Monday in Detail

Monday, May 19

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Session 95
Monday Continental Breakfast
Monday, 7:00 a.m. - 8:00 a.m.
Room: Grand Ballroom Prefunction

Session 97
The New Expense Management Using ACH & Card
Monday, 8:00 a.m. - 9:00 a.m.
Corporate Payments Solutions
Room: 101-102

You think of corporate credit cards for T&E, vehicle expenses, maybe even purchasing, but have you ever thought of using cards to replace employee expense reports? Corporate credit cards can replace paper on the front end of transactions by eliminating petty cash requests and purchase orders. They also can replace paper on the back end of transactions with electronic reporting systems that automatically reimburse expenses by ACH credits and collect personal charges by ACH debits. In this session, you hear a question and answer discussion by a panel of corporate practitioners who have leveraged corporate credit card programs in their migration from paper to electronic. Hear how cards have helped their companies reinvent their expense payment, tracking and reimbursement processes. Learn what value-added services you should look for in selecting a corporate credit card program.

Speakers:
Mary W. Mazzochi
Senior Vice President, Wells Fargo
Rachel Cahn
Director, Financial Reporting & Analysis, Director, Financial Reporting & Analysis

Session 98
International Payments - The Changing Landscape
Monday, 8:00 a.m. - 9:00 a.m.
Global Focus
Room: 104-105

International trade is growing rapidly as more companies source goods and services overseas. In terms of volume, international payments are estimated to represent approximately 8% of total payments and they will continue global growth at a rate of 10.2% annually. As nations' economies become increasingly interdependent through trade and investment and as funds and people become more mobile globally, the need to move money across borders efficiently, securely, inexpensively and in a timely way intensifies. Using compeling statistics and trends, speakers discuss the five most significant influences of international payments which include: government-led initiatives and mandates like SEPA; the upswing in outsourcing driving operational efficiencies; emerging transnational systems reducing the dependency on corresponding networks for payment; the increase in managing security of risk and liquidity management; and the expansion of multinational banks and corporations. Shifts in payment trends, such as remittance and open account trade payments, are also discussed.

Speakers:
Ralph Dangelmaier
President, Americas, ACI Worldwide
Debbie Smart CTP
Senior Product Consultant, ACI Worldwide

Session 99
Latest Trends In Remote Deposit Capture
Monday, 8:00 a.m. - 9:00 a.m.
Check Electronification
Room: 106-107

Remote deposit capture is one of the fastest growing receivables management tools ever introduced. With first generation systems successfully deployed in corporations, small businesses and banks around the globe for the deposit of USD items, what is on the horizon for this technology as it approaches maturity? Presenters examine the trends, opportunities and challenges for the next generation of RDC and how they impact the growth of check electronification at the point of capture. Attendees learn about coupon scanning, pre-filled data fields and flat-bed scanners for lowest volume applications. The ability to capture discretionary deposit data for use in posting to create a "lockbox in a box" is examined and real-world experiences of companies that are utilizing the new technologies are presented.

Speakers:
Micki Burciaga
VP, Product Manager, Wells Fargo
Charles Laing, Jr.
CFO, Director Real Estate Property Mgmt., DSL Construction Corporation

Session 100
Best Practices in ACH Risk & Compliance Management
Monday, 8:00 a.m. - 9:00 a.m.
Automated Clearing House
Room: 109-110

The scope and volume of ACH payments has increased significantly, in turn increasing the risks banks face from operational failure, credit defaults and fraud. In response, regulatory agencies have expanded the scope of ACH regulations and intensified their expectations as to the rigor of internal controls, governance processes and MIS. Presenters in this session provide a practical approach to identifying, quantifying and managing ACH risks and compliance requirements.

Speakers:
Donald S. Jackson AAP, CTP
SVP, Senior Product Manager, First Tennessee Bank
David C. Robertson
Partner, Treasury Strategies

Session 101
From the Front Lobby to the Back Office- Practical Tips in Building a Successful Remittance Program
Monday, 8:00 a.m. - 9:00 a.m.
Global Focus
Room: 201-202

As the number of participants offering cross-border remittance services to Mexico continues to grow, new players need to find innovative and creative techniques on how to address the market successfully. Banks and credit unions have been able to not only offer a transparent, low-cost, and secure method in sending cross-border transfers to Mexico using the ACH Network, but also introduce these payments into the financial system and provide other financial services to the sender and receiver. This session focuses on the techniques one U.S. financial institution has used in rolling out a successful ACH program to Mexico, using the FedACH International Service known as Directo a MexicoSM. The audience will hear about marketing tactics, operational flows, lessons learned, and the benefits the institution has realized, along with the latest statistics in the growth and advantages in account-to-account transfers on both sides of the border.

