Tuesday, May 1, 2018

Tuesday, May 1, 2018

The following sessions take place on May 1

Sessions from 10:15AM-11:05AM

Payment Facilitators: Risks & Regulation

Spotlight Speaker Series | Intermediate
10:15 AM-11:05 AM | Room 1AB

Sponsored by

Sidley Austin

The on-going expansion of web and mobile merchant marketplaces has led to a corresponding growth in the role of “Payment Facilitators.” Payment Facilitators are payment intermediaries whose role is to simplify the process of enabling small merchants to accept various payment tenders, to authorize transactions and to receive settlement. This session explores the role of Payment Facilitators in managing merchant's risks, including credit risk and money laundering risk, and the regulation of Payment Facilitators in connection with their payment processing functions.

David Durant
Secretary & General Counsel, Yapstone, Inc.

David E. Teitelbaum
Partner, Sidley Austin LLP


Payments Evolution | Advanced
10:15 AM-11:05 AM | Room 2

Learn how one organization approached Robotics Process Automation (RPA) within and the best practices they found to help you with your own transformation journey.

Karen Buck
Executive Vice President, Commercial, Retail and Payment Operations, TD Bank N.A.

Richard W. Burke, Jr. CCM
Head, Corporate Products and Services, TD Bank N.A.

Douglas Mester
Client Executive, IBM

Traditional Disruption: The Synergistic Relationship Between Conventional & Emerging Payments

Payments Evolution | Intermediate
10:15 AM-11:05 AM | Room 3

Financial institutions and traditional payment companies have been scrambling to update their businesses to accommodate millennial customers and compete with newer payment startups. This session identifies the strengths and obstacles of various payments solutions, and identifies the opportunities between traditional and emerging payments.

Peter A. Davey, AAP
Vice President, Payment Innovation, The Clearing House

Lisa Hrabosky
Director, Global Core Payments, Paypal Inc.

Ronald Schultz
Senior Vice President, Product Management, Mastercard

Christopher Ward, CCM
Executive Vice President, Head of Treasury Management Product Management, PNC Bank

Moderated by: Joseph Proto
Chairman and Chief Executive Officer, Transactis, Inc.

Faster Implementations for Faster Payments: What Can Executives Do?

Executive Series | Intermediate
10:15 AM-11:05 AM | Room 4

As solutions are developed to accelerate moving payments faster, implementation can be slow, expensive and risky. Once a financial institution has fully executed a solution, the rules of the game may have changed. What can you do to ensure faster time to market and competitive advantage? Attendees learn how to leverage artificial intelligence and machine learning to cut implementation time, review lessons from a case study of an accelerated complex implementation, and engage in discussion about what can be done to ensure your financial institution meets its predicted go-live date.

Shawn Griffin, CCM
Senior Vice President, MB Financial Bank NA

Krishna Iyer
Chief Executive Officer, Go-Live Faster

Gene Neyer
Chief Strategy Officer, Icon Solutions

Cash Access Evolution: Is it Time to Go Card-Free?

Trending Now | Intermediate
10:15 AM-11:05 AM | Room 5A

Even while consumers continue to require safe access to their cash, they have come to expect intuitive technology solutions and on-demand services that are easy, secure and convenient. Unexpected situations occur every day, and consumers’ on-the-go lifestyles sometimes make it difficult to keep a debit or other payment card on hand. Compounding this situation is fraud risk associated with physical card use and ATM skimming. Learn how you can best position yourself to successfully meet the needs of a diverse and changing consumer financial services market with card-free ATM access.

Sarah Salva

VP, Electronic Banking Manager, Heritage Bank

Carol Specogna
Vice President Accel Network, Fiserv

Banking $1.5 Billion Plus in Recreational Cannabis Sales

Risk & Compliance | Intermediate
10:15 AM-11:05 AM | Room 5B

$1.5 billion in recreational cannabis sales is expected in 2018 in California. As an industry forced to deal primarily in cash, there is substantial risk to financial institutions as well as  state government agencies collecting the tax, licensing and other regulatory-related revenues. With sales likely to increase to $3 billion in 2019 and nearly $4 billion by 2020, inconsistent or lacking guidance proves problematic for all parties involved. Panelists discuss lessons learned regarding banking issues from the frontlines of the legalized cannabis industry as it continues to expand.

