
DEADLINE:
Friday, August 13, 2010.

About Registration:
info@nacha.org
or (703) 561-1100.
PAYMENTS 2010 Orientation
607
10:30 a.m. – 11:15 a.m.
Are you new to the PAYMENTS conference? Get the most out of your PAYMENTS 2010 experience with a conference overview and hands-on assistance in understanding the construct of the program. This orientation enables you to better select the sessions that are right for you, so you can take full advantage of all that
Introduction to the ACH & the
602/603
1:00 p.m. - 3:00 p.m.
Workshops
This introduction to the ACH Network provides a basic understanding of the transaction flow and participant roles, responsibilities, and relationships. ACH applications designated by Standard Entry Class (SEC) Codes are explained noting consumer and corporate, credit and debit, traditional and emerging payments. The speakers provide resources to aid attendees in finding answers to questions after they return to their shops. Suggested companion workshop is ACH 201.
Level: Fundamental
Senior Director, Network Rules,
Bradley W. Smith, AAP
CTO & VP, Operations, EastPay, Inc.
Making the Payment Decision: Best Practices for Corporate Originators
604
1:00 p.m. - 3:00 p.m.
Workshops
Companies have a myriad of options for collecting payments from consumers. Speakers in this session compare and contrast advantages and benefits of these various applications and explain the rules governing these choices. Attendees receive a takeaway resource to assist in applying the information after the conference. Corporate attendees are able to utilize the information in making payment decisions, and bankers can use the information as a resource in assessing their customer's needs. Suggested companion workshop is Interpreting ACH Returns: How Corporate Originators Can Learn from ACH Return Data.
Level: Intermediate
Cynthia J. Thompson, AAP, CTP
Education & Training Director, The Payments Authority, Inc.
Casey H. Wilcox
VP & Manager, Fundtech Corporation
Card Payments 101
606
1:00 p.m. - 3:00 p.m.
Workshops
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. Suggested companion workshop is Introduction to the Prepaid Card.
Level: Fundamental
President & CEO, Avenue B Consulting, Inc.
607
1:00 p.m. - 3:00 p.m.
Workshops
This pre-conference workshop features a high-level, generalist approach to the
Level: Intermediate
Susan Herbst-Murphy
Industry Specialist, Federal Reserve Bank of
Ken Isaacson
Vice President, Federal Reserve Bank of
Senior Vice President, Federal Reserve Bank of
Inside the ACH File: A Walk on the Technical Side
608
1:00 p.m. - 3:00 p.m.
Workshops
This workshop is a must for anyone supporting ACH services, aspiring AAPs, or individuals desiring to bring their ACH knowledge closer to the expert level. Learn about ACH file and data specifications, code values, field definitions and requirements, record layouts, and more. Speakers take participants through an exercise of writing an ACH file without the assistance of software or a computer. Participants gain the technical knowledge needed to understand the details of an ACH file, helping their organization to provide better assistance to corporate customers experiencing problems with the creation of their ACH files. Suggested companion workshop is ACH 201.
Level: Fundamental
Mary Kate Cole, AAP
Vice President,
Charles E. Floyd Jr., AAP
Manager, Education, Viewpointe CS & Association Services
Payments Risk 101 - A Risk Management Roadmap
609
1:00 p.m. - 3:00 p.m.
Workshops
This valuable workshop provides attendees with a roadmap for establishing and maintaining a risk management program that can be easily understood and implemented by bankers, their management, and credit management. It offers a complementary approach to underwriting focused on creditworthiness to support settlement risk and customer internal controls to guard against losses due to errors or fraud made possible through variations in file structures, delivery channels and control tools and processes. Speakers address the challenges associated with keeping bankers trained on risks, developing a credit policy that provides guidance for the evaluation and management of credit and fraud risks based on risk controls available to the ODFI, and the importance of broad-based participation in the daily management of files causing exceptions. Also discussed are quantification and qualification of exposure and the relevance of distinguishing between maximum potential exposure and practical risk in the underwriting process as well as ideas for evaluating third-party senders and, where appropriate, their customer-Originators. Suggested companion workshop is The Changing Legal & Regulatory Environment or Creating a Partnership: Third-Party Senders & Banks.
Level: Fundamental
Keith Crockett
Operations Risk Manager, Corporate Risk Management, BBVA Compass
Dan Heller
SVP, Treasury Management. Credit Supervisor, Wells Fargo
Alternative Payments Primer
613/614
1:00 p.m. - 3:00 p.m.
Workshops
New payment channels and technologies are being introduced at a breakneck pace. If you're finding it difficult to keep up with them all, this workshop is for you. Speakers 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, Revolution Card, PayPal, Google Checkout, Amazon Flexible Payments,
Level: Fundamental
Melissa Lowry
Vice President, Wells Fargo
George Peabody
Director, Emerging Technologies Advisory Service, Mercator Advisory Group
ACH 201
602/603
3:30 p.m. - 5:30 p.m.
