All Sessions

PAYMENTS 2019 Sessions

Below is a full list of sessions sorted by educational tracks

ACH Track


Sponsored by jp morgan

2019 NACHA Operating Rules Update 

As ACH payments continue to become faster and smarter, the lines between risk management, compliance and optimized user experience are rapidly blurring. To address this evolution, in 2018 NACHA proposed and balloted several key enhancements to the NACHA Operating Rules. Join two members of NACHA’s Rules and Operations Committee for a recap of the changes and industry insights gained throughout the rulemaking process. Attendees walk away with an understanding of what has changed, how to prepare your organization accordingly, what’s coming next in the pipeline, and how you can make your organization’s voice heard in the rulemaking process.

Questions answered by this session:
1. What are the recent changes to the Rules?
2. How can you prepare your organization for what’s coming next in the pipeline and how you can make your organization’s voice heard?

Andrew Barlow, AAP, NCP
Executive Vice President, WACHA - The Premier Payments Resource

Jen Wasmund, AAP, CTP, NCP
Enterprise Payments Risk Manager, Capital One

ACH: Big Tech But Little Usage? - Spotlight

While nearly half of all consumer bills are paid via ACH, speakers reveal the underlying reasons why many companies still do not leverage ACH as a payment method. Each speaker is challenged to examine the user experience, risk concerns, and transaction fees of credit/debit cards and and PayPal, and address how new innovations such as online bank login, Same Day ACH, The Clearing House's Real-Time Payments rail, and Zelle are either starting to shift the paradigm or are falling short of user expectations.

Questions answered by this session:
1. What is keeping big tech companies – experience, risk, fees – from offering ACH as a payment method?
2. Are the recent advances in direct bank payments meeting the expectations of these corporates and, if not, what capabilities are still needed to create a seamless payment experience?

Josh Karoly
Global Payments, Netflix

Shawn Princell
President, Cash Flow Solutions

An ODFI’s Guide to ACH Origination Agreements

ACH origination services require an understanding of risk. As faster payments continue to progress and mobile payment applications gain ground, more community banks and credit unions are becoming ODFIs and they need to be prepared to accept the risks associated with it. Risk should be addressed beginning with the ACH Origination Agreement, as it is a vital component in laying down the law for both sides. Originators need to know their obligations to ODFIs, as well as their responsibilities and service parameters. In this session, attendees walk through the ACH Origination Agreement to review each section of a typical agreement and discuss various areas of risk and proper risk mitigation techniques.

Questions answered by this session:
1. How does each area of the agreement address different risk scenarios?
2. Depending on the FI and type of Originators, what are some sound practices to mitigate risk?

Julie Bobb
Vice President, Senior Product Manager, Bank of the West

John Curtis, AAP, APRP, NCP
SVP, Education & Training, WesPay

Scott Jones
Partner, Adams & Reese LLP

Automating ACH Exceptions

Each day, thousands of requests for Record of Authorizations are faxed from RDFIs to ODFIs. The NACHA Operating Rules require that ODFIs comply with these requests within 10 business days. But it is still a frustrating exercise for RDFIs: Where do I fax my request and to what contact? How do I know where my request is during processing? Further, it's expensive for ODFIs to comply with the growing volume of requests. To address this issue systemically, several new automated systems are becoming available for U.S. financial institution to access participating ODFIs electronically to request ROAs. This session explores three potential solutions from NACHA, the Federal Reserve, and U.S. Dataworks, and how all Network participants can benefit from these services.

Questions answered by this session:
1. What are the three potential solutions to communicate electronically with other FIs?
2. How might an RDFI benefit from submitting requests electronically instead of via fax?

Heather Nelson
VP, ACH Treasury Services, Wells Fargo

David Peterson
President, U.S. Dataworks Inc.

Phillip Ridgway
RPO Product Development Officer, Federal Reserve Bank of Atlanta

Moderated by: Amy K. Morris
Senior Director, ACH Network Rules, NACHA

How to Simplify & Manage Risk for Small Business ACH

Historically, there have been real barriers to small business ACH origination adoption. With recent technology and ACH network advancements, do those barriers still exist? Can risk be mitigated while still opening the door to this sizeable market segment? Join a panel of payments product, operational, and legal risk experts for this dynamic session to understand untapped use cases, and learn sound business practices for offering streamlined enrollment and payment initiation while mitigating credit, operational and fraud risk.

Questions answered by this session:
1. How can risk be minimized for small business ACH origination?
2. How can the industry grow small business ACH?

Ivy Gupta
Treasury & Payments Attorney, SunTrust Bank

Britton Nastasi
Treasury & Payments Operational Risk Manager, SunTrust Bank

Alicia Treadway
Digital Channel Manager, SunTrust Bank

Increasing ACH Adoption in Retail: The Business Case for ACH + Account Connectivity

Despite high interchange fees that eat into a merchant’s realized revenue, credit cards have won the lion's share of payments volume. While ACH provides a low-cost alternative, without consumer incentives to drive adoption and additional controls to mitigate risk of fraud and NSF fees, some may say ACH falls short compared to cards. However, account connectivity technology can give ACH the competitive edge it needs to be adopted as a preferred payment method in the digital age. Merchants can then increase the convenience and reduce the risk (e.g., NSF fees and fraud) associated with ACH. Ultimately this will enable merchants to increase realized revenue and deliver value back to their customers in the form of rewards incentives and lower prices.

Questions answered by this session:
1. Why does ACH have a bright future ahead in retail payments?
2. How can account connectivity enable merchants to increase ACH adoption?

Lowell Putnam
Chief Executive Officer, Quovo

Yelena Reznikova
Director of Partnerships, Quovo

Leveraging Data Analytics in an ACH File

Learn about what hidden gems to look for in DDA transactions as you explore competitive trends and learn how leveraging data will help you navigate a changing landscape. In this session, you will learn how to capitalize on the data, and better understand the competitive trends and the tales they tell.

Questions answered by this session:
1. How can an institution leverage data to manage the risks of shrinking deposit and loan growth as interest rates increase?
2. How can an institution capitalize on the data to help understand the competitive trends?

Traci Berriman
Senior Director, Strategic Services, MACHA

Russell Heiser
President & CEO, Segmint

Mark Nelson
EVP, CIO, CIF, Horicon Bank

Recent Developments in Electronic Payments Law

Staying abreast of the numerous and often complex developments in the legal and regulatory framework for payments can be daunting. Yet understanding the implications to an organization's ACH activities is crucial. In this session, receive a thorough review of significant legal issues raised by current developments in electronic payments law, including recent amendments to the NACHA Operating Rules.

Questions answered by this session:
1. What are some significant legal issues raised by current developments in electronic payments law?
2. What are the implications to an organization's ACH activities?

Jane E. Larimer
Chief Operating Officer & General Counsel, NACHA 

Jane K. Winn
Professor of Law, University of Washington

Same Day Uncle Sam: How the U.S. Treasury is Supporting Faster Payments

Learn how the U.S. Treasury is working to enhance and modernize government payment and collection systems to support faster payments initiatives and leading edge financial technologies. Hear about current modernization initiatives and how they are shaping the future of government payment and the payments community, as a whole. Attendees will also learn about Same Day ACH usage to date and lessons learned from implementation, as well as other initiatives supporting faster payments and collections processing systems.

Questions answered by this session:
1. What challenges did the U.S. Treasury encounter in implementing Same Day ACH?
2. How can you adapt and promote adoption for customers?

Speakers to be announced
US Treasury Bureau of the Fiscal Service

Sorting Through ACH External Transfers

It’s so easy to get caught in the trap of allowing external funds transfers. How do you know that you are processing the proper ACH Entry to capture the appropriate authorization, while reducing your risks and staying compliant with the NACHA Operating Rules? Untangle the web of the Standard Entry Class (SEC) codes WEB debit, WEB credit, CIE, TEL, PPD and CCD, and take a spin through the fundamental differences of A2A, P2P, bill payments and recurring payments, the compliance and risks connected to these transactions, and tips to mitigate your possible fraud losses.

Questions answered by this session:
1. How can you ensure your TPSP implementation team knows authorization requirements, security and proper SEC codes?
2. How can you reduce the possibility of fraud losses when offering A2A/P2P through online banking?

John Cogdill, AAP
Specialist, Payments Education, ePayResources

Nanci McKenzie, AAP, APRP
Director, Strategic Innovation & Advisory Services, ePayAdvisors

Eveline Tenczar
Loss Prevention & Compliance Manager, Space Coast Federal Credit Union

Third-Party Perfect

Third-party partnerships present financial institutions with technology opportunities and service offerings they may be otherwise unable to provide without their partners' support.  These participants are unique and often misunderstood, yet vital to the ongoing growth and success of the ACH Network.  Since third parties act as the “middle man” for multiple Originators, the exposure to the ODFI is elevated, but manageable through enhanced due diligence and active monitoring. Join this interactive session and hear how an ODFI and two third parties have learned from experience to effectively manage and mitigate the risks associated with these relationships.  Panelists will share their perspectives on business, technology, risk, and compliance and how all of these are key ingredients result in a compliance culture that is “Third-Party Perfect.”

Questions answered by this session:
1. Why partner with third parties and what are the costs/benefits, with an emphasis on due diligence and a realistic approach to compliance monitoring?
2. What were the necessary steps taken before becoming NACHA Certified and what are the key ingredients of a solid third-party partner?

Steve Contino
Principal & Co-Founder, Unity FI Solutions

Wayne Gonzales, AAP, CAMS, CFE, CFI, CCII
SVP, Risk Management & Compliance, Payment Data Systems

Tim Thorson, AAP, CTP
SVP, Digital Payments, Regions Bank

Moderated by: Pamela T. Rodriguez, AAP, CIA, CISA
President & CEO, ePayAdvisors

Turbocharging ACH with Emerging Tech for Faster Business Payments

The next evolution in business payment efficiency and intelligence is coming in the wake of emerging technologies such as blockchain, wallets, AI, big data, the public cloud and more. Accelerating and streamlining payments, as well as ensuring security and risk mitigation require an ecosystem of these technologies. This panel cuts through all of the noise and provides insights into how and when these emerging technologies can be leveraged to complement ACH by providing value to financial institutions and their business clients. Join the conversation and get the real story on what comes next for enabling faster, more intelligent business payments.

