Practical Strategies, Real Results Track

Sessions in this track focus on topics related to organizational goals, sound business practices, systems modernization, payments convergence and implementation planning for products, services and processes.


Monday, April 20, 2020


Executive Series: Future-Readiness for Community Financial Institutions

9:30 AM-10:20 AM | Room: Maryland 4-6

Balancing the demands of payments modernization and digital transformation while defending market position from new entrants requires new thinking to achieve success. How can community financial institutions ensure they are future-ready when navigating a disruptive payments landscape changing at an unprecedented rate? This session features a panel of prominent banking executives who will share their experiences and lessons learned in developing their payments strategy. Hear how these payments leaders strengthened their banks’ ability to keep pace with innovation, respond to the demand for new products like faster payments, and counter emerging competitive threats.    

Questions answered in this session: 

  1. How can community financial institutions ensure they are future-ready when navigating a disruptive payments landscape? 
  2. How can the executive team best communicate those initiatives to the entire staff to ensure everyone is aware of and understands the changes?


Misti Johnson Mostiller
EVP Director of Consumer Strategy & Innovation, Extraco Banks, N.A.

Christopher E. Richards, APRP
SVP, Chief Banking Services Officer, Cape Cod Five Cents Savings Bank

Kathy Strasser
EVP, Chief Operating Officer, IncredibleBank

Moderated by: Deborah Matthews Phillips, AAP
Senior Vice President, Payments and Technology Policy & Industry Relations, ICBA Bancard

Briefing: Rethinking B2C Disbursements to Experience Business Growth

11:20 AM-11:45 AM | Room: Collaboration Center in the Exhibit Hall

Today’s culture is increasingly on-demand. And with this trend comes growing pressure from consumers to receive business-to-consumer (B2C) disbursements more quickly. According to new research, companies would be well-served by meeting this demand. This briefing session shares data found from recent survey and discusses the various ways faster payments provides opportunities for business growth.    

Questions answered in this session:

  1. How do consumers want to receive payments from businesses today?
  2. Which faster payments solutions do consumers prefer most for disbursements?


Curtis Webb
Vice President, Emerging Payments - Product Management, MetaBank

Payments Modernization: A Platform for Innovation

11:20 AM-12:10 PM | Room: National Harbor 2-3

Financial service organizations are facing major changes in their payments landscape. There are three key factors converging in the payments space: customer experience, regulation, and innovation. This panel focuses on what payments modernization means for organizations and specifically for corporate treasury. Attendees will gain insights on the next wave of challenges and solutions.    

Questions answered in this session:

  1. What does the convergence of customer experience, regulation, and innovation mean for payments modernization? 
  2. What are the key inhibitors to payments modernization?

Millicent Calinog Tracey
Fintech Product Consultant, Millicent, LLC.

Ritesh Kirad
Managing Director, Payments Technology Leader, EY

Cerena Mitchell
FSO Payments, EY

Savit Pirl
Senior Vice President, Payments Transformation, PNC Bank

Spotlight Speaker Series: Making the [Use] Case for Faster Payments

11:20 Am-12:10 PM | Room: National Harbor 10-11

As an increasing number of faster payments solutions are introduced into the U.S. market, and the volume of transactions processed through these solutions grows, the argument still remains: Do the use cases for faster payments present enough value to foster broad-scale adoption? This session dissects current use cases and explores what is driving demand for those use cases. Learn about and share your own perspectives on the solutions that support these use cases, adoption to date, impacts to the payment life cycle, and expectations for the future. Hear how developing and maintaining a faster payments strategy is key to use case identification and implementation and maintaining customer expectations.    

Questions answered in this session: 

  1. Where are consumers and businesses seeing the most value with faster payments? 
  2. What does faster payments adoption look like today and what are the projections for the future?


Lou Anne Alexander
Group President, Payments, Early Warning

Michael A. Bilski
Chief Executive Officer, North American Banking Company

Reed Luhtanen
Sr. Director Global Treasury, Walmart Stores Inc.

Moderated by: Kim Ford
Executive Director, U.S. Faster Payments Council

Briefing: Citizens Bank: One Bank’s Evolution into Real-Time Payments 

11:45 AM-12:10 PM | Room: Maryland C

This session provides a firsthand account of lessons learned during Citizens Bank’s implementation of RTP, the current status, and a look ahead. Topics to be examined include feedback from clients on what they expected, how the bank responded, and insights about the path to client adoption.    