Carmella Houston
VP, Business Service, Salal Credit Union

Cora Parker
Finance Director, Oregon State Treasury

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

Monica Sampson, AAP
VP, Electronic Services Manager, Citizens Business Bank

Update on the U.S. Path to Real-Time Payments

Faster Payments Experience | Intermediate
10:15 AM-11:05 AM | Room 7A

The industry-led Interim Collaboration Work Group (ICWG) discusses its approach to a governance structure for the U.S. faster payments ecosystem. Join this session to be among the first to hear how the proposal facilitates cross-solution payments and achieves broad adoption, safety, integrity, trust and interoperability.

Kevin J. Christensen, CISA, CRISC, CTGA
Senior Vice President, Market Intelligence and Data Analytics, SHAZAM, Inc.

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

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

Sean Rodriguez
Senior Vice President, Faster Payments Strategy Leader, Federal Reserve Bank of Chicago

Remain Effective in Third Party Underwriting

Risk & Compliance | Intermediate
10:15 AM-11:05 AM | Room 7B

The scrutiny on third-party underwriting is intensifying. Does your organization have the right processes in place to rise to the challenge? Speakers bring their knowledge and practical experience from the acquiring industry to discuss how to use online resources and background checks to know your third parties, understanding how they are seen from the outside looking in, and what to look for in their policies and procedures.

Aliki Liadis-Hall, CPP
Director of Underwriting & Compliance, North American Bancard

Deana Rich
President, Rich Consulting

Practical Perspectives on ISO 20022 Adoption

Corporate & End User Perspectives | Advanced
10:15 AM-11:05AM | Room 8

Based on their experiences in the European, U.S. and Canadian markets with ISO 20022 adoption, panelists provide insight about the process of migrating a corporate to ISO 20022, as well as the benefits.

Tricia Balfe
Vice President Services, XMLdation Ltd.

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

Frank Keller
Principal, Innovation, Payments Canada

Leisa E Millier
Vice President Global Transaction Banking, TD Securities

Eric Witt
Senior Director, Global Treasury Systems, United Technologies

Public Policy Scorecard: Payments, Politics & Personalities

Trending Now | Intermediate
10:15 AM-11:05 Am | Room 9

Payments are in a period of innovation, and the growth of the industry has brought more scrutiny from policymakers. Policy changes have been unprecedented and government actions are impacting private-sector rulemaking. Community banks and credit unions are likely to see many legislative and regulatory benefits as Congress addresses dismantling Dodd-Frank, but will Congress be able to successfully address legislation and influence regulations that will favorably impact financial institutions of all sizes? Speakers address the future of the CFPB, who is calling the shots in the White House, mid-term election predictions, prospects for cyber/data legislation and how fintech political power may impact policy and force financial inclusion. *Session topics may vary slightly due to the fluid political climate in Washington.

Jeremy D. Pritchard, AAP, CTP
SVP, Senior Treasury Professional, State Bank & Trust Company

William D. Sullivan
Senior Director & Group Manager, Government & Industry Relations, NACHA - The Electronic Payments Association

Drive Value with the ISO 20022 Validator Tool

ACH | Fundamental
10:15 AM-11:05 AM | Room 10

More and more companies and financial institutions in the U.S. are adopting ISO 20022. Yet, migrating to ISO 20022 is not so simple nor straightforward. A growing challenge is the technical preparation in sending and receiving payment message files in the corporate on-boarding process. Hear real-world experiences on implementation of ISO 20022 for corporate to bank payment operations. Learn about the latest product available on NACHA's ISO 20022 Resource Center to complement NACHA's ISO 20022 Mapping Guide & Tool to offer efficiencies and reduce risk in the ISO 20022 integration process.

