Corporate & End User Perspectives Track

At the end of the day, it’s all about the customer. Content focuses on their experiences and needs, and the solutions and business practices to help them succeed.


Monday, April 20

B2B Meets B2C: Because Businesses Pay People, Too

9:30 AM-10:20 AM | Room: Maryland 1-3

Businesses, financial institutions and fintechs have all been incredibly focused on finding and creating solutions that automate B2B and supplier payments. However, many businesses also have the need to make payments to consumers using solutions that work for both the business initiating the payment and the consumer receiving it. Businesses are looking for providers to bridge the gap that exists between available payment models and their ability to capitalize on them. In this session, explore how the industry is leveraging the consumer adoption of payment options like Zelle® and PayPal to deliver solutions that meet corporates’ overall payments needs and align processing of both their B2B and B2C transactions.

Questions answered by this session:

  1. What is the opportunity for corporates to leverage aligned payments technology to meet their payments needs across B2C and B2B?
  2. What is the benefit of capitalizing on existing consumer payment infrastructures for these payments, and how can you ensure the necessary data travels along with the payment for both businesses and their consumer payees?


Carl Slabicki
Strategic Payment Solutions, Product Management, BNY Mellon

Brian Greehan
Vice President Channel Partner Execution, Bottomline Technologies, Inc.


Improving the Process of Onboarding Corporate Payments Customers

9:30 AM-10:20 AM | Room: National Harbor 10-11

Winning a new corporate client’s payments business isn’t easy. Financial institutions must provide payables offerings that are more comprehensive and cost-effective than the competition, while ensuring their clients can access the latest innovations – real-time payments, open API banking, tokenized payments, next-generation cross-border options – quickly and easily. Oftentimes the weakest link in the whole process is onboarding the client. This session examines why onboarding corporate clients and their diverse payments requirements is slow and challenging, and explores ways to improve this “first mile” in the corporate payments customer experience journey.

Questions answered by this session:

  1. How can your organization increase the speed and improve the process to onboard corporate clients today?
  2. What are the top three priorities your organization should consider for improving the customer onboarding experience?



Glen Grzybowski
Vice President, RTP Product Manager, Deutsche Bank

Peter Hazou
Director Business Development, Microsoft Corporation

Vinay Prabhakar
Vice President Product Marketing, Volante Technologies Inc.

Moderated by:Elaine Szeto
Principle, ECS Advisory, LLC


How Growth in Payables Automation Can Reduce Manual Payment Exceptions

10:25 AM-11:15 AM | Room: Smarter Faster Payments Zone in the Exhibit Hall

Some of the obstacles to achieving automated posting include payments received without the necessary remittance data, separate remittance advices sent by email or posted to payer portals, inaccurate or incorrectly formatted remittance data, manual data capture, and unauthorized discounts and deductions. These challenges result in low automated posting rates, resulting in high exception volumes and costly manual processing. Using latest cutting edge AI tools combined with robotic process automation, this challenge can be solved. This session explains how.

Questions answered by this session:

  1. What is an integrated receivables solution?
  2. How can such a solution streamline receivables processing across payment types, resulting in higher automated application rates?

Karin Farnsworth
Integrated Receivables Product Head, Wells Fargo

Sandeep Ahuja
Emerging Receivables - Product Head, Wells Fargo


Meeting Growing Demands of Small Business Customers with Zelle®

11:20 AM-12:10 PM | Room: Maryland 1-3

Everyday demands can make it challenging for small businesses to monitor cash and check management expenses to ensure they are getting paid on time. Learn how one small business implemented digital transactions by partnering with U.S. Bank and Zelle to request, receive and send payments to almost anyone, just with an email address or mobile number. In this session, attendees learn how one small business cut administrative costs and time while also enabling more efficiency.

Questions answered by this session:

  1. What are the different use cases of digital payments within a small business, how does this differ from POS solutions?
  2. How can financial institutions attract and retain new business customers with innovative mobile-first initiatives, and how can small businesses reduce cash and check management expenses while making it fast, safe and easy to send and receive payments?


Laura Weinflash
Vice President of Product Management, Early Warning

Carol Rossman
SVP, Omnichannel Digital Payments, U.S. Bank


Briefing: P2P Payments: Ensuring Consumer Confidence & Protection

11:45 AM-12:10 PM | Room: Collaboration Center in the Exhibit Hall

Some of the same qualities that make peer-to-peer payments so appealing can expose users to risks to their privacy, data security, and finances. Consumer Reports tested some of the most popular P2P apps, conducted focus groups of users, and reviewed complaints filed with the Consumer Financial Protection Bureau to evaluate the current marketplace. CR found a confusing thicket of overlapping and uncoordinated legal agreements, financial regulations and consumer protections governing these popular apps. 