Speakers:
Sileshi Dereje
VP, Products, WesCorp Federal Credit Union
Elena Whisler AAP
Program Specialist-Directo a México, Federal Reserve Bank of Atlanta
Iliana de Silva
Deputy Director Institutional Banking, Bansefi

Session 102
Examining Payments: What do Examiners Expect?
Monday, 8:00 a.m. - 9:00 a.m.
Automated Clearing House
Room: 204-205

"Your Board of Directors must take action to ensure that risk management practices keep pace with the bank's new and increased usage of payment systems." While examiners may not communicate that to your board, payment systems are definitely on their radar screen and attracting increased scrutiny. In this session, you will gain insights into current and prospective regulatory expectations and learn how bank examiners might view the risk in your payments activity. OCC examiners will build on the agency's ACH risk management expectations by including examination experiences, best practices, and ongoing policy initiatives addressing ACH, remote capture, merchant oversight, and other current payment issues.

Speakers:
Carter Messick
Lead Information Technology Expert, Office of Comptroller of the Currency
Gail Simpson
Operational Risk Policy Analyst, Office of Cmptroller of the Currency

Session 103
Managing ATM Skimming & Compromised Cards
Monday, 8:00 a.m. - 9:00 a.m.
Card Solutions
Room: 301-302

Data breaches have a significant impact on financial institutions. Combined with ATM compromises, these events allow criminals to access large numbers of cards at once. There are operational best practices that can help protect your institution from the impact of these criminals. In this session, you learn about the tactics and trends criminal organizations use and best practices for how you can protect your customers and your bottom line.

Speaker:
Mike Urban
Senior Director, Fraud Operations, Fair Isaac Corporation

Session 104
Impact of Social Networks on Fraud & Payments Challenges
Monday, 8:00 a.m. - 9:00 a.m.
The Payments Biz
Room: 304-305

What are the implications of the intersection of fraud and payments for financial institutions? The speaker discusses how cross-channel fraud is affecting financial institutions from the boardroom to the customer experience. Emerging technologies being developed that use sophisticated calculations to predict fraud activity and identify heretofore undetectable relationships among organized criminals are addressed.

Speakers:
Catherine A. Allen
Chairman & CEO, The Santa Fe Group
John R. Beran
EVP & CIO, Comerica Incorporated
Matt Fleming
Senior Manager, Detica

Session 105
Are You In or Out of the Loop?
Monday, 8:00 a.m. - 9:00 a.m.
Card Solutions
Room: 306-307

Prepaid cards come in two flavors: closed loop or open loop. In closed loop or single-purpose schemes, the card can be used only at the store or store chain where the card was acquired. In open loop schemes, cards can be used in multiple locations by virtue of the general purpose payment brand that the cards bear (e.g. Visa, MasterCard.) Each one of these types of schemes has benefits and drawbacks including interchange revenue, brand recognition and consumer utility. Learn about industry best practices for education, marketing operations and controls for prepaid card, including policy observations and market experiences. Benefits and drawbacks outlining model preference are also examined.

Speakers:
Stan Sienkiewicz
Senior Manager, Payment Cards Center, Federal Reserve Bank of Philadelphia
Jason Brooks
VP, Financial Services, InComm
Chris Daniel
Chair, Payment Systems Group, Paul, Hastings, Janofsky & Walker

Session 106
Reading into the Crystal Ball: ACH Reporting
Monday, 8:00 a.m. - 9:00 a.m.
Corporate Payments Solutions
Room: 318

As an Originator, your ODFI provides you with a series of information regarding your ACH transactions including return and notification of change notices, reversal, deletions, redeposits, etc. What should you be doing with this information, besides applying the item to your A/R system? What trends can you identify? And how can you use this information to minimize risk and save your company money? This session highlights the types of ACH trend reporting that a company might want to consider to improve collection rates, decrease return rates, highlight potential risk management issues and reduce banking fees.

Speaker:
Laura Listwan AAP, CCM
First Vice President, Bank of America

Session 107
Connection Between ACH Fraud & Threats to Online Banking
Monday, 8:00 a.m. - 9:00 a.m.
Automated Clearing House
Room: 319

In late 2006 and early 2007, the majority of domestic financial institutions complied with the FFIEC guidance and locked down the login portion of their online banking portals. Simultaneously, many noticed fraud perpetrated against select portions of their online banking sites, specifically involving ACH transfers, was on the rise. In an effort to protect themselves and their customers against ACH transfer fraud, financial institutions have had to balance between protecting these activities and encouraging their customers to continue using their online banking systems. Presenters in this session explore specific cases of ACH fraud perpetrated against financial institutions and describe mechanisms for protecting against this sophisticated form of financial fraud.

Speakers:
Joram Borenstein
Senior Product Marketing Manager, RSA, The Security Division of EMC
Stephanie Lewis
Strategic Initiatives Analyst, Jack Henry & Associates

Session 108
Emerging Payment Alternatives - Demystified!
Monday, 8:00 a.m. - 9:00 a.m.
The Payments Biz
Room: 320

New payment channels and technologies are being introduced at a breakneck pace. This session will provide an overview of the leading emerging channels for payment initiation, such as mobile payments, NFC/contactless payments, "Decoupled," PIN-less, and reloadable debit cards, PayPal, Google Checkout, Amazon Flexible Payments, and NACHA's Secure Vault Payments. Interested in learning even more about these payment channels? This session also provides you with a listing of other concurrent sessions that will be covering these emerging payments to help you make the most of your Payments 2008 experience!