Workshops
This workshop builds on principles addressed in Introduction to the ACH & the
Level: Intermediate
Director, Education & Rules Development, NEACH
Kimberly W. Rector, AAP
Senior Director, Education, MACHA - The Mid-Atlantic Payments Association
Interpreting Returns: What Originators Can Learn from ACH Return Data
604
3:30 p.m. - 5:30 p.m.
Workshops
Analyzing your ACH returns and acting on what you learn can improve your collection rate, reduce your transaction processing costs, and speed your company's cash flow. In this eye-opening workshop, presenters categorize ACH returns by the problems that cause them. Attendees learn to identify problems encountered at the account holder level that result in R01 Insufficient Funds, R02 Account Closed returns, and R03 No Account/Unable to Locate Account returns. Speakers address common areas of confusion regarding authorization language provided to consumers and common transaction initiation errors that cause R08 Payment Stopped or R10 Customer Advises Not Authorized returns. In the B2B space, incorrect or insufficient information can result in ACH blocks and filters stopping debits to recipient accounts. Speakers discuss simple changes Originators can make to reduce their return rates and examine ways in which corporate practitioners can increase their collection rate on return re-deposits. Suggested companion workshop is Making the Payments Decision: Best Practices for Corporate Originators.
Level: Intermediate
Thomas Carlton Jr., AAP
VP, Strategic Business Development, FIS
Arthur Hilgert, AAP
VP, ACH Product Manager, Wells Fargo
Gary B. Nesbitt, AAP
SVP, Administration & Training, EastPay, Inc.
Introduction to the Prepaid Card
606
3:30 p.m. - 5:30 p.m.
Workshops
Speakers in this workshop examine the strategic, business, and operational aspects of pre-paid or Stored Value Cards from the financial institution and distributor points of view for branded and non-branded products. Topics covered include types of pre-paid offerings such as gift cards and payroll cards, open loop versus closed loop, how cards operate, risks associated with card issuance and acceptance, unique characteristics of pre-paid cards versus "standard" debit cards, and key legal and regulatory issues associated with these products. What is the future of prepaid cards, and how will payroll, healthcare, and government benefit usage in the future. Suggested companion workshop is Card Payments 101.
Level: Fundamental
Janet C. Guthrie
Vice President, MasterCard Worldwide
Kristen Trusko
President & Executive Director, NBPCA
International Payments Primer
607
3:30 p.m. - 5:30 p.m.
Workshops
This workshop offers a concise and comprehensive crash course on global payments. Concepts covered include payment method alternatives, risk management, foreign exchange, message standards, emerging payment types, regional updates, Islamic banking, and regulatory issues. Speakers explain key terms, players, and industry developments. Whether you work for a company with international disbursement and/or collection needs or a financial institution addressing the global payment needs of its customers, this workshop gives you a solid understanding of global payments and what they mean to your organization. Suggested companion workshop is U.S. Payments Systems Primer.
Level: Fundamental
Executive Vice President, Wells Fargo
Managing Director, J.P. Morgan
Creating a Partnership: Third-Party Senders & Banks
608
3:30 p.m. - 5:30 p.m.
Workshops
Third-party senders and financial institutions, when working together to develop a strong ACH origination strategy and processing profile built on sound operating controls, provide the ACH Network with high quality transactions that deliver significant value to both originators and receivers. Speakers explore the working relationship between third-party senders and financial institutions and examine a high-level case study that highlights an ACH implementation strategy and tactical activities leveraged on an ongoing basis to manage quality. Suggested companion workshop is Payments Risk 101 - A Risk Management Roadmap.
Level: Intermediate
Joseph T. Belczyk
VP, ACH & EC Operations, PNC Bank
VP, Electronic Payment Processing, TeleCheck Services, Inc.
The Changing Legal & Regulatory Environment
609
3:30 p.m. - 5:30 p.m.
Workshops
How far is the law lagging behind technology in the brave new world of payments convergence? It is time to change the law or regulations that apply to processing checks (Uniform Commercial Code and Regulation CC) or electronic payments (The Electronic Funds Transfer Act and Reg E)? The rules for paper checks converted to image or ACH items differ for processing, returns, and adjustments. Should the law acknowledge "payments convergence" and develop a unified legal approach? What would that look like, and what would it mean for the industry? Come to this session and learn where the industry is going, what the possible outcomes are, and when we might arrive. Suggested companion workshop is Payments Risk 101 - A Risk Management Roadmap.
Level: Intermediate
Partner, Alston & Bird, LLP
Jeanette Hait Blanco
Senior Counsel, Bank of
Mobile Banking - Getting on Board
613/614
3:30 p.m. - 5:30 p.m.
Workshops
Many payments experts believe everyone should jump on the mobile payments bandwagon while there are still open seats. Do you have the answers you need before making the jump? Presenters in this workshop analyze topics that directly influence the outcome of an organization's mobile payments strategy - mobile operator control, operator billing, and underlying payments mechanisms. These systems have varying capabilities and economics associated with them. Can mobile adapt 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? Suggested companion workshop is Alternative Payments Primer.
Level: Fundamental
Senior Vice President, Wells Fargo
Christopher Peper
VP, Mobile Strategy & Operations, U.S. Bank