Questions answered in this session:

  1. What were the lessons learned during RTP implementation? 
  2. What are some best practices in developing a product roadmap for RTP-enabled products?


James J. Maimone, CTP
SVP, Senior Payment Hub Product Manager, Citizens Financial Group

Mark Majeske
Vice President, Product Development, The Clearing House

James Paille, CPP
Chief Compliance Officer, myPay Solutions, a Thomas Reuters Company

Strength in Numbers: How Collaboration Is Key to Creating a Smarter, Faster Payments Experience

12:25 PM-1:15 PM | Room: Smarter Faster Payments Zone in the Exhibit Hall

Innovation should be a continuous process, particularly in financial services. With the competition from both fintech outsiders and megabanks, community FIs are under more pressure than ever to improve their offerings – especially digital payment experiences. With available technology such as artificial intelligence and automation, innovation has sprung up from every corner of the industry. Faced with these choices in a highly competitive environment, FIs need to carefully evaluate how to collaborate with other FIs and with technology providers to deliver faster, smarter payments. This session shows attendees the value of collaboration in payments innovation.    

Questions answered in this session:

  1. Why is collaboration so important when creating a better payments experience? 
  2. What should companies look for in potential partners?


Fran Duggan
CEO, Payrailz

Dan Rousseve
Senior Vice President & Chief Information Officer, Teachers Credit Union

Executing a Business Strategy Around Faster Payments

1:25 PM-2:15 PM | Room: Maryland A

This session looks pass the basics of faster payments offerings and instead provides influencers, decision-makers and executives tangible tips for executing a business strategy around faster payments. Many financial institutions rely on third-party technology providers for new solutions, but they struggle to align and execute their unique strategy with the services proposed by their vendor partners. Successful implementation begins with a strong vision and clear objectives. This session takes attendees through the faster payments strategy process from development through execution. Speakers also discuss Nacha's Payments Innovation Alliance's Faster Payments Playbook.    

Questions answered in this session:

  1. What steps can be followed to execute a faster payments strategy?
  2. How do you work with your vendors to align their services with your organization's business needs?


Kathy Strasser
EVP, Chief Operating Officer, IncredibleBank

Peter Tapling, APRP
Managing Director, PTap Advisory, LLC

Tristan Thompson
SVP, Payments Group Manager, Bank Product, UMB Bank, N.A.

Financial Institutions & Core Processors: Forging & Enhancing Relationships

1:25 PM-2:15 PM | Room: Maryland C

Today’s competitive marketplace requires that financial institutions be agile in responding to customer needs and core processors be nimble in response FI needs. Oftentimes, that means leveraging modern technology to offer new products and to improve the delivery of existing services. A successful relationship between the FI and the processor is achieved when the partnership meets, and adapts, to changing needs. Speakers in this session explain how their partnerships have evolved to navigate the future of banking, technology, and core processing.   

Questions answered in this session: 

  1. How can your organization keep lines of communications open between partners?
  2. What must be addressed contractually to guarantee the relationship can be adapted to meet new or different needs?


Co-presenters to be announced

Moderated by: Stephen K. Kenneally, AAP
Senior Vice President, Center for Payments & Cybersecurity, American Bankers Association

Executive Series: Payments Innovations: Competition or Collaboration?

1:25 PM-2:15 PM | Room: Maryland 4-6

In the rapidly evolving world of payments, technology and innovation facilitate various solutions to promote security and resiliency while supporting broad access and financial inclusion. Every participant in the payments system, regardless of its role or its customer base, is faced with the challenge of assessing emerging technologies and developments in fintech to gauge the potential impact on the payments system and its stakeholders. This session features speakers with different perspectives on payments-related innovations who will explain how industry engagement and collaboration are essential to the evolution and advancement of the U.S. payments system.  Hear their real-world experiences in developing effective technical solutions in a constantly evolving industry.    

Questions answered in this session:

  1. What partnerships are shaping up to influence the future of payments? 
  2. What criteria are most important when evaluating investments in emerging technology and solutions?


