a huge dance
floor at the grooveSM and take the stage at CityWalk’s
Rising Star (hosted by EastPay). It’s an entire evening of
fun, food and celebration. This event is open to all
conference attendees. Be there!
Pat O’Brien’s, Hurricane Glass logo, Have Fun! and Iron Grill Design ® Pat O’Brien’s Bar, Inc. © 2014 Pat
O’Brien’s Bar, Inc. All rights reserved. Universal elements and all related indicia TM & © 2014 Universal Studios.
All rights reserved.

Tuesday Evening Reception in the Exhibit Hall
You won’t want to miss this opportunity to make those
critical last minute connections. Enjoy refreshments
surrounded by cutting-edge technology providers, payment
service experts and organizations poised to offer the
solutions you’re looking for.

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PAYMENTS 2014

UNIQUE EDUCATION EVENTS
Industry Agenda

Sponsored by

New this year, the Spotlight Speaker Series focuses on the
challenges and opportunities that will shape the payments
space of tomorrow. See page 7 for details.

Gamifying Financial Services: The
Millennials, Gen X and Institutions
Day:
Time:

Spotlight Speaker Series

Monday, April 7
2:45 p.m. – 3:45 p.m.

Everything we know about the financial services
is about to be turned upside down by the
Millennial generation. They’re more concerned
with the environment, cost and social impact of
everything than ever before, but what they really want is fun and
engagement. While we’ve been mining behavioral and
econometric data and working hard to improve technology, now
we need to consider how to get the customer of the future off
their phones for long enough to care about finance and the
future. The solution: gamification – a powerful new approach to
driving loyalty and engagement that is changing the financial
employee, customer and strategic landscape with extraordinary
speed. Join author and designer Gabe Zichermann for this fastpaced session that will show you how, when and why
gamification will revolutionize the top and bottom line, and
everything in between.
Sponsored by

Solution Circles
Start your day off right and join industry
colleagues for breakfast, networking and thought-provoking
conversations at these open forum roundtable discussions.
Choose from multiple discussion topics and gain the insight and
knowledge of current industry trends. Full conference participants
only. Seating is limited. Get involved in the conversation.
Use hashtag: #PAYMENTS14SC for the Solution Circles.

Invitation-only Events:
AAP RECEPTION

Sponsored by

All Accredited ACH Professionals are
invited to this lively reception where they
can network with other AAPs and enjoy
hors d’oeuvres and cocktails. AAPs only.

CHAIRPERSON’S LEADERSHIP
RECEPTION

Sponsored by

The NACHA leadership gathers for
this invitation-only event to commemorate another year
of progress in the payments industry. Location to be
communicated via email invitation.

EXECUTIVE FORUM

Sponsored by

New this year, C-level executives
from financial institutions are
offered an exclusive education and networking
opportunity to examine critical topics and engage in
philosophical discussion. Seating is limited for this
invitation-only experience.

Solution Circles topics include:
• Monitoring ACH Risk: What Trends Matter Most
• Steps to ACH Origination: What are the Benefits for
Credit Unions?
• The Rules & Originators: How Do We Keep it Simple,
While Keeping Them Informed
• Data Breaches & Security: What New and Different in
Today’s Environment?
• Payments System Improvements: What are the Industry's
Next Steps?

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General Sessions
KEYNOTE PRESENTATION

INDUSTRY AGENDA

Banking on Artificial Intelligence

Gamifying Financial Services:
The Millennials,
Gen X & Institutions

Day:
Time:

Monday, April 7
8:15 a.m. – 9:15 a.m.

Big data tells a story that links customer behavior with business opportunities. However, it is
only as good as its speed to insight. In the payments industry, organizations will live and die by
their ability to translate big data into decisive,
actionable insights in the midst of an everincreasing competitive landscape, regulatory
uncertainty, evolving technology and constantly
shifting consumer behavior. Kris Hammond,
CTO of Narrative Science, challenges you to let
your data tell your story, think about the data
analysis model of today, and explore how you
can leverage artificial intelligence to create
business opportunities. Kris explains how the
next step in the evolution of data analysis –
Narrative Analytics – is already helping
companies better understand their story,
improving compliance processes, providing
better insight to merchants and customers and
generating revenue through new products.
Kristian Hammond
Co-Founder & CTO
Narrative Science

Day:
Time:

Monday, April 7
2:45 p.m. – 3:45 p.m.

Sponsored by
Everything we know about
the financial services is about
to be turned upside down by
the Millennial generation.
They’re more concerned
with the environment, cost
and social impact of everything
than ever before, but what
they really want is fun and
engagement. While we’ve been
mining behavioral and econometric
data and working hard to improve
technology, now we need to consider how to get
the customer of the future off their phones for
long enough to care about finance and the future.
The solution: gamification - a powerful new
approach to driving loyalty and engagement that
is changing the financial employee, customer and
strategic landscape with extraordinary speed. Join
author and designer Gabe Zichermann for this
fast-paced session that will show you how, when
and why gamification will revolutionize the top
and bottom line, and everything in between.

2014 NACHA PAYMENTS
SYSTEM AWARDS LUNCHEON
Making Lemonade: Creating
a Competitive Advantage
When the Chips Are Down
Day:
Time:

Tuesday, April 8
11:30 a.m. – 1:15 a.m.

Sponsored by
Sometimes the best
ideas come from left
field, when we least
expect them, and often under challenging
circumstances. These days, we are constantly
moving into uncharted waters. Even the best
plans can unravel in an instant. Our defining
moments happen when life goes off course.
In this presentation, Anat Baron explains how
making lemonade is about the choices you make
when life takes a turn in an unexpected direction. An innovative leader, Baron has worked
with top tier brands including Four Seasons
Hotels, Holiday Inn, KLM, CBS, Warner Bros.
and Conde Nast. She was also a Hollywood
executive, a management consultant and a
successful entrepreneur. She is currently the
Founder and CEO of StashWall, a technology
startup that provides one place for curating and
organizing people's information, memories, and
belongings. This disruptive company will be
launching to the public in early 2014.

Gabe Zichermann

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Anat Baron

Chair, GSummit

Founder & CEO, StashWall


PAYMENTS 2014

SPOTLIGHT SPEAKER SERIES
Are Bank Innovations Meeting
Salient Consumer Needs?

What’s Next for P2P:
Today’s Lessons for the Future

Payment System Priorities:
What the Fed Has Learned

Day:
Time:
Level:

Day:
Time:
Level:

Day:
Time:
Level:

Tuesday, April 8
8:00 a.m. – 9:00 a.m.
Advanced

In a candid conversation about retail banking
innovation, this distinguished panel examines
changes in consumer payments habits, the
evolution of electronic payments, and the
strategic implications for banks. The discussion is based on insights from GCI’s latest
research survey on consumer financial behavior and payment habits. Superior to public
information, data include (geographically and
seasonally adjusted) timely information on
U.S. consumer bill payment methods,
economic circumstances, use of credit cards,
and banking relationships. The true drivers
of changes in payment habits and latest
trends can be derived from this data.

Tuesday, April 8
3:15 p.m. – 4:15 p.m.
Advanced

Since forming the clearXchange joint venture,
Wells Fargo, Bank of America and J.P. Morgan
have gathered customer insights that have
transformed person-to-person (P2P) payments.
Branded by each bank, the P2P customer
experience has become more seamless, easy
and secure. With only an email or mobile
number, customers can send and receive money.
Participants gain insights into the clearXchange
approach and how it is moving beyond today’s
traditional payments mindset to meet higher
customer expectations. Learn how it is
positioning its P2P experience to solve customer
pain points on the competitive payments
playing field.

Moderator: David Stewart

David Godsman

Senior Expert, McKinsey &
Company

Online & Mobile Solutions
Executive, Bank of America

Wednesday, April 9
8:30 a.m. – 9:30 a.m.
Advanced
Sponsored by

Over the past year, the Federal
Reserve has engaged in a
vigorous industry outreach
and research effort to better understand U.S.
payments system stakeholder needs, desires and
priorities. Learn the outcomes of primary research
on the demand for faster payments by consumer
and corporate end-users and secondary research
on specific gaps and opportunities related to
payments safety and security. Find out what the
Fed has learned so far about what's missing in
today’s payments landscape and what’s needed to
achieve the payments system of the future. Hear
about the latest insights on alternatives for
improving the speed of payments and about
industry feedback on the Fed’s Payment System
Improvement – Public Consultation Paper.
Sean J. Rodriguez
Senior Vice President, Federal
Reserve Bank of Chicago

Michael Kennedy
CEO & Co-Founder,
ClearXChange

Cheryl L. Venable
SVP, Retail Payments Product
Manager, Federal Reserve Bank of
Atlanta

Jim Reuter
President, Support Services,
FirstBank


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Executive Forum Sponsored by

EXECUTIVE FORUM By Invitation Only
The Evolution of the U.S. Payments System
Day:
Time:
Level:

Monday, April 7
1:15 p.m. - 1:45 p.m.
Advanced

The next generation of our U.S. payments system will require new
thinking and cooperation that here to fore has not been demonstrated
across the myriad players that make up today’s payments ecosystem.
Initiatives introduced over the last couple of years have not achieved game
changing results due in large part to the silo approach that most players
employ. Benefiting just one group of the ecosystem or even creating
negative impacts to other players will not give us the kind of change that
can be sustained and is required to address the needs of our joint business
and consumer users. In order for solutions to be successful, they must meet
new criteria: developed through open collaboration with consideration of
the full ecosystem, must benefit both payers and payees and create no
additional burdens for payment system members.
Ather Williams
Global Head of Payments & Strategy, Global Treasury Services,
Bank of America

Rethinking Payments Innovation
Day:
Time:
Level:

Monday, April 7
1:50 p.m. – 2:20 p.m.
Advanced

Financial institutions are constantly concerned with the changing
payments landscape and determining how best to face competition.
The competition stems from both those within the traditional bank sector
and non-banks infiltrating the marketplace. Financial institution
executives are tasked with expanding their offerings to include new ways
to advance payments systems and working with their existing clientele and
stakeholders to innovate using limited capital, resources in the face of an
evolving regulatory environment. Ebru Pakcan, global payments head from
Citi shares her opinion on how her organization should prepare to shape
the payments industry.
Ebru Pakcan
Global Payments Head, Citi