Questions answered by this session:
1. What are the trending innovations that will add the most value for business payments?
2. What's coming next in the business payments landscape and will financial institutions be threatened by this development?

Arun Gupta
Principal Open Source Technologist, Amazon Web Services

Vinay Pai
SVP, Engineering,

Moderated by: Jyotsana (Jo) Jagadish
Executive Director, Product Innovation and Payments Strategy, J.P. Morgan

U.S. Treasury's Move Towards Paperless Processes

The U.S. Treasury is the largest single Originator in the ACH Network today. Payments originated by the federal government – more than one billion entries annually – affect all financial institutions in many ways, including exception processing. Don’t miss this opportunity to hear how the Bureau of the Fiscal Service is seeking to reduce costs and increase efficiency within its payments processing structure. This session provides an overview of their new paperless initiatives and process improvements for Reclamations and claims of Non-Receipt, and other payments efficiency efforts.

Questions answered by this session:
1. How can an organization benefit from the newly implemented Treasury initiatives?
2. How can your organization easily identify ongoing issues or concerns for your members?

Lisa Innaurato
Business Analytics Specialist, Bureau of the Fiscal Service

Using Same Day ACH to Fund Your Child's Future

How can organizations use new payment technologies to combat fraud, while meeting the ever-increasing demands of their customers? This session highlights my529 and its use of Same Day ACH to improve its validation and security processes to protect themselves from increasing fraud attempts on their college savings plans. my529 demonstrates how they are using Same Day ACH to play defensively to stop fraud while also leveraging the additional speed to improve their offensive performance and score a win with their customers. This session highlights my529 a dit use of Same Day ACH to improve its validation and security processes to protect themselves from increasing fraud attempts on their college savings plans, and touch on their past experiences and challenges. my529 demonstrates how they are using Same Day ACH to play defensively to stop fraud while also leveraging the additional speed to improve their offensive performance and score a win with their customers. 

Questions answered by this session:
1. How has my529 used microdeposit validation in conjunction with Same Day ACH to allow them to address both fraud and customer service concerns?
2. How will the validation and security procedures implemented by my529 comply with the Commercially Reasonable Fraud Detection?

Gregory Rettinger, AAP
V.P. Global Treasury Management, U.S. Bank

Troy Runnells
Senior Director for Strategy and Business Development, my529

What is the Future of the ACH Network? - Executive Series

As change continues in the payments ecosystem, financial institutions are evaluating how they use the various payment rails, while developing strategies to rationalize and modernize their internal systems and product offerings. A key consideration is how they will use the ubiquitous ACH Network – which has continuously evolved since its inception to enable financial institutions and their customers to capitalize on new capabilities an derive greater value – into the future. Panelists in this session share their vision for the ACH Network and engage session participants in discussion on its future. 

Questions answered by this session:
1. ACH Network volume has increased by more than one billion transactions annually over the past four years. What are its prospects for growth into the future?
2. How does the industry view the ACH Network and what needs to be done to ensure its continued vibrancy and relevance?

Roy DeCicco, CCM
Managing Director, Network Management, J.P. Morgan

Ray Fattell
Head of Product Management, Transaction Banking for the Americas, MUFG Union Bank

Jane E. Larimer
Chief Operating Officer & General Counsel, NACHA 

Laura Listwan, AAP, CTP
Senior Vice President, Head of Commercial Payments Products, Fifth Third Bank

Moderated by: Rossana Salaris Thomas, AAP
Director, KPMG

What You Gonna Do When NACHA Calls on You?

Over the last several years, significant strides have been made to enhance risk management within the ACH Network and to improve origination practices. Recently, the NACHA Operating Rules were amended to further reduce the number of returned entries. Join speakers for an overview of these Rules and the enforcement process, and hear from a community bank and its Originator about their experience related to exceeding a return rate, including what actions they took to resolve the issue.

Questions answered by this session:
1. How does the Rules Enforcement process impact Originators?
2. What are some real-life solutions to origination issues that can be applied to your organization?

Christine Barthel, AAP
Electronic Banking Officer, Lake City Bank

Matt Marietta
Chief Executive Officer, Carmel Solutions LLC

Shelly Sipple, AAP, APRP
Director, Certifications & Continuing Education, EPCOR

Compliance & Regulatory Track

AI, Alexa, Authorizations & ACH

With the advent of Alexa and Siri and all of their "friends," what are the possible roles for artificial intelligence and voice activated personal assistants in ACH payments? This very human discussion examines what can be done now and in the near future using these tools to advance payment capabilities.

Questions answered by this session:
1. What are the issues for data security and privacy with regard to voice recognition and ACH payments?
2. Does “Alexa” understand Regulation E or what the NACHA Operating Rules require for authorizations?

Jeanette Hait Blanco
Assistant General Counsel, NACHA 

Janice Havins
Executive Director & Assistant General Counsel, J.P. Morgan

Karen Sylvester, AAP, NCP, CAMS, CRCM
Director, Regulatory Compliance, EPCOR

Audit Lessons: Learn from Mistakes and Improve Your ACH Operations

This session provides insights from an auditor, regulator and an FI on how to prepare for the ACH Compliance Audit, and what can be learned from the audit to improve their ACH payments operations.

Questions answered by this session:
1. What are some best practices for preparing and gathering requested documentation  for an audit? 
2. How can you use audit results to help prepare for future audits?

Tony DaSilva, AAP
Subject Matter Expert, Federal Reserve Bank of Atlanta

Kay Dugger, AAP
ACH Product Manager, Huntington National Bank

Jennifer Kline, AAP, APRP, NCP
Director, Audit Services, EPCOR

Bank & Fintech Partnerships: The Prepaid Model

Fintech companies that do not obtain their own charter or license will need to partner with a financial institution to provide depository, lending and payment services. Some companies will simply act as Third-Party Service Providers to FIs, but fintechs that want to be the brand and own the customer relationship will need to create new business models supported by more complex legal relationships. Prepaid debit card programs provide an accepted model for such arrangements. This panel discusses the legal relationships between prepaid issuers, program managers, processors and other service providers; allocation of risk and responsibility among participants; and regulator review and approval of prepaid programs.

Questions answered by this session:
1. How can prepaid debit card programs provide a model for structuring partnerships between financial institutions and fintech companies?
2. What are the essential elements of a prepaid program that should be mirrored in fintech partnerships adopting the model?

Brad Fauss
General Counsel, Wirecard North America, Inc.

John Hagy
Chief Policy Officer, MetaBank

Stephen Middlebrook
Of Counsel, Womble Bond Dickinson

Common Mistakes in Third-Party Payee Authorizations

This session highlights common mistakes Originators make when obtaining authorizations from consumers and third parties, and addresses what can occur when customers change the original authorization or even revoke it completely. Attendees come away with guidance and practical solutions to help minimize these mistakes.

Questions answered by this session:
1. How can an organization help originators identify areas where their process for obtaining and relying on customer authorizations make contain weaknesses or deficiencies?
2. What is some guidance and practical solutions to correct mistakes that originators can implement in their organizations immediately?

Susan Chylik
Member, McGlinchey Stafford

Consumer Finance Regulatory Updates

This session provides regulatory updates of relevant consumer financial regulatory developments, with a particular focus on the CFPB and the Federal Trade Commission. Topics addressed include  use of the Congressional Review Act to impact consumer financial regulations, as well as the status of ongoing CFPB regulations, including the Prepaid Account Rule, Payday Lending Rule, Gramm Leach Bliley, and UDAAP Developments.

Questions answered by this session:
1. What are the regulatory developments in the consumer financial space?
2. What are the possible future developments in the consumer financial regulatory space and which are most relevant to their daily work and potential impact to business?

Brandis Anderson
Product & Regulatory Counsel, Plaid, Inc.

Elizabeth Corbett
Deputy General Counsel, State Employees' Credit Union

Genessa Stout
Director, Consumer Products, PayPal, Inc.

Federal Reserve Town Hall

The Federal Reserve has continued to pursue payments improvements in the U.S. by enhancing its service offerings over the past year; evolving wire, ACH and electronic check services to meet the changing needs of the payments ecosystem; and helping to ensure the system’s safety and security. Attend this session to hear from senior Fed executives about efforts to support a world-class payment system that is immediate, ubiquitous, broadly inclusive, safe, highly secure and efficient. They also cover the latest on the Fed's assessment to determine its role in the U.S. faster payments system, while delving into the latest payments regulatory news and updates to paint a vivid picture of what customers can expect to see in the coming years.

Questions answered by this session:
1. How has the Federal Reserve continued to pursue payments improvements in the U.S.?
2. What role will the Federal Reserve play in the U.S. faster payments system and what is in store for payments regulatory payments?

Shonda Clay
ECM Executive Vice President, Customer Relations Support Office, Federal Reserve Bank of Chicago

Susan Foley
Senior Associate Director, Program Direction, Board of Governors of the Federal Reserve System

Kenneth S. Isaacson
Senior Vice President & Wholesale Product Manager, Wholesale Product Office, Federal Reserve Bank of New York

Cheryl Venable
Executive Vice President & Product Manager, Retail Product Office, Federal Reserve Bank of Atlanta

Moderated by: Connie Theien
Director, Payments Industry Relations, Federal Reserve Bank of Chicago

Payments Modernization and Open Banking in Canada: Compliance Considerations and Fraud Management

Speakers in this session introduce the goals and initiatives of payments modernization in Canada and associated challenges. The conversation will focus on nonbank payment service providers (PSPs) and the Real-Time Rail (RTR). Gain insight on fraud management and the RTR, including monitoring for fraud management and participant compliance with standards and rules, as well as an update on the Canadian government's next steps on an open banking consultation paper.