Speakers:
Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Terri Pelle Sands AAP
Managing Director, Payments Information Circle

Session 125
Executing Payments Strategies in a Changing Environment
Monday, 9:15 a.m. - 10:45 a.m.
General Interest Sessions
Room: Premier Ballroom

NACHA is pleased to welcome Peter Raskind, president and chief executive officer of National City Corporation, as the keynote for the opening general session in Las Vegas. The former NACHA Board and executive committee member shares his insights for developing and executing payments strategies in a changing environment.

Speakers:
Steve M. Ellis
Executive Vice President, Wells Fargo
Elliott C. McEntee
President & CEO, NACHA - The Electronic Payments Association
Peter E. Raskind
President & CEO, National City

Session 144
Monday Morning Refreshment Break
Monday, 10:45 a.m. - 11:15 a.m.

Room: Grand Ballroom/Exhibit Hall

Session 145
Just What the Doctor Ordered: Achieving Revenue Cycle Efficiency
Monday, 11:15 a.m. - 12:15 p.m.
Corporate Payments Solutions
Room: 101-102

Today's health care providers face ever-increasing competitive pressures, escalating business expenses and a complex regulatory/reimbursement environment. In this case study, speakers look at how HIPAA-compliant technological innovations are making it possible to streamline patient claims, improve inquiry resolution and reduce administrative costs. Speakers share best practices, from a health care provider's perspective, on how to shorten DSO and increase operating margins. Speakers also examine how health care providers can partner with a financial institution to implement an integrated receivables solution that will automate claims processing and shorten the revenue cycle.

Speakers:
Mike Griffen
Chief Financial Officer, Prexus Health Partners
Scott Krah
VP, Healthcare Solutions, Fifth Third Bank

Session 146
Security in the Post-FFIEC World
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 104-105

It's been almost 18 months since the December 31, 2006 FFIEC Guidance for Authentication in an Internet Banking Environment deadline. The speaker in this session discusses what financial institutions are doing today to ensure continued FFIEC compliance and how and what emerging threats may alter their authentication strategies in 2008 and beyond.

Speaker:
George Tubin
Senior Analyst, TowerGroup

Session 147
Image Integrity-A Critical Component of Check Electronification
Monday, 11:15 a.m. - 12:15 p.m.
Check Electronification
Room: 106-107

Financial institutions are continuing their rapid adoption of check electronification, raising new concerns about maintaining image integrity-ensuring that images and check data match. Should mismatches occur, financial institutions would face considerable risks with significant financial and customer trust/public relations repercussions. Speakers present the challenge today's financial institutions are facing in maximizing image integrity, a critical component of quality assurance; explore the financial and PR/customer satisfaction 'fallout' that occurs when mismatches happen; and detail the actions FIs and the industry must take to preserve the integrity of image presentment and storage.

Speakers:
Kerry M. Atha
Product Director, Viewpointe
Keith Powers
VP, Transaction Processing, U.S. Bank

Session 148
Understanding & Assessing Retail Payment Options
Monday, 11:15 a.m. - 12:15 p.m.
Check Electronification
Room: 109-110

With the variety of payment processing options available, how do business organizations and financial institutions determine the best processing option for their organization or their customers? Presenters in this session help attendees learn more about the uses of each option and the guidelines to make informed decisions. Speakers describe the use and benefits of Check 21, BOC, ARC and POP options, and describe the risks and fraud potential associated with each. Attendees learn the basic differences associated with each payment option and the impact of each on the organization and the customers.

Speakers:
Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Richard R. Oliver
EVP & Retail Payments Product Manager, Federal Reserve System

Session 149
Bill Pay Data & Credit Scoring: What You Must Know
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 201-202

Bill pay data is being used to produce alternative credit scores. What are the attributes and data streams needed to produce accuracy and accountability in this emerging data warehousing and analysis approach? Who are the players producing this data, where is it going, and what is the value proposition behind collecting, and aggregating this data? This session answers these questions and outlines what is emerging as the future for this payments-based technique in the evaluation of consumers' credit worthiness.

Speakers:
Fred Brothers
Managing Partner, eCom Advisors
Shawn Moore
Prodcut Leader, Fair Isaac Corporation
Corey Stone
Product Leader, Fair Isaac Corporation

Session 150
Improve Your ACH Odds: Techniques to Reduce Exceptions
Monday, 11:15 a.m. - 12:15 p.m.
Automated Clearing House
Room: 204-205

How good are your ACH validation methods? What would be the value to your organization of a substantial drop in exception items? As the volume of ACH transactions continues to rise, the need for better verification methods becomes increasingly important in order to reduce the number of returns, remove funding delays, limit fraud, minimize costs and improve customer satisfaction. This case study presents the real-world results of applying multi-layered validation techniques to minimize exception items.

