Sunday Workshops

Proposal 21
International Payments Primer: Becoming Fluent

This workshop offers a concise and comprehensive crash course on global payments. Concepts such as payment method alternatives, risk management, foreign exchange, message standards, and regulatory issues are covered. Key terms, players, and industry developments are explained. Whether you are employed by a company with international disbursement and/or collection needs, or by a financial institution that is addressing the global payment needs of its customers, this workshop equips you with a solid understanding of what global payments are and what they mean to your organization.

Speakers:
Jane Hennessy
Senior Vice President, Wells Fargo
Alan Koenigsberg
Managing Director, JPMorgan Chase

Proposal 43
Inside the ACH File: A Walk on the Technical Side

This hands-on workshop removes the mystery of ACH technical standards. The speaker takes participants through an exercise of writing an ACH file without the assistance of software or a computer. Learn about ACH file and data specifications, code values, field definitions and requirements, record layouts, and much more. Participants gain from this workshop the technical understanding needed to delve deeper into the details of an ACH file. This workshop is a must for anyone supporting ACH services, those studying to take the AAP exam, or individuals desiring to bring their ACH knowledge closer to the expert level. This interactive workshop requires active participation by those who attend.

Speaker:
Charles E. Floyd Jr. AAP
SVP, Director of Education, PaymentsNation

Proposal 44
Retail Payments Risk Management: An Examiner's Perspective

How would your institution rate in the area of retail payments risk management capabilities? Are there specific areas an examiner might focus on in the event of a review? Come hear from the examiners who have the answers. Looking at areas including retail payments governance and oversight, new product development, cross-channel payments risk and vendor management, the speaker raises questions you may not have considered and provides answers you may not have known.

Speakers:
Tony DaSilva AAP, CISA
Examiner, Federal Reserve Bank of Atlanta
Bob Kennedy
Director, Operations Risk, Federal Reserve Bank of Atlanta
Steven Pesek
Senior Examiner, Federal Reserve Bank of New York

Proposal 47
Don't Gamble with Your ACH Audit

You don''''t want to just "roll the dice" when it comes to the ACH audit. Presenters in this workshop reveal what they "have up their sleeves" as they show you the specific areas that are most often found to be out of compliance with Appendix Eight. You are let in on the "secrets" that professional ACH auditors find most often as non-compliance and risk issues, and gain the insights you need to better understand the pressing issues and how to ensure your financial institution is a "winner" in the audit game.

Speakers:
Amy J. Fisher AAP
Audit Services Director, Upper Midwest ACH Association
Luann S. Kohlmann AAP
Director, Education/Auditor, WACHA - The Premier Payments Resource

Proposal 56
Exception Handling: Corporate & Financial Institution Case Studies

In this real-world workshop, attendees hear from an ODFI, RDFI, an Originator, and a NACHA Operating Rules expert on how returns should be processed as opposed to how they are actually being processed. Speakers examine real examples including those that have resulted in rules violations and arbitration cases.

Speakers:
Mary M. Gilmeister AAP
President, WACHA - The Premier Payments Resource
Tim Thorson AAP, CCM
VP, Manager ACH Operations, Regions Financial Corporation
Cheryl Tiedt AAP
Cash Manager, Thrivent Financial for Lutherans

Proposal 84
Hitting the Jackpot: Moving from Paper Clearing to Image Exchange

With more and more costs associated with processing paper checks and changes going on in the payments industry, now is the time to hit the jackpot and consider image exchange. Presenters in this workshop give participants a brief background of the Check 21 Act and how the industry is moving from traditional paper clearing to truncation and image exchange, as well as a high level look at remote deposit capture. Also covered are rules versus agreements, how to mitigate your risk when implementing image exchange, and steps to consider before making decisions.

Speakers:
Andrew J. Garner
Senior Vice President, Wachovia Bank, N.A.
Angela Smith AAP
SVP, Director of Check Education, PaymentsNation

Proposal 99
Mobile Payments: Current & Future Models

There are many experts in the payments field who believe everyone should jump on the mobile payments bandwagon now while there are still some open seats. That may be so. However, do you have all the answers needed before making the decision to make that jump? Presenters in this workshop analyze topics that will directly influence the outcome of anyone''''''''s mobile payment strategy -- mobile operator control, operator billing, and underlying payment mechanisms. These systems have varying capabilities and economics associated with them. Will mobile be able to adapt to them and maintain a positive value proposition? Is mobile the freedom trail for merchants with powerful consumer brands to break away from dependence on card-based systems?

Speakers:
Roger Applewhite
Technology Strategist, Avenue B Consulting, Inc.
Thomas Hissam
Worldwide Sales Executive, IBM

Proposal 115
ACH 101

This introduction to the ACH Network provides a basic understanding of the transaction flow and participant roles, responsibilities and relationships. The spectrum of ACH entry types designated by Standard Entry Class (SEC) Codes is described with distinctions drawn between payment and non-payment entries, debit (collection) and credit (disbursement) payments, traditional and emerging applications. The speakers conduct a tour of the various sections of the NACHA Operating Rules. This workshop uses a general approach suitable for ACH novices from any organization.

Speakers:
Debbie Barr AAP, CTP
Senior Director, Network Rules, NACHA - The Electronic Payments Association
Bradley W. Smith AAP
Director, Network Services, EastPay, Inc.