Questions answered by this session:
1. What are the potential compliance considerations for non-bank payment service providers (PSPs) seeking direct access to the Real Time Rail (RTR)?
2. How could fraud risk be managed in the RTR?

Charles Docherty
Assistant General Counsel, Canadian Bankers Association

Jacqueline Shinfield
Partner, Blakes

Jason Young
Director & Corporate Secretary, PayPal Canada

Privacy Compliance for Financial Institutions

Worried about the impact of the new California Consumer Privacy Act on your financial institution? So are we. The speaker discusses the requirements and obligations of this significant law that will take effect in 2020, with an emphasis on possible effects for financial institution. Attendee dialogue is encouraged and attendees leave with a better understanding of what preparations can be made now.

Questions answered by this session:
1.How will the California Consumer Privacy Act affect your organization?
2. What should be done to prepare for compliance with the Act?

Alma Angotti
Managing Director, Co-Head of Global Investigations & Compliance, Navigant

Daniel Wood
Attorney, Pillsbury Winthrop Shaw Pittman, LLP

Real-Time Payments & Regulatory Balkanization

Speakers in this session examine the current regulatory landscape and the possible affects on the speed of adoption of new payment capabilities. Panelists provide their thoughts on what is working well and what could be improved, while offering a look at how the U.S. compares to the rest of the world as the industry – and the regulatory environment – continue evolving.

Questions answered by this session:
1. What are some of the different mechanisms (rules, regulations, contracts) used to assure safety and efficiency of the payments experience?
2. What are the strengths and weaknesses of the regulatory and governance framework in the U.S.?

Michelle Lewis
VP, Payments Governance Risk and Operations, Early Warning

Samantha Pelosi
Senior Vice President, Payments and Innovation, BAFT

Gary Stein
Deputy Assistant Director, Office of Card, Payment & Deposit Markets, Consumer Financial Protection Bureau

Matthew Vanhouten
Senior Director of Visa Direct Platform Strategy & Innovation, Visa Inc.

Regtech: The Advantages & Challenges of New-Age Compliance Technologies

This session explores the practical advantages and challenges that the new-age regtech solutions bring to the table. Speakers review various aspects to consider about managing compliance operations as they relate to regtech solutions. Attendees leave with a 360-degree perspective from compliance executives covering financial institutions, fintechs and vendors.

Questions answered by this session:
1. What are the different types of regtech solutions available for conventional FIs and payments companies? What are the potential impacts as seen by fintechs?
2. What regulatory challenges should fintechs keep in mind while considering adopting a new-age regtech solution?

Amelia Childress
Compliance Director, Square

Melissa Raman
SVP, Head of Sanction Compliance, Banc of California

Jas Randhawa
Director, Fintech Compliance, PwC

Third-Party Risk: Managing Risk Across Multiple Payments Rails

Fintech, Third-Party Senders, third-party payment providers, payment facilitators, merchant acquirers and others are all creating new and innovative ways for consumers to move money on a multitude of payment rails. As an intermediary between the financial institution and the consumer, how do you innovate while controlling risk? As a financial institution, should you be in this profitable business and how do you find and onboard new customers while controlling risk and keep your regulators happy? Speakers define expectations of a reputable compliance and risk program that may be used by third parties and financial institutions wishing to do business with third parties.

Questions answered by this session:
1. How can an organization manage risk across multiple payments channels?
2. How should an organization develop a compliance and risk management program to monitor payments while facilitating transactions?

Jordan Bennett, AAP
Senior Director, Network Risk, NACHA

Deana Rich
Founder & COO, Infinicept

Unclaimed Property Compliance

This session assists financial institutions on how to identify what unclaimed property is and how to get into compliance while reducing exposure and liability. Speakers engage with attendees on a variety of levels, including through the use of a white paper and quiz to help ensure compliance with the laws and provide attendees with tools, including a glossary, white paper, and a useful quiz to help ensure compliance.

Questions answered by this session:
1. Why must your organization be compliant with state unclaimed property laws?
2. How do laws differ from state to state?

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

Michael Ryan
SVP, Business Development, Georgeson LLC

Cheryl Tiedt, AAP
Cash Manager, Thrivent Financial

What We Can Learn from Europe's Successes and Mistakes

Speakers in this session review the legal and business changes that are reshaping the payments market in Europe, and provide U.S.-based financial institutions and payment processors with insight into what they can do to get and stay ahead of their competitors. Topics include the EU's passporting system; the UK's fintech sandbox, PSD2 and open banking requirements; and how the GDPR is reshaping privacy and data security, even for entities that have no presence in Europe. The panel discusses which of these initiatives have been successful and which have been missteps, providing U.S. financial institutions and payment processors with insights that will keep them ahead in the payments innovation race.

Questions answered by this session:
1. How does the OCC's proposed limited-purpose fintech bank charter and the CFPB's new Office of Innovation align with the changes in Europe?
2. How can lessons learned in Europe shape the U.S. payments ecosystem?

Cindy Fazio
Chief of Regulatory Affairs - Consumer Services, Washington Department of Financial Institutions

Erin Fonte
Member, Dykema Gossett PLLC

Brenna McGee
Attorney, Dykema Gossett PLLC

Working Out Cannabis Banking Issues

While some states have approved legalized recreational cannabis, 46 states have legalized some form of medical cannabis or cannabidiols (CBDs). It is projected that the legalized cannabis industry will create more than a quarter million new jobs by 2020. Yet it is still illegal on the federal level. This regulatory structure creates unique problems for businesses looking to obtain financial services, and for every financial institution – not just those willing to offer basic business account services to the industry. Panelists discuss lessons learned regarding banking issues from the frontlines of the legalized cannabis industry as it continues to expand.

Questions answered by this session:
1. What are the regulatory impacts of the legalized cannabis industry on the banking industry?
2. How can financial institutions develop a cannabis banking policy even if they are not directly involved in the industry?

Cora Parker
Director of Finance, Oregon State Treasury

Jim Petkovits, AAP, APRP, NCP
Vice President of Education, WesPay

Rachel Pross
Chief Risk Officer, Maps Credit Union

Corporate & End User Perspective

Corporate Banking Technology Trends

According to Oliver Wyman, technology has grown to become 15–20 percent of the wholesale banking cost base. But the $30 billion spent covers all core business functions and support areas, with limited funds left over for other solutions, making understanding the trends affecting corporate banking and  targeted decisions critical. The session highlights 10 trends, grouped into three themes: achieving digital and omnichannel ambitions, exploiting innovation and fintech, and executing legacy and ecosystem transformation.

Questions answered by this session:
1. What trends are most profoundly affecting corporate banking today? 
2. What are the next best actions for financial institutions and their technology partners?

Patricia Hines, CTP
Senior Analyst, Celent

Corporate Journey to Real Time

For the first time in 40 years, corporates have a huge opportunity to rethink the way they make and receive payments. This opportunity comes across both in terms of shifting from massive amounts of data and in reworking the back office for efficiency. Hear from leaders on how they are using faster payments to transform themselves in an industry embracing the need for payment speed.

Questions answered by this session:
1. How do corporates adapt the business case for Real Time Payments?
2. What are the barriers to the corporate journey?

Kevin Curran
Director - Client Solutions, IQVIA

Ed Kelley
Vice President of Financial Institutions, Transcard

Kenneth Tirpack, CPA, CTP
Senior Consultant Treasury, Nationwide

Moderated by: Gene Neyer
Executive Advisor, Payments, Icon Solutions

Faster Payments for a Faster World

In today’s digital economy, the speed and complexity of doing business is increasing as businesses look for more innovative payment solutions. Faster payments are at the center of this digital revolution and the U.S. market has seen a recent increase in the development of innovative payment products. In this session, speakers discuss the transformative impact immediate payments will have on the future of payments and how it opens the door for innovative business solutions.

Questions answered by this session:
1.  What does Uber consider to be current pain points and the perceived value of immediate payments?
2. What are some lessons learned from real-time payments implementation from the FI perspective?

David Tao
Senior Treasury Manager, Uber

Colleen Taylor, CCM, NASD
EVP, New Payments, Mastercard

Christopher Ward, CCM
EVP, Head of Product Management and Operations, Treasury Management, PNC

How American Greetings Used AI to Move to Electronic Formats

American Greetings receives more than 66,000 payments per year, with an average of 160 lines per remittance. This huge volume dragged down their systems with slow response time and increased reporting issues. To add to the complexity, their business model offers highly customized pricing and discounting options for customers, creating high probabilities for payment variances. Using technology driven by artificial intelligence, American Greetings has moved more customers to electronic formats and automated their cash application operations to achieve invoice matching in excess of more than 95 percent straight-through processing. Learn from their experiences and share your own in this interactive session.

Questions answered by this session:
1. How can AI quickly and accurately process large volumes of complex invoices with many deductions? 
2. Can invoice matching in excess of 95+ percent straight-through processing?

Lauren Kennedy
Financial Services, American Greetings

Integrated Receivables: How MSC Industrial Supply Realized its Benefits

MSC Industrial Supply implemented an integrated receivables solution two years ago and has seen many benefits with streamlining their receivables processing. This session highlights the pain points MSC was attempting to solve and how implementation helped them achieve a streamlined receivables process. Speakers discuss the pros and cons of embarking on such a project, the roadblocks they faced and the successes they have experienced. Attendees leave the session with an understanding of how receivables automation has evolved, with fintechs taking a larger role and partnerships with financial institutions to help corporations improve receivables overall.

Questions answered by this session:
1. What are the benefits of implementing Integrated Receivables?
 2. How can Financial Institutions work with Corporates to add value with a streamlined receivables process?