Speakers:
Kelly Dizon
Director, Cash Application & Payment Solutions, Qwest Communications
Andy Orcino
Finance Manager, Accounts Receivable, Qwest Communications
Robert E. Wilson CTP
Chief Operating Officer, BillMatrix Corporation

Session 151
Overseas Expansion: A World of Business Opportunity Awaits
Monday, 11:15 a.m. - 12:15 p.m.
Global Focus
Room: 301-302

The global economy in which we now operate presents enormous opportunity for companies to expand into new markets. However, doing business abroad presents significant risks and challenges, even for large, established players in the U.S. marketplace. This session discusses the most significant issues that a U.S. company looking to expand overseas will need to expect, appreciate and solve in order to succeed.

Speakers:
Chris Baugher
Partner, McKenna Long & Aldridge
Marc D'Annunzio
Partner, McKenna Long & Aldridge

Session 152
Impact of the Network Enforcement Rule
Monday, 11:15 a.m. - 12:15 p.m.
Automated Clearing House
Room: 304-305

Presenters in this session focus on the Network Enforcement Rule passed in November 2007 and how it expands NACHA's risk and enforcement mechanisms to address issues involving excessive numbers of unauthorized entries. The overall benefits to the Network and its participants are discussed. Attendees learn how NACHA's risk management department identifies participants that may be posing harm to the ACH Network and what steps must be taken to avoid the initiation of a Rules enforcement proceeding. Case studies illustrating the current and future effectiveness of NACHA's risk and enforcement efforts are also examined.

Speakers:
Lorie J. Nash AAP
Senior Director, Compliance, NACHA - The Electronic Payments Association
Jennifer Kirk AAP
Director, Training, Payments Central

Session 153
Protecting What is Yours: Methods for Securing Data
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 306-307

Information security has always been a critical component of financial institutions' business operations, placing banks at the forefront of IT security. However, according to Gartner's 2006 survey -- "Technology Issues for Financial Executives" -- IT security is no longer a top priority of only the banking industry, but of CIOs across all industries. It is management's responsibility to ensure that proper IT security is in place that can adequately protect its clients' data. In this presentation, learn methods for internal auditors to help improve their clients' IT security environment, including the use of a security framework that can assess a company's overall risk levels, prioritization of data and corresponding IT security, and tips for implementing and monitoring security programs.

Speakers:
Kris Ruckman
Partner, Grant Thornton
Matt Thompson
Senior Manager, Grant Thornton
Gareth Webley
Chief Security Officer, National City

Session 154
Streamline Corporate-to-Bank Relationships with SWIFT Connectivity
Monday, 11:15 a.m. - 12:15 p.m.
Corporate Payments Solutions
Room: 318

Traditionally, corporations with multiple banking relationships have been faced with an array of proprietary electronic banking systems, or they have had to use one concentrating bank to pass through payments and collect bank account statements on their behalf. Since SWIFT opened its network (SWIFTNet) to corporations, they can now streamline these banking relationships and improve visibility and lower transaction costs. Hear from leading corporate treasurers on why they have opted to join the SWIFT network as well as steps you can take to implement SWIFTNet connectivity, including streamlining connectivity to banking relationships, increasing STP, improving auditing processes, harmonizing and optimizing payment flows, adhering to SWIFT standards and security, supporting a range of message formats, and complying with SCORE and SEPA.

Speakers:
Hans Cobben
COO, AvantGard Payments, SunGard AvantGard
Andrew Hazen
Regional Manager for Corporates, SWIFT
Jeremy Kidd
IT Consultant, Cargill, Inc.
Gary Park
Treasurer, Schlumberger

Session 155
Decoupled Debit: Threat or Opportunity
Monday, 11:15 a.m. - 12:15 p.m.
Card Solutions
Room: 319

Customers can now link their checking accounts to debit cards issued by corporations and even retailers. Does "decoupled debit" threaten to disintermediate banks or does it represent a new opportunity to expand business beyond the confines of the branch footprint? There are many issues to consider with decoupled debit. Do you take an offensive or defensive posture? How do you manage risk? Do you opt for low interchange or high rewards? Should you utilize ACH or other payment networks? Is co-branding or direct marketing the best route to success? Presenters in this session examine the issues involved in implementing a decoupled debit program and provide real-life examples and usage data from three companies who are pioneering the concept.

Speakers:
Mike Grossman
Chief Executive Officer, Tempo Payments, Inc.
Daniel J. Eckert
Prod. Venture, Acquisition & Development, HSBC Card Services
Scott Grimes
SVP & General Manager, Payments, Capital One

Session 156
Vegas Vices & Internet Payments: Understanding the Implications
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 320

Congress passed the Unlawful Internet Gambling Enforcement Act in October 2006. The Act instructs the Federal Reserve Board and the Secretary of the Treasury (in consultation with the Department of Justice) to jointly prescribe regulations requiring designated payment system participants to establish policies and procedures reasonably designed to prevent or prohibit payments associated with unlawful Internet gambling. The deadline for comments on the proposed rule issued in October 2007 to implement the Act was December 12, 2007. Are tobacco sales over the Internet the next area of focus? Sales to minors and the loss of sales tax revenue are of particular concern to law enforcement and taxing authorities. Are there other issues? What efforts are being undertaken by law enforcement and what are the potential liabilities for financial institutions and other payments providers? In this session, representatives from the Federal Reserve Board of Governors and the New York Attorney General's Office address how these public policy issues are intersecting with the payments system. Speakers clarify the legal and regulatory implications and offer guidance for compliance.

