PAYMENTS 2014 On Site Guide

ORLANDO WORLD CENTER MARRIOTT
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Transform Imagination into
Strategic Innovation
ONSITE GUIDE
Pay2014_Onsite_7B_PAY2012 3/11/14 10:03 AM Page 2

BEIJING · BOSTON · BRUSSELS · CHICAGO · DALLAS · FRANKFURT · GENEVA · HONG KONG
HOUSTON · LONDON · LOS ANGELES · NEW YORK · PALO ALTO · SAN FRANCISCO
SHANGHAI · SINGAPORE · SYDNEY · TOKYO · WASHINGTON, D.C.
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SETTING THE
LEGAL STANDARD
FOR THE GLOBAL
PAYMENTS INDUSTRY
Our strategic advice is informed by our extensive
background in the payments industry. From bitcoin
and virtual currency to mobile payments, prepaid
and debit cards, and ACH, our team can assist
you with your legal and business objectives.
Washington, D.C.
William S. Eckland
+1.202.736.8267
Joel D. Feinberg
+1.202.736.8473
James A. Huizinga
+1.202.736.8681
Jeffrey S. Hydrick
+1.202.736.8192
Gretchen E. Lamberg
+1.202.736.8083
Patrick K. O’Keefe
+1.202.736.8120
David E. Teitelbaum
+1.202.736.8683
John K. Van De Weert
+1.202.736.8094
London
William RM Long
+44.20.7360.2061
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+44.20.7360.3721
Singapore
John M. Casanova
+65.6230.3907
www.sidley.com
Pay2014_Onsite_7B_PAY2012 3/7/14 2:36 PM Page 2

https://payments.nacha.org I 1-800-487-9180 3
TABLE OF CONTENTS
Thank you to Our Sponsors
and Media Partners. . . . . . . . . . . . . . . . . . . . .4
Chairperson's Welcome Letter . . . . . . . . . . . . .5
Welcome to PAYMENTS 2014! . . . . . . . . . . . .6
Conference Highlights . . . . . . . . . . . . . . . . . . .7
Executive Forum . . . . . . . . . . . . . . . . . . . . . . .9
Orlando World Center Marriott Floor Plan . . .10
Conference Planning Committee . . . . . . . . . .38
Workshops, Sessions and Special Events
Sunday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
Monday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14
Tuesday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24
Wednesday . . . . . . . . . . . . . . . . . . . . . . . . . .34
Sponsor/Exhibitor/PAYMENTS 3D
Innovators Directory
PAYMENTS 2014 Sponsors . . . . . . . . . . . . . .39
Floorplan . . . . . . . . . . . . . . . . . . . . . . . . . . . .44
Exhibitor List . . . . . . . . . . . . . . . . . . . . . . . . .45
Exhibitor Directory . . . . . . . . . . . . . . . . . . . .46
PAYMENTS 3D Innovators . . . . . . . . . . . . . .56
PAYMENTS 2014 Mobile App
View Schedules. Explore sessions, access
locations and speaker presentations.
Create. Design your personal schedule
and view interactive maps.
Check-in. For sessions, keynotes, exhibitor
booths and more.
Update. Share photos, comments, your
location and connect with other attendees.
Earn Badges. Earn points and badges by
simply using the App and enhance your
chance to win! See page 11 for details.
Download the App at
http://doubledutch.me/download/payments-2014

4 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014
Thank You . . .
...TO OUR SPONSORS
T E C H N O L O G I E S
TM
www.affirmativeusa.com
. . . AND TO OUR MEDIA PARTNERS
Monday Night Celebration
Co-Sponsor
Exhibit Hall Aisle Signs Monday Lunch in Exhibit Hall Industry Agenda & Education:
Corporate Payments Solutions Track
Spotlight Speaker Series
Co-Sponsor
Conference Pens PAYMENTS 3D Theater and
Industry Agenda & Education:
Card-Based Opportunities Track
Wednesday Continental
Breakfast
Co-Sponsor
Solution Circles Monday Morning Refreshment Break Industry Agenda & Education:
Risk, Compliance & Fraud
Prevention Track
Industry Agenda & Education:
The ACH Network & the NACHA
Operating Rules Track
Monday Continental Breakfast Conference Lanyards AAP Sunday Evening Reception
Chairperson's Leadership Reception 2014 NACHA Payments System
Awards Luncheon
Executive Forum Industry Agenda & Education:
Mobile & Digital Payments Track
Wireless Internet
These logos are registered trademarks or are considered other intellectual property of their respective companies in the United States and other countries and are used under license and/or permissions.

Chairperson's Welcome Letter
Colleagues:
On behalf of NACHA — The Electronic Payments Association, I welcome you to PAYMENTS 2014.
Representing organizations throughout the payments value chain, we gather in Orlando for our
annual conference, to learn, engage and network with the best and brightest in the payments industry.
Collectively, we are driving innovative solutions as well as their adoption, which is enabling businesses
and consumers to securely and easily purchase and pay bills electronically.
Regardless of your role in the payments field, NACHA’s annual conference offers you a comprehensive examination of the
most pressing topics in the payments ecosystem that will inform and enrich your strategic outlook and execution. Take full
advantage of the unrivaled educational experience and solution-rich exhibit hall to gain insights and actionable information
from those who are driving change and moving the industry forward.
Engage your colleagues, clients and business partners — and cultivate new relationships — while gaining industry-leading
knowledge. The robust dialogue among attendees and incomparable networking opportunities provides an immediate
linkage between new ideas and potential business opportunities.
The NACHA team of industry volunteers and staff has worked tirelessly to deliver unmatched value at PAYMENTS 2014.
Our goal is for you to leave Orlando armed with the new ideas, business connections and critical knowledge necessary to
continue to strategically drive payments innovation for your organization and for the industry.
We hope you enjoy the conference.
Sincerely,
Pat Thelen, CTP
Executive Vice President
UMB Bank n.a.
NACHA Board Chairperson