Questions answered by this session:

  1. What are some of the potential risks to users of P2P apps? 
  2. What can policymakers do to ensure consumer confidence and protection with P2P apps?

Christina Tetreault
Senior Policy Counsel, Consumer Reports

The State of AP: What's Happening Now and What It Means for the Future

1:25 PM-2:15 PM | Room: Collaboration Center in the Exhibit Hall

How do you improve upon something if you don’t have a benchmark for comparison? For the last five years, MineralTree has been conducting a comprehensive annual survey that analyzes the trends in AP as told by the people who know it the best, you. This year was no different with over 1,300 respondents providing critical data. This session reviews the findings of the latest report and discusses recent findings around electronic payments,  the future of the industry, driving innovation, and delivering value through new solutions and services.

Questions answered by this session:

  1. How are recent AP trends going to affect us moving forward?
  2. What are the recent trends in electronic payments telling us?

Vijay Ramnathan
President, MineralTree

Financial Institutions & Fintechs: Harnessing APIs to Simplify Receivables Reconciliation

2:30 PM-3:20 PM | Room: Maryland A

As more corporates compete on a global basis, bank reconciliation becomes cumbersome with the increased number of communication channels and the complexity of payments data. While cloud-based ERPs have challenges, they offer corporates  the bandwidth and technology to implement the connectivity needed to improve payment processes. In this session, examine the latest technology innovations that are harnessing APIs to connect cloud-based ERP systems to eliminate the gap in the reconciliation process. Speakers share industry trends and insights into how API connectivity is optimizing file and batch-level settlements. Attendees come away having learned how FIs and fintechs are partnering to bring next-generation technology to solve vexing treasury problems faced by corporates doing business globally.

Questions answered by this session:

  1. How are financial institutions leveraging innovative technologies to ease ACH remittance data integration with new cloud-based ERP systems?
  2. How are financial institutions and fintechs replacing competition with partnerships to solve the most challenging corporate treasury problems?


Deborah Myers
Product Strategy, J.P Morgan

Clayton Weir
Co-Founder, FISpan

Loyal Hartman
Finance Director, Line-X


How Consumers Want to Get Paid

2:30 PM-3:20 PM | Room: Maryland 4-6

From Venmo to Zelle, consumers are finding ways to send payments with less effort. Similarly, consumers are expecting businesses to pay them with similar ease and convenience. For businesses, sending payments to consumers, specifically in the fields of insurance, banking and ISP services, sending paper checks is inefficient and outdated. This session focuses on companies and technologies that are building a directory and infrastructure that will give the users the ease and convenience they are seeking.

Questions answered by this session:

  1. How can an organization effectively pay large numbers of consumers seamlessly?
  2. What are the latest technologies and payment companies that are bridging B2B with P2P payments, by providing businesses an efficient push payment solution?


PJ Gupta
CEO & Founder, Checkbook

Forouz Firoozi
Senior Vice President, Wells Fargo

Sam Aarons
Cofounder and CTO, Modern Treasury

Tuesday, April 21


Deep Dive: The State of SMB Payments

10:30 AM-11:20 AM | Room: Chesapeake DE

According to many small- and medium-sized business owners, the time it takes money to process after receiving payment has the largest impact on their company’s cash flow. So how can the payments industry innovate and embrace faster funding to help these businesses – and by extension – the larger global economy? As the industry adapts to the “always on” payments expectation, what can the industry do to better solve small and medium businesses’ payments pain points and what impact can that have on the business world at large? This deep dive dialogue on the state of SMB payments features actual small and medium business owners who will discuss the technology that is working for them, as well as areas ripe for improvement and innovation.

Questions answered by this session:

  1. Why is the speed at which payments are processed so crucial to SMB success?
  2. What else should the payments industry do to speed up payment processing for SMBs?


Rishav Chopra
Head of Strategy, Operations & Revenue Optimization, Intuit

Strategies for Cash Handling in a Digital World

10:30 AM-11:20 AM | Room: Maryland 4-6

Even in the world of digital banks, there remains a strong cash presence supporting all types of commerce (even e-commerce). Whether it be the unbanked, the underbanked, or other cash-oriented demographics, cash continues to be a payment method of choice across a significant population in the U.S. This session explores data showing the prevalent uses of cash, as well as recent developments in the political environment that will require many businesses of all sizes to continue to accept cash. Speakers review case studies from corporations that have successfully embraced cash-handling strategies to improve their market penetration and overall client experience, as well as cash-handling tools available in the marketplace that may help to “digitize” handling and improve liquidity.