Lucy Diasio
Group Product Manager, Integrated Receivables & E-Payments, U.S. Bank

Leaving Paper Payments Behind: Tips from the Corporate Perspective

With billions of paper checks continuing to be issued in the U.S. each year, corporates are looking for innovative, cost-effective, secure and creative ways to “shred” the number of paper payments within their own organizations. Join speakers for a unique opportunity to hear ideas, hits and misses from two organizations leading efforts in developing a means to reduce the burden of paper in their payables and receivables processes.

Questions answered by this session:
1. Is there an instant cure for the paper blues?
2. How can modernization efforts in the industry assist you in developing a smarter payments initiative in your own organization?

EdaBeth Brown
Assistant Vice President, AT&T

Steven DeLutri
VP/MD & Assistant Treasurer, OneMain Financial

Julie Offen
Vice President, J.P. Morgan

Modern Techniques to Digitize A/R & A/P

While many organizations struggle to keep pace with digital payment innovation, others are reinventing their customer experience and improving their bottom line by leveraging emerging digital solutions across accounts payables (A/P) and receivables (A/R). In this session, speakers explore the latest emerging trends and innovations, and share firsthand experiences of how one of the world’s largest multinational insurance corporations is enhancing their client experience, managing cyber risk and improving their bottom line by leveraging digital solutions across their organization.

Questions answered by this session:
1. How have some organizations implemented digital tools to improve their AP & AR processes?
2. How can emerging digital trends such as AI and Machine Learning impact your organization?

Tom Lenahan
Assistant Director - Treasury, AIG

Andrew Stache, AAP
Executive Director – Payables & Receivables Digital Channels, J.P. Morgan

Operational Impact of Faster Disbursements

82 percent of corporates expect faster payments to save them money. But launching a new faster payment type can be a dream or nightmare for your operations team. Using case studies from early movers of sending funds faster to consumers, learn what makes launching faster disbursement options a boon to your operational efficiency. See how to reduce calls, prevent complaints, and save staff time while meeting consumers’ need for speed.

Questions answered by this session:
1. To what extent will there be a merging of payment types and infrastructure?
2. What new business models are on the horizon?

Steve Everett
Director, PayPal

Eric Foust
Sr. Director, Product Management, Early Warning

Keith Gray
Vice President, The Clearing House

Moderated by: Mahala Johnson
Director of Product Management, ACI Worldwide

Optimizing Smarter Payments Globally

Practitioners share how they have optimized global payments in a seamless fashion, utilizing best practice solutions specific to their customer requirements. Leveraging ISO 20022, faster payments, as well as payment smart routing and optimization, the ability to move quickly and decisively to deliver based on demand is imperative in today's environment. Speakers address how leveraging various tools have shifted their objectives to meet and exceed expectations.

Questions answered by this session:
1. How can consolidation of payment formatting via ISO enable more expeditious global payment deployment for the parties involved?
2. What are some best practice solutions that demonstrate how A.I. is playing a greater role in reducing friction for payments?

Rene Pelegero
Chief Operating Officer, RPGC

David Tao
Senior Manager, Treasury, UBER

Moderated by: Steven Bernstein
Executive Director, J.P. Morgan

Payment Assurance in a World of Faster Payments

The benefits of faster payments, richer messages, and tokenized identities are clear – improved operational efficiencies and security across A/P, A/R and Treasury, new business models and better customer experiences. Yet one of the critical concerns for corporates is the security and assurance of financial transactions. At this session, attendees learn about some of these emerging solutions focused on better authentication of customer identities and account data at onboarding, verifying account status before processing high risk transactions, and leveraging nonpayment data sets to improve payment assurance.

Questions answered by this session:
1. How do you measure the risk of newly on-boarded customers as it relates to their identity and account data?
2.  Does  payment account belong to the intended payee?

Chris Chazin
Director, Head of Emerging Payments and Receivables Products, Citi Treasury and Trade Solutions

Nikhil Nampalli
Senior Vice President, Citi Treasury and Trade Solutions

TechFin is the New Fintech: Improving B2B Customer Experiences from the Inside-Out

Great customer experiences created by Amazon, Lyft and Apple have changed all of our expectations about what constitutes a successful shopping trip, cab ride or training run. Meanwhile, Teach-in firms that are not yet household names are helping financial institutions update and upgrade the experiences that they deliver to their valued business clients. Panelists share real-world examples of how Teach-in has been creatively applied to advance the ability of financial institutions to build better platforms and apply machine learning to business customers' interactions, including reinventing enrollment and AI innovations that remove friction and strengthen security and confidence.

Questions answered by this session:
1. How are financial institutions and companies  partnering with techfin firms to delight business customers?
2. What is the future of financial services and how will the evolution of B2B services become a story of successful techfin partnerships?

Jason Carone, AAP, APRP, CTP
Product Management Director, Silicon Valley Bank

Jane Hennessy
G2 Web Services Consultant, G2 Web Services

Moderated by: Colleen Lindow, CCM, CAMS
VP, Strategic Partnerships,

The Impact of IVR on Call Center Volumes

Customer service can make or break a company’s success, so it comes as no surprise that it is an important focus for every growing business. Axia, an independent physician practice, was experiencing issues with the volume of inquiries to its call center. Learn how it implemented an electronic billing and payment system along with an interactive voice response (IVR) service  to redirect calls related to making payments from the call center to the automated system.

Questions answered by this session:
1. What is the value of a multichannel offering to get customers to view and pay bills 2. What has been the positive impact of a quality IVR on call center resources?

Kari Rolph
Vice President, Relationship Management, Transactis

Michelle Warfel
Vice President, Treasury Management Sales Officer, TD Bank

The Persistence of Cash in the Less-Cash Environment

In this session, attendees gain insight into new Federal Reserve research on consumer use of cash, the implications of changes in consumer behavior for financial institutions and retailers, and the risks associated with a “less-cash,” as opposed to a “cashless,” economy. Panelists describe how their institutions are balancing the need to make strategic investments in cash handling with relentless pressure to minimize business line costs. 

Questions answered by this session:
1. What are the implications of changes in cash use and handling practices at the consumer, retail, and financial institution levels?
2. What are the trade-offs between managing cash costs, investing in more sophisticated handling capabilities, and achieving payment system resiliency?

Amy Burr
Vice President, Federal Reserve System Cash Product Office

Shellie Crandall
Senior Vice President, Product Development, G4S

Anthony Gerevics
Managing Director, J.P. Morgan

Cybersecurity & Risk Track


Sponsored by Logo-BAML

Building Effective Defenses Against Card Payments Fraud

Cyberattacks on treasury operations are on the rise. Cybercriminals are breaking into payments accounts by deploying methods like man-in-the-middle attacks, business email compromise, and fake invoice attacks, while criminal insiders are finding new ways to walk away with poorly secured data. Treasury departments can shut off opportunities for payments fraud by partnering with employees and financial institutions. Taken together, common sense measures can provide a multilayered and highly effective defense that can dramatically reduce the risk of intrusion.

Questions answered by this session:
1. What are some of the most destructive attacks as a result of common vulnerabilities?
2. How can an integrated, multifaceted approach, coordinated with cybersecurity programs at the corporate and financial institutions levels minimize risk and mitigate consequences?

Patrick Cassada
Chief Financial Officer, Kettler

Lou Lobosco, AAP
Director of Fraud Risk Management, Commercial Bank, Capital One

Chad Wallace
Senior Director, Product Management, Capital One

Business Email Compromise: A Collaborative Approach for Success

Business email compromise (BEC) schemes are one of the largest threats companies face. One carefully crafted email sent to the right unsuspecting person can cost companies millions of dollars. Like many frauds, BEC scams continue to grow and evolve, targeting businesses of all sizes. To reduce victimization and bring awareness to this problem, it is imperative that law enforcement and financial institutions communicate and collaborate on best practices. This panel brings together stakeholders to discuss strategies, challenges and successes for combatting this scam.

Questions answered by this session:
1. How can law enforcement, financial institutions, and businesses  work together to prevent victimization by business email compromise schemes?
2. How does law enforcement investigate business email compromise schemes, and what role should financial institutions, and the businesses themselves, take in order to have a successful outcome?

Ralph Gagliardi, CFE
Agent in Charge, Cybercrime Unit, Colorado Bureau of Investigation
Eric Huber
Vice President of International and Strategic Initiatives, National White Collar Crime Center

Business Email Compromise: The Scam That Keeps Burning

In the last 18 months, there has been a 136 percent increase in industry losses due to a fraud scheme that uses emails that look legitimate, but aren't, to get payers to send electronic payments to fraudulent endpoints. These payments, if not identified rapidly, can be difficult to unwind. The session will explore the scope of these scams, and common misconceptions of email scams that are leaving businesses vulnerable to attack and significant losses. Review the scope of the problem from an industry perspective and effective measures that should be taken to reduce and eliminate this as a threat to you and your clients.

Questions answered by this session:
1. How do business email compromises occur and who is vulnerable?
2. What methods can be employed to reduce cases of BEC?

Tom Lopes
Senior Vice President, Citibank, NA

Cyber Spotlight: Strategies to Recognize & Overcome Cyber Threats

Cybersecurity threats are rampant, and oftentimes the non-technical threats are just as dangerous as high-tech vulnerabilities. Attacks can sweep quickly from your organization to your clients, vendors and other stakeholders. With the number of cyber-attacks trending upwards it’s best to plan for when an attack might occur rather than if. Are you ready? This session explores the evolution of cybersecurity risks, an overview of the landscape, new regulations, sound business practices for before, during and after an attack, and industry responses and suggested strategies on ways to respond to threats.

Questions answered by this session:
1. How can organization leadership deploy new technology and implement enhanced procedures to protect payments data?
2. How can organizations build robust KYC programs and embed them into an overall cyber resiliency program?