Payment System Improvement:
Implications for Financial Institutions
Day:
Time:
Level:

Monday, April 7
4:30 p.m. – 5:30 p.m.
Advanced

The questions posed in the Federal Reserve’s Payment System Improvement – Public Consultation Paper pointed to key perceived gaps and
opportunities in the U.S. payment system, as well as desired outcomes to
close these gaps and capture these opportunities. Responses received from a
broad spectrum of stakeholders provide an array of perceptions that support
or challenge this vision, offer potential paths to realize the expressed destination, and highlight the practical realities of getting there. This session
engages participants in dialogue with a Federal Reserve executive on the
significance of this vision — and in light of responses received — to financial institutions and the products, services and platforms they support, the
infrastructures in which they have invested, and the business model,
macro-economic, and customer/societal considerations.
Marie Gooding
First Vice President & COO, Federal Reserve Bank of Atlanta

How KeyBank is Using Data to Enhance
Customer Relationships
Day: Tuesday, April 8
Time: 10:00 a.m. – 11:00 a.m.
Level: Advanced
Big data and analytics have become popular buzzwords in banking, and
discussions about these topics frequently focus more on rhetoric than
practice. However, at KeyBank, a push to become data-driven over the past
year has successfully materialized. Data now drives improvements in
decision-making as it relates to business development, marketing and risk.
Participants in this session gain: an understanding of the key elements that
made such a drastic transformation a reality; and about executive commitment, data centralization and changes in human resources that, beyond
reflecting new decision-making processes and relationships with business
leaders, increase their perceived importance in the organization. An
overview of key lessons that KeyBank learned could help participants
drive such change in their own organizations while assessing the quality of
analytics at various financial institutions. This is especially important as
analytics become crucial for efficient marketing spend and account
generation in a changing payments landscape.
David Bonalle
Executive Vice President, KeyBank

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PAYMENTS 2014

Tracks Hall Rates
Exhibit
Sponsored by

Card-Based Opportunities

Explores developments in card-based
solutions for payments. Sessions focus on
the business paradigm within the card industry from both
business process and payment operations viewpoints.

Corporate Payments Solutions

Sponsored by

Examines evolving risks surrounding
payment mechanisms, along with the
rules and laws governing compliance. Sessions focus on
current trends in fraud activity, fraud prevention and
related laws, rules and regulations.

Sponsored by

Features information for small and large
business professionals who learn about implementing,
operating and evaluating financial services solutions.
Sessions focus on payment and treasury interests of
corporate users, and range from analyzing sound business
practices, metrics, challenges and trends to practical
experiences and application.
Sponsored by

Mobile & Digital Payments

Risk, Compliance & Fraud Prevention

Addresses innovation across the mobile
landscape for the payments industry. Sessions
cover mobile payments approaches, emerging
technological innovations, market analysis and
revenue potential.

Payment Strategies

The ACH Network & the
NACHA Operating Rules

Sponsored by

Highlights core topics related to the ACH Network and
the NACHA Operating Rules and their users including
existing and emerging applications. Sessions focus on
innovation, operational issues, rules, compliance and
enforcement, risk management, fraud prevention,
security, authentication and authorization and sound
business practices.

World Payments Viewpoint
Addresses current global payments opportunities and
obstacles for corporate and financial institution
professionals. Sessions offer insights and perspectives
from the U.S. community and stakeholders from
around the globe.

Focuses on the actions and applications shaping today’s
payments systems. Sessions are interactive, and engage
participants in high-level, “blue sky” discussions regarding
future developments and advances in payments.


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Workshops, Sessions and Special Events
Sunday, April 6

Building a Corporate Fraud
Prevention Toolkit

ACH 101

Time:
Track:
Level:

Time:
Track:
Level:

1:00 p.m. – 3:00 p.m.
Pre-Conference Workshops
Fundamental

Understanding Payment Cards
Time:
Track:
Level:

1:00 p.m. – 3:00 p.m.
Intermediate

1:00 p.m. – 3:00 p.m.
Fundamental

This workshop provides corporate practitioners with
specific tools and practices to identify and prevent
fraud. Participants gain insight into liability exposure, requirements and responsibilities under UCC
4A and how to implement security measures
internally and externally.

Participants in this workshop gain a comprehensive
understanding of card-based payments. The
workshop provides insights from the issuing and
acceptance perspectives on types of cards,
applications, authorization requirements, and
evolving regulatory and technological factors that
impact business decisions.

This workshop provides novices with an introduction to the ACH Network and the NACHA
Operating Rules that they can build upon to
maximize their educational experience. Participants
gain a foundational knowledge of how the Network
operates, its key attributes and the roles and
responsibilities of those who utilize it.

Shirley A. Banks, AAP

Paul Tomasofsky

Electronic Banking Risk Analyst, Canandaigua National
Bank & Trust

President, Two Sparrows Consulting, LLC

Debbie Barr, AAP, CTP

Jay McLaughlin

ACH 201

Senior Director, ACH Network Rules Process,
NACHA - The Electronic Payments Association

SVP, Chief Security Officer, Q2ebanking

Time:
Track:
Level:

Gina D. Carter, AAP
AVP, Risk Management, EastPay, Inc.

International Payments Primer
Time:
Track:
Level:

1:00 p.m. – 3:00 p.m.
Intermediate

New to international payments? This workshop
immerses participants in the world of global
payments. Corporate and financial institution
practitioners learn key concepts, terms, principles
and regulatory requirements preparing them to
support the business needs of their organizations
and customers.

Alan S. Koenigsberg
Managing Director, Bank of America Merrill Lynch

Mobile & Digital Payments
Ecosystem
Time:
Track:
Level:

1:00 p.m. – 3:00 p.m.
Fundamental

Mobile and digital payments offer financial institutions, businesses and solution innovators tremendous
opportunity to engage, enable and transact with customers in new ways. As new technologies, risks and
players are infused into the mix, business models are
evolving and customer expectations and behavior
are changing. Related business decisions are becoming even more consequential. Participants in this
workshop delve into the burgeoning mobile and digital payments ecosystem and emerge with a solid
understanding of the players, approaches and opportunities upon which to learn more.

Jane Hennessy
Global Banking Consultant

Stephen Mott
Principal, BetterBuyDesign

The Legal Structure of Payments
Time:
Track:
Level:

1:00 p.m. – 3:00 p.m.
Fundamental

The legal framework of payments is comprised of
laws, regulations and private sector rules that work
in concert to define obligations and protect parties
to transactions. This workshop provides participants
with an overview of how this framework applies
across existing and emerging payment methods.

This workshop builds on content addressed in
ACH 101. Participants learn complex concepts and
examine nuances of the NACHA Operating Rules as
they apply to payment origination and receipt, risk
management, rules compliance and enforcement,
and exception processing.

Sean Carter, AAP
VP, Risk and Compliance, NEACH

Kimberly W. Rector, AAP
Senior Director, Education, MACHA - The MidAtlantic Payments Association

Impact of Proposed Prepaid Access
Rules
Time:
Track:
Level:

3:30 p.m. – 5:30 p.m.
Fundamental

Rules proposed by the (FInCEN seek to combat
money laundering related to prepaid cards. Participants in this workshop gain an understanding of
what FinCEN is proposing and the potential impact
on issuing merchants and cardholders.

Planning for Disaster Recovery
Time:
Track:
Level:

3:30 p.m. – 5:30 p.m.
Intermediate

1:00 p.m. – 3:00 p.m.
Intermediate

Moderator: Terry Maher

Richard M. Fraher

Are you confident in your financial institution's
business continuity plans? The FFIEC Guidance on
business continuity focuses on IT, but there is more
to disaster recovery and business continuity than
technology infrastructure. Participants take away a
checklist of items to better prepare for an unplanned
disaster or business interruption.

VP & Counsel to the RPO, Federal Reserve Bank of
Atlanta

Michael Spafford

Jeanette Hait Blanco

Disaster Recovery, Business Continuity, EPCOR

Senior Product, Regulatory Counsel, PayPal, Inc.

Gary Kindle

Azba Habib

VP, Operations, Elevations Credit Union

Associate Counsel, Federal Reserve Bank of Atlanta

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Partner, Baird Holm LLP

Liz Nutting
SVP, Strategic Partnerships & Network Relations,
BofI Federal Bank

Donald J. Mosher
Partner, Schulte Roth & Zabel LLP

Bookmark and visit
the PAYMENTS
website often to check
for updated session
information.


PAYMENTS 2014

ACH Security Procedures on Trial
Time:
Track:
Level:

Become Fluent in the Language
of IAT

Using real court cases and other case studies, this
workshop puts security procedures on trial. Participants learn to analyze agreements, determine how
they align with NACHA's ACH Security Framework and how courts of law have defined commercially reasonable.

Monday, April 7

Time:
Track:
Level:

3:30 p.m. – 5:30 p.m.
Intermediate

Continental
Breakfast

3:30 p.m. – 5:30 p.m.
Fundamental

Partner, Adams & Reese, LLP

Does your financial institution fully grasp the intricacies of supporting International ACH Transaction
(IAT) Entries? Deciphering the NACHA Operating
Rules and OFAC regulations is easier than you
think. Participants in this workshop take away an
in-depth understanding of the rules related to the
receipt and origination of these ACH transactions.

Fred Laing, II, AAP, CCM

Priscilla C. Holland, AAP, CCM

President, Upper Midwest ACH Association

Senior Director, ACH Network Rules, NACHA –
The Electronic Payments Association

Paul A. Carrubba

Mary M. Gilmeister, AAP, NCP
President, WACHA - The Premier Payments Resource

Harvesting Big Data for Positive
Impact

ACH Origination: Effective Due
Diligence & Onboarding
Time:
Track:
Level:

Time:
Track:
Level:

3:30 p.m. – 5:30 p.m.
Intermediate

ACH origination offers financial institutions lucrative opportunities to grow their business. Along with
those opportunities lie the challenges of knowing
your customer and your customer's customer.
Increased scrutiny and evolving threats demand constant reevaluation of onboarding of Originators and
third parties. In this workshop, participants explore
the due diligence process and obtain guidance to
make informed decisions.