Speakers:
Joseph Baressi
Senior Financial Services Analyst, Federal Reserve Board of Governors
Christopher Leung
Assistant Attorney General, New York State Office of the Attorney General

Session 176
Monday Luncheon in the Exhibit Hall
Monday, 12:15 p.m. - 1:30 p.m.

Room: Grand Ballroom/Exhibit Hall

Session 177
Payments Convergence: An Auditors Dream
Monday, 1:30 p.m. - 2:30 p.m.
Check Electronification
Room: 101-102

Comprehensive solutions to payment acceptance can go beyond traditional benefits like risk reduction, improved internal audit and control, and improved customer service. Speakers in this session present first-hand experiences from a group of medical clinics that embarked on a cutting edge project for payments convergence primarily to solve an audit problem involving BOC payments, Check 21, credit, debit and cash payments under a unified platform.

Speakers:
Ernest Chappell AAP
President, EFC Systems
Rhonda Hale
Finance Manager, Kentucky Medical Services Foundation, Inc.

Session 178
Risk Management for Merchants: Protecting your Business
Monday, 1:30 p.m. - 2:30 p.m.
Corporate Payments Solutions
Room: 104-105

Merchants, payment processors and financial institutions have experienced security breaches that resulted in the exposure of consumer account, transaction and other personal information. While these breaches are rare the impact is far-reaching and often makes headlines resulting in legal action, loss in consumer confidence, and loss of business. What can merchants do to protect their customers personal information and ultimately their businesses? In this session merchants hear from payment industry certified security experts about industry requirements and best practices with regards to protecting consumers' personal information. Merchants also learn what is available to them and what to look for when evaluating payment vendors for the processing of their consumer transactions. Session presenters share their experiences and cover data security at all levels of transaction processing from the moment the consumer supplies their payment information to transaction confirmation to historical reporting to storage of information for recurring charges or repeat customers.

Speakers:
John Arnold
Chief Information Officer, Optimal Payments Inc.
Patrick Faucher
Chief Executive Officer, NIMBIT
Doug Klotnia
EVP, Worldwide Sales, Trustwave

Session 179
A Retailer's Experiences with BOC
Monday, 1:30 p.m. - 2:30 p.m.
Check Electronification
Room: 106-107

Now that BOC has been in place for over a year, what are retailers saying about it? What are the factors to be considered when evaluating BOC? Is it right for your environment? A top national retailer presents experiences with BOC and helps answer questions about the retail environment, different BOC options, the decisions made, the implementation process, and the results. Attendees learn how to evaluate BOC as a potential solution in the retail environment and what results can be expected from the implementation process. Opportunities and obstacles as seen through the eyes of other retailers who have assessed BOC are also be examined.

Speakers:
Barry Nordstrand
President & CEO, Solutran
Co-presenter to be announced

Session 180
Tales from the Frontline: The UK Faster Payments Story
Monday, 1:30 p.m. - 2:30 p.m.
Global Focus
Room: 109-110

In November 2007, the UK banking industry launched a 24/7 credit transfer service, particularly aimed at telephone and Internet banking payments. This presentation looks at how the service has developed and reviews the first few months of operation. Current UK payment trends and forecast scenarios going forward are examined, as well as the wider European market. Other approaches, such as the new EBA Priority Payments scheme and existing domestic schemes are explored. Larger questions are also addressed. How will banks get a return on their investment which was forced upon them? How will the payments mix change as the traditional differences between them are eroded? Will the predicted moniker "faster fraud" be proved right? Will this herald a new era in UK payments? How will the UK banks react to the increasing number of payment options.

Speaker:
Gareth Lodge
Senior Analyst, European Payments, TowerGroup

Session 181
Beyond Remote Deposit Capture
Monday, 1:30 p.m. - 2:30 p.m.
Check Electronification
Room: 201-202

Remote Deposit Capture is moving businesses toward electronic deposit of checks from the office. With more than 200,000 installations, RDC is rapidly changing the corporate landscape the same way electronic payment options changed the consumer landscape. Presenters in this session examine how a Fortune 500 U.S. food distributor achieved dramatic operating results by moving beyond remote deposit capture and traditional lockbox processing to streamline its receivables processing with the next generation of intelligent distributed capture.

Speakers:
Michael Starble
VP, Sales & Marketing, Open Scan Technologies Inc.
Lynn Hall CTP
Treasury Manager, U.S. Foodservice, Inc.

Session 182
Unauthorized Returns: Federal Reserve Perspective
Monday, 1:30 p.m. - 2:30 p.m.
Automated Clearing House
Room: 204-205

Are your unauthorized returns a problem? This session provides a comprehensive overview of the systems, controls, and processes employed by the Federal Reserve Bank, acting in the role as an ACH Operator, to actively monitor internal risk activity within the ACH Network. Collectively, these systems and controls identify and mitigate unauthorized return activity through a combination of more regimented enforcement and audit practices, and through structured communications with NACHA and financial institutions.