Michelle A. Palombo, AAP, CTP
Managing Director, Global Client Access, BNY Mellon

Nasreen Quibria
Senior Advisor, Innovation and Technology, NACHA - The Electronic Payments Association

The Power of ACH: Transforming Business by Lowering Costs & Adding Efficiency

Corporate & End User Perspectives | Intermediate
10:15 AM-11:05AM | Corporate Learning Center

Learn how a company transitions its customers from credit payments to online payments with ACH, creating an opportunity for real-time payments and lowering processing costs. Hear what happened when GateHouse made a decision to offer ACH to its monthly advertisers.

William Manes
Chief Strategy Officer, Transactis, Inc.

Betty Tudisco
Treasury Manager, Gatehouse Media

Faster Payments: Implementation Considerations for Corporates in a Large Global Context

Faster Payments Experience | Intermediate
10:15 AM-11:05 AM | Faster Payments Zone

This session addresses the challenges, benefits and perspectives of the corporate cash management market from the perspective of a financial institution and a corporate.

Luc Belpaire
Product Director, Payments, FIS

Rene Schuurman
Product Manager, Citibank N.A.

Ken Shuyama
Vice President, International Treasury, FIS

Sessions from 11:20 AM-12:10 PM

New Needs, New Solutions, New Leaders

Spotlight Speaker Series | Advanced
11:20 AM-12:10 PM | Room 1AB
Societal, behavioral and technological “megatrends” have profoundly changed the financial needs of many consumers, across segments.  While financial solutions have evolved as well, currently available solutions still fall far short of meeting consumers’ most pressing financial needs. This has led to a customer value gap in financial services - traditional financial services firms will need to accelerate customer value creation or risk conceding an increasing share of customer attention and wallet to other firms, primarily to ‘Big Tech.’ This session draws on our 2018 State of the Financial Services report that examines who will close the customer value gap in Financial Services and reap the rewards. We will discuss the changing customer needs, changing solutions and the new rules that will power future market leaders, all designed to prompt attendees to consider the future of their own business.
Rick Chavez
Partner, Oliver Wyman
Aaron Fine
Partner, Oliver Wyman

Real-World Real Time: Delivering Faster Payments with Zelle & RTP

Faster Payments Experience | Intermediate
11:20 AM-12:10 PM | Room 2

Panelists provide an update on how banks and credit unions are using Zelle and RTP, including a case study from a financial institution that explains its strategy to provide real-time payments across use cases and client segments.

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

Paul Trozzo
Senior Vice President, Product Group Manager, PNC Bank

Laura Weinflash
Vice President, Product Management, Early Warning

What the Escheat? All You Need to Know About Unclaimed Property

Risk & Compliance | Intermediate
11:20 AM-12:10 PM | Room 3

Unclaimed property laws can leave financial institutions at risk of noncompliance, increasing the likelihood of significant fines and penalties post-audit. Given the demonstrated increase in the number of audits performed there are often more questions than answers. Why the increase? Who performs these audits? And what can the ACH Network do to help prevent your organization from being “escheated?” A panel of industry experts discuss the who, what and why, and share case study findings, which includes best practices to help reduce your exposure and liability.

Sandra Gaskamp, AAP, NCP
Payment Services Manager, University Federal Credit Union

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

Crystal Plew
Bank Operations Manager, Johnson Bank

Michael Ryan
SVP Business Development, Georgeson Securities, Computershare

Cheryl L. Tiedt, AAP
Cash Manager, Thrivent Financial

Examining the Future of Financial Services

Executive Series | Advanced
11:20 AM-12:10 PM | Room 4

With the day-to-day swirl of annual goals, market competition and interest rate worries, it can be challenging to think ahead to what’s coming next, especially if it’s more than a few years down the line. Filene’s extensive analysis paints an overall optimistic picture, showing you what financial products and services consumers will use in 2025, which channels they will primarily use to access those products and services, how many financial institutions will be there and what the overall ecosystem that supports them will look like. The research also addresses what impact economic changes will have on payments and lending, the importance of upping your digital game and how big data plays a role. Attendees walk away from the session with a better understanding of what it takes to prepare for that not-so-distant future.