3:30 p.m. – 5:30 p.m.
Intermediate

7:00 a.m. - 8:00 a.m.

Solution Circles
Time:

Sponsored by

7:00 a.m. - 8:00 a.m.

Opening General Session
Time:

8:15 a.m. - 9:15 a.m.

See page 6 for details.

Five Steps to Optimizing Payables
& Growing Financial Returns
Time:
Track:
Level:

9:30 a.m. – 10:30 a.m.
Intermediate

Many large organizations use big data to drive
revenue, provide more personalized interactions
with customers and mitigate fraud. This workshop
explains what big data consists of, how to conduct
experiments, starting points for usage and the
emerging role of data scientists to succeed.

The benefits of payables automation are clear, yet
only one in five organizations makes the majority of
its B2B payments electronically. Deploying the right
mix of payment methods, each with their own benefits, ensures maximum efficiency and financial gains.
Learn how to develop a strategy for the best payables
mix for your enterprise in five key steps.

Speakers to be announced

Wayne Zeiler
Director, Financial and Management Reporting, ITG

Miguel Rodriguez
Regional Director, Paymode-X, Bottomline Technologies,
Inc.

John M. Curtis, AAP, NCP
VP, Director of Education & Communications, Western
Payments Alliance

Deposit Account Takeover:
The Legal Landscape

Melissa C. Blair, AAP, CTP
VP, Treasury Management Consultant, Umpqua Bank

Time:
Track:

Product Innovation in a Changing
World
Time:
Track:
Level:

Time:

Sponsored by

Level:

3:30 p.m. – 5:30 p.m.
Fundamental

9:30 a.m. – 10:30 a.m.
Risk, Compliance & Fraud
Prevention
Advanced

How do you creatively rethink product innovation
to succeed amidst regulatory, technological and
cultural change? Participants in this workshop
experience hands-on training to drive product
innovation informed by customer perspectives
and preferences.

Over the past few years, there has been much litigation where businesses sue their financial institutions
to recover losses caused by a hacker's theft of the
client's online credentials, resulting in fraudulently
originated wire transfers and ACH credits. Judicial
opinions diverge. Participants in this session hear an
examination of the legal theories, significance of
judicial outcomes and measures to protect their
institutions from litigation.

Jeff Lauterer

Mark Hargrave

Manager, Product Operations, Digital Insight

Partner, Stinson Leonard Street LLP

Kimberly Prieto

Barkley Clark

Group Manager, Business Development, Digital Insight

Partner, Stinson Leonard Street LLP


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Sessions and Special Events
Keeping the Financial Institution
Central to Consumer Payments

Holistically Managing High-Risk
Origination

Risk Management for Mobile
Remote Deposit Capture

Time:
Track:
Level:

Time:
Track:

Time:
Track:
Level:

9:30 a.m. – 10:30 a.m.
Payments Strategies
Advanced

As emerging providers seek a share of retail payments space, many financial institutions struggle
with how to remain at the top of the consumer's
mind for payment services. There are a number of
opportunities on which institutions can capitalize as
they position and promote both existing and new FIcentric money movement solutions. Participants in
this session hear research results surrounding consumer perceptions of money movement services and
the financial institution, including the provision of
specific recommendations that can improve adoption, usage and perceived value of such services.

Chris Burfield
Product Marketing Director, ePayments, FIS

Best Practices in Establishing
Automated Origination & Tracking
Time:
Track:
Level:

9:30 a.m. – 10:30 a.m.
Intermediate

As corporates increasingly electronify payments
from check to ACH, the importance of accurate,
automated origination and tracking is vital to
achieving straight-through processing (STP). Participants in this session learn how STP can be achieved
through the integration of the proper level and type
of payment tracking information, minimizing manual reconcilement of exceptions. Best practices for
aligning payment reconcilement are shared, as well
as insight on how ERP systems can provide best
practices that formalize the payment lifecycle.

David Repking
Information Reporting Product Manager, J.P. Morgan

U.S. Smart Card Migration: Ready or
Not, Here It Comes!
Time:
Track:
Level:

9:30 a.m. – 10:30 a.m.
Advanced

U.S. debit, credit and prepaid cards are migrating
from magnetic stripe to EMV smart chip technology.
What is the impact on merchants, issuing banks
and their card-holding customers? Participants hear
from a diverse group of panelists on card issuance
and adoption rates along with implications for
stakeholders.

Level:

9:30 a.m. – 10:30 a.m.
Prevention
Intermediate

Financial institutions make business decisions to
originate ACH transactions for clients, and it is
incumbent on them to conduct appropriate due diligence and related risk management. With what
could be considered to be high-risk activity, it is
imperative that the institution implements a robust
and holistic risk management program throughout
the life cycle that has active involvement and commitment across the organization. Participants in this
session learn from the experience of a financial institution that has adopted a holistic approach. Hear
what constitutes high risk and the types and magnitude of transactions that give rise to such risks.
Understand who needs to be involved and why,
what process elements need to be considered, and
what are potential client showstopper questions.

Moderator: Marcie J. Haitema
SVP, ACH & eCommerce Operations, PNC Bank

9:30 a.m. – 10:30 a.m.
Mobile Banking & Payments
Advanced

Mobile remote deposit capture is rapidly becoming a
game changer for financial institutions. However,
like with any other payments innovation, it also
entails certain risks. Participants in this session learn
about the chief areas of concern, applicable rules and
regulations, and measures they can take to mitigate
risk and reap the benefits.

Moderator: Kevin Olsen, AAP, NCP, MCSE
AVP, Education & IT Manager, EastPay, Inc.

Paul Phillips
Attorney, Adams & Reese, LLP

David Brock
President & CEO, Community Credit Union

Automating Healthcare Payments:
Updates from an Evolving Industry
Time:
Track:

Norman Harkleroad

9:30 a.m. – 10:30 a.m.
Intermediate

Senior Vice President, PNC Bank

Level:

Linda Hogan

The healthcare industry has experienced a transformation as it transitions to electronic payments and
complies with the Affordable Care Act (ACA).
Against the backdrop of 1.3 billon claims, participants in this session learn about the industry’s reaction to the ACA mandates, lingering barriers to
adoption and alternative payment methods used by
the healthcare industry. A large healthcare provider
shares its experiences and how it is collaborating
with vendors and financial partners to ensure seamless electronic payments and remittances.

Vice President, PNC Bank

Serving the Financially Underserved:
The Value Proposition
Time:
Track:
Level:

9:30 a.m. – 10:30 a.m.
Payments Strategies
Intermediate

Addressing the needs of the financially underserved
holds great potential to benefit such consumers and
the companies serving them. Developing successful,
high-quality products depends upon deep consumer
knowledge and innovative business models. Participants in this session learn what consumer and industry research reveals about the financial behaviors
and preferences of these consumers, as well as the
size and state of the under banked marketplace. A
case study highlights opportunities, challenges and
lessons learned by one of the largest banks, and offer
an overview of a comprehensive suite of under
banked products.

Eva Wolkowitz

Erin Richter
CORE Senior Manager, CAQH

Mona Reamers
Director, Revenue Services, Ortho Northeast

Mobile ACH Payments: A PostDurbin Opportunity
Time:
Track:
Level:

9:30 a.m. – 10:30 a.m.
Payments Strategies
Advanced

AVP, Treasury, Costco Wholesale

As U.S. financial institutions seek to cultivate new
revenue streams in the post-Durbin world, mobile
payments offer an interesting value proposition.
Consumer adoption is growing and merchant
enablement is occurring. The ACH Network offers
financial institutions the opportunity to remain
central to these retail payments and cultivate new,
unrealized revenue. Participants in this session hear
how financial institutions in the U.S. can apply
lessons from abroad to make the ubiquitous and
cost-effective ACH system here an even greater
source of value to consumers, merchants and their
own bottom lines in a mobile world.

Randy Gibbons

Lonny Byers

Manager, Payment Strategies, Southwest Airlines

Managing Director, Consult Hyperion

Analyst, Insights and Analytics, Center for Financial
Services Innovation

Deborah Matthews Phillips, AAP
Director, Payments Strategies, Jack Henry & Associates

Moderator: Claudia S. Swendseid

Timothy Thorson, AAP, CTP

Senior Vice President, Federal Reserve Bank of
Minneapolis

VP, Manager ACH Operations, Regions Financial
Corporation

Margot Carter
SVP, Senior Product Manager, Bank of America Merrill
Lynch

Rue A. Jenkins

12

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PAYMENTS 2014

SEPA - The Buzz after Three
Months Live
Time:
Track:
Level:

Developing an Open Standard to
Protect Customer Account
Information

9:30 a.m. – 10:30 a.m.
Fundamental

Time:
Track:
Level:

Migration to the Single Euro Payments Area
(SEPA), which replaces national schemes with an
integrated and harmonized means of exchanging
Euro credit transfers and direct debits has been a top
priority in the European Union for the past decade.
Three months after the deadline for full implementation in February 2014, participants in this session
hear about the initial impact, what remains to be
accomplished and the significance of the schematic
to financial institutions and their customers.

The payments industry has been working on a new
dynamic credentialing solution to improve the safety
and soundness of the emerging digital payments
ecosystem. In this era of cyber attacks and data
breaches, financial institutions and merchants want
to ensure sensitive account information is protected
to increase consumer confidence and encourage
widespread adoption of digital payments. Participants in this session hear the vision, key objectives
and progress of the initiative, including the development of an open standard to enable payments innovators to bring secure solutions to market.

Michael Steinbach
CEO & Chairman, Board of Directors, Equines SE

Etienne Goosse
Secretary General, European Payments Council (EPC)

Refreshment Break and
Exhibit Hall Grand Opening
Time:

David Fortney

10:30 a.m. – 11:15 a.m.

Level:

11:15 a.m. – 12:15 p.m.
Intermediate

Is migration to electronic business-to-business (B2B)
payments on your radar? These payments are rapidly
growing in the ACH Network and many tools now
exist to assist with conversion. Participants in this
session hear how Cox Enterprises partnered with its
bank and trading partners on a recent conversion
and gain valuable insight from their experience that
other companies could adopt to eventually tell their
own success stories.