Gene Scriven, CISSP
Chief Information Security Officer, ACI Worldwide
Stephanie Zee
Global Cyber Risk Head TTS Payments & Receivables, Citi


Educating Your Organization on Cybercrime

There were more than $1 billion in global reported losses for cyber-enabled crimes such as account takeover, email compromise, and ransomware, with 75 percent of U.S. businesses hit with attempted check fraud in 2017. Learn how criminals use tools to exploit vulnerabilities, where they get these tools on the dark web and what your financial institution can do to educate your customers, members and internal teams about these schemes. Live demonstrations of hacking tools and dark web sites will be part of the session.

Questions answered by this session:
1. How can you bring awareness to your employees and protect your customers against cyber crimes?
2. How do you remain vigilant when facing frequently emerging fraud trends?

John Meyer
Chief Product Officer, Bankers' Tool Box
Patty Presta, AAP
VP, Professional Development Events, WesPay

Going Beyond Visibility & Taking Action on Transactions

While online banking systems offer visibility for transactions, they do not allow account holders to take action and protect themselves against suspicious activity. Financial institutions must enhance their fraud prevention strategy by empowering customers to detect and respond to suspicious activity before the funds ever leave their account. This requires an actionable online banking system that account holders to take action via online banking or via phone using automated interactive voice response systems that authenticate the caller using voice biometric technology, financial institutions can gain a competitive edge in a digital-first world.

Questions answered by this session:
1. How can financial institutions leverage digital banking offerings to enable fraud prevention tools?
2. How does shifting controls for fraud prevention to account holders improve the customer experience and support more efficient growth for financial institutions?

Kim Dodson
Treasury Services Manager, Citizens Union Bank
Deborah Peace, AAP
Chief Executive Officer, ACH Alert
Don Youngberg, AAP
Assistant Vice President of Business Services, Mountain America Credit Union

How Machine Learning Can Improve Fraud Detection

We analyze and learn from large data sets in small bites. To use that learning to detect fraud and cybersecurity threats, analysis needs to be faster, better and cheaper.  In this session, attendees will learn how innovations in machine learning could have a significant impact on fraud detection, particularly in mobile bank fraud, due to greater speed, better accuracy, and lower costs.

Questions answered by this session:
1. How can machine learning  be used to detect fraud better and faster?
2. Why should an organization put its data in the cloud?

Lisa Lee
Chief Security Advisor - Global Lead for Financial Services, Microsoft

How Prepared is Your Company to Respond to a Cyberattack?

Cyberthreats are the number one concern of global CEOs, ranked higher than over-regulation, technological change, and even taxes. Today’s cyberattacks are not a matter of “If” anymore, but “when," and many companies are not prepared. In this session, speakers address the common mistakes companies make that ultimately leave them unprepared for an attack, and discuss what companies should be doing to prepare, and who should be involved. Corporate attendees will be engaged to discuss what risks they have identified and planned for in their playbooks.

Questions answered by this session:
1. What are some common mistakes companies are making today in the current fraud landscape?
2. What does an incident response plan entail?

Jason Manar
Supervisory FBI agent, Cyber Squad - Miami, Federal Bureau of Investigation
Michelle Parent
Senior Treasury Consultant, Lincoln Financial Group
Mary Rosendahl
Director, Digital Channels, Bank of America Merrill Lynch

How to Survive a Cyberattack that Compromises Your ACH and/or Wire Transfer System

The banking industry has created three organizations – FS-ISAC, FSARC and Sheltered Harbor – to help financial institutions detect and recover from cyberattacks. This session will focus on how these organizations are working together to assist the industry. The session will also focus on how individual FIs can take advantage of the work of these organizations and continue to process ACH and wire payments during a cyberattack.

Questions answered by this session:
1. How are FS-ISAC, FSARC and Sheltered Harbor working together to assist the industry?
2. How can individual FIs take advantage of the work of these organizations and continue to process ACH and wire payments during a cyberattack?

Elliott McEntee
President & CEO, Payment Advisory Services

Insider Threat Detection-Fueled Continuous Authentication

Attendees take a tour of the dark web and the emerging “gray web” to better understand how cybercriminals are hunting for potential points of compromise in our payments ecosystems. Learn how to leverage threat intelligence and identity insights to disconnect malicious access, elevate risk, and authenticate users in high-risk situations to reduce false positives so legitimate users have access while malicious activity is contained.

Questions answered by this session:
1. What are the latest techniques cybercriminals are using to find potential points of vulnerabilities in our payments ecosystem?
2. How can you use threat intelligence and identity insights to quickly disconnect malicious access to minimize insider threats?

Angel Grant
Director, Identity, Fraud & Risk Intelligence, RSA

Same Day ACH: Not Such a “Risky Business!" - Briefing

Come to this discussion to learn about which types of risks to look out for and which types of risks actually decrease when processing transactions via Same Day ACH. Learn how to manage and control your financial institution’s risk profile with the tools available to you while taking advantage of the many opportunities Same Day ACH offers to your institution and your clients.

Questions answered by this session:
1. What is the current state of Same Day ACH from a risk management perspective?
2. What are some control points to align Same Day ACH risk mitigation to similar risk mitigation controls in your organization?

Peter Hohenstein
Senior Director, ACH Network Administration, NACHA
Amy Leslie, AAP
Executive Director, J.P. Morgan

The Payments Fraud Threat is Up. Will it Ever Stop?

Payments fraud is increasing and has reached record numbers.  This session highlights the latest trends based on the new AFP Payments Fraud and Control Survey, reflecting what has happened in the past year. Speakers discuss some protective measures that can help prevent fraudsters from picking your organization as their target, and a corporate practitioner shares insights on how they deal with payments fraud, providing attendees with actionable options for their own organizations.

Questions answered by this session:
1. What are some of the latest trends in payments fraud?
2. How can you make your organization unattractive to fraudsters?

Magnus Carlsson
Manager, Treasury & Payments, Association for Financial Professionals
Sassan Parandeh
Global Treasurer, ChildFund International

 Top 10 ways to Quantify & Manage Financial Crime Risk

The financial services industry and the financial crime ecosystem continue to evolve at a record pace. While customer expectations for immediate, omnichannel engagement and direct-to-consumer strategies continue to rise, there has also been a dramatic increase in fraud. At the same time, new technologies and channels increase opportunities for customer engagement, they also drive a more critical need for cross-channel monitoring to create a single view of the customer. Speakers discuss trends, strategic considerations for managing challenges,  and how key technologies and best practices can improve your overall approach to managing risk.

Questions answered by this session:
1. What are some ways to help manage fraud challenges?
2. What are some solution components of a flexible, sophisticated technology strategy?

Andrew Davies
Vice President, Global Market Strategies, Fiserv
Dave Richardson
Senior Manager Fraud & ATM Operations, First National Bank of Omaha

Using Tokenization to Reduce Data Risk

Tokenization can help secure your processing infrastructure. Original, sensitive data are generally stored in a hardened, electronic "vault" and replaced with a benign value or "token" representing the original information while providing an extra level of security. Come hear the challenges and benefits clients have experienced through their tokenization efforts and how they have successfully reduced their overall payments and receivables risk profiles.

Questions answered by this session:
1. How can an organization use tokenization to process exchanging sensitive information to a substitute or proxy value?
2. How has tokenization helped reduce payments and receivables risk?

Chris Chazin
Director, Head of Emerging Payments and Receivables Products, Citi Treasury and Trade Solutions
John Cliff, AAP, CTP
Emerging Receivables Product Manager, Citi Treasury and Trade Solutions

Disruptive Ideas & Technologies Track

Sponsored by Logo-Wells

AI: Shaping Payments & New Business Models in Banking

The adoption of faster payments as a global phenomenon is driving financial institutions toward a once-in-a-generation modernization of their business and operating models. Key to the transformation to ensure competitive relevance in today’s data driven real-time society is the harnessing of data and artificial intelligence to manage core parts of the business, as well as to develop new customer use cases. Attendees learn from speakers with real use cases of how AI is being used in payments – providing lessons and ideas to bring back  to their organizations.

Questions answered by this session:
1. What are some practical examples of how Artificial Intelligence can be applied to the payments process?
2. Are there other use cases where artificial intelligence, machine learning and cognitive services can generate new and relevant value for both financial institutions and their clients?

Peter Hazou
Business Strategy Leader, Microsoft

APIs in Payments: Practical Uses

APIs have become a hot topic in payments around the world as an enabler for new product development and open banking. Global markets are embracing change using APIs as the gateway for third parties to access bank account information and payment details to level the competitive playing field. This panel discussion  explores the landscape of APIs and what they mean for the U.S. financial services market. Learn about practical examples of APIs in action, the keys to success with APIs, and how they are moving up the value chain to enable richer solutions and improved client experiences.

Questions answered by this session:
1. What is the current API landscape?
2. What are some key factors and effective strategies for API implementation?

Millicent Calinog
Senior Vice President, API Product Management, Wells Fargo

Art Peters
Chief Operations Officer, Dow Chemical Employees Credit Union

Stacy Rosenthal
SVP, Head of Payments, Santander Bank

Moderated by: Nasreen Quibria
Senior Advisor, Innovation & Technology, NACHA 

Best Practices for Straight-Through Payments

This session explores best practices for executing volumes of large-scale payments. Speakers discuss what works most effectively from an onboarding perspective, how to minimize exceptions, how risk parameters impact the payment types utilized, and how emerging payments will impact future evaluations of onboarding payment processes. The cost of payment, as well as ease of reconciliation are also discussed.

Questions answered by this session:
1. What are some business practices for corporate practitioners for their payment types?
2. How are assessments for payment types  evolving relative to RTP, Zelle, Card and Same Day ACH?

Edabeth Brown, AAP
Manager, Treasury, AT&T

Alan Koenigsberg
Chief Development Officer, TraxPay

Christopher VanWoert
Director, Treasury, Stripe

Moderated by: Steven Bernstein
Executive Director, J.P. Morgan

Biller Directory Utopia

Corporations are looking for ways to eliminate paper checks, but incorrect or missing data issued by a remitter causes paper checks to be generated nonetheless. Is it possible to create data analytics to automate repair of this incorrect or missing data? Speakers address the practicality of implementing a systemic solution to benefit all financial institutions.