Proposal 138
A 360-Degree View of Payments Best Practices

Don''''t let your payments practices become a crap shoot. This workshop helps you play to win. The payments industry continues to undergo rapid evolution and development, bringing with it an abundance of pitfalls, efficiencies, opportunities and decisions. This workshop covers a wide range of topics such as: payment channels, risk management, technology, operations, process management, audit, cross-border initiatives and other forward-looking perspectives. Attendees engage in interactive case studies where everyone gets a chance to "roll the dice."

Speakers:
Jeffrey Lewis AAP, CTP
President & Managing Partner, The Azimuth Group
Pamela Rodriguez AAP
SVP, Professional Advisory Services, EastPay, Inc.

Proposal 150
Agreements, Authorizations & Affidavits

Legal agreements should be executed between key participants in the ACH Network and each of their service providers. These agreements bind participants to the NACHA Operating Rules, but that is only the beginning. Do you have the necessary documents in place to protect your organization? Presenters in this workshop discuss the issues that should be covered in your contracts and what rules should be incorporated into your agreements for the different ACH payment types, as well as the language needed to allocate responsibilities and control your risk, particularly when third-party relationships are involved. As an RDFI, are you following the Rules when returning ACH items? As an ODFI, are you including the necessary language in your agreements to help control the risks associated with origination and/or third-party service providers? As a Third-Party Processor, are you aware of the warranties and liabilities attributable to you if you are also considered a Third-Party Sender? As an Originator, do you have the necessary authorizations on file?

Speakers:
Duncan Douglass
Partner, Alston & Bird, LLP
Kathy Levin AAP
Managing Director, Payments Information Circle

Proposal 332
What You Need to Know about ACH Origination

Speakers in this workshop examine the responsibilities, liabilities, risks, and operational considerations of the Originator, its relationships with the Receiver and the ODFI, and practical concerns as experienced by the Originator in its business environment. Attendees hear from speakers from various perspectives on corporate origination, who share their front-line experiences. Bring your own questions to this interactive session and get answers straight from the experts.

Speakers:
William Bley AAP
President & CEO, Northwest Clearing House Association
Stan J. Pilon
President, Designated Escrow Officer, Quality First Escrow, Inc.
Kerry Sellen AAP
VP, Electronic Payment Processing, First Data Corporation
Julie Walker
VP, Cash Management Services, Charter Bank

Proposal 378
Check Electronification Best Practices

This workshop introduces participants to the four check-to-ACH conversion transactions: BOC, ARC, POP and RCK, as well as WEB and TEL, in which the check is used as a source document for ACH payment initiation. The NACHA Operating Rules and relevant regulations are discussed, and the responsibilities, obligations and liabilities of the parties to these transactions are examined. Business case, implementation, and operational issues are explored, with specific attention to notice requirements, authorization, identification, exception item handling, and verification procedures. Discussions include effective risk management techniques and current business opportunities for ACH electronic check applications. Presenters also examine recent statistics and trends, lessons learned, and education efforts that have been employed to minimize industry impact and improve overall awareness.

Speakers:
Elizabeth A. Cronenweth AAP, CTP
Product Line Manager, Financial Services, Sterling Commerce
Samuel Robb AAP, CTP
VP, Global Payment Solutions, CheckFree, now part of Fiserv

Proposal 379
Card Payments 101

The presenter in this workshop examines basic concepts, models, transaction flows, and terms in the card environment. Distinctions are made between debit and credit instruments, signature and PIN-based debits, commercial and consumer applications, in-the-loop and out-of-the-loop payment instruments, and the various card associations and networks. The evolving business environment is examined, encompassing emerging technologies, legal and regulatory issues, risk management, transaction volumes and trends, as well as the competitive environment. Financial institution and merchant perspectives and issues are discussed.

Speaker:
Maria Arminio
President & CEO, Avenue B Consulting, Inc.

Proposal 382
ACH 201

This workshop builds upon the principles addressed in ACH 101. Speakers drill down into more complex concepts and provide a more detailed examination of the nuances of the NACHA Operating Rules as they apply to payment origination and receipt, risk management, Rules compliance and enforcement, and exception processing. Operational, legal, and business aspects are explored, and insights into best practices are also shared. Specific attention is paid to the warranties, liabilities, and responsibilities surrounding ACH participation. Distinctions are drawn between commercial and consumer customer considerations, ODFI and RDFI perspectives, and the use of third-parties.

Speakers:
Sean Carter AAP
Director, Education & Rules Development, NEACH
Kimberly W. Rector AAP
Director, Education & ACH Services, MACHA - The Mid-Atlantic Payments Association

Proposal 391
The Alphabet Soup of Payments Regulations

AML, BSA, Reg E, Reg CC, UCC 3, 4 and 4A, the NACHA Operating Rules, the Green Book, 31 C.F.R. 210. Are you unsure which regulation or rule covers which payment type? Have the recent addition of payment types such as RDC, BOC and Check 21 left you scratching your head wondering what takes precedence? Speakers dig deeper into each payment option and each regulation governing that payment type revealing what rules and/or regulations you need to know and follow and how the rules and regulations work together.

Speakers:
Jeanette H. Blanco
Assistant General Counsel, Bank of America
Richard M. Fraher
Assistant General Counsel, Federal Reserve Bank of Atlanta

Proposal 393
Third-Party Relationships & the ACH Network

Third-Party relationships in the ACH allow participants the ability to take advantage of business opportunities that may not have been available in the past. But at what risk? Speakers in this workshop examine the differences between Third-Party Senders and Third-Party Service Providers. What are some best practices that must be addressed when entering into these relationships? What agreements must be defined and where are liabilities and responsibilities defined?

Speakers:
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv
Wendy Wishon AAP
Vice President, Mid-America Payment Exchange