Alan R. Dupree, AAP
Retail Payments Director, Federal Reserve Bank of
Atlanta

John A. Fabrizio
SVP, Treasury Management Sales Consultant, Wells
Fargo

SVP, Product Development & Management, The
Clearing House

Anita S. Patterson, CTP

Monitoring for Abusive ACH Debit
Practices

Time:
Track:
Level:

10:35 a.m. – 11:05 a.m.

Adapting Lessons from Retail
Payment Security for Commercial
Clients
Time:
Track:

Time:
Track:
Level:

Meeting Small Business Customer
Needs with an Integrated Business
Banking Solution

Sponsored by

Education Session in
the Exhibit Hall
Time:

11:15 a.m. – 12:15 p.m.
Intermediate

A B2B Payments Success Story

11:15 a.m. – 12:15 p.m.
Prevention
Intermediate

Advancements in financial technology typically
migrate from retail banking to commercial banking
at a slow but steady pace. The continuing threat of
account takeover and the potential for substantial
associated losses have revealed that currently relied
upon solutions are ineffective and that improvement
is undoubtedly necessary. Participants in this session
hear strategies that financial institutions can implement to successfully transition different commercial
client segments to modern payment security solutions, while controlling costs and maintaining strong
customer satisfaction.

11:15 a.m. – 12:15 p.m.
Intermediate

Small business customers represent significant revenue generation and cross-sell opportunities to add
fuel to grow your financial institution. Targeting the
small business market with the right set of tools and
capabilities gives financial institutions the ability to
differentiate their message, pursue untapped markets
and grow revenue as small business owners frequently turn to their financial institution for financial management needs. Participants in this session
hear about the benefits of implementing integrated
banking solutions designed to meet the needs of the
small business market.

John Balose
Principal Market Manager, ACI Worldwide

Christine Barry
Research Director, Aite Group

Meggin Nilssen

Director, Treasury Services, Cox Enterprises, Inc.

Time:
Track:
Level:

11:15 a.m. – 12:15 p.m.
Prevention
Advanced

Historically, the focus on monitoring ACH transactions has been on the ODFI's debit Originators.
However, media and regulatory attention has redirected the spotlight to receiving banks and their
obligations to protect customers from unauthorized
or abusive payment practices. Participants in this
session learn how RDFIs can help protect consumer
and business account holders by monitoring received
debit transactions, identifying trends and taking
steps to minimize abusive practices. Recent and
ongoing proposals and initiatives to help RDFIs
ensure the continued, positive reputation of the
ACH Network are discussed.

Beth Anne Hastings
Vice President, J.P. Morgan

Alicia Treadway, AAP, CTP
First Vice President, Treasury & Payment Solutions,
SunTrust Bank

VP, Treasury Management Sales, Bank of Blue Valley

Alphonse Pascual
Senior Analyst, Security, Risk & Fraud, Javelin Strategy
& Research

Chuck Rogers
Vice President, Greenwich Associates


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13

Recent Developments in Electronic
Payments Law
Time:
Track:
Level:

11:15 a.m. – 12:15 p.m.
Intermediate

Staying abreast of the numerous and often complex
developments in the legal and regulatory framework
surrounding payments can be daunting and understanding the implications to an organization’s ACH
activities is crucial. Participants in this session are
provided with a review of significant legal issues
raised by current developments in electronic payments law, including recent amendments to the
NACHA Operating Rules.

Benefits of Bank Co-Opetition
Time:
Track:
Level:

11:15 a.m. – 12:15 p.m.
Payments Strategies
Intermediate

Collaboration is imperative in business, but its benefits do not stop at the individual level. Participants
in this session gain a pragmatic view, drawn from
real experience and hard facts, of how financial
institution collaboration and co-opetition can
deliver transformative value for the involved institutions and their clients. Hear how two financial institutions created a mutually beneficial business case by
working together in a way that is distinct from sourcing solutions from traditional vendors, and how they
continue to evolve the governance structure to
exceed customer expectations.

Customer Research: Small Business
Owner Views on Payment Options
Time:
Track:
Level:

11:15 a.m. - 12:15 p.m.
Payment Strategies
Intermediate

Professor of Law, University of Washington

Bobby Carney

Jane E. Larimer

Director, Citi

Understanding how small business clients view electronic payments is critical to successfully engaging
them and influencing their behavior. Get a glimpse
into the minds of small business owners regarding
their payment practices and how they view new
electronic alternatives in this session. Participants
gain insights from recently conducted in-depth focus
groups on which payment methods small business
owners use and when, emotional ties to paper
checks, the top reasons they would use an eCheck
option, and how they perceive the “anytime, anywhere” promise.

EVP, ACH Network Administration, General Counsel,

Joyce O'Connor

Christopher Clausen

Vice President, State Street Corporation, N.A.

Director, North American Payments & Transactional
Solutions, Deluxe Corporation

Mash Up at the POS: Transforming
the Retail Experience

Cross-Border P2P: Embracing
Change

Time:
Track:
Level:

Time:
Track:
Level:

Jane K. Winn

11:15 a.m. – 12:15 p.m.
Intermediate

Retailers, advertisers, card networks and terminal
manufacturers are investing heavily in changing the
commerce experience, leveraging mobile technology, POS innovations, and “big data" based marketing and loyalty solutions. In this environment,
financial institutions, processors and other traditional players need a deep understanding of the
changing environment and coherent strategies to
compete. Participants in this session gain a deeper
understanding of the changing retail environment
and insights to apply to their respective strategies.

Margaret Weichert
Principal, Financial Services, Ernst & Young

Supply Chain Fraud Necessitates
Authentication for Everyone
Time:
Track:
Level:

11:15 a.m. – 12:15 p.m.
Prevention
Advanced

A new fraud scheme targets business associates of
financial institution customers. A fraudster compromises the email account of a vendor and sends a
legitimate-looking invoice to a company. The company initiates a payment through a channel that
authenticates the payer, yet the outgoing payment is
nonetheless the result of fraud. These transactions are
difficult to identify as fraudulent until it's too late.
Participants in this session learn about the expanding
need for authentication, usefulness of relatively lowtech factors to authenticate payment requests and use
cases for implementing these factors.

11:15 a.m. – 12:15 p.m.
Advanced

Many treasurers find cross-border payments confusing, inefficient and expensive, particularly with new
regulatory compliance and associated costs. However, these payments carry great opportunity, and the
key lies in innovation and cooperation among
banks, mature networks and private markets. Learn
how global networks can be leveraged in light of
enhanced regulatory focus on consumer protection
and the critical importance of form factor for customer experience. Hear a unique perspective on how
cross-border payments are being enabled downstream through correspondent banking relationships
and corporate credit unions. Attendees are encouraged to share their experiences with cross-border
payments.

Jorge Jimenez
Director, Retail Payments Office, Federal Reserve Bank
of Atlanta

Jon Budd
SVP, Business Development, LendingTools.com

Sean Carter, AAP
VP, Risk & Compliance, NEACH

Networking Lunch in the Exhibit Hall
Time:

12:15 p.m. – 1:30 p.m.

Education Session in the Exhibit Hall:
The Payments Map: A Profit Pools
Model for the Payments Industry
Time:
Level:

12:45 p.m. – 1:15 p.m.
Intermediate

Join experts from GCI, McKinsey’s payments intelligence group, as they lead a discussion around the latest trends in retail payments. This interactive session
will draw on GCI's proprietary market research,
including the most recent Consumer Financial Life
Survey and the Payments Map model. Taken
together, they provide an unmatched comprehensive
view of the payments industry, with details on specific consumer payment habits and data on volumes,
flows, revenues, and costs across payment types. Participants will walk away with an understanding of
how to use the Payments Map to evaluate strategic
payments initiatives, benchmark industry volumes
and profitability, understand market potential, and
hold candid conversations about retail payments
innovation based on the latest industry trends.

Aaron Caraher
Expert, McKinsey & Company

Evan Long
Senior Analyst, McKinsey & Company

Devon Marsh
SVP, Treasury Management & Internet Services Risk
and Compliance, Wells Fargo
14

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PAYMENTS 2014

Walking the Fine Line of Innovation
in Payments

Advancements in Mobile Payment
Technologies & Authentication

Keeping the Bank Account at the
Center of Payments

Time:
Track:
Level:

Time:
Track:
Level:

Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Payments Strategies
Intermediate

The payments ecosystem continues to undergo
dramatic change. Participants in this session hear
how a solution provider and regional bank view the
environment as they explore payment innovations
that have been adopted as well as those on the
horizon. Speakers juxtapose the technological
possibilities of payment innovation against the
operational realities.

Uma Wilson, AAP, CTP
SVP, Director of Product Management & Development,
UMB Bank, N.A.

John Wilson
Vice President, Retail & Commercial Payment Solutions,
FIS

State Licensing Issues for ACHBased Payment Products
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Intermediate

A myriad of technologies have emerged to support
mobile payments including competing technologies
such as NFC, QR codes and sound wave. Widespread adoption is highly dependent on ease of use
by all stakeholders. Further complicating the choice
is the imperative to support dynamic authentication
as data security and fraud protection grow to paramount importance for online transactions. Multifactor authentication is endorsed by the FFIEC
guidelines as best practices for risk mitigation. Yet,
usability remains a key factor in determining which
method of authentication to implement. Participants in this session learn about the latest developments in technologies supporting mobile payments
and efforts to promote secure transactions using
dynamic authentication.

Peter Tapling

1:30 p.m. – 2:30 p.m.
Intermediate

Payment methods are evolving and prove challenging to financial institutions. As consumer behavior
changes, new players enter the payments market,
and new technologies arise, the payments industry as
a whole is undergoing a dramatic shift. This shift
threatens the financial institutions account’s hold at
the center of payments. If financial institutions are
not flexible enough to provide the innovative services that future generations require, bank accounts
could lose their relevancy to consumers and businesses. Financial institutions need to understand the
impact that payments convergence, alternative
accounts, mobile payments, automated account
switching, and real-time payments have on consumer and corporate expectations, and they will
need to leverage these trends to keep the bank
account central.