Erin Coleman
Senior Impact Director, Filene Research Institute

After the Handshake: The Business Woman’s Networking Dilemma

Professional Development Series | Intermediate
11:20 AM-12:10 PM | Room 5A

Effective networking for women in business has always been integral to a successful professional trajectory. This panel session - comprised of leading business women in the financial industry – explores proven networking techniques for women in today's marketplace.

Cheryl Gurz
Director, Global Payments Solutions, CGI

Rita Rafalovsky
Senior Vice President, TM Innovations, PNC Bank

Cheryl L. Venable
EVP, Retail Payments Product Manager, Federal Reserve Bank of Atlanta

The Current Outlook on P2P Payments

Payments Evolution | Intermediate
11:20 AM-12:10 PM | Room 5B

The last 18 months have seen major shifts in P2P with the launch of new services and new alliances. New research and first-person insights shed light on why P2P payments are trending among consumers.

David Henshaw
Vice President, Senior Manager Product Management, Bank of the West

Ken Alan Myhra
Senior Virtual Banking Manager, BECU

Whitney Stewart
Senior Vice President, ePayments, Fiserv

Global API Standardization: Driving Innovation and New Operating Efficiency

Payments Evolution | Intermediate
11:20 AM-12:10 PM | Room 7A

Countries around the world are in different stages on their API implementation paths. Those who have engaged industry stakeholders to work together towards API standardization have a unique story to tell. Be enlightened by how Canada, South Africa and the U.S. have brought stakeholders together in a proactive way in this fast-changing API environment.

Janet O. Estep
President and CEO, NACHA-The Electronic Payments Association

Sue Hutchison
Chief Commercial Officer, Payments Canada

Steve Wiggins
Chief Executive, Payments NZ Limited

Moderated by: Walter Volker
Chief Executive Officer, Payments Association of South Africa


Corporate & End User Perspectives | Advanced
11:20 AM-12:10PM | Room 7B

Learn how innovation and better technologies mixed with classic solutions can be part of a cutting edge line-up that keeps bankers at the center of the relationship with their corporate clients.

Alan S. Koenigsberg
Chief Revenue Officer, TraxPay AG

Markus Rupprecht
Founder and Chief Executive Officer, TraxPay AG

Thomas Spataro, CTP. FLMI
U.S. Treasurer, Computershare

Optimizing Payment Risk Mitigation in Real Time

ACH | Intermediate
11:20 AM-12:10 PM | Room 8

Leveraging real-time data to perform risk evaluation and mitigation is core to every payment operation. The more successful the tools, the more successful the results, whether a corporate, government or financial entity. This panel shares what and how the tools are used to successfully preclude payment risk and fraud, how these tools are enhanced in real-time and how the use of APIs, Graphical User Interfaces (GUIs) and data integration directly lead to improved operational functions and faster payments. In addition to sharing how these tools are integrated, panelists detail how to successfully and rapidly onboard a customer or corporate entity in real time while managing possible negative outcomes, as well as best practices for both payables and receivables integration.

Lisa Hrabosky
Director, Global Core Payments, PayPal Inc.

Rene Lacerte
Founder & CEO, Bill.com

Hector E. Sandoval, CTP
VP, Product Line Leader, Early Warning

Moderated by: Steven E. Bernstein
Executive Director, ACH, Global ACH Marketing & Product, J.P. Morgan

Women & Their Payment Preferences in a Faster Payments World: The Trillion Dollar Opportunity

Trending Now | Intermediate
11:20 AM-12:10 PM | Room 9

Women represent a trillion dollar market when it comes to making payments. This session leverages Javelin's recent consumer study to reveal how women differ in their needs when choosing a payment type for moving money. The presentation explores the impact the faster payments trend has on women's choices and their willingness to pay for speed. Attendees partake in a discussion about the opportunities to pursue in marketing to women, as well as the challenges companies must overcome to avoid losing female customers.

Michael Moeser
Director, Payments, Javelin Strategy & Research

Reimagining the Deposit Account Opening Experience

Trending Now | Intermediate
11:20 AM-12:10 PM | Room 10

Financial institutions are always seeking to improve the account opening process for corporate and consumer customers, and changing needs and customers requests force FIs to reimagine the process from the ground up. This session reviews how – working closely with its clients – an FI provides flexible solutions to allow platform scaling and even simplified the experience by focusing on single decision points allowing clients to do an account opening request anytime. Attendees hear how an FI and its client worked together to discover and design the future of the deposit account opening experience.