Questions answered by this session:

  1. What cash-handling tools are available in the marketplace that may help to “digitize” handling and improve liquidity?
  2. What are best practices for cash-handling strategies?


Joe Wood
Director - NA TTS Core Payments & Receivables, Citibank, NA

Lowell Moritz
Director, Financial Institution Sales & Channel Management, Cash Connect

Corporate Use Cases for Same Day ACH & RTP

1:15 PM-2:05 PM | Room: Maryland D

Corporate use of Same Day ACH has been growing since the faster payment method first rolled out. Hear from corporates and providers that are successfully using Same Day ACH, as well as RTP. Learn what scenarios trigger the use of Same Day ACH as a solution, and what use cases justify their RTP implementation. Attendees gain insight on how these capabilities can provide new functionality to their own businesses and how to work with financial institutions on implementation. Hear how RTP and Same Day ACH are each used to complement the other.

Questions answered by this session:

  1. How are these new products used by fellow corporates and do they apply to your business?
  2. What are the various attributes of faster payments to quantify and drive bottom-line value?


David Tao
Head of Payments, Gusto Payroll

Moderated by: Sharon Jablon
Director, Product Specialist, The Clearing House

Briefing: What Employers Need to Deliver Earned Wage Access

2:20 PM-2:45 PM | Room: Maryland 1-3

Early Wage Access (EWA), which allows employees access to the pay they have earned ahead of their traditional payday, has emerged as one of the most popular new benefits employers across industries can offer employees. Workers can now enjoy instant access to the pay they have already worked for to meet unexpected emergencies or financial needs that the traditional pay cycle limits. While there are companies interested in participating, what does it really take for employers to roll this out to their employees? Speakers discuss key considerations before implementing EWA, including how enterprises of different sizes rollout faster pay to their employees, provide a good user experience for their employees and themselves, and ensure the technology stays compliant.

Questions answered by this session:

  1. What are key factors for determining whether EWA is the right fit, and how to measure the success of implementation?
  2. How can employers and EWA technology providers work together to create a seamless experience and stay compliant?


Atif Siddiqi
Founder & CEO, Branch

Manoj Verma
CRO & Co-Founder, TabaPay

Replacing Bill Pay Checks with ACH & Digital Payments

4:25 PM-5:15 PM | Room: Maryland 1-3

Today’s disbursement process for some demands physically coordinating payment amounts with all parties, dedicating resources to supporting customers and filling out paperwork, and ultimately mailing checks to single or multiple parties to the tune of millions of paper checks annually. This session explores available tools that eliminate the friction and time delays associated with single, dual or multiparty disbursements by facilitating straight-through ACH and faster payments processing. This session explores digital technologies designed to speed up the payment process and minimize cost and effort.

Questions answered by this session:

  1. How do you create and analyze models for reducing disbursement check volume and costs in sending funds to recipients?
  2. How can digital, faster payments, and multiparty disbursement options speed up consumer payments and minimize costs?

Mahala Johnson
Director, Product Management, ACI Worldwide

Wednesday, April 22

Virtual Account Management as a Payments Solution

8:00 AM-8:50 AM | Room: Maryland 4-6

All too often treasury teams clamor to consolidate bank accounts, while operational teams insist on opening more accounts. The result can be a payments and reconciliation nightmare. In this panel discussion, industry experts share insights into how Virtual Account Management (VAM) solutions are used as part of a broader cash management and payment toolkit to improve bank account maintenance, treasury efficiency. and to centralize financial control. Attendees gain insights into how to assess the value of VAM to the treasury organization, as well as learn about best practices in implementing this state-of-the-art technology solution from the perspective of an end user. Speakers discuss how the flexibility of VAM will soon accommodate innovations, such as API connectivity, real-time and request for payment capabilities.

Questions answered by this session:

  1. How can corporates manage the competing needs of treasury and operations to facilitate payment reconciliation?
  2. How can a VAM solution streamline electronic payments, enhance related reporting, and improve reconcilement and bank account maintenance?


James McKenzie
Executive Director, J.P Morgan

Briefing: User Experience in B2B Payments - Briefing

10:10 AM-10:35 AM | Room: Maryland 1-3

People are looking for  amore personalized and engaging approach to how they transact and manage their finances. Fintech companies are filling that void by offering innovative solutions that allow customers to own the creation of their experience. Features like intuitive user interfaces, personalized solutions and real-time recommendations based on interactive data are juts a few of the unique characteristics that are redefining the customer experience. 

Questions answered by this session:

  1. Who defines what you build and sell?
  2. Why should you care about the end-users experience?


Ben Schmitt
Vice President of Product and Information Security, Dwolla