President & CEO, Authentify, Inc.
SVP, Sales, Mobile Authentication Corporation

Partner, Sidley Austin LLP

Casey H. Wilcox

President & CEO, Avenue B Consulting, Inc.

David E. Teitelbaum

Senior Director, Advanced Payments Solutions,

Maria Arminio

Much of payments innovation is driven by collaborative relationships between technology providers
and financial institutions. The mere involvement of
a financial institution in a product is not sufficient to
insulate technology providers from the impact of
payments regulation, including state licensing. Care
must be taken in structuring products and relationships so that all parties understand where regulatory
lines are drawn. Participants in this session are provided with a review of various models for payments
ventures and the implications these models have for
regulatory oversight.

Moderator: Samantha Carrier

Wade Edwards

1:30 p.m. – 2:30 p.m.
Prevention
Intermediate

SVP, Head of Payables & International Product
Management, Capital One

Lessons in Disaster Recovery: A
Corporate & Financial Institution
Partnership

Dr. Leo J. Lipis

Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Prevention
Intermediate

Disaster recovery and business resiliency planning
are critical to a company’s risk management strategy
and require close cooperation and planning between
a business and its financial institution in the area of
payments. In 2012 alone, there were several natural
disasters that affected numerous businesses and citizens in the U.S. and across the globe. Participants in
this session hear how one organization planned and
executed against its disaster recovery plan, learning
how the pieces of the plan came together and how it
was designed to ensure resiliency across internal and
external clients and employees. Participants gain an
understanding of how planning played out in the
successful deployment of two organization's business
continuity plans.

Managing Director, Lipis & Lipis GmbH

Mary Ann Francis
Executive Advisor, Wipro, LTD

Strategic Perspectives on Serving
the Unbanked & Underbanked
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Payments Strategies
Advanced

There are many theories as to why individuals use
financial institutions versus pawnshops and payday
lenders. The Office of Community Development of
the Federal Reserve Bank of St. Louis, in conjunction with the Social System Design Lab at Washington University in St. Louis undertook a study to
understand what decisions made St. Louis households use or not use financial institutions. Participants in this session hear what the study reveals of
how financial institutions, community members and
alternative financial services providers interact in
ways that seem rational when considered separately,
yet together create unintended consequences.

Adi Raviv
EVP & CFO, Strategic Funding Source, Inc.

Moderator: Ann-Marie Bartels, AAP

Colleen J. Taylor

Chief Executive Officer, EPCOR

EVP, Head of Treasury Management & Enterprise
Payments, Capital One

Paul Woodruff
VP, Community Development, St. Louis Community
Credit Union

Yvonne S. Sparks
Community Development Officer, Federal Reserve Bank
of St. Louis

Suzanne Hough
Community Development Officer, Carrollton Bank,
Illinois


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Beyond EMV: Security Through
Analytics

2014: The Year to Clean Up
Consumer Bill Payment

Time:
Track:
Level:

Time:
Track:

1:30 p.m. – 2:30 p.m.
Intermediate

By leveraging multiple sources of data including
deposit activity, card activity and ATM transactions,
high profile card issuers can efficiently and accurately pinpoint compromised accounts. Participants
in this session learn how new analytics go beyond
EMV to reveal a more comprehensive profile of consumer activity. The alternative security approach
offers benefits to financial institutions, merchants
and consumers.

Robert Hill
VP, Market Strategy, Early Warning Services, LLC

Virtual Identity, Anonymous
Payments & the Shadow Internet
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Prevention
Advanced

Virtual identity, social media and ubiquitous connectivity are reshaping the world and a new paradigm of
perceived anonymity has emerged. This phenomenon is disrupting the financial space globally by
changing relationships and destroying risk models
through the creation of mobile, alternative and
often anonymous, payment systems. While fostering
innovative and sometimes positive societal change,
it can be used by criminal and extremist elements as
exemplified by the international dismantling of Liberty Reserve. Participants in this session learn how
the good and bad aspects of this new frontier are
changing the payments business, and what it means
to their organizations.

Scott Dueweke
Senior Associate, Virtual Identity & Anonymous
Payments, Booz Allen Hamilton

Empowering Customers with Billing,
Payment & Usage Alerts
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Intermediate

Today’s customers demand actionable information at
their fingertips. When billers empower and inform
customers, they can increase customer loyalty and
satisfaction and low-cost behavior. Participants in
this session learn how to deliver relevant billing,
payment and usage alerts to customers using the
appropriate form of contact at just the right time.

Phil Spradlin
Product Marketing Manager, ACI Worldwide

Level:

1:30 p.m. – 2:30 p.m.
Intermediate

Consumer bill payment exceptions (defined as a
biller’s inability to properly apply a payment credit to
a customer’s account) are bad for customer service
and they cost the industry nearly $800 million per
year according to a study commissioned by
NACHA. Worse, both the volume and the rate of
bill payment exceptions are increasing. The majority
of these exception payments are originated by banking and related third party channels. Over the years,
banks and third parties have developed practices to
help mitigate exceptions. These typically require
bilateral agreements between the originating and
biller parties and are labor intensive. The purpose of
this session is discuss the goals and status of a new
proposal – the Bill Payment Exception (BPE) Convention – and the opportunity for implementing a
standardized industry approach – leveraging the
ACH Network – to mitigate bill payment
exceptions.

Moderator: Robert Unger, AAP
Senior Director, E-Billing & Payments, NACHA - The
Electronic Payments Association

Industry Agenda
Gamifying Financial Services: The
Millennials, Gen X and Institutions
Time:
Track:

2:45 p.m. – 3:45 p.m.
General Session

Sponsored by

Everything we know about the
financial services is about to
be turned upside down by the
Millennial generation. They’re
more concerned with the
environment, cost and social
impact of everything than ever
before, but what they really want is
fun and engagement. While we’ve
been mining behavioral and econometric
data and working hard to improve technology, now
we need to consider how to get the customer of the
future off their phones for long enough to care about
finance and the future. The solution: gamification a powerful new approach to driving loyalty and
engagement that is changing the financial employee,
customer and strategic landscape with extraordinary
speed. Join author and designer Gabe Zichermann
for this fast-paced session that will show you how,
when and why gamification will revolutionize the
top and bottom line, and everything in between.

Gabe Zichermann
Chair, GSummit

Andy Branch
Senior Product Manager, Electronic Payments, Capital
One

Kathy Romano
Executive Director, Bill Print, Payment & AR
Operations, Verizon

Steve Hooper, AAP, CTP
SVP, Payment Strategy, iPay Solutions

Smart Approaches to Reach
Smart-Enabled Customer
Time:
Track:
Level:

Refreshment Break in the
Exhibit Hall
Time:

3:45p.m. – 4:30p.m.

Education Session in the Exhibit Hall:
How to Improve Your Organization’s
Social Media Profile
Time:
Level:

3:50 p.m. – 4:20 p.m.
Intermediate

1:30 p.m. – 2:30 p.m.
Intermediate

With an average of 3.5 credit cards plus two other
accounts, and increasingly equipped with smart
mobile devices with numerous payment and commerce apps, consumers are on the go and ready to
transact. To get past the noise of the countless email
offers and mobile alerts, new capabilities supported
by the latest versions of the Apple iPhone and
Google Nexus enable merchants to couple Bluetooth Low Energy with geo-targeting to cut through
the noise and reach truly “mobile” customers with
relevant, real-time deals. Participants in this session
discover how these innovations can be leveraged to
generate sales for their companies.

Companies are turning to Twitter, Facebook,
LinkedIn and other social marketing platforms to
offer deals, promote products and services, and reach
out to customers old and new. But, in the fast-moving internet world can these platforms continue to
serve over the long haul, and what will be the next
platform? Participants in this session hear directly
from a Social Media Strategist on how the next
generation of social media can help foster your
organizations profile.

Matthew A. Goldman
Co-Founder & CEO, Wallaby Financial

April Bingham
Customer Service Manager, Billing, DC Water

16

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PAYMENTS 2014

Tips for Cutting Edge ePayments &
eRemittance Solutions

Mobile Bill Payment & Presentment
(MBPP) Insights for Billers

Data Monetization in the Payments
Industry

Time:
Track:
Level:

Time:
Track:
Level:

Time:
Track:
Level:

4:30 p.m. – 5:30 p.m.
Intermediate

Businesses that rely on checks are pleasantly surprised to learn how easy and beneficial it is to switch
to electronic payments and remittance alternatives.
Participants in this session hear firsthand from corporate practitioners about decisions that improved
accounts payable systems, streamlined customer
remittances, sped up incoming receipts and resulted
in innovative disbursement practices. Case studies
outline the actions businesses took and highlight the
lessons they learned, while talking about cost and
other benefits they realized. Efforts by the allvolunteer, grassroots Remittance Coalition to
overcome barriers and educate B2B trading partners
are discussed.

Moderator: Claudia S. Swendseid
Minneapolis

4:30 p.m. – 5:30 p.m.
Intermediate

Adoption of mobile bill payment doubled last year
and yet only one-third of company's surveyed report
having a mobile bill pay strategy. Many billers view
mobile as an enabler of customer self-service,
eBilling and bill payment via ACH. With this rapid
growth in mobile transactions and dynamic technological changes, it requires companies in all industries to understand what consumers want and what
leading firms are providing today and tomorrow.
Participants in this session benefit from a discussion
of the comprehensive findings from the Second
Annual Mobile Bill Pay Benchmark Study and
the Sixth Annual Consumer Household Survey,
which feature key observations on consumer
adoption and actionable insights for biller strategies
and deployment.

Edward Bachelder

Sandra Roth

Director, Research, Blueflame Consulting, LLC

Manager, Trade Financial Management, Johnson &
Johnson

Eric Leiserson
Senior Research Analyst, Fiserv

Carole M. Hunt
Assistant Treasurer, Director, Ameren Services Center,
Ameren Corporation

Leveraging Mobile to Bring Financial
Services to the Underbanked

Leveraging the ACH Network for
P2P Payments

Time:
Track:
Level:

Time:
Track:

4:30 p.m. – 5:30 p.m.
Intermediate

4:30 p.m. – 5:30 p.m.
Payments Strategies
Intermediate

4:30 p.m. – 5:30 p.m.
Payments Strategies
Intermediate

The payments industry continues to be ripe for
disruptive innovation. The ability to monetize data
may be one of the major disruptors going forward
and those who fail to capitalize on this opportunity
may soon be at a disadvantage. Participants in this
session learn about opportunities and challenges for
various parties holding data, key drivers for success,
critical considerations and the potential for monetizing data into discreet revenue streams.