Speaker:
Christopher N. Alexander
Assistant Vice President, Federal Reserve Bank of Atlanta

Session 183
The Global Reach of Remote Deposit Automation
Monday, 1:30 p.m. - 2:30 p.m.
Global Focus
Room: 301-302

Remote deposit capture has not only eliminated geographic boundaries within the U.S., but has also leaped across national borders and continents. In this financial institution case study, organizations interested in global remote deposit deployments learn valuable lessons and gain unique first-hand insights. Speakers examine logistics of global deployment, challenges to overcome to extend globally, impact on daily operations between countries, transportation logistics and costs, bridging differences in cross-border work flows, and the likely affect SEPA will have on work flow processes.

Speaker:
David L. Peterson
Executive Vice President, Goldleaf Financial Solutions

Session 184
An Outsider's View of Payments
Monday, 1:30 p.m. - 2:30 p.m.
The Payments Biz
Room: 304-305

Bankers tend to live deep in the payments business on a daily basis. Can we see the forest through the trees? In many respects we are probably too close to the business to see the big trends and big directions. This session will explore the outsider's point of view on the payments business.

Speaker:
Margaret M. Weichert
SVP, Payments Strategies Executive, Bank of America

Session 185
Including Procurement Cards in the A/P Process
Monday, 1:30 p.m. - 2:30 p.m.
Card Solutions
Room: 306-307

In December 2007, the Sara Lee Corporation launched a cutting edge capability within their accounts payable group that enables them to select procurement card as a viable payment method to settle a vendor invoice. Presenters explain the rationale for developing features and functionalities and quantifying the benefits to the company. This capability combines all the payment tools available to corporations into a single platform and process while not requiring significant changes to systems or infrastructure.

Speakers:
Patrick Molloy
Director, North America Payments, Citigroup
Barbara Holcomb
Senior Manager, Accounts Payable, Sara Lee Corporation

Session 186
Green Technology & Practices: Be the Change You Want to See
Monday, 1:30 p.m. - 2:30 p.m.
The Payments Biz
Room: 318

With the advent of NACHA's green initiatives -- strategic and tactical -- learn how the financial services industry is leading change to better our environment. From applications that benefit financial institutions, processors, businesses and consumers to the environmentally responsible planning in the corporate offices and the branches, this industry is driving change that has long-term benefit for the environment. Focus is on innovative opportunities to reduce the carbon footprint of your business through the use of ACH, image and other technologies, as well as industry efforts to "green" work process, convert, build and maintain "green" offices and branches, and work on multiple levels to reduce the current strain on natural resources and the environment.

Speakers:
Janet C. Boyst
SVP & Group Executive, Wachovia Bank, N.A.
Leonard J. Heckwolf
Investment & Initiative Management Executive, Bank of America

Session 187
Protecting ACH Data Using PCI Standards
Monday, 1:30 p.m. - 2:30 p.m.
Automated Clearing House
Room: 319

Presenters in this session explain PCI Standards, their background, and explore how and why merchants should apply similar or the same practices to protect ACH-related data. A real-world implementation case study is examined focusing on the good, the bad, and the ugly of PCI. Presenters also explain the twelve rules that make up the core initiatives.

Speakers:
Fred Laing, II AAP, CCM
President, Upper Midwest ACH Association
Tyler Graham
Project Control Manager, US Bank
Robert Russo
General Manager, PCI Security Standards Council, LLC
Gary Yamamura
Principal Consultant, Verifax Consulting, Inc.

Session 188
The Importance of ePayments in the Credit Union Industry
Monday, 1:30 p.m. - 2:30 p.m.
The Payments Biz
Room: 320

In the past several years, electronic payments have evolved rapidly. A few years ago they were a competitive differentiator for a financial institution. Today they are a minimum requirement. Large banks are offering a broader and broader suite of electronic billing and payment products - free bill payment, free international transfers, cross-institution transfers, online account opening and funding, etc. via multiple online channels - web, voice and mobile. Having a robust banking website with multiple electronic payment products no longer positions a financial institution as a leader, but NOT having them marks the institution as trailing the market. This session will explore the evolution of the online delivery channel and electronic payment solutions in the credit union industry, and the importance of these products for the continued success of credit unions. It will also explore the notion that online channels can be the "great equalizer" - enabling credit unions to compete more effectively with banks that have far more branch locations and service their members more effectively.

Speaker:
Marcie Haitema
EVP, Correspondent Services, U.S. Central

Session 205
Industry Agenda: Cutting Costs not Customer Satisfaction -- A Balancing Act
Monday, 2:45 p.m. - 3:45 p.m.
General Interest Sessions
Room: Premier Ballroom

Keeping clients satisfied is a key aspect of any business relationship, but how do you maintain satisfaction while reducing costs? How are economic forces and bottom-line decisions affecting immediate and long-term product strategies, service levels, and negotiating positions? Is a focus on fee income a way to temper the tide? Where will the industry go from here and what is the impact? Will electronic delivery and payment options provide a way to help cut costs while maintaining quality customer service? Hear from a diverse panel of industry experts on how they perceive organizations can best weather an uncertain economic environment while keeping their customers in mind.