REGISTRATION & ADMISSION INFORMATION
All PAYMENTS 2014 attendees must wear their conference
credentials at all times. Individuals without credentials will
not be admitted to any conference functions. Conference
participants with green badge stock (exhibit hall only and
guests) are not permitted to attend concurrent educational
sessions, Solution Circles or the Tuesday Awards Luncheon.
All attendees must wear their credentials in order to attend
the Monday Night Celebration.
All session attendees must be seated during presentations.
Standing in the back of an education session is prohibited by
the Fire Marshall.
REGISTRATION HOURS
Location: Palms Ballroom Foyer
Sunday, April 6
11:00 a.m. – 1:00 p.m.
(Pre-Conference Workshop Registrants Only)
1:00 p.m. – 6:30 p.m. (All Registrants)
Monday, April 7
7:00 a.m. – 5:30 p.m.
Tuesday, April 8
7:30 a.m. – 5:30 p.m.
Wednesday, April 9
8:00 a.m. – 12:00 p.m.
Conference Concludes at 12:00 p.m.
EXHIBIT HALL HOURS
Monday, April 7
10:30 a.m. – 2:45 p.m.
3:45 p.m. – 5:00 p.m.
Tuesday, April 8
9:00 a.m. – 11:45 a.m.
1:00 p.m. – 7:00 p.m.
Exhibit Hall Activities Conclude at 7:00 p.m.
EDUCATION SESSION PRESENTATION
MATERIALS
Presentation materials will be available for download
for up to 90 days after the conference via the
PAYMENTS 2014 Mobile App and at
https://www.nacha.org/pay-pres.
SOCIAL MEDIA
Follow all the activity on Twitter at
@NACHA_PAYMENTS and use hashtag
#PAYMENTS2014 along with the speaker handles
located throughout this guide to join in the conversation
during each session. Join us on LinkedIn at
http://bit.ly/PAYMENTS2014
COMPLIMENTARY WIRELESS ACCESS
Sponsored by
Bring your laptop or mobile device and take advantage of
complimentary wireless Internet access in the meeting
space at the Marriott. For access to the complimentary
WiFi service provided by Western Union, select the
PAYMENTS2014 network and use the password of
WesternUnion.
FIRST TIMERS' ORIENTATION SOCIAL
Sunday, April 6
10:45 a.m. - 12:00 p.m.
Location: Crystal J1
Join us for an overview of all of the educational and
networking opportunities the PAYMENTS conference has
to offer. After this short presentation, enjoy a coffee break
with select members of the Conference Planning
Committee and NACHA staff who are there to answer
your questions and help you make connections.
Welcome to !
Thank you for being a part of the most comprehensive payments event of the year.
All events are held at the Orlando World Center Marriott unless otherwise noted.

Conference Highlights
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.
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.
Networking Lunch in the Exhibit Hall
Join us on Monday for an exciting and
engaging lunch in the exhibit hall.
This opportunity is open to all conference
participants and is a great chance to network with
exhibitors, sponsors, speakers, and other attendees.
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 on Tuesday as we unveil this
year’s recipients.
EVENING RECEPTIONS
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®
(hosted by ACI Worldwide)
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.
Sponsored by
Co-Sponsored by
Sponsored by
Sponsored by
33601_NACHA_Rev8:PAY2012 3/12/14 1:19 PM Page 7

UNIQUE EDUCATION EVENTS
Opening General Session
Banking on Artificial Intelligence
Day: Monday, April 7
Time: 8:00 a.m. – 9:00 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 ever-increasing 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
Chief Scientist, Professor, Artificial Intelligence Expert,
Narrative Science
Solution Circles
Time: 7:00 a.m. - 8:00 a.m.
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.
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’s New and Different in Today’s
Environment?
• Payments System Improvements: What are the Industry’s
Next Steps?
• Virtual Currencies: Are They Here to Stay and Why Should
I Care?
Sponsored by
Sponsored by
Sponsored by
Industry Agenda
Gamifying Financial Services: The
Millennials, Gen X & Institutions
Time: 2:45 p.m. – 3:45 p.m.
Everything we know about the financial services
industry 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.
Spotlight Speaker Series
New this year, the Spotlight Speaker Series focuses on the challenges and
opportunities that will shape the payments space of tomorrow.
Are Bank Innovations Meeting Salient
Consumer Needs?
Day: Tuesday, April 8
Time: 8:00 a.m. – 9:00 a.m.
What’s Next for P2P: Today’s Lessons for
the Future
Day: Tuesday, April
Time: 3:15 p.m. – 4:15 p.m.
Payment System Priorities: What the
Fed Has Learned
Day: Wednesday, April 9
Time: 8:30 a.m. – 9:30 a.m.
Invitation-only Events:
CHAIRPERSON’S LEADERSHIP
RECEPTION
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.
AAP RECEPTION
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.
Sponsored by
Sponsored by

The Evolution of the U.S. Payments System
Time: 1:15 p.m. – 1:45 p.m.
Room: Anaheim/Atlanta/Boston
Track: Executive Forum
Level: Advanced
The next generation of the U.S. payments system requires new thinking
and cooperation across the myriad players that make up today’s payments
ecosystem. Some initiatives introduced over the last few years have
been less successful due in part to a siloed approach. Change that can be
sustained requires addressing the needs of joint business and consumer
users. For solutions to be successful, they must be developed through open
collaboration with consideration of the full ecosystem and benefit both
payers and payees. Ather Williams, global head of payments and strategy
for Bank of America Merrill Lynch Global Treasury Solution Division out-
lines the current state of U.S. payments and presents some opportune
areas that build a case for a good future.
Ather Williams
Managing Director, Bank of America
Rethinking Payments Innovation
Time: 1:50 p.m. – 2:20 p.m.
Level: Advanced
Financial institutions are constantly concerned with the changing pay-
ments 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 stakehold-
ers 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
Managing Director & Head, Global Payments, Citibank N.A.
Payment System Improvement:
Implications for Financial Institutions
Time: 4:30 p.m. – 5:30 p.m.
Level: Advanced
The questions posed in the Federal Reserve’s Payment System Improve-
ment – 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 desti-
nation, 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 dis-
cussions 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-mak-
ing 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 finan-
cial 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
Sponsored byExecutive ForumByInvitationOnly

Buses depart here for the Monday Night
Celebration at CityWalk.
REGISTRATION
Floorplan
Special Events in Crystal J:
First Timers’ Orientation Social
Sunday, April 6
10:45 a.m. - 12:00 p.m. (J1)
Solution Circles
Monday, April 7
7:00 a.m. - 8:00 a.m. (J1)
Spotlight Speaker Series Sessions
Tuesday, April 8 & Wednesday, April 9

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PAYMENTS 2014 Mobile App
CHECK IN AND WIN!
Users of the PAYMENTS 2014 Mobile App will have the chance to
compete for prizes by earning badges and points. Earn these by checking in
to sessions and exhibit booths, adding photos, rating items, commenting,
adding friends, and other activities.
Prizes of $250 each will be awarded to one
of the top 10 users, as of the Tuesday
Evening Reception, and to one of the top
10 users to check-in to the most exhibit
booths during Tuesday exhibit hall
hours. Winners will be announced in
the NACHA booth during the Tuesday
Evening Reception in the exhibit hall.
You must be present to win.
Download the App at
http://doubledutch.me/
download/payments-2014
General Sessions in
the Palms Ballroom:
Monday, April 7
8:15 a.m. - 9:15 a.m.
Industry Agenda
Monday, April 7
2:45 p.m. - 3:45 p.m.
Awards Luncheon
Tuesday, April 8
11:30 a.m. - 1:15 p.m.