George Warfel
Director, PwC (PricewaterhouseCoopers LLP)

Dimpsy Teckchandani

The Gatekeeper Paradigm
Time:
Track:
Level:

4:30 p.m. – 5:30 p.m.
Prevention
Advanced

The payments system in the U.S. relies upon financial institutions to serve as gatekeepers. Regulations
and payment system rules require financial institutions to know their customers and third parties and
warrant that the payments they introduce are
authorized. Is this paradigm working? After some
level setting of the current legal and regulatory
regime that is designed to prevent misuse of the payment system, participants in this session hear panelists discuss recent media events, regulatory actions
and legislative proposals that suggest the gatekeeper
paradigm may not be sufficient. Panelists share their
views on whether the gatekeeper paradigm needs to
be changed, and if so, how and what the business
and policy implications of such changes would be.

Person-to-person (P2P) payments offer financial
institutions solutions that leverage the ACH
Network, while expanding the portfolio of services
they offer clients. Participants in this session learn
the benefits of offering P2P services, how to mitigate
risk management and security challenges and the
WEB credit for ACH P2P payments rule.

Nearly one-third of the American population relies
on alternative financial services for check cashing,
payday loans, money transfers and similar products.
The impact on the consumer has been higher fees,
limited access to funds and credit, all of which contribute to persistent poverty levels. Participants in
this session learn how one credit union is using
mobile banking and mobile deposit capabilities to
provide access to high-quality financial products and
services to underserved consumers and how mobile
technology is combatting poverty.

Moderator: Kathy Levin, AAP

Moderator: Andrew Tilbury

EVP, Corporate Products & Services, TD Bank, N.A.

Senior Director, Advanced Payment Solutions,

Chief Marketing Officer, Bluepoint Solutions

Karen Hobbs

Richard Campbell

Attorney, Federal Trade Commission

Terri P. Sands, AAP

Chief Financial Officer, HOPE Credit Union

Joe W. Hussey

SVP, Payments Oversight & Fraud Management, State
Bank & Trust Company

Scot Slay

Executive Director, J.P. Morgan

Vice President, Marketing and Communications
Director, HOPE Credit Union

Paul K. Holbrook

Level:

Louise C. Clynes

Moderator: Alaina Gimbert
SVP & Associate General Counsel, The Clearing House

Richard W. Burke, Jr., CCM

Associate General Counsel, HSBC Bank USA, N.A.

Group VP, Money Movement Products & Digital
Channel Management, SunTrust Bank


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Increasing Customer Engagement in
Authentication

The Apps Have It: Accelerating Cash
Flow for Small Business

The Changing Face of Cross Border
Payments

Time:
Track:
Level:

Time:
Track:
Level:

Time:
Track:
Level:

4:30 p.m. – 5:30 p.m.
Intermediate

Customers’ desires have changed in terms of safety
when using bank-issued credit or debit cards in
virtual channels. Participants in this session explore
how issuers can leverage rewards programs to engage
customers in authentication in the post-EMV world.

Michael A. Keresman III
Chief Executive Officer, CardinalCommerce
Corporation

Janet L. Kapostasy
VP, Financial Institution Services, CardinalCommerce
Corporation

The Case for Debit Card Remittance
Time:
Track:
Level:

4:30 p.m. – 5:30 p.m.
Intermediate

The Durbin Amendment has fundamentally
changed the revenue model on interchange for
financial institutions, but has also brought about
opportunities to enhance customer payment channels and capabilities for billers. Consumers do not
usually have their routing and account numbers
handy when setting up a bill payment and are
increasingly frustrated when billers cannot accept
their “account number” on their debit card.
Participants in this session hear the case for
accepting debit card remittance in the new Durbin
world — the hurdles, key assumptions and ultimate
outcomes for adding it as a payment option across all
customersegments.

Brandee Bevan
Director, Card Payment Services Intent, Capital One

Ryan Cope
Expert, McKinsey & Company

Brett Dickey
Card Payment Analysis and Services, Capital One

4:30 p.m. – 5:30 p.m.
Intermediate

Getting paid and making payments keep small
businesses going. Financial institutions that can
make the process easier can keep payments revenue
from small businesses in-house and out of the
pockets of non-bank competitors. Participants in
this session hear what research tells us about how
small businesses want to interact with financial
institutions and the tools and channels they are
likely to use now and into the future. Learn how
to keep payments bank-centric while speeding up
settlement, leveraging loyalty programs and
managing receivables and payables from anywhere,
at any time.

4:30 p.m. – 5:30 p.m.
Intermediate

The traditional world of cross-border payments is
rapidly evolving as regulatory change affects the
landscape in various countries, regions and
economic blocks and more consistent best practices
are adopted globally. Participants in this session
learn about the dynamics in cross-border payments
today and their significance to financial institutions
and their customers in our increasingly interconnected world.

Kunal Bist
Cross Border Payments Product Manager, North
America, Citi Transaction Services

Vicki O'Connor

Monday Night Celebration

VP, Product Management Business Services, Fiserv

Time:

David Keenan
General Manager, ACCEL/Exchange Network, Fiserv

Brian Collins
SVP, eBanking & Payments Services Director, Enterprise
Bank

Corporate Priorities for Payments
Time:
Track:
Level:

4:30 p.m. – 5:30 p.m.
Corporate Payment Solutions
Intermediate

Financial institutions and other payment service
providers need to understand what their customers
want. Participants in this session hear panelists delve
into the top priority issues to provide insights for
improving existing services and identifying potentially new services of value to corporates. Learn what
the results of recent surveys and other activities
indicate about payment priorities from the corporate
perspective. Gain deeper understanding as corporate
practitioners share personal experiences with
current treasury and related initiatives within their
companies, and offer additional insights into how
corporates prioritize their own time in managing
the bank and vendor.

6:30 p.m. – 8:30 p.m.

Get ready for one of the
Co-Sponsored by
most anticipated events of
the conference—a fun-filled
extravaganza that fills four
different clubs and takes over the streets of Universal
CityWalk® at Universal Orlando® Resort. Take a
trip to New Orleans at Pat O’Brien’s® or explore the
home of the king of reggae at Bob Marley–A Tribute
to FreedomSM. Enjoy three themed rooms and a huge
dance floor at the grooveSM and take the stage at
CityWalk’s Rising Star
(hosted by EastPay). It’s an
entire evening of fun, food
and celebration. This event
is open to all conference
attendees. Be there!
Pat O’Brien’s, Hurricane Glass logo, Have Fun! and Iron Grill Design
® Pat O’Brien’s Bar, Inc. © 2014 Pat O’Brien’s Bar, Inc. All rights
reserved. Universal elements and all related indicia TM & © 2014
Universal Studios. All rights reserved.

Moderator: Chrystal Pozin
Principal, Treasury Strategies, Inc.

Anita S. Patterson, CTP
Director, Treasury Services, Cox Enterprises, Inc.

Daniel W. Ellecamp, AAP, CTP
Treasury Consultant, AAA NCNU

Rue A. Jenkins
AVP, Treasury, Costco Wholesale

18

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PAYMENTS 2014

Tuesday, April 8

Cruising Toward Payroll Efficiency
with Payroll Cards

Enterprise Risk Management in
Today’s Global Business Landscape

Continental Breakfast

Time:
Track:
Level:

Time:
Track:

Time:

7:30 a.m. – 8:00 a.m.

Are Bank Innovations Meeting
Salient Consumer Needs?
Time:
Track:
Level:

8:00 a.m. – 9:00 a.m.
Spotlight Speaker Series
Advanced

n a candid conversation about retail banking
innovation, this distinguished panel examines
changes in consumer payments habits, the evolution
of electronic payments, and the strategic implications for banks. The discussion is based on insights
from GCI’s latest research survey on consumer
financial behavior and payment habits. Superior to
public information, data include (geographically and
seasonally adjusted) timely information on U.S.
consumer bill payment methods, economic
circumstances, use of credit cards, and banking
relationships. The true drivers of changes in
payment habits and latest trends can be derived
from this data.
Senior Expert, McKinsey & Company

In today’s world, global-level risk assessment is a
concern for all major organizations – especially those
involved in any form of money movement. A risk
profile that serves as the framework for how key critical risks are identified and managed is critical. Participants in this session receive a holistic view of an
enterprise risk management model and framework
for global money movement and compliance;
encompassing the development process to the
identification of risks from operational, legal and
compliance, information technology, strategy and
financial and reporting perspectives.

Joe W. Hussey

Kristin S. Walle, AAP, CTP

Executive Director, J.P. Morgan

VP, Global Money Movement & Compliance, ADP,
Inc.

Lourdes Suarez
Senior Director & Assistant Treasurer, Carnival

Case Study: Automating Renewals
of ACH Origination Agreements

Level:

Adoption of ISO 20022 Standards in
the Global Payments Markets: What
is the U.S. Doing?
Time:
Track:
Level:

8:00 a.m – 9:00 a.m.
Advanced

Key global markets are implementing ISO 20022
messaging standards in their payments market infrastructures. The U.S. has taken initial steps in using
ISO 20022 — e.g., the NACHA International
ACH Transaction (IAT) format and the
Fedwire/CHIPS Extended Remittance Information
fields. In 2013, the Federal Reserve Banks, TCH,
NACHA and ASC X9 funded a business case analysis to assess the potential adoption of ISO 20022.
Hear the conclusions of this assessment and provide
your own view on the roadmap the U.S. community
should develop when considering adoption of
ISO 20022 message formats in the payments market.