Andrew Ahresndorf
Vice President, FirstService Residential

Jenn Bove
Senior Director, Capital One

Xenia Kwee
Senior Manager, Analytics Experience, Capital One

Chad Wallace
Head of Product for Digital Channels - Commercial Bank, Capital One

Real-Life Improvements in Corporate Electronic Payments

Corporate & End User Perspectives | Intermediate
11:20 AM-12:10PM | Corporate Learning Center

Learn how corporations reduced the complexity of electronic payments and cash reporting for domestic and international payments by implementing the ISO 20022 standard. Panelists reveal best practices and lessons learned from their experiences, as well as new areas the ISO 20022 can be deployed in the U.S.

Ed Barrie
Director, Treasury, Tableau Software

Guy Berg
Vice President, Payments, Standards & Outreach Group, Federal Reserve Bank of Minneapolis

Rich Urban
President, IFX Forum, Inc.

Faster Payments, Mobile Wallets...What is Taking Sooo Long?

Faster Payments Experience | Intermediate
11:20 AM-12:10 PM | Faster Payments Zone

Hear the most up-to-date research on corporate and consumer adoption and usage of payments technologies. Gain an understanding of the current state of faster payments, mobile wallets, P2P and other payments initiatives, as well as a roadmap for next steps.

Leon Majors, III
Senior Vice President, Phoenix Marketing International

Stephen Mott
Principal, BetterBuyDesign

Sessions from 2:30 PM-3:20 PM


Corporate & End User Perspectives | Intermediate
2:30 PM-3:20 PM | Room 1A

Payments have evolved from a fully paper-based process to telephone dial-up, then the internet, and now the Internet of Things (IOT). Attendees receive practical ideas about how to implement real time, Same Day ACH, distributed ledger technology and more from a payment service hub running in the cloud. Uncover the myths and realities behind implementation, total cost of ownership, security, compliance and risk.

Peter Hazou
Director, Business Development, Microsoft Corporation

James Hebert
Director of Consulting, Payments Platforms/Hubs, CGI Technologies and Solutions Inc.

The Future of Merchant Services: New Insights

Trending Now | Intermediate
2:30 PM-3:20 PM | Room 1B

Enterprise merchants are facing new opportunities and challenges in payments, whether it be integrating payments more seamlessly into customers’ buying journeys, battling greater fraud complexity than ever before, or much more. How are merchants shaping their payments strategies to deal with the new model of commerce?  How has the role of merchant services providers evolved in addressing these challenges for clients?  What are merchants saying about the abilities of different service providers in helping them address these challenges?  This session provides insights from Oliver Wyman’s 2018 Voice of the Merchant study where enterprise merchants shared thoughts about their vision for the future of commerce and how merchant services providers can help them win.

Rob Mau
Partner, Oliver Wyman

Rick Oxenhandler
Principal, Oliver Wyman

Crossing the Border: Driving Innovation With Efficiency

Payments Evolution | Intermediate
2:30 PM-3:20 PM | Room 2

Emerging models and frameworks promising to improve processes, costs, and the customer experience will dramatically change the world of cross-border payments. This session addresses the drivers and trends affecting the cross-border payments ecosystem, and how new solutions lay the groundwork for innovation and stronger customer relationships.

Patricia Hines, CTP
Senior Analyst, Corporate Banking, Celent

Joseph Stark
Head of Americas, Earthport 

Lessons Learned from Real-Time Payments Early Adopters

Faster Payments Experience | Intermediate
2:30 PM-3:20 PM | Room 3

In this session early adopters of the The Clearing House's Real-Time Payments network share lessons learned and customer feedback.