Richard G. Leary
SVP - Head of Treasury Management Delivery, Wells Fargo

Keith Melton
SVP and Chief Strategy Officer, Retail Payments Office, Federal Reserve Bank of Atlanta

Stephen Mott
Principal, BetterBuyDesign

Spotlight Speaker Series: Faster Payments Players, Solutions & Their Role in the Future

1:25 PM-2:15 PM | Room: National Harbor 10-11

Faster payments is now more than just a trending buzzword. It is the way of the future. Key players in the payments ecosystem have put their stakes in the ground with solutions to meet the growing demand for faster payments options. Nacha has introduced Same Day ACH. The Clearing House launched its Real-Time Payments (RTP) network. Visa operates Visa Direct and the Federal Reserve has announced plans for FedNow, a 24/7 real-time payment service. With all of these solutions either in play or soon-to-be available, what does this mean for faster payments adopters? Will these systems truly be interoperable? What does it do to competition? Hear from the key industry players leading the faster payments evolution as they discuss what's ahead.    

Questions answered in this session: 

  1. How can existing faster payments solutions work together? 
  2. How are faster payments solutions meeting demand today and how can they continue to meet evolving expectations?


Matthew R. Friend
Vice President, Head of Product Strategy & New Product Dev., Visa Inc.

Michael L. Herd
Senior Vice President, ACH Network Administration, Nacha

Steve Ledford
SVP, Product & Strategy, The Clearing House

Connie Theien
Senior Vice President and Director, Industry Relations, Federal Reserve Bank of Chicago

Moderated by: Kim Ford
Executive Director, U.S. Faster Payments Council

Tuesday, April 21, 2020

Assembling & Retaining Top Talent in the AI World

10:30 AM-11:20 AM | Room: Collaboration Center in the Exhibit Hall

Drawing from the analysis of nearly 80 AI vendor products in banking, and nearly 50 internal AI initiatives at large financial institutions, the speaker explores the difference between AI hype and real ROI in payment tech. This briefing uses visual elements to highlight AI's impact on payment processes, and unearth critical near-term trends that banking and finserv leaders need to know.    

Questions answered in this session: 

  1. How can your organization attract and retain employees from younger generations to ensure continuity of institutional knowledge? 
  2. How can data tracking methodologies be used to assess employee contributions to your organization?


Nicole Meyer
Founder & Managing Partner, The Meyer Partnership

So Many Payment Channels and So Little Time

10:30 Am-11:20 AM | Room: Maryland C

We have all heard the saying "time is money." In the payments processing world, that saying has never been more true. Organizations looking to create a global footprint, now offer multiple payment channel options, which may be convenient for customers, but not for the business itself. The time spent manually matching invoices creates delays in cash collection and an overall sense of accounts receivable chaos. In this session, learn about the latest payments trends and emerging innovations that can help businesses recoup time and control its A/R chaos. Speakers discuss how businesses can become agile, scalable and ready for the future of payments.

Questions answered in this session: 

  1. What is the current state of payables and receivables? 
  2. What are key pain points in the receivables and payables space, and what are the emerging trends and technology available to solve them?


Erika Baumann
Senior Wholesale Banking Analyst, Aite Group

Don Shaurette
Director, Market Intelligence & Strategy, Fiserv

Moderated by: Robert Unger, AAP
Senior Director, Product Management & Strategic Initiatives, Nacha

Payment Chaos: How to Navigate the Changing Landscape

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

With all the new payment methods that have been introduced in the past few years, customer confusion is one of the side effects of that change. The expectation of real time is all around us as customers want the ability to make payments on demand, whether it’s through new faster payment networks or in context digital experiences. ACH has a stronghold in the market and continues to grow. This session explores how to navigate the payments landscape and determine the right payment strategy for your business, while covering the realities of launching a new payment rail, early use cases and adoption drivers. 

Questions answered in this session:
1. Can you improve and refine organizational strategy while balancing the needs of your customer base?
2. How do you determine the best course to take when considering organizational strategy versus customer convenience? 