Level:

8:00 a.m. – 9:00 a.m.
Prevention
Advanced

Managing payroll for organizations with globally
dispersed employees can be a tremendous challenge,
particularly when requirements such as limited
access to bank accounts or maintaining compliance
with local regulations complicate matters. Participants in this session gain insight and best practices
from Carnival Corporation’s experience in implementing a customized payroll card program in order
to pay its employees around the world. Learn how
payroll cards can be used to mitigate risk and provide
convenient access to funds with streamlined
payments that meet regional compliance mandates
for employee payments.

Time:
Track:

Moderator: David Stewart,

8:00 a.m. – 9:00 a.m.
Intermediate

8:00 a.m. – 9:00 a.m.
Advanced

Automating renewals of ACH origination
agreements not only expedites the process
significantly, it can result in an enhanced customer
experience, error reduction and better internal and
external audit reports. Participants in this session
learn from the experience of a financial institution
that has automated agreement renewals and is successfully meeting due diligence requirements to
ensure that Originators and Third-Party Senders are
able to fulfill their obligations in compliance with
the NACHA Operating Rules. Gain an understanding of the operational challenges of completing the
due diligence process, the steps taken and the lessons
learned in automating the ACH service renewal and
the new customer setup process.

Whatever You Do, Wherever You
Go, Somebody is Watching You
Time:
Track:
Level:

8:00 a.m. – 9:00 a.m.
Advanced

Security for mobile retail payment models that use
NFC, cloud, barcode and hybrid technologies is
perhaps the least understood area of security among
parties in the value chain. Examining the transaction lifecycle end-to-end offers a holistic way to
understand the security concerns and measures one
should consider. Participants in this session gain
insight into the role that all of the parties play in the
transaction as they are lead through various use cases
to understand the threats and vulnerabilities
throughout the transaction lifecycle, the probability
of these vulnerabilities and potential mitigations.

Moderator: Susan M. Pandy, Ph.D.
Director, Payment Strategies, Federal Reserve Bank of
Boston

Javed Chaundry
Director, Global Mobile Payments, Citigroup

Joseph Casali, AAP, NCP

Sébastien Taveau

Vice President, NEACH

Chief Evangelist, Synaptics, Inc.

Ravi Vakacherla
First Vice President, Treasury Management and Digital
Channels, People's United Bank

Roy C. DeCicco, CCM
Managing Director, J.P. Morgan

Richard Dzina
Senior Vice President, Federal Reserve Bank of New
York

Russ Waterhouse
EVP, Product Development & Strategy, The Clearing
House


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The Intersection Between Payment
Risk Management & BSA/AML
Compliance
Time:
Track:
Level:

8:00 a.m. – 9:00 a.m.
Prevention
Advanced

In many financial institutions, payment risk
management and BSA/AML compliance responsibilities are located in different departments. Some of
these responsibilities, such as KYC and reporting
fraudulent transactions are often very similar. Recent
actions taken by the OCC and the FDIC highlight
why financial institutions need to integrate payment
risk management and BSA/AML compliance
functions. Participants learn how to best coordinate
these activities to reduce the risk of litigation and
financial penalties.

Case Study: Bringing Payment
Processing Technology Full Circle

Next Steps in Active Defense
Against Cyber Attacks

Time:
Track:
Level:

Time:
Track:

8:00 a.m. – 9:00 a.m.
Payments Strategies
Intermediate

Managing multiple platforms to process different
payment types can be challenging and costly.
Common obstacles include fraud complexity, risk
and compliance management, data storage redundancy, and cumbersome employee and customer
training. In this session, attendees hear how a
financial institution transcended siloes to enable
the processing of all payment types through a single
payments hub, and how this afforded it redundancy
elimination, improved customer service, and a more
efficient use of resources and expertise.

Debbie Smart, CTP, NCP

Level:

10:00 a.m. – 11:15 a.m.
Prevention
Intermediate

Financial institutions and financial services industry
organizations continue to adapt the security
approaches they take in an environment of everchanging threats. FS-ISAC and NACHA have
cooperated with Microsoft and others in the takedown of botnets that have attacked the financial
services industry. Participants in this session learn of
options they can take, augmented by discussions of
specific techniques and examples, to employ active
defense measures that go beyond, just defending
their perimeters.

SVP, Product Management, Aptys Solutions

William B. Nelson, AAP, CCM

Moderator: Elliott C. McEntee

Rose Davis

President & CEO, FS-ISAC

President & CEO, Payment Advisory Service

Senior Vice President, Bankers' Bank

Charles Bretz
Director, Payment Risk, FS-ISAC

BJ Lewis
VP, Product Development, Laru Technologies

Diane Blangsted
SVP, BSA & Senior Compliance Officer, Independent
Bankers Bank of Florida

Same Day ACH: Lessons &
Perspectives from Other
Geographies
Time:
Track:
Level:

8:00 a.m. – 9:00 a.m.
Advanced

Same-Day ACH continues to be debated amongst
industry players in the U.S. as a must-have capability. As work continues here to make it a reality,
experiences from payment systems in other geographies offer lessons that could well serve the U.S.
mindset. Participants in this session learn how and
why other geographies addressed the underlying
need, the hard decisions that were made, the impact
on financial institutions and the national system,
and perspectives of financial institution customers.
Participants also hear reflections on what being a
potentially distant follower means competitively for
the U.S. in the global payments arena.

Rene Pelegero
President & Managing Director, RPGC Group LLC

Refreshment Break in the
Exhibit Hall
Time:

9:00 a.m. - 10:00 a.m.

Payments Going Global: Insights into
a Changing Landscape
Time:
Track:
Level:

Time:

9:00 a.m. - 10:00 a.m.

Visit the PAYMENTS 3D Theater to be introduced
to the forward thinking, out-of-the-box disrupters
who are changing our world. PAYMENTS 3D offers
a glimpse into the next wave of payments innovations and challenges. See demos, ask questions, and
talk directly to these trailblazers.

Pay & Play: When Virtual Currencies
Get Real
Time:
Track:
Level:

10:00 a.m. – 11:15 a.m.
Intermediate

What would you do with a new currency? What
would you buy? Participants in this interactive and
“gamified” session experience mobile virtual currency first hand. Learn how virtual and digital currency, credits, gifts, coupons, rewards, miles and
other forms of value are being used in a market
worth an estimated $48 billion in 2012, and who is
defining the market. Hear what is driving growth,
the significance of digital content, and the implications for privacy and business models. Discover how
your company can leverage virtual currency for
revenue growth, loyalty and acquisition.

10:00 a.m. – 11:15 a.m.
Advanced

Changing global payment standards are impacting
corporates around the world. Three industry innovators review global systems and how new payment
standards influence innovation. Discussion topics
include BitCoin, XML, SEPA, Global ACH and
their rapid integration and dependence upon world
economies. The growth of capabilities enabled by
Third-Party Providers, such as PayPal and Square,
along with banks, underscores the need to simplify a
complex and changing set of challenges, which
include faster settlement time, return item challenges, unlimited right of reversal, and F/X. Participants gain insight into options for executing
payments in the global economy, making them
faster, better and cheaper.

Lisa Hrabosky
Global Core Payments, PayPal, Inc.

Rene Pelegero
President & Managing Director, RPGC Group LLC

Steven E. Bernstein
Executive Director, ACH/Global ACH
Marketing/Product, J.P. Morgan

Babs Ryan

20

I


PAYMENTS 2014

The Road to eReceivables: From
Outsourced Lockbox to Electronic
Payments
Time:
Track:
Level:

Legal & Regulatory Environment
for EPO
Time:
Track:

10:00 a.m. – 11:15 a.m.
Intermediate

Time:
Track:

Level:

10:00 a.m. – 11:15 a.m.
Prevention
Advanced

A critical component of the ongoing industry debate
of the potential role of the EPO in the payments
ecosystem is anchored in the lack of legal and regulatory clarity. The existing framework of rules, laws
and regulation that govern checks do not take into
account the EPO and the applicability of the Electronic Funds Transfer ACT (EFTA) and Regulation
E are uncertain. Participants in this session are provided with an examination of the legal and regulatory environment for the EPO, gaps and concerns in
the current framework and prospects for change
including legal workarounds.

TF Cornerstone has made a bold move of bringing
its lockbox in-house. Promoting its EBPP offering to
increase check processing efficiency and has
achieved a 50 percent adoption rate. Participants in
this session learn from the speakers' experience of
implementing a streamlined strategy that successfully pushes EBPP adoption, reduces costs and
increases benefits for companies, their customers
and financial institutions.

Andrew Gerstein
Senior Vice President, Treasurer, TF Cornerstone

Laurette DelGuercio

Moderator: Richard M. Fraher

Chief Marketing Officer, Transactis, Inc.

VP & Counsel to the RPO, Federal Reserve Bank of
Atlanta

Laurie Olson
Product Manager, Wells Fargo

Stephanie Martin

Level:

10:00 a.m. – 11:15 a.m.
Intermediate

New business opportunities in the ACH Network
have led to expanded Third-Party Service Provider
and Third-Party Sender roles. Today, third parties
are performing roles in ACH processing that were
not contemplated at the time they were first
addressed in the NACHA Operating Rules, and there
is sometimes a blurring of roles between third parties
and Originators. For example, an entity can be a
Third-Party Sender for one set of transactions and
an Originator for another set of transactions.
Participants in this session learn more about the
roles and responsibilities of third parties in ACH
transactions so that all participants have a common
understanding of their respective obligations.

Moderator: Pamela T. Rodriguez, AAP, CIA,
CISA

Associate General Counsel, Federal Reserve Board of
Governors

VP, Senior ACH Product Manager, J.P. Morgan

Partner, Alston & Bird LLP

Suzanne Rodman

Thomas A. Fox

10:00 a.m. – 11:15 a.m.
Payments Strategies
Intermediate

Executive Vice President, EastPay, Inc.

Duncan Douglass

The Disruptors: Challenging The
Banking Status Quo
Time:
Track:
Level:

Clarifying Third Party Roles &
Responsibilities

SVP & Director of Operations, CNLBank

Amy Leslie, AAP

Partner, Schwartz & Ballen LLP

Financial institutions have more competition now
than ever before as viable alternatives continue to
emerge. New payments and non-bank players are
building on top of financial institutions' investments
and are threatening to further disrupt the relationships financial institutions have with their customers
or members. Participants in this session obtain a
detailed picture of the disruptors in banking and payments and the impact new entrants are having and
hear why disruptive innovations are necessary and
critical to advancing the digital banking status quo.