Questions answered by this session:
1. How can an organization Identify incorrect or missing data gaps, enabling electronic transmittal instead of a paper check?
2. How can an organization automate repair of the incorrect / missing data?

Rebecca Anthony
Associate, Operations Analyst, J.P. Morgan

Steve Hoffman
Executive Director, Operations Manager, J.P. Morgan

How Faster Payments Work at the Point of Sale - BRIEFING

Given how seldom new payment infrastructures are introduced, the new Real-Time Payment (RTP) System has provided corporates the opportunity to innovate and modernize the U.S. consumer payments experience. Witness an examination of the point-of-sale use cases this payment instrument enables and discover the impact RTP  has on corporates (B2C and B2B), the card networks, large issuers, small issuers, acquirers and consumers.

Questions answered by this session:
1. What does the RTP point of sale purchasing experience look like?
2. How can FIs reinsert their brand back into the point of sale?

Rene Pelegero
President, Retail Payments Global Consulting Group

Community Financial Institution Perspectives on Real-Time Payments

With early adopters now active on faster payment networks, community financial institutions must determine the right approach for their organization and develop their strategy for time-to-market, customer experience, technical integration, fraud mitigation, customer and operational support and monetization. This panel of community financial executives share lessons learned from their experience through this process, providing insights for navigating this unfamiliar territory by focusing on high-value priorities, delivering a great customer experience, and effectively managing vendor relationships for faster payment traction.

Questions answered by this session:
1. How can your organization develop compelling faster payments value propositions to attract and retain consumer and business customers?
 2. How does identifying the right FinServ or Fintech vendor to partner with determine a community FI’s ability to create the right value proposition to attract and retain consumer and business customers for long-term success?

Kelly Burdette
SVP - Digital and Product, Bank Independent

Misti Mostiller
EVP & Director, Bank Innovation & Product Management, Extraco Bank

Art Peters
Chief Operations Officer, Dow Chemical Employees Credit Union

Moderated by: Deborah Matthews Phillips, AAP
Managing Director – Payments Strategy, Jack Henry & Associates

Cross-Border Real-Time Payments: Vision or Reality?

While developing the message set required to launch and operate a domestic real-time payment system, most new market implementations are launching with an eye towards cross-border interoperability. With the continued growth of global commerce, the need for market infrastructures to focus on the ability to allow business processes and data content to operate cross-border in a fast, efficient, structured and secure manner is the natural progression. Speakers review market infrastructures and how faster payment services are being developed in local markets.

Questions answered by this session:
1. How are cross-border real-time payments being incorporated  by some market?  
2. How will corridor for cross border real-time payments develop as an approach to launching cross-border activity?

Irfan Ahmad
Senior Vice President, The Clearing House

Magnus Carlsson
Vice President, Association of Financial Professionals

Leo Lipis
Principal, Lipis Advisors

Moderated by: Roy DeCicco, CCM
Managing Director, J.P. Morgan

Debunking Real-Time Payments for Corporate Payments with Data and Experience - Executive Series

As real-time payments for businesses have become a reality with The Clearing House’s RTP system, many financial institutions are still struggling with the details. Speakers review adoption trends and implementation plans to help FIs still deciding if they will use the RTP system for corporate payments. This session dives deeper into operational considerations for choosing a technology strategy and how FIs are planning to deal with new challenges that come with a 24/7 processing schedule.

Questions answered by this session:
1. What are some considerations to keep in mind when building a business case to offer RTP?

2. How have the experiences been for one FI using RTP?

Erika Baumann
Senior Wholesale Banking Analyst, Aite Group

Carl Slabicki, AAP, CTP
Director and Product Line Manager for Immediate Payments, BNY Mellon

Demystifying the Innovation Center Model

Innovation centers are appearing in many geographies throughout the U.S., but who is involved and what tools and practices are they embracing? In Boston, the DCU Fintech Innovation Center has evolved into a place that enables innovators to focus on an idea and develop it through validation and innovation. This session provides two perspectives, one of the center manager defining how the center works and then from a fintech startup actively involved in developing a new solution for financial services.

Questions answered by this session:
1. What is the role of fintech centers in developing fintech solutions?
2. What are some unique challenges fintech's face in developing solutions?

Joe Casali, AAP, NCP
Senior Vice President, NEACH Payments Group

Vasilios Roussos
Managing Director, DCU Fintech Innovation Center

Distributed Ledgers: Building Blocks for Innovation

Distributed ledger technology (DLT) represents an opportunity to radically transform current business processes, resulting in more efficient and secure financial ecosystems that will reduce settlement times for digital and mainstream financial assets. As transactions become increasingly digital, it is important to recognize the number of potential applications for distributed ledgers.  Speakers discuss the widespread applications of DLT, the potential it has to change the way we process and secure information, as well as how DLT will enhance the ways traditional banking services are delivered.

Questions answered by this session:
1. How can DLT be used to increase the speed, transparency, security and efficiency of transactions?
2. What are “Smart Contracts” and how can the application create seamless adjudication of agreements, contractual provisions, multi-party workflows and processes?

Christopher Ward, CCM
EVP, Head of Product Management and Operations, Treasury Management, PNC

E-Wallets: Untapped Opportunities

Demand for and use of e-wallets continue to accelerate globally. To stay competitive, merchants are expanding their acceptance offerings for both point-of-sale and online. Consumers and small businesses are increasingly more likely to request payments be sent to an e-wallet versus a traditional bank account, providing new opportunities to pay gig economy and commission workforce members. Panelists look at current global trends in the e-wallet space, as well as explore untapped market opportunities and the implications they pose for the payments industry.

Questions answered by this session:
1. How could an end-to-end suite of pay-in and pay-out capabilities reduce the friction of international money movement to meet the needs of the current global economy?
2. What are some emerging use cases for both acceptance and pay-out to e-Wallets?

Alexander Paddington
Executive Director, Global Payments & FX Partnerships, J.P. Morgan

Umesh Wadhwa
Vice President, Product Management, Mastercard

Examining the Future of Payments - SPOTLIGHT

A panel of experts provide their insights with regard to how disruptive technologies, blockchain technology, faster payments and other industry-changing verticals will impact the future. Adoption of micropayments, cryptocurrencies, and e-wallets are quickly making inroads to both individual and corporate payment types. Panelists advise where the investment dollars are being directed to fashion a more seamless, frictionless and positive experience for individuals and corporate entities alike.

Questions answered by this session:
1. How has the consolidation of payment formatting via ISO enabled more expeditious global payment deployment for the parties involved?
2. What are some best practice solutions that demonstrate how AI is playing a greater role in reducing friction for payment delivery?

Katja Lehr
Director, North America Products, PayPal

Rene Lacerte
Chief Executive Officer,

Tim Smallow
Director, Treasury, Amazon

Moderated by: Steven Bernstein
Executive Director, J.P. Morgan

How Open Banking Impacts the U.S.

The concept of open banking is coming stateside, yet there is an apparent risk that comes from corporates being able to connect into multiple financial institutions with ease. But, FIs are also well-positioned to be strong partners to their corporate customers and fintechs. Learn how financial institutions now have the opportunity to better assist their corporate customers in realizing the commercial benefits and enhanced operational benefits of open banking while mitigating the risks.

Questions answered by this session:
1. What is the state of Open Banking in the U.S.?
2. How can Financial Institutions  form stronger partnerships through payments with their corporates through infrastructure advisory best practices?

Rene Pelegero
President, Retail Payments Global Consulting Group

Immediate Payments: More than Meets the Eye

Payment velocity is increasing more rapidly than ever before to meet evolving customer expectations. But faster is not always better. Learn to see through the buzz to ensure your payment strategy aligns with your specific business needs. Speakers share their views of the payments landscape and strategies for keeping customers at the forefront when evaluating which payment initiatives to pursue.

Questions answered by this session:
1. How can your organization capitalize on the ever-changing payments landscape?
2.What are some business practices to evaluate strategic payment initiatives?

Charles Ellert, PMP
Senior Manager, Payments Strategy & Systems, Verizon

Katja Lehr
Director Americas Bank Product, PayPal

Moderated by: Theresa Clements
Emerging Payments Product Management, Wells Fargo

ISO 20022 Implementation for Fedwire® Funds Service & CHIPS®

The Federal Reserve Banks and The Clearing House are planning a three-phased implementation strategy to adopt ISO 20022 payment messages for the Fedwire® Funds Service and the CHIPS® wire transfer system, respectively. Join this session for a deeper look at the Phase 1 changes for these two services that is targeted for implementation in November 2020. The session also includes an overview of ISO 20022 and a preview of the Phase 2 customer migration strategy.

Questions answered by this session:
1. What are the  Phase 1 (“ISO 20022 preparation”) changes for the Fedwire Funds Service and CHIPS systems?
2. What is the overall ISO 20022 project for both services?

Bob Pepitone
CHIPS Product Manager, The Clearing House

Gina Russo
Assistant Vice President, Payment Product Management, Federal Reserve Bank of New York

ISO 20022 in Real Life at a Real Corporate

ISO 20022 is currently being deployed globally. Hear what the ACH Network and wire system are doing and the impacts on corporate customers, such as Nordson, which has implemented ISO 20022 and is sending payment requests to their financial institutions in the U.S. for both ACH and wire payments. Speakers discuss the benefits and challenges of this partnership Walk away with the ability to consider how this could have implications for your business in the future.

Questions answered by this session:
1. How has PNC streamlined their payments practices integrating ISO into their ERP system?
2. What impacts could ISO 20022 have on reporting systems?

Fred Cousin
Project Manager, Nordson

George Hoffman
Senior Vice President - International, PNC Bank

Sharon Jablon, AAP
Director, Product Specialist, The Clearing House

Making Payments in Your Sleep

Dreaming of the day when you don’t need to worry about waiting to send in that payment file or who will originate payments in your absence? Speakers in this session share ideas to achieve that goal with the use of APIs. Using APIs for ACH and other traditional banking services, allowing their systems to originate payments directly and automatically sending them to their financial institution has proven successful. Attendees learn how to tell if APIs are the right channel for payment origination and how to automate electronic payments to suppliers and customers in such a time-sensitive business.