Sunday, April 6
Registration Open for Workshop
Participants Only
Time: 11:00 a.m. – 1:00 p.m.
Registration Open for All
Conference Attendees
Time: 1:00 p.m. – 6:30 p.m.
Pre-Conference Workshops Begin
ACH 101
Time: 1:00 p.m. – 3:00 p.m.
Track: Pre-Conference Workshops
Level: Fundamental
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.
Debbie Barr, AAP, CTP
Senior Director, ACH Network Rules Process,
NACHA - The Electronic Payments Association
Gina D. Carter, AAP
AVP, Risk Management, EastPay, Inc.
Understanding Payment Cards
Time: 1:00 p.m. – 3:00 p.m.
Room: Crystal AB
Level: Fundamental
Participants in this workshop gain a comprehensive
understanding of card-based payments. The work-
shop provides insights from the issuing and accept-
ance perspectives on types of cards, applications,
authorization requirements, and evolving regulatory
and technological factors that impact business
decisions.
Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Planning for Disaster Recovery
Time: 1:00 p.m. – 3:00 p.m.
Room: Crystal CD
Level: Intermediate
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.
Gary Kindle
VP, Operations, Elevations Credit Union
Michael Spafford
Disaster Recovery, Business Continuity, EPCOR
@mikess1946
Building a Corporate Fraud
Prevention Toolkit
Time: 1:00 p.m. – 3:00 p.m.
Room: Crystal EF
Level: Intermediate
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.
Jay McLaughlin
SVP & Chief Security Officer, Q2ebanking
@jaymlaughlin
Shirley A. Banks, AAP
Electronic Banking Risk Analyst, Canandaigua National
Bank & Trust
The Legal Structure of Payments
Time: 1:00 p.m. – 3:00 p.m.
Room: Crystal KL
Level: 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.
Azba Habib
Associate Counsel, Federal Reserve Bank of Atlanta
Jeanette Hait Blanco
Senior Product & Regulatory Counsel, PayPal, Inc.
Richard M. Fraher
VP & Counsel to the RPO, Federal Reserve Bank
of Atlanta
International Payments Primer
Time: 1:00 p.m. – 3:00 p.m.
Room: Crystal MN
Level: 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
Jane Hennessy
Global Banking Consultant
Mobile & Digital Payments
Ecosystem
Time: 1:00 p.m. – 3:00 p.m.
Room: Crystal PQ
Level: 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.
Stephen Mott
Principal, BetterBuyDesign
@stevemott
ACH 201
Time: 3:30 p.m. – 5:30 p.m.
Level: Intermediate
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.
Kimberly W. Rector, AAP
Senior Director, Education, MACHA -
The Mid-Atlantic Payments Association
Sean Carter, AAP
VP, Risk & Compliance, NEACH
@liftingemup
Workshops, Sessions and Special Events

Impact of Proposed Prepaid
Access Rules
Time: 3:30 p.m. – 5:30 p.m.
Room: Crystal AB
Level: Fundamental
Rules proposed by the Financial Crimes Enforce-
ment Network (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.
Moderator: Terry Maher
Partner, Baird Holm LLP
Donald J. Mosher
Partner, Schulte Roth & Zabel LLP
Liz Nutting
SVP, Strategic Partnerships & Network Relations,
BofI Federal Bank
ACH Security Procedures on Trial
Time: 3:30 p.m. – 5:30 p.m.
Room: Crystal CD
Level: Intermediate
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.
Fred Laing, II, AAP, CCM
President, Upper Midwest ACH Association
Mary M. Gilmeister, AAP, NCP
President, WACHA - The Premier Payments Resource
Paul A. Carrubba
Partner, Adams & Reese, LLP
ACH Origination: Effective Due
Diligence & Onboarding
Time: 3:30 p.m. – 5:30 p.m.
Room: Crystal EF
Level: Intermediate
ACH origination offers financial institutions lucra-
tive 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 con-
stant reevaluation of onboarding of Originators and
third parties. In this workshop, participants explore
the due diligence process and obtain guidance to
make informed decisions.
John M. Curtis, AAP, NCP
VP, Director of Education & Communications,
Western Payments Alliance
Melissa C. Blair, AAP, CTP
VP & Senior Treasury Management Consultant,
Umpqua Bank
Product Innovation in a
Changing World
Time: 3:30 p.m. – 5:30 p.m.
Room: Crystal KL
Level: Fundamental
How do you creatively rethink product innovation
to succeed amidst regulatory, technological and cul-
tural change? Participants in this workshop experi-
ence hands-on training to drive product innovation
informed by customer perspectives and preferences.
Jeff Lauterer
Manager, Product Operations, Digital Insight
Kimberly Prieto
Group Manager, Business Development, Digital Insight
Become Fluent in the Language
of IAT
Time: 3:30 p.m. – 5:30 p.m.
Room: Crystal MN
Level: Fundamental
Does your financial institution fully grasp the intri-
cacies 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.
Priscilla C. Holland, AAP, CCM
Senior Director, Healthcare Payments, NACHA -
The Electronic Payments Association
Harvesting Big Data for
Positive Impact
Time: 3:30 p.m. – 5:30 p.m.
Room: Crystal PQ
Level: Intermediate
Many large organizations use Big Data to drive rev-
enue, 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 emerg-
ing role of data scientists to succeed.
Nick Nadgauda
Managing Director, Global Head, Payments, Receivables
& Wholesale Cards Technology, Citibank N.A.
Stacy Rosenthal
Business Manager, SWIFT
Workshops Conclude at 5:30 p.m.
Enjoy your evening with friends and colleagues.
Use the Mobile App to find and meet up with
other attendees!
Chairperson's Leadership
Reception
By invitation only.
Time:
5:00 p.m. - 6:30 p.m.
Location to be commuicated via invitation.
AAP Reception
By invitation only.
Time:
6:30 p.m. - 7:30 p.m.
Location to be communicated via invitation.
Sunday, April 6
SUNDAY
Sponsored by
Sponsored by