Robert Abrams
Global Business Owner, Accounts Payable Disbursements, Amazon

Lisa Akahoshi
Head of Consumer Payments Strategy, Verizon

Andrew Boyajian
Head of Banking, TransferWise

Tim Ruhe
VP, Strategy and Partnerships, Fiserv

Moderated by: Michelle Ziolkowski
Head of Global Payables, Wells Fargo Treasury Management

Executive Series: Community FI Strategies for Survival in the Age of Acceleration 

2:20 PM-3:10 PM | Room: Maryland 4-6

The stakes have never been greater for community financial institutions facing a plethora of contemporary challenges. According to a McKinsey report, these inflection points include transformative shifts ranging from disintermediation threats from big tech firms, rapidly changing customer expectations, the need to drive cost-efficiencies to remain profitable and embrace new business models, such as platforms-as-a-service. But there can be good news among these threats: community FIs that understand this dynamic marketplace and respond assertively with well-executed strategic choices can not only survive, they will thrive. Join this panel to hear how successful community FIs are fine tuning their strategies to be future ready.    

Questions answered in this session:

  1. Which change management strategies are priorities for transforming the FI for future survival?
  2. How will payments be aligned in the community FI of the future?


Scott Erkonen
Chief Information Officer, Great Western Bank

John Smith
EVP/Chief Information & Administrative Officer, United Bank

Cary Whaley, III, AAP, NCP
1st VP, Payments & Technology Policy, Independent Community Bankers of America

Moderated by: Deborah Matthews Phillips, AAP
Senior Vice President, Payments and Technology Policy & Industry Relations, ICBA Bancard

Briefing: The Cloud is Transforming the Digital Workplace

2:45 PM-3:10 PM | Room: Maryland D

Never before has the financial industry faced a more diverse workforce and demanding work environment. Coupled with continuous advances in technology, "workplace" has been radically redefined to mean an ever-changing, complex mix of technology and people. And while the benefits of a cloud-based infrastructure bring flexibility, automation and collaboration, organizations still face new challenges and risks. Speakers in this briefing session share the opportunities and challenges faced while relocating in-house services to the cloud.    

Questions answered in this session:

  1. What are the biggest obstacles when moving from legacy systems to modernized infrastructure?
  2. How can cloud-based services bring new solutions, allow greater flexibility for the workplace, promote innovation and at the same time maintain a low-risk approach?


Craig Borysowich
Principal, Integration & Standards, Payments Canada

Andrew McCormack
Chief Information Officer, Payments Canada

Modernizing Processing Methods to Achieve Faster Payments

4:25 PM-5:15 PM | Room: Maryland C

This session explores the current methods for processing ACH, and how modernizing them with readily available solutions will improve treasury management. These solutions can provide faster payments options, including exception handling, keep transactions secure, generate new revenue, and automate backroom processes.    

Questions answered in this session: 

  1. How can FIs repair, rather than replace, existing processes?   
  2. How can FIs achieve better processing methods and provide account holders with a faster payments experience?


Laura Hartness-Smith
SVP, Director of Treasury Solutions, Trustmark National Bank

Deborah A. Holt, AAP
VP & Senior Product Manager, Bank of Oklahoma

Deborah Peace, AAP
Chief Executive Officer, ACH Alert, LLC

Artificial Intelligence for Smarter Payments: What's Changing Now?

4:25 PM-5:15 PM | Room: Maryland 4-6

Technology and demographics combined are having, and will continue to have, a profound effect on the way we live and work. A PWC study predicts that 30% of finance jobs are at risk of automation by 2029. Others argue that AI will prove beneficial for white-collar jobs, allowing workers to avoid the drudgery of menial tasks and concentrate instead on the more creative things that only a human can do. What is for certain is that no one really knows, and the best way to future-proof yourself is to prepare for every eventuality.  

Questions answered in this session: 

  1. How is AI changing payments? 
  2. What kinds of AI technologies and capabilities are the right investment for your organization?


Daniel Faggella
Head of Research, Emerj Artificial Intelligence Research

Wednesday, April 22, 2020

Payments Strategy: A Data Driven Plan for Digital Transformation

8:00 AM-8:50 AM | Room: National Harbor 2-3

A better user experience driven by digital is no longer just for customers of large financial institutions. Innovations in financial technology mean financial institutions of all sizes have the opportunity to deliver best in class digital products and services to retain and grow their customer base. But where do you begin? “One size fits all” rarely fits, and with so much tech and so many vendors, how can you figure it all out in the context of your specific institution and customer/member base? Today, FIs can deliver on a digital roadmap that leverages the power of data analytics and the payments expertise of Nacha’s Elevation consulting group.


Questions answered in this session: 

  1. How do institution’s current products and solution sets work in the context of existing customer/member activity and industry best practices or bench marking?
  2. How can you craft a highly customized plan that works for your institution?