Speakers:
James Van Dyke
President & Founder, Javelin Strategy & Research
Lloyd F. O'Connor
Managing Director, JPMorgan Chase

Session 224
Monday Afternoon Refreshment Break
Monday, 3:45 p.m. - 4:15 p.m.

Room: Grand Ballroom/Exhibit Hall

Session 225
International Supplier Payments
Monday, 4:15 p.m. - 5:15 p.m.
Global Focus
Room: 101-102

As supply chains become increasingly global, corporates are sourcing raw materials, products, and services from around the world. While cross-border trade services and trade finance providers have been addressing the financing and fulfillment aspects of the global sourcing contracts, the payment aspect of these transactions has not been studied closely. U.S.-based corporates have traditionally paid their overseas suppliers in U.S. Dollars. However, foreign suppliers are often relatively small entities that don't have the financial sophistication to access actively managed USD funds and get them converted to local currency at competitive rates. This session explores recent corporate trends in international supplier payments and offers additional insights through a live case study.

Speakers:
Hubert J.P. Jolly
Managing Director, Citigroup, Inc.
William Lundeen
Group Manager, Global Banking, The Procter & Gamble Company

Session 226
New Technology Enabling Merchant Adoption of eCheck
Monday, 4:15 p.m. - 5:15 p.m.
Check Electronification
Room: 104-105

In the past two years several technological advancements have made the adoption of check conversion easier to implement, easier to operate and easier to justify. The drivers of these changes include some of the world's leading technology firms whose POS software, terminals and computer systems are changing the way merchants adopt existing and new payment options including check conversion. Representatives from three technology firms discuss software commonly used in the grocery industry -- a new stand-beside IP terminal that incorporates the latest payment technology (with MICR-reading and check imaging capabilities), and a touch-screen computer system that helps merchants accept payments, manage inventory, track sales, control costs, improve customer service, and better guide business decisions.

Speakers:
Kory Kirschman
VP, POS Terminal & Hardware Solutions, First Data Corporation
Co-presenter to be announced

Session 227
Banking Opportunity in the Healthcare Industry
Monday, 4:15 p.m. - 5:15 p.m.
The Payments Biz
Room: 106-107

Massive changes in the healthcare industry are underway which potentially will provide great opportunities for the banking industry. While some insurance companies are forming their own banks, other insurance companies and banks are seeking and forming partnerships to address these changing needs and to profit from the deposits and fees to be generated. In this session, speakers discuss the results of a 2007 healthcare payer survey, the changes underway in the industry, how opportunities are being addressed, and how the banking industry can benefit by participating in this transformation.

Speakers:
Dana J. Gould AAP
Senior Research Analyst, Financial Insights, an IDC Company
Wayne Provost
Chief Strategy Officer, ProviderPay

Session 228
Deposited Check Truncation (DCT) Pilot
Monday, 4:15 p.m. - 5:15 p.m.
Check Electronification
Room: 109-110

In this period of payment system convergence, financial institutions continue to search for efficiencies, cost savings, and product enhancements. The DCT Pilot was developed to address the increasing cost of processing checks where image exchange is not viable. The Pilot enables financial institutions to test the use of the ACH Network to electronically collect low-value consumer checks. Attend this session to understand the DCT Pilot business case, legal framework, Pilot rules, and evaluation metrics. The speakers will discuss the economics of the Pilot and how to become a Pilot participant.

Speaker:
Presenters to be announced

Session 229
Check Image Exchange: Risks, Rules, Agreements & More
Monday, 4:15 p.m. - 5:15 p.m.
Check Electronification
Room: 201-202

With a goal to truncate all paper checks, recent legislation and imaging technology have combined to provide new opportunities in the check payments world. But check electronification can be risky because of voids in the supporting legal environment. Check 21 authorized the unilateral truncation of a paper check, but only when it could be replaced with a substitute check. The Check 21 Act did not validate the electronic exchange of check payments. Check image exchange requires agreements and to exchange check images outside of an agreement is to do so without the support of statutory, regulatory, or case law. The downside of exchanging in the absence of an agreement includes the possibility of consequential damages which introduces an indeterminately large amount of risk. This session will address the risks in check electronification in the absence of check law and how those risks can be mitigated.

Speakers:
David W. Walker
Executive Director, ECCHO
Jeanette H. Blanco
Assistant General Counsel, Bank of America

Session 230
Fulfilling a Promise: DuPont Delivers the Results
Monday, 4:15 p.m. - 5:15 p.m.
Corporate Payments Solutions
Room: 204-205

Does the "We plan to do x and will achieve y benefits in z years" sound familiar to you? All too often we are shown promising plans with great expected benefits and positive business cases -- and then never hear about them again. DuPont presented its out-of-the box financial messaging for corporates initiative in Chicago. The corporate has analyzed, documented and published projected total cost of ownership, benefits and ROI. Now one year later, it's time to confront the facts. Did DuPont achieve what was promised? Come find out, and learn what you should know before making your promises to management.