Banking on Artificial Intelligence
Location: Palms Ballroom
Time: 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 indus-
try, organizations will live and die by their ability to
translate big data into decisive, actionable insights
in the midst of an ever-increasing competitive land-
scape, 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
Chief Scientist, Professor,
Artificial Intelligence Expert,
Narrative Science
CONCURRENT SESSIONS BEGIN
U.S. Smart Card Migration:
Ready or Not, Here It Comes!
Time: 9:30 a.m. – 10:30 a.m.
Room: Crystal G
Track: Card-Based Opportunities
Level: 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.
Moderator: Claudia S. Swendseid
Senior Vice President, Federal Reserve Bank of
Minneapolis
Margot Carter
SVP & Senior Product Manager, Bank of America
Merrill Lynch
Randy Gibbons
Manager, Payment Strategies, Southwest Airlines
Rue A. Jenkins
AVP, Treasury, Costco Wholesale
Holistically Managing High-Risk
Origination
Time: 9:30 a.m. – 10:30 a.m.
Room: Crystal H
Track: Risk, Compliance &
Fraud Prevention
Level: 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 com-
mitment across the organization. Participants in this
session learn from the experience of a financial insti-
tution that has adopted a holistic approach. Hear
what constitutes high risk and the types and magni-
tude 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
Linda Hogan
Vice President, PNC Bank
Norman Harkleroad
Senior Vice President, PNC Bank
Real-Time, Rich-Data Payments:
The Australian Experiment
Time: 9:30 a.m. - 10:30a.m.
Room: Crystal A-C
Track: World Payments Viewpoint
Level: Advanced
The world over, four main pressures impact
automated payment systems: user expectations for
instant, flexible payments tailored and automated
to their diverse needs; regulator expectations for
competition and innovation as well as safety and
efficiency; emerging challenges from alternative
channels; and aging payments network infrastruc-
ture. In Australia, a novel response is under con-
struction: a “New Payments Platform” built by and
for the payments community that is ubiquitous, yet
promotes competition and diversity in payments
networks and services. This session explores the
rationale and implications of such a unique
approach and why the Australian payments
community hopes it will tick all the boxes.
Christopher Hamilton
Chief Executive Officer, Australian Payments Clearing
Association Limited
George Throckmorton
Managing Director, Advanced Payments Solutions,
Monday, April 7
Registration Open
Time: 7:00 a.m. – 5:30 p.m.
Continental
Breakfast
Time:
7:00 a.m. – 8:00 a.m.
Location: Crystal Ballroom Atrium
Solution Circles
Time:
7:00 a.m. – 8:00 a.m.
Location: Crystal J1
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.
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?
• Virtual Currencies: Are They Here to Stay and
Why Should I Care?
Sessions and Special Events
MONDAY
Sponsored by
Sponsored by

Best Practices in Establishing
Automated Origination & Tracking
Time: 9:30 a.m. – 10:30 a.m.
Room: Crystal D-F
Track: Corporate Payments Solutions
Level: 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). Partic-
ipants in this session learn how STP can be achieved
through the integration of the proper level and type
of payment tracking information, minimizing man-
ual 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
Laurie White
Project Manager, Enterprise Information Services
Applications, Harris Corporation
Serving the Financially Underserved:
The Value Proposition
Time: 9:30 a.m. – 10:30 a.m.
Room: Crystal K-M
Track: Payments Strategies
Level: 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. Partici-
pants in this session learn what consumer and indus-
try 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 offers
an overview of a comprehensive suite of under-
banked products.
Deborah Matthews Phillips, AAP
Director, Payments Strategies, Jack Henry & Associates
Eva Wolkowitz
Analyst, Insights and Analytics, Center for Financial
Services Innovation
Timothy Thorson, AAP, CTP
VP & Manager, ACH Operations, Regions Financial
Corporation
Monday, April 7
Risk Management for Mobile
Remote Deposit Capture
Time: 9:30 a.m. – 10:30 a.m.
Room: Crystal N-Q
Track: Mobile Banking & Payments
Level: Intermediate
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.
David Brock
President & CEO, Community Credit Union
Paul Phillips
Attorney, Adams & Reese, LLP
SEPA — The Buzz After Three
Months Live
Time: 9:30 a.m. – 10:30 a.m.
Room: Grand 9-10
Level: Fundamental
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 that past decade.
Three months after the deadline for full implemen-
tation 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.
Etienne Goosse
Secretary General, European Payments Council (EPC)
Michael Steinbach
CEO & Chairman, Board of Directors, Equens SE
Automating Healthcare Payments:
Updates from an Evolving Industry
Time: 9:30 a.m. – 10:30 a.m.
Room: Grand 11-12
Track: The ACH Network & the
NACHA Operating Rules
Level: Intermediate
The healthcare industry has experienced a transfor-
mation as it transitions to electronic payments and
complies with the Affordable Care Act (ACA).
Against the backdrop of 1.3 billion claims, partici-
pants in this session learn about the industry’s reac-
tion 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 seam-
less electronic payments and remittances.
Erin Richter Weber
CORE Senior Manager, CAQH
Mona Reimers
Director, Revenue Services, Ortho NorthEast
Mobile ACH Payments:
A Post-Durbin Opportunity
Time: 9:30 a.m. – 10:30 a.m.
Room: Grand 13-14
Level: Advanced
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 cen-
tral to these retail payments and cultivate new, unre-
alized revenue. Participants in this session hear how
financial institutions in the U.S. can apply lessons
from abroad to make the ubiquitous and cost-effec-
tive ACH system here an even greater source of
value to consumers, merchants and their own
bottom lines in a mobile world.
Lanny Byers
Managing Director, Consult Hyperion
@lannybyers
MONDAY

Five Steps to Optimizing Payables &
Growing Financial Returns
Time: 9:30 a.m. – 10:30 a.m.
Room: Canary 1-2
Level: Intermediate
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.
Miguel Rodriguez
Regional Director, Paymode-X, Bottomline
Technologies, Inc.
Wayne Zeiler
Director, Financial and Management Reporting, ITG
@WayneZeiler
Deposit Account Takeover:
The Legal Landscape
Time: 9:30 a.m. – 10:30 a.m.
Room: Canary 3-4
Fraud Prevention
Level: Advanced
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.
Barkley Clark
Partner, Stinson Leonard Street LLP
Mark Hargrave
Partner, Stinson Leonard Street LLP
Refreshment Break
and Exhibit Hall
Grand Opening
Time:
10:30 a.m. – 11:15 a.m.
Educational Session in the Exhibit Hall
Customized Relationship Solution
Case Study: Fundtech & MetLife
Time: 10:35 a.m. – 11:05 a.m.
Room: PAYMENTS 3D Theater
Track: Exhibit Hall Education Sessions
Level: Intermediate
MetLife Inc. is among the largest global providers
of insurance, annuities, and employee benefit
programs, with 90 million customers in over 60
countries. In 2009, MetLife’s Corporate Treasury
and IT teams worked closely with Fundtech’s
Service Bureau and its banks to evaluate the benefits
of connecting to SWIFT. In this session hear directly
from MetLife about how they worked with Fundtech
to further improve their treasury operations.
Participants in the session gain an understanding of
why the collaboration was successful, how it enabled
better customer service while allowing for significant
cost savings, and how MetLife is now able to reach
2 percent of their banking counter parties.
Robert Jackson
Senior Banking Consultant, MetLife
Monitoring for Abusive ACH Debit
Practices
Time: 11:15 a.m. – 12:15 p.m.
Room: Crystal G
Fraud Prevention
Level: 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, identify-
ing trends and taking steps to minimize abusive
practices. Recent and ongoing proposals and initia-
tives to help RDFIs ensure the continued, positive
reputation of the ACH Network are discussed.
Alicia Treadway, AAP, CTP
First Vice President, Treasury & Payment Solutions,
SunTrust Bank
Beth Anne Hastings
Vice President, J.P. Morgan
Recent Developments in Electronic
Payments Law
Time: 11:15 a.m. – 12:15 p.m.
Room: Crystal H
Level: Intermediate
Staying abreast of the numerous and often complex
developments in the legal and regulatory framework
surrounding payments can be daunting and under-
standing 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.
Jane E. Larimer
EVP, ACH Network Administration, General Counsel,
Jane K. Winn
Professor of Law, University of Washington
Meeting Small Business Customer
Needs with an Integrated Business
Banking Solution
Time: 11:15 a.m. – 12:15 p.m.
Room: Crystal A-C
Level: 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.
Christine Barry
Research Director, Aite Group
John Balose
Principal Market Manager, ACI Worldwide
Meggin Nilssen
Vice President, Treasury Management Sales, Bank of
Blue Valley
Monday, April 7
MONDAY
Sponsored by