Building the 3D Global ACH Puzzle
Time:
Track:
Level:

10:00 a.m. – 11:15 a.m.
Intermediate

Yaron Samid

As the payments landscape changes and becomes
more global, companies and individuals expect easier, lower-cost and traceable ways to make payments
across the globe. Participants in this session learn
how assembling multidimensional pieces can help
overcome challenges and obstacles to achieve global
ACH success. Processing models, evolving technologies and new entrants to the market that create
winning opportunities are examined.

Chief Executive Officer, BillGuard

Nancy Atkinson, CCM

Double Vision: Legal & Operational
Issues Regarding Duplicate
Presentment
Time:
Track:
Level:

10:00 a.m. – 11:15 a.m.
Prevention
Intermediate

Paula J. Rowe
VP, Senior Product Manager, PNC Bank

Shareholder, Cox Smith Matthews Incorporated

Director, Payment Strategy, Dovetail

Senior Analyst, Celent, LLC

Erin Fonte

Rossana F. Salaris, AAP

Jacob Jegher

Duplicate presentment of check items can come
from a variety of channels and sources and prevention of duplicate items, and appropriate strategies for
addressing duplicate presentment, are driven by the
legal framework including the Check 21 warranty
against duplicate presentment. Learn how duplicate
presentment can arise and what recourse is available
if a duplicate item is paid. Hear suggestions for prevention and detection and thoughts about how to
minimize risk to your financial institution.

Angie Smith, AAP, NCP

Senior Analyst, Aite Group

VP, Professional Development Events, Western
Payments Alliance


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21

Check Up for ACH Healthcare
Claim Payments

Account Validation: A Vision for a
Brighter Tomorrow

Mobile Wallets: Why It's Critical
Banks Control Their Own Destinies

Time:
Track:
Level:

Time:
Track:

Time:
Track:
Level:

10:00 a.m. – 11:15 a.m.
Payments Strategies
Intermediate

Provisions of the NACHA Operating Rules to
support healthcare payments encourage the use of
the ACH Network for healthcare claim payments
with a goal to drive down costs. Is the rule accomplishing this objective? Participants in this session
learn from a healthcare provider and a financial
institution that overcame barriers and the lessons
they learned as they made the decision to support
ACH healthcare claim payments

Kamlesh K. Jani
Project Manager, Quest Diagnostics, Inc.

Judey L. Thessen, CTP
Senior ACH Product Manager, Bank of America Merrill
Lynch

Level:

1:30 p.m. – 2:30 p.m.
Intermediate

Originators, ODFIs and RDFIs have a staked interest
in ensuring that accurate DDA information is used
for ACH payments. However, Originators and
ODFIs rely heavily on data provided by consumers
while RDFIs are limited in their ability to determine
valid requests. In some cases the account information provided is inaccurate, incomplete or may be
fraudulent. This results negatively on ACH Network
quality and risk management. Participants in this
session gain an understanding of the benefits and
challenges associated with current account validation methodology and hear Network stakeholders
discuss a vision for a brighter tomorrow filled with
more efficient, cost-effective and timely options for
validating consumer DDA information.

Payments Collection Success Story:
A Win/Win Proposition

Timothy Mills, AAP

Time:
Track:
Level:

Kevin Clapper

10:00 a.m. – 11:15 a.m.
Intermediate

Like their private sector counterparts, governmental
entities seek to solve business problems and realize
tangible benefits by adopting electronic collections
solutions. Participants in this session hear how Johnson County, Kansas implemented a payments collection solution to increase efficiency, enhance the
customer service experience and provide consumers/taxpayers with payments options. Consumerfacing organizations of various types can adopt and
apply lessons and insights from this experience.

Greg Baldwin
Deputy Treasurer, Johnson County, Kansas

Uma Wilson, AAP, CTP
SVP, Director of Product Management & Development,
UMB Bank, N.A.

2014 NACHA Payments
System Awards Luncheon
Time:

11:30 a.m. – 1:15 p.m.

See page 6 for details.

22

I

Vice President, Executive Director, The Clearing House
AVP, Group Manager, Banking Services, T. Rowe Price
Associates, Inc.

Jennifer L. Zatkos, AAP
Vice President, M&T Bank

Paying to Win: Sound Business
Practices in Electronic Payments
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Advanced

1:30 p.m. – 2:30 p.m.
Payments Strategies
Intermediate

The importance of financial institutions controlling
their own customer experience as it relates to the
wallet cannot be ignored. Mitigating the effects of
disintermediation is critical to build loyalty and
maintain relationships with customers. Participants
in this session hear what’s at stake in this space, why
and how financial institutions should be taking
action if they are not already doing so, and insights
to inform their own strategies.

Tom Poole
Managing VP, Mobile Commerce & Payments, Capital
One

How Consumers Use Mobile
Financial Services & Why It Matters
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Intermediate

Taking the time to put a face on potential users of
mobile financial services can lead to more useful and
usable products. Understanding the various types of
consumers and how they access and use financial
services is critical to a successful strategy. Participants in this session gain insights into the product
attributes needed to better serve customer segments
in a multi-channel, multi-device world, in which
consumers shift from channel to channel and device
to device.

Steve Shaw
Companies are increasingly turning to electronic
payments to increase efficiency. However, inappropriate program setup may negatively impact
accounts payable and receivables processing and
undercut desired outcome. In this session, participants learn how to maximize efficiency gains and
realize intended results in their companies from
insights on proprietary research and best
practices.

VP, Strategic Marketing, Fiserv

James Wester
Research Director, Global Payments, Financial Insights,
an IDC Company

Laura J. Listwan, AAP, CTP
Senior Vice President, U.S. Bank

Sponsored by


PAYMENTS 2014

Playing in the International
Payments Space

Confirming Identity Through a
Multidimensional Prism

Time:
Track:
Level:

Time:
Track:

1:30 p.m. – 2:30 p.m.
Advanced

Rapid globalization and the shift from paper to
electronic payments are factors driving increased
demand for global payments, which has concurrently
created more international standards and regulations. The rising demand provides opportunities as
well as challenges for organizations that participate
in the international payments arena. Participants in
this session gain insight into global payments trends
based on research and statistics gathered by the
World Bank, as well as the motivators and experiences of a financial institution and a money service
provider transacting international payments.

Moderator: Nell Campbell-Drake, AAP
Vice President, Federal Reserve Bank of Atlanta

Level:

1:30 p.m. – 2:30 p.m.
Prevention
Advanced

Accurately verifying identities is one of the biggest
challenges facing the financial services industry.
With faceless virtual transactions now the norm,
that challenge will only intensify. Innovative
approaches that leverage multiple data sources offer
financial institutions new capabilities to incorporate
into their risk management arsenals. Participants in
this session learn how one major institution is
exploring a solution that quickly cross-references
government identity data, telecommunication
location files and checking account data to create a
three-dimensional resource that can accurately
confirm a customer's identity, their location and
how they transact.

Massimo Cirasino

Future of B2B Payments
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Advanced

Automating business-to-business (B2B) payments
remains elusive. Though small businesses make up
more than 50 percent of trading partners, checks are
still used to make large dollar payments. The vision
for straight-through processing of both the data and
the payment among business partners has been clear.
This session tracks progress, explores remaining
potential obstacles, and offers ideas for creating a
process that is efficient and effective for both payers
and payees. Participants hear from industry leaders
about perspectives on approaches that are leading
the way for such interoperability and adoption, and
market forces that are shaping how corporates send
and receive payments.

Glenn Fromer, CPA
Director of Development, Treasury Software Corporation

Head, Payment Systems Development Group, The
World Bank

Dan Covey

Flint A. Lane

VP, Operational Risk, Wells Fargo

Chief Executive Officer, Billtrust

Timothy Schmidt, AAP

Cory Davis

Mary Zerjav, AAP, CTP

VP, Electronic Payments, U.S. Bank

VP, Corporate Development, Early Warning Services,
LLC

Senior Product Manager, BNY Mellon

Paul Dwyer
Chief Executive Officer, Viamericas Corp.

Consumer Regulatory Impact on
Your Commercial Business

Driving ACH Adoption in Small
Businesses
Time:
Track:
Level:

Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Intermediate

Small businesses represent a ripe and under-tapped
growth area for financial institutions. Still heavily
reliant on checks and acting like consumers in many
cases, small businesses are a critical target to grow
ACH origination business lines and other financial
services. Participants in this session hear the findings
of recent studies benchmarking ACH use among
small businesses as well as strategies to increase use
of ACH in this important, but largely underserved
customer segment.

Moderator: BC Krishna

1:30 p.m. – 2:30 p.m.
Payments Strategies
Intermediate

Numerous consumer regulations affect the payments
industry, but little attention is paid to their impact
on the commercial payments area. Participants in
this session hear from experts versed in consumer
and corporate payments as they explore strategies for
dealing with the commercial payments implications
of ADA, Regulation E and Remittance Transfer
Rule compliance, as well as regulation relating to
payroll cards, merchant processing and record
retention.

Profitably Serving the Unprofitable
Consumer
Time:
Track:
Level:

1:30 p.m. – 2:30 p.m.
Intermediate

How do you profitably serve customers who have
low average balances, require frequent access to cash
and demand real-time account access? Participants
in this session learn how to find profit in such customers through innovative prepaid card solutions.

Moderator: Kirsten Trusko
President & Executive Director, NBPCA

Anu Shultes
General Manager, Prepaid Telecom & Financial
Services, Blackhawk Network

John Hagy
Casey H. Wilcox

Chief Legal Officer, MetaBank

SVP, Head of Payables & International Product
Management, Capital One

Trent Sorbe
President & CEO, FirstView, LLC

Scott Fryzel

President & CEO, MineralTree, Inc.

Partner, Chapman and Cutler LLP

Claudia S. Swendseid
Minneapolis

Jane E. Larimer
EVP, ACH Network Administration, General Counsel,


I

1-800-487-9180

23

NACHA PAYMENTS 2014 Conference Brochure

NACHA PAYMENTS 2014 Conference Brochure

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