Questions answered by this session:
1. How can APIs be used to automate electronic payments?
2. How can you determine if APIs are the right channel for payment origination?

Kyle Abrahams
Senior Developer, Garfield Refining Company

Millicent Calinog
SVP, API Product Management, Wells Fargo

Making Sense of All Your Payment Options

It's easy to be confused with all of the choices between traditional payment methods and the myriad of new and emerging payments options. This session will filter through the various payment alternatives in the market and discuss where they are, where they are going and why you would want to use one over another.

Questions answered by this session:
1. How do you best determine which payment options are made available to your customers?
2. Which payments options are available inside and outside of Fis and what information on each option do you need to develop a payments strategy?

Jason Carone, AAP, APRP, CTP
Product Management Director, Silicon Valley Bank

Debbie Smart, CTP, NCP
Senior Business Consultant, Q2

Payments 2.0: The Journey from Legacy

The payments industry fortunately has an appetite for change. That is good news because regulatory change – both locally and globally –  and technology innovation are moving at light speed. Come to this session to hear about a practical case study of payments transformation at a bank. Find out the challenges and opportunities that were unearthed during the project life cycle, as well as critical change management required for success with internal stakeholders and partners.

Questions answered by this session:
1) Understanding of Payments Canada's modernization?
2) Best practices in planning payments technology readiness to support new payment initiatives?

David Bergeron
Director, Banque Nationale du Canada

Moderated by: Matteo Monaco
Director of Payment Services, CGI

Real-Time Payments (RTP) Interoperability

Interoperability is commonly put forward as the solution to knit services provided by different participants into a common and simple experience for the end user. Given the complexity of the U.S. payments ecosystem, is that even possible? What would it look like? Who would benefit and how? Attend this session to have those and additional questions answered by a panel of industry experts with firsthand experience in working to achieve interoperability.

Questions answered by this session:
1. What are possible interoperability propositions between different providers?
2. What solutions are being considered to achieve interoperability in the short and medium term?

Cecilia Frew
SVP, Head of North American Push Payments, Visa

Steve Ledford
Senior Vice President, Product and Strategy, The Clearing House

Laura Weinflash
Vice President - Payment Strategy, Early Warning

Moderated by: Gene Neyer
Executive Advisor, Payments, Icon Solutions

Reimagining the Value of Payments Data Through Machine Learning

Better use of payments data has always been on the “to-do” list of treasurers and financial institutions alike. With the advent of digital services, open APIs and cloud services, the industry now has an opportunity to collect, curate and analyze large sets of payments data. Open banking also allows payments data to connect treasury and finance to operations and commercial functions, repositioning treasury from processing to support P&L development. Attendees will receive a practical plan of how to migrate legacy systems  into the cloud.

Questions answered by this session:
1. How can machine-learning at scale can deliver value across operational, financial, commercial and risk lenses?
2. How can payments data be used as an asset and developed into a more commercially valuable asset?

Sarah Billings
Senior Vice President, Head of Payment Strategy and Transformation, PNC Bank

Troy Hagey
Principal, Financial Services, KPMG

Request for Payment: Making Payments Contextual

Noncard, digital payments are sweeping the planet on the back of payment infrastructure modernization. The industry is seeking ways to leverage new digital technologies and strip costs out of the payments ecosystem. Request for Payment brings noncard, digital and faster payments into the hands of consumers and businesses, making payments contextual. Speakers discuss the lessons to be gained and what needs to be done to fully leverage digital, faster payments in the U.S.

Questions answered by this session:
1. How can the industry maximize the value of smarter, faster ways to pay?
2. How will Request for Payment make payments contextual?

Peter Andrew Davey, AAP
Head of Innovation, The Clearing House

George Evers
Senior Vice President, Product, Real-time Infrastructure & Commercial Applications, Vocalink

Dean Wallace
Practice Lead, Real-Time & Digital Payments, ACI Worldwide

Rise of the Chatbots

Artificial intelligence technology has the potential to completely change customer perspectives and experiences while enabling the industry to offer services that resonate with modern customers.  Learn how AI is helping insurance companies provide products that are tailored to customers’ needs and lifestyles and how it is helping to improve internal processes while reducing the time spent on repetitive mundane tasks. Speakers share real-world experiences regarding how the technology is being deployed.

Questions answered by this session:
1. Within which channels can chatbots be deployed, and how are they developed?
2. How are chatbots being implemented?

Rohan Dixit
Senior Manager Applied AI, MSG.AI

Moderated by: Chris Colson
Director, Innovation, Retail Payments Office, Federal Reserve Bank of Atlanta

Robotic Process Automation as a Force Multiplier

Many financial institutions today have seen drastic improvement in their operating efficiency through the use of Robotic Process Automation (RPA) and Robotic Desktop Automation. Industry leaders have found that by automating repetitive and cumbersome tasks they have seen improved team member engagement, substantial efficiencies, lowered risk, improved customer satisfaction and greatly reduced and/or eliminated defects. In this session, speakers examine these two applications from four perspectives: overview of the technology, key considerations for identifying opportunities, applying Robotic Process Automation as a force-multiplier to your technology roadmap, and next steps to starting your journey.

Questions answered by this session:
1. How can your organization identify opportunities or processes to use RPA?
2. How can RPA compliment or force multiply a company's existing technology roadmap?

Paul Krauss
Head of Robotic Process Automation Center of Excellence, Wells Fargo

Standards in Payments 

The rise of proprietary technology in payments is steering the marketplace, discouraging competition, and quashing innovation. What needs to change to ensure competition and innovation flourish as technology evolves? The answer: standards in payments. As proprietary technology gains influence, the payments ecosystem becomes increasingly fractured, the customer experience is more confusing, and costs increase. Establishing a consistent framework results in payments that are more secure and fraud-resistant, while helping interoperability. Building a payments system based on standards ensures choice and flexibility, and fosters innovation and healthy competition. The end result? Reliable solutions for both financial institutions and their customers.

Questions answered by this session:
1. Who owns the technology and controls the way you pay?
2. How is technology changing the competitive landscape of payments in the U.S.?

Kevin Christensen
Senior Vice President, Market Intelligence & Data Analytics, SHAZAM Inc.

Transportation in a Friction-Free, Plastic-Free World

We are in the midst of a transportation revolution. Billions of dollars are being poured into connected cars, autonomous vehicles, as well as ride-sharing and fractional ownership. As a result, companies need to recognize that the source and flow of payments are being disrupted. Speakers examine the current landscape, consumer trends, and what companies need to do to innovate for the future.

Questions answered by this session:
1. What are some new transportation technologies that facilitate friction-free payments?
2. Where are there opportunities for companies to further streamline and innovate toward the autonomous future?

Yona Shtern
Chief Executive Officer, ParkWhiz

Using APIs to Improve Efficiency

Interoperability can be achieved by either adhering to published interface standards or by making use of services that can convert one product's interface to another (like APIs). But this is only the beginning, increased efficiency can result in lower costs, better results, and faster data flow. This session provides an awareness of how customer insight, collaboration, and solution consulting work hand-in-hand to manufacture a scalable solution that addresses a common challenge, automating the returns process for receivables.

Questions answered by this session:
1. How can APIs be used to increase efficiency? 
2. Can APIs help improve DSO and enable STP of receivables?

Karen Moss
VP, Receivables Solutions Consultant, TD Bank

WeChat Pay & Alipay: China’s Mobile Payment Revolution

With close to 90 percent of the mobile payment market share, WeChat Pay and Alipay lead the revolution transforming China into a cashless society. This session provides an overview of how mobile payments were able to achieve such success in China and why the U.S. continues to face adoption challenges.

Questions answered by this session:
1. What are the basics of the WeChat Pay and Alipay ecosystems?
2. What are some challenges for adopting Mobile Payments in the U.S.?

Christopher Comstock, AAP, APRP
FVP-Payments Product Manager, East West Bank

Wei Jiang
Chief Operating Officer & President, Citcon

What’s Next for Chatbots?

AI-powered chatbots have forever changed how we interact with technology. Now that chatbots are so adept at completing tasks and users are more comfortable using them, the natural question is: What’s next? Businesses can use chatbots to streamline customer interactions while also mining conversational data to uncover meaningful, actionable intelligence. Experts invite attendees to discuss the future of chatbots, and explore how the landscape has changed in just one year.

Questions answered by this session:
1. Learn where chatbots are headed and explore advanced use cases that further elevate the customer experience.
2. Learn how to analyze and leverage conversational data to improve customer service and streamline operations.

Stuart Bain
SVP of Product Management, Alacriti

Jeff Pauly
Director, Product Solutions, Bank of America

Why Banks Engage (or Should) with Fintech- Executive Series

The pace of innovation continues to accelerate as more and more fintechs enter the market. Speakers discuss how to navigate the growing landscape to find the right solution to meet your organization's needs while ensuring it is a partnership that lasts. You will also learn how to determine the role financial institutions play in fintech partnerships to quickly bring innovative solutions to customers and members.

Questions answered by this session:
1. What are some key items to consider when assessing fintech solutions?
2. What are some benefits of an FI-sponsored fintech?

Chris Noe
SVP, Head of TM Innovation and Partner Development, Wells Fargo

Sunday Workshops

Covering a wide variety of payments industry topics, these two-hour workshops employ interactive training techniques that provide attendees with meaningful value and practical tools such as checklists and resource papers. These sessions take place Sunday, May, 5, 2019.

Sponsored by


1:00-3:00 p.m.