A B2B Payments Success Story
Time: 11:15 a.m. – 12:15 p.m.
Room: Crystal D-F
Level: 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
@AlanDupreeFRB
Anita S. Patterson, CTP
Director, Treasury Services, Cox Enterprises, Inc.
John A Fabrizio, CTP
SVP, Treasury Management Sales Consultant,
Wells Fargo
@johnfabz
Mash Up at the POS: Transforming
the Retail Experience
Time: 11:15 a.m. – 12:15 p.m.
Room: Crystal K-M
Level: Intermediate
Retailers, advertisers, card networks and terminal
manufacturers are investing heavily in changing the
commerce experience, leveraging mobile technol-
ogy, 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 environ-
ment and coherent strategies to compete. Partici-
pants 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: 11:15 a.m. – 12:15 p.m.
Room: Crystal N-Q
Fraud Prevention
Level: Advanced
A new fraud scheme targets business associates of
financial institution customers. A fraudster com-
promises 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 low-tech factors to authenticate payment
requests and use cases for implementing these
factors.
Devon Marsh
SVP, Treasury Management & Internet Services Risk &
Compliance, Wells Fargo
Cross-Border P2P: Embracing
Change
Time: 11:15 a.m. – 12:15 p.m.
Room: Grand 9-10
Level: Advanced
Many treasurers find cross-border payments
confusing, inefficient and expensive, particularly
with new regulatory compliance and associated
costs. However, these payments carry great opportu-
nity, 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 protec-
tion 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.
Jon Budd
Senior Vice President, Sales, LendingTools.com
Jorge Jimenez
Director, Retail Payments Office, Federal Reserve Bank
of Atlanta
@JorgeJimenezUSA
Sean Carter, AAP
VP, Risk & Compliance, NEACH
@liftingemup
Customer Research: Small Business
Owner Views on Payment Options
Time: 11:15 a.m. – 12:15 p.m.
Room: Grand 11-12
Level: Intermediate
Understanding how small business clients view
electronic payments is critical 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 e-Check
option, and how they perceive the “anytime,
anywhere” promise.
Christopher Clausen
Director, North American Payments & Transactional
Solutions, Deluxe Corporation
Benefits of Bank Co-Opetition
Time: 11:15 a.m. – 12:15 p.m.
Room: Grand 13-14
Level: 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.
Bobby Carney
Director, Citibank N.A.
@bobcar68
Joyce O’Connor
Vice President, State Street Corporation
@jocpayments
Monday, April 7
MONDAY

Adapting Lessons from Retail
Payment Security for Commercial
Clients
Time: 11:15 a.m. – 12:15 p.m.
Room: Canary 1-2
Fraud Prevention
Level: 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 imple-
ment to successfully transition different commercial
client segments to modern payment security
solutions, while controlling costs and maintaining
strong customer satisfaction.
Alphonse Pascual, CFE
Senior Analyst, Security, Risk & Fraud, Javelin Strategy
& Research
Chuck Rogers
Vice President, Greenwich Associates
Developing an Open Standard to
Protect Customer Account
Information
Time: 11:15 a.m. – 12:15 p.m.
Room: Canary 3-4
Level: Intermediate
In light of the growing threats of cyber attacks and
data breaches, financial institutions and merchants
strive to ensure sensitive account information is
secured and consumer confidence maintained.
As customers shift from physical plastic cards toward
digital payments, new approaches are required to
secure against new generations of cybercriminals.
This session examines current industry efforts to
detect and mitigate against advanced cyber threats
and reviews technologies to protect sensitive
consumer account data. Attendees learn about
specific initiatives including the cybersecurity
partnership and the Secure Token Exchange effort.
David Fortney
SVP, Product Development & Management,
The Clearing House
@davefortney
John Carlson
Executive Vice President, BITS, Financial Services
Roundtable
Networking Lunch in
the Exhibit Hall
Time: 12:15 p.m. – 1:30 p.m.
The Payments Map: A Profit Pools
Model for the Payments Industry
Time: 12:45 p.m. – 1:15 p.m.
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
Keeping the Bank Account at the
Center of Payments
Time: 1:30 p.m. – 2:30 p.m.
Room: Crystal G
Level: 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 con-
sumers 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.
Moderator: Samantha Carrier
Senior Director, Advanced Payments Solutions,
Casey H. Wilcox
SVP, Head of Payables & International Product
Management, Capital One
Dr. Leo J. Lipis
Managing Director, Lipis & Lipis GmbH
@llipis
Mary Ann Francis
Executive Advisor, Wipro, LTD
Monday, April 7
MONDAY
Sponsored by