Samantha Carrier
Senior Director, Emerging Strategic Initiatives, Nacha

Combatting Real-Time Payment Fraud with a Data Science Approach

9:05 AM-9:55 AM | Room: Maryland A

Current fraud detection technologies fall short of responding to fraud in the era of immediate and P2P payments. Financial Institutions and payment processors realize the need for a new, more agile way of addressing fraud and other threats as they emerge. Open source data science and machine learning hold the promise to agile fraud management by enabling the building and deploying of models in real-time, and leveraging data across payment channels and organizational silos. Hear how data scientists hold the key to responding to fraud threats in real-time and how technology providers are meeting the demand for an open platform for model development,blending together to help financial institutions gain a competitive edge and exceedingly satisfy their customers.


Questions answered in this session: 

  1. What techniques are working well in fighting fraud in immediate payments?
  2. How can your financial institution build a data science platform for fraud prevention that supports agility by allowing analysts to build and bring their own models?


Constantin von Altrock
Co-Founder, Iris Analytics & Director, IBM Safer Payments, IBM

Introduction to the Certified International Payments Professional (CIPP) Program

9:05 AM-9:55 AM | Room: Maryland 1-3

Do you want to be a part of the significant and exciting growth in international payments? Do you and your organization feel equipped to address the many issues related to international payments from either the consumer or business perspective? If so, there is a new initiative just for you called the International Payments Certification, which is being developed by Nacha, Payments Canada and other similar organizations. Learn what will be covered in this certification and how you and your peers can be among the first payments professionals to achieve that distinction. It will benefit not only your personal development, but also that of your organization.    

Questions answered in this session: 

  1. How will the CIPP program benefit the payments industry, organizations and individuals?
  2. What What information will be covered on the CIPP and how can I learn more?


Jane Hennessy
Senior Director, B2B Connect Sales, Visa Business Solutions

Co-presenters to be announced

Lighten & Tighten Your Organization's Wallet

9:05 AM-9:55 AM | Room: Maryland 4-6

This session addresses  known and growing challenges across industries focusing on payment efficiencies (or lack thereof) and how payment automation might impact an organization's bottom line. Speakers share ways to communicate the importance of these issues to organization management and provide insight into how to recognize the importance of addressing these issues, while positively impacting the organization from a cost savings and payment information security and liability standpoint.   

Questions answered in this session: 

  1. What are some common high-impact solutions that require minimal effort to implement to achieve a quick win?
  2. How can an organization develop a communications strategy to achieve buy-in from all employees, regardless of level?


Christina Sousa
VP, AP Solution Consultant, TD Bank, N.A.

Paige Turpin
AP Solution Consultant, Bottomline Technologies

What Can We Learn from the AFP Electronic Payments Survey?

10:10 AM-11:00 AM | Room: Maryland 4-6

The move towards electronic payments for U.S. corporates has been a slow process. The paper check has prevailed as a major payment method for B2B transactions even as the development of faster payments solutions have become operational. The move away from legacy payment structures can be complicated and costly. This session will highlight findings from the Association for Financial Professionals (AFP) 2019 Electronic Payments Survey and will not only share insights to what inroads electronic payments have had in the corporate space, but also what it will take for corporates to begin adopting faster payments.    

Questions answered in this session: 

  1. What is the current paper check use for B2B transactions? 
  2. What are some of the barriers for corporates to adopt faster payments?


Tom Hunt, CTP
Director of Treasury Services, Association for Financial Professionals

Sassan Parandeh
Global Treasurer, ChildFund International

Briefing: Simplifying the Complex Payments Environment for Small Business Customers

10:35 AM-11:00 AM | Room: Maryland 1-3

This session highlights how small businesses can be befuddled by all of the available payment options and can be nervous about selecting the right payment type. This briefing analyzes how banks can leverage tools, such as payments wizards and artificial intelligence, to better guide and inform small businesses. This session highlights the analyst's deep understanding of key trends and bank strategies in the small business space.    

Questions answered in this session: 

  1. How can wizards and AI be leveraged to simplify often manual and complex small business payment processes?
  2. How far are small businesses willing to go to incorporate new technology into their payment processes, and how can banks best position new offerings?


Christine Barry
Research Director, Aite Group