ACH Network Transaction Participants & Usages

Pre-Conference Workshops | Fundamental

This workshop introduces attendees to the ACH Network and ACH payments. The speakers will review the functionality of the Network and how it supports payments and information, key attributes, and funds flow for debit and credit entries. Workshop attendees will learn how Standard Entry Class (SEC) Codes are used for Direct Deposit and Direct Payment via ACH, consumer and corporate payments, and nonpayment entries. Participant roles and responsibilities are explored as well. Bring your questions to this informative session.

Questions answered by this session:
1. What are the roles and obligations of participants in the ACH Network?
2. What is the transaction flow and what are the capabilities of ACH debits and credits?

Michele Barlow, AAP, NCP
Vice President, WACHA - The Premier Payments Resource
Kristin A. Stedman, AAP, APRP
Senior Vice President, Risk & Compliance, PaymentsFirst Inc.

Understanding the Benefits of International Payments

Pre-Conference Workshops | Intermediate

As organizations become more global, it is increasingly important to understand the implications of international payments. This workshop introduces attendees to key concepts and practices, including international trade, foreign exchange, and payments and collections. Speakers provide a deeper look into the growing areas of international ACH and contactless/mobile payments, as well as regional updates and trends. Attendees gain significant insight into the complex and exciting world of international payments.

Questions answered by this session:
1. What are the key concepts and practices – including international trade, foreign exchange, payments and collections – of international payments?
2. What can the U.S. learn when considering payment similarities and differences in other geographies?

Jane Hennessy
G2 Web Services Consultant, G2 Web Services
Alan S. Koenigsberg
Chief Revenue Officer, Traxpay AG

Understanding Cross-Channel Payments Risk

Pre-Conference Workshops | Intermediate

Managing risk across business lines is crucial to your organization's success. Industry experts cover complex concepts and examine nuances of building a successful risk management strategy and understanding how compliance and requirements are balanced with discretionary risk management decisions. Attendees come away with knowledge on managing overall risk associated with electronic payment processing and the tools available to help develop risk policy across various lines of business.

Questions answered by this session:
1. How can you exercise latitude with respect to risk appetite and defend your approach to auditors and examiners?
2. How does risk fit into daily operations and decisions made at your institution regardless of its size?

Andrew M. Barlow, AAP, NCP
Executive Vice President, WACHA - The Premier Payments Resource
Adrian K. Brown, AAP, APRP
Member Engagement & Education Manager, The Clearing House Payments Authority
Devon Marsh
Senior Vice President, Wells Fargo

ABCs of APIs

Pre-Conference Workshops | Intermediate

Application programming interfaces (APIs) have proven their value across many industries for a number of years now, allowing for a model of smart integration and seamless experiences. The pendulum for this model now swings towards banking, with services ranging from bank account management to fraud prevention via real-time payment validation. This workshop introduces the concepts of APIs, how they might be used in the payments world and what NACHA and industry stakeholders are doing to advance their usage.

Questions answered by this session:
1. What is an API and why are they so important for the payments industry?
2. What are some common use cases for APIs?

Kathy Levin, AAP
Senior Director, Strategic Payments Analyst, NACHA
Mark Ranta, CTP
Director of Product Management, ACI Worldwide

The Faster Payments Evolution

Pre-Conference Workshops | Intermediate

Same Day ACH, Real-Time Payments, Zelle and other faster payment options continue to expand, and many of us feel like we are on information overload. Making decisions on where to go with faster payments can be baffling, whether you are a financial institution or corporate practitioner. This workshop lays out the fundamentals of faster payments and the role NACHA and the RPAs play in the faster payments education space. Payments experts and industry stakeholders will lead workshop attendees on a journey of how we got here, what we are doing now that we are here, and what they see for the future.

Questions answered by this session:
1. What are some of the newer faster payments options and how do transaction flows and risk and compliance considerations differ between platforms?  
2. What is the value of devising a comprehensive faster payments strategy to meet client needs and streamline organizational processes?

Joseph Casali, AAP, NCP
Senior Vice President, NEACH
John M. Curtis, AAP, APRP, NCP
SVP, Education & Training, WesPay
William D. Sullivan
Senior Director & Group Manager, Government & Industry Relations, NACHA

Managing Your Third-Party Senders

Pre-Conference Workshops | Intermediate

Since the launch of the Third-Party Sender registration initiative, we can finally see the real impact and number of Third-Party Senders in the ACH payments space. This workshop examines what a financial institution needs to do to identify, qualify and manage Third-Party Senders (and other high risk customers) to mitigate some of the risk in providing them banking services.

Questions answered by this session:
1. How can your organization evaluate whether to retain a newly discovered Third-Party Sender?
2. What are the components of a Third-Party Sender program?

Annette Higgins, AAP
Compliance Officer, Cash Flow Solutions Inc.
Larry Matteson, AAP, APRP
Vice President, Risk Management, EPCOR

3:30-5:30 p.m.

ACH Network Warranties, Obligations & Risk Management

Pre-Conference Workshops | Intermediate

Building on topics discussed in ACH Network Transaction Participants & Usages, attendees gain a deeper understanding of concepts and nuances in the NACHA Operating Rules that relate to payment origination and receipt, risk management, compliance, enforcement and exception processing. Speakers explore operational, legal and business aspects of the Rules, and offer insights into best practices – paying special attention to warranties, liabilities, and responsibilities surrounding ACH participation. Attendees learn to draw distinctions between commercial and consumer considerations, explore ODFI and RDFI perspectives, and discuss the use of third parties.

Questions answered by this session:
1. What are the obligations for all ACH Network participants?
2. How can any ACH Network participant, regardless of role, ensure an organization is in compliance with the Rules and what are the consequences for noncompliance?

Mark Joseph Dixon, AAP, NCP
AVP, IT Operations Officer, New Hampshire Mutual Bancorp
Sandy Ortins, AAP, APRP, NCP
Vice President, Education, NEACH

Lessons to be Learned from Cybersecurity Attacks & Response

Pre-Conference Workshops | Intermediate

Responding to a cyberattack is an organization-wide responsibility. From IT and public relations to operations and frontline staff, every person is responsible for remaining vigilant. This workshop is comprised of both informational takeaways on what you can do to assist in preventing a cybersecurity attack, as well as a hands-on exercise simulation that provides attendees the opportunity to react. As the number of cyberattacks increases each year, this is one workshop you cannot afford to miss.

Questions answered by this session:
1. How can an organization distinguish between a cyberattack versus a legitimate communication?
2. What are key steps that must be taken to both adequately investigate the incident and prevent future harm and what lessons can be learned as a result of a cyberattack on your organization or on another industry participant?

Mary M. Gilmeister, AAP, NCP
President, WACHA - The Premier Payments Resource
Matthew C. Luazadder
Partner, Kelley Drye & Warren LLP 

Error Resolution Across All Payment Systems

Pre-Conference Workshops | Intermediate

Not all payment systems are created equal when it comes to error resolution. Each system has its own requirement and rules that must be followed. With the systems continuously evolving, internal staff must be aware of each of these requirements. Attend this workshop and learn about error resolution as it relates to the ACH Network, card networks, checks, wires and emerging payment platforms.

Questions answered by this session:
1. How do error resolution procedures differ between payment platforms?
2. How can your organization prevent losses and be protected by understanding how to resolve errors?

Shelly Sipple, AAP, APRP
Director, Certifications & Continuing Education, EPCOR
Jennifer Stadler, CPP
Senior Director, Education & Communication, PaymentsFirst Inc.

The Technology of Payments

Pre-Conference Workshops | Intermediate

Now we have Apple Pay, Alexa Pay, AI, and machine learning. It seems like almost every day there is a new way to pay or a new technology that promises easier payment capabilities. This foundational workshop introduces attendees to payment platforms and technologies discussed in more detail throughout the conference. If you are new to the industry or know nothing more about these topics than their names, attend this workshop to obtain the fundamental knowledge needed to make the most of your conference educational experience.

Questions answered by this session:
1. How is technology changing to work complementary with payment convergence?
2. How are these advancements really impacting the behavior of consumers, corporate clients, and financial institutions?

Hector E. Sandoval, CTP
VP, Product Line Leader, Early Warning
Peter Tapling
Chief Commercial Officer, Head of Industry Relations, Spring Labs

RTP®: Connection Direction

Pre-Conference Workshops | Intermediate

You know what RTP is and you are probably familiar with its capabilities. What may be keeping you up at night is how to connect to this new network. This workshop will provide insight on what your financial institution needs to know to receive or send RTP® messages. Regardless whether your institution will rely on a Third Party Service Provider, a payment hub, or a direct connection to the network, speakers will lay out the considerations for each connectivity option. In addition, attendees will hear directly from SME’s about the considerations for each option.

Questions answered by this session:
1. What are the options for connecting to RTP®?
2. What is required to implement each connectivity option?

Attila L. Csutak
Senior Product Manager, KeyBank
Susan Meyer, AAP
Real-Time Payments Product Manager, FIS
Tim Mills, AAP
Vice President, Executive Director, The Clearing House

Deconstructing the ACH Audit: How do I Minimize my Risk in ACH?

Pre-Conference Workshops | Intermediate

As the NACHA Operating Rules continue to evolve, creating faster and smarter payments, is your annual audit keeping pace?  Organizations have traditionally relied on Appendix Eight to guide their audit activities, but as payments have become more complex, so has the relationship between compliance and risk management. Join our speakers for analysis of real-life stories from the field, analyzing the risks that exist below the surface of your ACH audit report.  Attendees will walk away with actions they can quickly implement to enhance their ACH audit to ensure their organization employs a risk-based methodology to properly review their ACH activities.

Questions answered by this session:
1. How can a greater understanding of the nuances of key topics and audit practice address the complexities of a risk policy?
2. How can an organization drive value and encourage conversations internally to ensure the ACH audit scope covers topics that are integral to their organization’s strategy and risk tolerance?

Andrew M. Barlow, AAP, NCP
Executive Vice President, WACHA - The Premier Payments Resource
Jen Wasmund, AAP, CTP, NCP
Enterprise Payments Risk Manager, Capital One