Strategic Perspectives on Serving
the Unbanked & Underbanked
Time: 1:30 p.m. – 2:30 p.m.
Room: Crystal H
Level: 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 conjunc-
tion with the Social System Design Lab at Washing-
ton University in St. Louis undertook a study to
understand what decisions made St. Louis house-
holds use or not use financial institutions. Partici-
pants 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.
Moderator: Ann-Marie Bartels, AAP
Chief Executive Officer, EPCOR
Paul Woodruff
VP, Community Development, St. Louis Community
Credit Union
Suzanne Hough
Community Development Officer, Carrollton Bank,
Illinois
Yvonne S Sparks
AVP & Community Development Officer, Federal
Reserve Bank of St. Louis
Advancements in Mobile Payment
Technologies & Authentication
Time: 1:30 p.m. – 2:30 p.m.
Room: Crystal A-C
Level: Intermediate
A myriad of technologies have emerged to support
mobile payments including competing technologies
such as NFC, QR codes and sound wave. Wide-
spread 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 para-
mount importance for online transactions. Multi-
factor 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. Partici-
pants in this session learn about the latest develop-
ments in technologies supporting mobile payments
and efforts to promote secure transactions using
dynamic authentication.
Moderator: Maria T. Arminio
President & CEO, Avenue B Consulting, Inc.
@marmiABC
Peter Tapling
President & CEO, Authentify, Inc
Wade Edwards
Senior Vice President, Sales, Mobile Authentication
Corporation
Virtual Identity, Anonymous
Payments & the Shadow Internet
Time: 1:30 p.m. – 2:30 p.m.
Room: Crystal N-Q
Fraud Prevention
Level: Advanced
Virtual identity, social media and ubiquitous connec-
tivity are reshaping the world and a new paradigm of
perceived anonymity has emerged. This phenome-
non 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 Lib-
erty 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
Director, Identities & Payments, Agilex
Smart Approaches to Reach Smart-
Enabled Customers
Time: 1:30 p.m. – 2:30 p.m.
Room: Grand 9-10
Level: Intermediate
With an average of 3.5 credit cards plus two other
accounts, and increasingly equipped with smart
mobile devices with numerous payment and com-
merce apps, consumers are on the go an ready to
transact. To get past the noise of the countless e-
Mail offers and mobile alerts, new capabilities sup-
ported by the latest versions of the Apple iPhone
and Google Nexus enable merchants to couple Blue-
tooth 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.
Matthew A. Goldman
Co-Founder & CEO, Wallaby Financial
@magoldman
Lessons in Disaster Recovery: A
Corporate & Financial Institution
Partnership
Time: 1:30 p.m. – 2:30 p.m.
Room: Crystal D-F
Fraud Prevention
Level: 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 citi-
zens 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.
Adi Raviv
EVP & CFO, Strategic Funding Source, Inc.
Colleen J. Taylor, CCM
EVP, Head of Treasury Management & Enterprise
Payments, Capital One
Beyond EMV: Security Through
Analytics
Time: 1:30 p.m. – 2:30 p.m.
Room: Crystal K-M
Level: Intermediate
By leveraging multiple sources of data including
deposit activity, card activity and ATM transactions,
high profile card issuers can efficiently and accu-
rately pinpoint compromised accounts. Participants
in this session learn how new analytics go beyond
EMV to reveal a more comprehensive profile of con-
sumer activity. The alternative security approach
offers benefits to financial institutions, merchants
and consumers.
Robert Hill
VP, Market Strategy, Early Warning Services, LLC
Timothy A. Webb
SVP & Director Everyday Banking Fraud Management,
RBS Citizens Bank
Monday, April 7
MONDAY

Empowering Customers with Billing,
Payment & Usage Alerts
Time: 1:30 p.m. – 2:30 p.m.
Room: Grand 11-12
Level: 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.
April Bingham
Customer Service Manager, Billing, DC Water
Phil Spradlin
Product Marketing Manager, ACI Worldwide
2014: The Year to Clean Up
Consumer Bill Payment
Time: 1:30 p.m. – 2:30 p.m.
Room: Grand 13-14
Level: 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 bank-
ing and related third party channels. Over the years,
banks and third parties have developed practices to
help mitigate exceptions, but 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
Brandee Bevan
Director, Payment Services, Capital One
Kathy Romano
Executive Director, Bill Print, Payment & AR
Operations, Verizon
Steve Hooper, AAP, CTP
SVP, Payment Strategy, iPay Solutions
Walking the Fine Line of Innovation
in Payments
Time: 1:30 p.m. – 2:30 p.m.
Room: Canary 1-2
Level: 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.
John Wilson, CTP
Vice President, Retail & Commercial Payment Solutions,
FIS
Uma Wilson, AAP, CTP
SVP & Director, Product Management & Development,
UMB Bank, n.a.
State Licensing Issues for
ACH-Based Payment Products
Time: 1:30 p.m. – 2:30 p.m.
Room: Canary 3-4
Fraud Prevention
Level: Intermediate
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.
David E. Teitelbaum
Partner, Sidley Austin LLP
INDUSTRY AGENDA
Gamifying Financial Services:
The Millennials, Gen X &
Institutions
Location: Palms Ballroom
Time: 2:45 p.m. – 3:45 p.m.
Everything we know about
the financial services
industry 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
Refreshment Break in the
Exhibit Hall
Time: 3:45 p.m. – 4:30 p.m.
Monday, April 7
Sponsored by
MONDAY

How to Improve Your Organization’s
Social Media Profile
Time: 3:50 p.m. – 4:20 p.m.
Level: Intermediate
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-mov-
ing internet world can these platforms continue to
serve over the long haul, and what will be the next
platform? Participants in this sessions hear directly
from a Social Media Strategist on how the next gen-
eration of social media can help foster your organiza-
tions profile.
Shannon Paul
VP, Social Media, Fifth Third Bank
Data Monetization in the Payments
Industry
Time: 4:30 p.m. – 5:30 p.m.
Room: Crystal G
Level: Intermediate
The payments industry continues to be ripe for dis-
ruptive 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 monetiz-
ing data into discreet revenue streams.
Nathan Hilt
Product Director, PwC (PricewaterhouseCoopers LLP
Dimpsy Teckchandani
Director, PwC (PricewaterhouseCoopers LLP))
Leveraging Mobile to Bring Financial
Services to the Underbanked
Time: 4:30 p.m. – 5:30 p.m.
Room: Crystal D-F
Level: Intermediate
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 con-
tribute 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 combating poverty.
Moderator: Andrew Tilbury
Chief Marketing Officer, Bluepoint Solutions
Richard Campbell
Chief Financial Officer, HOPE Credit Union
Scot Slay
Vice President & Marketing & Communications
Director, HOPE Credit Union
Increasing Customer Engagement
in Authentication
Time: 4:30 p.m. – 5:30 p.m.
Room: Crystal K-M
Level: 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.
Bruce Poore
Senior Vice President, Financial Institution Services,
CardinalCommerce Corporation
Michael A. Keresman III
Chief Executive Officer, CardinalCommerce
Corporation
Monday, April 7
The Gatekeeper Paradigm
Time: 4:30 p.m. – 5:30 p.m.
Room: Crystal H
Fraud Prevention
Level: Advanced
The payments system in the U.S. relies upon finan-
cial institutions to serve as gatekeepers. Regulations
and payment system rules require financial institu-
tions 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 pay-
ment system, participants in this session hear pan-
elists 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.
Moderator: Alaina Gimbert
SVP & Associate General Counsel, The Clearing House
Joe W. Hussey
Executive Director, J.P. Morgan
Monica Vaca
Assistant Director, Division of Marketing Practices,
Federal Trade Commission
Paul K. Holbrook
Associate General Counsel, HSBC Bank USA, N.A.
Richard W. Burke, Jr., CCM
EVP, Corporate Products & Services, TD Bank, N.A.
Mobile Bill Payment & Presentment
(MBPP) Insights for Billers
Time: 4:30 p.m. – 5:30 p.m.
Room: Crystal A-C
Level: Intermediate
Adoption of mobile bill payment doubled last year
and yet only one-third of companies 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 techno-
logical changes, it requires companies in all indus-
tries 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
Director, Research, Blueflame Consulting, LLC
@EdBtext
Eric Leiserson
Senior Research Analyst, Fiserv
MONDAY