Speakers:
Lawrence G. Boyer
Global Treasury CIO, DuPont
Andrew Hazen
Regional Manager for Corporates, SWIFT
Monie Lindsey
Principal, Treasury Strategies

Session 231
ACH Risk Management: Where Are We Now & Where Are We Going?
Monday, 4:15 p.m. - 5:15 p.m.
Automated Clearing House
Room: 301-302

It has been two years since NACHA first introduced its comprehensive risk management framework that resulted in a series of initiatives. What has happened, and what still needs to happen? This session provides information on increasing the risk management focus of the entire NACHA membership -- from rules changes to best practices, to looking at cross-channel risk. Find out what it takes to navigate the changing environment of ACH payments.

Speakers:
Peter Hohenstein CCM
Senior Vice President, Bank of America
Roy C. DeCicco CCM
Managing Director, JPMorgan Chase
Jeanette A. Fox AAP
Senior Director, Risk Investigations & Services, NACHA - The Electronic Payments Association

Session 232
A Primer for U.S. Banks: European Payment Systems & SEPA
Monday, 4:15 p.m. - 5:15 p.m.
Global Focus
Room: 304-305

European payment systems are very different from what we see in the U.S. Come and learn everything you need to know about European payment systems, how they work, why they work the way that they do, and what it means to you as a U.S. banker. This session also looks at the topics that make European payments unique. What standards are being used in Europe and why? What are the areas of focus for European regulators? Why are there two sides to Data Privacy and AML issues? What's next in cards in the EU when considering the EPC and the Pan European card scheme?

Speaker:
Laura Listwan AAP, CCM
First Vice President, Bank of America

Session 233
Leveraging Cards for Greater Loyalty
Monday, 4:15 p.m. - 5:15 p.m.
Card Solutions
Room: 306-307

All prepaid card issuers are vying for a larger share of wallet among the growing number of prepaid cardholders. Closed loop prepaid cards have an inherent advantage in creating significant brand awareness and loyalty to a particular retailer. In contrast, open loop cards have more widespread acceptance, but not the same customer loyalty to any specific retailer. To spur adoption in this rapidly growing environment, open loop issuers are developing new features and functionality including loyalty, rebates, and card promotions in concert with their retailer partners. Speakers in this session discuss some of the innovative, card-based loyalty and rewards programs being implemented by issuers and their channel partners to increase customer retention and brand awareness.

Speakers:
Britt Weber
Senior Vice President, FSV Payments Systems
Co-presenter to be announced

Session 234
Corporate Mobile Banking: Separating Hype from Reality
Monday, 4:15 p.m. - 5:15 p.m.
Corporate Payments Solutions
Room: 318

Mobile banking is generating a wave of excitement in the North American marketplace. While much of the emphasis is on the retail market, corporate customers stand to benefit tremendously from this nascent channel. This session provides an overview, based on independent research from Celent, of the latest corporate mobile banking technology trends. The state of mobile cash management solutions is examined through a different lens, by distinguishing hype from reality. This session provides a detailed picture of what future mobile cash management solutions will look like, as well as descriptions of key features and functionalities that will attract users to this blossoming technology. Finally, it will help banks to ensure that their corporate mobile customers are provided with the proper security and authentication mechanisms while maintaining ease of use. A case study is presented by a pioneering institution in the mobile banking service for business sector, including an overview of its solution, descriptions of functionalities, lessons learned and business benefits.

Speakers:
Jacob Jegher
Senior Analyst, Celent
Amy L. Johnson
Vice President, Wells Fargo

Session 235
Advancing the Payments Business Case
Monday, 4:15 p.m. - 5:15 p.m.
The Payments Biz
Room: 319

We hear about new payments initiatives almost every week and they always sound like the greatest thing since sliced bread. Come and see why so many of these initiatives that sounded so good never got the market understanding and acceptance that they needed to take off. Were they really ahead of their time, or were they just ill-conceived? As an industry, how do we keep from doing the same thing over and over again by making a better business case up front?

Speakers:
Eileen Poss CTP
SVP, Global Treasury Services, Bank of America
Rick Leander
Executive Vice President, The Clearing House

Session 236
Authenticating a Customer's Identity for ACH Origination
Monday, 4:15 p.m. - 5:15 p.m.
Automated Clearing House
Room: 320

Competitive pressures from industry leaders and high consumer expectations are driving change in how institutions conduct business. Presenters in this session focus on the need for customer authentication and how to best answer the question: Is this person authorized to use this account? This session addresses emerging fraud trends with WEB, TEL and ARC transactions and explores current and developing solutions that can be implemented to help prevent these fraud scenarios before losses become excessive. Speakers also discuss how to analyze and verify the relationship between a name, address and phone number, along with best practices for integrating and measuring the impact of analyzing contact information into your payments processing workflow. This session is particularly useful for merchants that originate WEB and TEL payments and would like to implement best practices for authenticating customers in order to comply with NACHA rules and guidelines.

Speakers:
Mike Bates
VP, Product Solutions, Early Warning Services
Lisa Tennant
VP, Cash Management & Merchant Services, Jewelry Television
John Trionfo
Director, Risk Management, TARGUSinfo