Jim Colassano
Senior Vice President, Product Development & Strategy, The Clearing House

Laura J. Listwan, AAP, CTP
Senior Vice President, U.S. Bank

Rita Rafalovsky
Senior Vice President, TM Innovations, PNC Bank

Carl Slabicki, AAP, CTP
Director, Product Line Manager, BNY Mellon

Diversity & Inclusion: Benefits, Challenges & Implementation Strategies

Executive Series | Advanced
2:30 PM-3:20 PM | Room 4

Discussions about diversity and inclusion dominate boardrooms across the globe. With prospective employees willing to move across oceans for the right job, understanding how to maintain a diversity and inclusion strategy that recruits and retains the top talent your organization needs is extremely important. This session provides attendees a forum to hear from panelists actively working to enhance their organization’s initiatives and policies regarding diversity and inclusion. They also share the benefits they’ve noticed since implementing a formal policy as well as any challenges encountered along the way.

Cassandra Gordon
VP, Funds Movement Group Manager, TD Bank, N.A.

Alan S. Koenigsberg
Chief Revenue Officer, TraxPay

Patricia Pacheco
Executive Director of Latin America Corp Banking and Head of Diversity Efforts for HOLA, Bank of America Merrill Lynch

Moderated by: Michael R. Hatcher
Attorney at Law, Jackson Lewis P.C.

Navigating the Future of Artificial Intelligence: How to Prioritize Innovative Payment Technologies

Payments Evolution | Advanced
2:30 PM-3:20 PM | Room 5A

This session focuses on how artificial intelligence and machine learning are changing the payments landscape. Attendees discuss the pros and cons of new tools and prioritize which technologies will contribute to faster, timelier and more efficient payments.

Alexis Blackstead
Vice President, Electronic Payments, Western Union

Winning the War on CNP Fraud

Risk & Compliance | Intermediate
2:30 PM-3:20 PM | Room 5B

Payment fraud prevention is a perpetual war pitting legitimate payments systems participants against sophisticated, relentless and well-financed global criminal elements. The prevalence of identity theft and payment data breaches, the growth of remote payments such as e-commerce and m-commerce, and the migration to EMV are all contributing to the expansion of Card Not Present (CNP) fraud. Criminals work relentlessly to develop new and improved attack vectors and methods. To mitigate these risks, it is essential to develop adaptive – rather than reactive – strategies. This panel discussion provides insights from a recent Accredited Standards Committee X9 CNP Fraud Mitigation study and shares perspectives from fraud risk management experts and stakeholders.

Guy Berg
VP, Payments, Standards & Outreach Group, Federal Reserve Bank of Minneapolis

Andrew McGloin
Senior Director, North America Risk, Visa Inc.

Bryan Penny
VP, Payments & New Markets, Nordstrom

Keeping Pace with the Evolving Payments Processing Landscape

Risk & Compliance | Intermediate
2:30 PM-3:20 PM | Room 7A

Faster payments networks driven by mobile payments, changing buying trends, and new technologies require compliance programs to keep pace or risk disruption to the business. Current programs are tactical, regulation-specific and deadline driven, making it cumbersome and costly to support evolving payments processing networks. Speakers describe regulatory requirements related to KYC , AML monitoring, and sanctions screening, as well as provide a transformative, holistic approach to addressing the payments processing landscape. Learn how to refocus the scope of current compliance programs by adopting integrated risk and compliance governance models; improve the use of payments transaction data to optimize regulatory compliance requirements; and identify current technology trends to improve overall efficiency.

Henry Balani
Global Head of Strategic Affairs, Accuity

Adam Schabes
Managing Director, AML Technology, Modeling & Analytics, BMO Financial Group

Managing Your Professional Image

Professional Development Series | Fundamental
2:30 PM-3:20 PM | Room 7B

This interactive session provides attendees with ways to enhance their professional image, giving them that extra edge to establish trust and credibility in the workplace. Topics include making a good first impression, appropriate dress for various business occasions, shaking hands in a confident manner, using business cards appropriately and being more skilled at social networking and first-time meetings. Speakers and attendees also discuss generational differences in the workplace as well as best practices for meetings and conference calls, cell phone usage and email etiquette, all of which will help professionals become more confident and effective in their business interactions at any level.