The Case for Debit Card
Remittance
Time: 4:30 p.m. – 5:30 p.m.
Room: Crystal N-Q
Level: Intermediate
The Durbin Amendment has fundamentally
changed the revenue model on interchange for
financial institutions. The change also brings about
opportunities to enhance customer payment chan-
nels and capabilities. 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 customer segments.
Brandee Bevan
Director, Payment Services, Capital One
Brett Dickey
Card Payment Analysis & Services, Capital One
Ryan Cope
Expert, McKinsey & Company
The Changing Face of Cross Border
Payments
Time: 4:30 p.m. – 5:30 p.m.
Room: Grand 9-10
Level: 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
inter-connected world.
Kunal Bist
Cross Border Payments Product Manager,
North America, Citibank N.A.
The Apps Have It: Accelerating Cash
Flow for Small Business
Time: 4:30 p.m. – 5:30 p.m.
Room: Grand 11-12
Level: 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.
Brian Collins
SVP, eBanking & Payments Services Director,
Enterprise Bank
Vicki O’Connor
VP, Product Management Business Services, Fiserv
Crystal Low
SVP, Sales Manager, Treasury Management,
Zions Bank
Corporate Priorities for Payments
Time: 4:30 p.m. – 5:30 p.m.
Room: Grand 13-14
Level: 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.
Moderator: David C. Robertson
Partner, Treasury Strategies, Inc.
@globalbanking
Anita S. Patterson, CTP
Director, Treasury Services, Cox Enterprises, Inc.
@globalbanking
Daniel W. Ellecamp, AAP, CTP
Treasury Consultant, AAA NCNU
Rue A. Jenkins
AVP, Treasury, Costco Wholesale
Tips for Cutting Edge ePayments &
eRemittance Solutions
Time: 4:30 p.m. – 5:30 p.m.
Room: Canary 1-2
Level: 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 first-
hand 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 all-volunteer, grassroots Remittance Coalition to
overcome barriers and educate B2B trading partners
are discussed.
Moderator: Claudia S. Swendseid
Senior Vice President, Federal Reserve Bank
of Minneapolis
Carole M. Hunt
Assistant Treasurer, Director, Ameren Services Center,
Ameren Services
Sandra Roth
Manager, Trade Financial Management, Johnson &
Johnson
Leveraging the ACH Network for
P2P Payments
Time: 4:30 p.m. – 5:30 p.m.
Room: Canary 3-4
Level: Intermediate
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.
Moderator: Kathy Levin, AAP
Senior Director, Advanced Payment Solutions,
Louise C. Clynes
Group VP, Money Movement Products & Digital
Channel Management, SunTrust Bank
Terri P. Sands, AAP
SVP, Payments Oversight & Fraud Management,
State Bank & Trust Company
Monday, April 7
MONDAY

MONDAY
Co-Sponsored by
Monday, April 7
Time: 6:30 p.m. – 8:30 p.m.
Buses depart in front of the
World Center Marriott. 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®
(hosted by ACI Worldwide) 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! Shuttles will depart
from the Convention Center Entrance at the
Marriott, directly across from Registration.
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.
Social Media Tips for PAYMENTS 2014
PAYMENTS2014 is social media friendly, allowing conference goers to connect with
one another in person and online. Follow the event hashtag to gain additional insights from
fellow attendees and to stay up to date on the latest conference happenings. And be sure to
tweet your pictures, feedback and questions to the official PAYMENTS 2014 Twitter
account: @NACHA_PAYMENTS
Conference hashtag: #PAYMENTS2014
Conference Twitter account: @NACHA_PAYMENTS
PAYMENTS 2014 LinkedIn group: http://bit.ly/PAYMENTS2014
Sample tweets:
I’m heading to a session about ___________ at #PAYMENTS2014!
I can’t wait to see ____________ speak about ________ today. #PAYMENTS2014
Was so glad to see ___________ at tonight’s #PAYMENTS2014 networking event.

Tuesday, April 8
TUESDAY
Registration Open
Time: 7:30 a.m. – 5:30 p.m.
Continental Breakfast
Time: 7:30 a.m. – 8:00 a.m.
Location: Crystal Ballroom Atrium
Are Bank Innovations Meeting
Salient Consumer Needs?
Time: 8:00 a.m. – 9:00 a.m.
Room: Crystal J
Track: Spotlight Speaker Series
Level: Advanced
In a candid conversation about retail banking
innovation, this distinguished panel takes a critical
look at 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 survey research tracking
consumer financial behavior and payment habits.
The proprietary data goes beyond public informa-
tion, is geographically and seasonally adjusted, and
includes timely details on U.S. consumer bill pay-
ment methods, economic circumstances, use of
credit cards, and banking relationships. The latest
trends and true drivers of changes in payment habits
can be derived from this data, providing answers to
such all-important strategic questions as: Are bank
innovations meeting salient consumer needs? Are
they leading to more profitable customer behavior?
How can banks create value through self-service
channels (mobile banking)?
Moderator: David C. Stewart
Senior Expert, McKinsey &
Company
Robert Steen
Chief Executive Officer, Bridge
Community Bank
Dominic Venturo
Chief Innovation Officer, Payment
Services, U.S. Bank
Using Artificial Intelligence to
Improve Your Compliance Processes
Time: 8:00 a.m. – 9:00 a.m.
Room: Crystal H
Fraud Prevention
Level: Advanced
Although financial institutions have had fraud and
anti-money laundering (AML) control programs in
place for quite some time, they are under enormous
pressure to conform to strict regulatory requirements.
Of growing concern, for example, is the sheer num-
ber of Suspicious Activity Reports (SARs) that must
be filed in a complete, sufficient and timely manner.
This session explores how global financial institu-
tions are using artificial intelligence to improve
compliance processes, meet regulatory reporting
requirements, and free up scarce resources to focus
on strategic investigatory work. Participants hear
case studies of how automated SAR reporting has
helped a large global remittance company accelerate
filing processes and reduce risk, in addition to how a
corporate compliance team has been able to identify
patterns of behavior and areas of risk driven by
business rules and best practices, leading to improved
employee and vendor fraud risk management.
Kris Hammond
Chief Scientist, Professor, Artificial Intelligence Expert,
Narrative Science
Case Study: Automating Renewals
of ACH Origination Agreements
Time: 8:00 a.m. – 9:00 a.m.
Room: Crystal A-C
Level: Advanced
Automating renewals of ACH origination agree-
ments 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 ful-
fill 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.
Joseph Casali, AAP, NCP
Vice President, NEACH
@jcasali
Ravi Vakacherla
First Vice President, Treasury Management & Digital
Channels, People’s United Bank
Enterprise Risk Management in
Today’s Global Business Landscape
Time: 8:00 a.m. – 9:00 a.m.
Room: Crystal D-F
Fraud Prevention
Level: Advanced
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 frame-
work for global money movement and compliance;
encompassing the development process to the iden-
tification of risks from operational, legal and compli-
ance, information technology, strategy and financial
and reporting perspectives.
Kristin S. Walle, AAP, CTP
VP, Global Money Movement & Compliance,
ADP, Inc.
Whatever You Do, Wherever You
Go Somebody is Watching You
Time: 8:00 a.m. – 9:00 a.m.
Room: Crystal K-M
Level: 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 transac-
tion 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 Chaudry
Director, Global Mobile Payments, Citibank N.A.
Sarab Sokhey
Executive Advisor, Verizon Wireless
Sébastien Taveau
Chief Evangelist, Synaptics, Inc.
@frogtwitt

Tuesday, April 8
TUESDAY
The Intersection Between Payment
Risk Management & BSA/AML
Compliance
Time: 8:00 a.m. – 9:00 a.m.
Room: Crystal N-Q
Fraud Prevention
Level: Advanced
In many financial institutions, payment risk
management and BSA/AML compliance responsi-
bilities 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 func-
tions. Attendees will learn how FIs can best coordi-
nate these activities to reduce the risk of litigation
and financial penalties.
Moderator: Elliott C. McEntee
President & CEO, Payment Advisory Service
BJ Lewis, CPA, CRCM, CIA
VP, Product Development, Laru Technologies
Diane Blangsted
SVP, BSA & Senior Compliance Officer, Independent
Bankers Bank of Florida
Case Study: Bringing Payment
Processing Technology Full Circle
Time: 8:00 a.m. – 9:00 a.m.
Room: Grand 9-10
Level: 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 redun-
dancy, and cumbersome employee and customer
training. In this session attendees hear how financial
institution transcended siloes to enable the process-
ing of all payment types through a single payment
hub, and how this afforded it redundancy elimina-
tion, improved customer service, and a more
efficiency use of resources and expertise.
Debbie Smart, CTP, NCP
SVP, Product Management, Aptys Solutions
Wendy Stanford, AAP
Senior Vice President, Operations, Bankers' Bank
Same Day ACH: Lessons &
Perspectives from Other
Geographies
Time: 8:00 a.m. – 9:00 a.m.
Room: Grand 11-12
Level: Advanced
Same-Day ACH continues to be debated amongst
industry players in the U.S. as a must-have capabil-
ity. As work continues here to make it a reality,
experiences from payment systems in other geogra-
phies 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
U.S. in the global payments arena.
Liz Oakes
Principal Advisor, Payments & Transaction Banking,
KPMG
Rene Pelegero
President & Managing Director, RPGC Group LLC
Adoption of ISO 20022 Standards in
the Global Payments Markets: What
is the U.S. Doing?
Time: 8:00 a.m. – 9:00 a.m.
Room: Grand 13-14
Level: Advanced
Key global markets are implementing ISO 20022
messaging standards in their payments market infra-
structures. 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 con-
clusions 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.
Richard Dzina
Senior Vice President, Federal Reserve Bank of
New York
Roy C. DeCicco, CCM
Managing Director, J.P. Morgan
Russ Waterhouse
EVP, Product Development & Strategy,
The Clearing House
Refreshment Break in the
Exhibit Hall
Time: 9:00 a.m. – 10:00 a.m.
Time: 9:05 a.m. - 9:45 a.m.
Visit the PAYMENTS 3D Theater and get
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
industry innovations and challenges. See demos, ask
questions and talk directly to these trailblazers.
Ripple Labs
Narrative Science
Sonavation AXISKEY
The Disruptors: Challenging the
Banking Status Quo
Time: 10:00 a.m. – 11:15 a.m.
Room: Crystal G
Level: Intermediate
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 relation-
ships financial institutions have with their customers
or members. Participants in this session obtain a
detailed picture of the disruptors in banking and pay-
ments and the impact new entrants are having and
hear why disruptive innovations are necessary and
critical to advancing the digital banking status quo.
Gary Greenwald
Managing Director, Digital Money Services, Citibank
N.A.
Jacob Jegher
Senior Analyst, Celent, LLC
Yaron Samid
Chief Executive Officer, BillGuard

Legal & Regulatory Environment for
the Electronic Payment Order
(EPO)
Time: 10:00 a.m. – 11:15 a.m.
Room: Crystal H
Fraud Prevention
Level: 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.
Moderator: Richard M. Fraher
VP & Counsel to the RPO, Federal Reserve Bank
of Atlanta
Duncan Douglass
Partner, Alston & Bird LLP
Stephanie Martin
Associate General Counsel, Board of Governors of the
Federal Reserve System
Thomas A. Fox
Partner, Schwartz & Ballen LLP
Payments Going Global: Insights into
a Changing Landscape
Time: 10:00 a.m. – 11:15 a.m.
Room: Crystal A-C
Level: 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 chal-
lenges, 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
The Road to eReceivables: From
Outsourced Lockbox to Electronic
Payments
Time: 10:00 a.m. – 11:15 a.m.
Room: Crystal D-F
Level: Intermediate
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 success-
fully 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
Chief Marketing Officer, Transactis, Inc.
Laurie Olson
Product Manager, Wells Fargo
Building the 3D Global ACH Puzzle
Time: 10:00 a.m. – 11:15 a.m.
Room: Crystal K-M
Level: Intermediate
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 them 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.
Nancy Atkinson, CCM
Senior Analyst, Aite Group
@nancyaite
Paula J. Rowe
VP & Senior Product Manager, PNC Bank
Rossana F. Salaris, AAP
Director, Payment Strategy, Dovetail
Clarifying Third Party Roles &
Responsibilities
Time: 10:00 a.m. – 11:15 a.m.
Room: Crystal N-Q
Level: 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. Partici-
pants in this session learn more about the roles and
responsibilities of third parties in ACH transactions
so that all participants have a common understand-
ing of their respective obligations.
Moderator: Pamela T. Rodriguez, AAP, CIA,
CISA
Executive Vice President, EastPay, Inc.
Amy Leslie, AAP
VP & ACH Product Manager, J.P. Morgan
Suzanne Rodman
SVP & Director, Operations, CNLBank
Payments Collection Success Story:
A Win/Win Proposition
Time: 10:00 a.m. – 11:15 a.m.
Room: Grand 9-10
Level: 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 con-
sumers/taxpayers with payments options. Consumer-
facing 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, Product Management & Development,
UMB Bank, n.a.
Tuesday, April 8
TUESDAY

PAYMENTS 2014 On Site Guide

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