Jane Hennessy

Head of External Alliances, G2 Web Services LLC

New Delivery Channel for Remote Cash Capture

Corporate & End User Perspectives | Intermediate
2:30 PM-3:20 PM | Room 8

This case study highlights a regional financial institution’s search for and eventual partnership with a vendor that could provide them with a turnkey and managed Smart Safe program structure. Gain an understanding on how the market is changing.

Erika R. Miller
District Manager, Goodwill Industries of Michiana, Inc.

Andrea D. Smiddy-Schlagel, AAP, CTP
Vice President, Treasury Services Division Head, 1st Source Bank

Patrick E. Smith
Director of Sales, Remote Cash Capture, Superior Press, Inc.

ACH & Fraud Trends: Is the Sheriff in Town?

ACH | Intermediate
2:30 PM-3:20 PM | Room 9

The ACH Network has been a relatively low-risk payment channel, yet the risk of fraud, customer, and bank losses exists. The faster velocity of payments can also contribute to increased risk. There are many tools available to counter and reduce fraud available to the “sheriffs." Speakers take attendees through the landscape of fraud in the ACH Network, while illustrating trends and the impact of faster ACH payments to date, as well as advise on some methods and tools to counter fraud at the client - and financial institution - level. Presenters also cover best practices for vetting clients, setting and monitoring soft exposure limits, and online banking risk mitigation for ACH origination.

Peter Hohenstein
Senior Director, ACH Network Administration, NACHA - The Electronic Payments Association

Thomas Lopes
SVP, ACH Product Management, Citibank N.A.

Payments Decisions at the Point-of-Sale

Trending Now | Intermediate
2:30 PM-3:20 PM | Room 10

This session – relying on a comprehensive study of more than 2,500 U.S. consumers – dives deeply into key questions about how consumers decide what payments method to use at the point-of-sale. Session attendees learn the factors that influence how consumers pay for any given purchase at the point-of-sale and more. Leave this session with an understanding of when consumers shop online, what factors influence choice of a payments tool; how consumers choose a stored or default card; the incentives, if any, that promote switching; and with Apple Pay and Samsung Pay gaining traction in the U.S., what the outlook is for these and other mobile and digital payment tools.

Joel Stanton
Senior Research Manager, Lightspeed Research, Inc.

Driving Payments in the Right Direction

Corporate & End User Perspectives | Intermediate
2:30 PM-3:20 PM | Corporate Learning Center

KYC is top of mind for everyone in the payments industry. In this session, panelists discuss having complex payment processes in place, while being an early adopter in implementing rigorous KYC procedures. They also share their progress, including any obstacles to overcome, such as challenges faced as they address sanctions management with their teams. Attendees learn how the panelists have managed controls and visibility across more than one payments system.

Crista Binder
Treasurer, City of El Segundo

Craig Jeffery, CCM
Managing Director, Strategic Treasurer LLC

Scott Lambert, AAP, CCM, PMP
Treasury Senior Director, Cigna Corporation


Faster Payments Experience | Intermediate
2:30 PM-3:20 PM | Faster Payments Zone

This session outlines the faster payments movement, critical strategic considerations for preparation and provides a case study on how a community bank is working with their core processor for moving payments faster and supporting this movement through a sustainable risk management program for the next generation of payments.

Mark Majeske
Vice President, Product Development, The Clearing House

Deborah Matthews Phillips, AAP
Managing Director, Payment Strategy, Jack Henry & Associates

Terri P. Sands, AAP
Senior Vice President, Payments Oversight & Fraud Management, State Bank & Trust Company

Sessions from 4:35 PM-5:25 PM

Life After the PAN

Risk & Compliance | Advanced
4:35 PM-5:25 PM | Room 1A

News of data breaches and increasingly sophisticated cyber-attacks on private sector companies and government agencies seem to be commonplace these days. Financial technology innovations can be leveraged to help mitigate the damage of cyber-attacks by de-valuing the most sensitive part of the transaction information, the PAN. Attendees gain insights about the regulatory landscape on data security, how the payments industry is approaching de-valuing the data and how fintech is working to solve these problems as well.

Maria T. Arminio
President & CEO, Avenue B Consulting, Inc.

Kim Ford
Senior Vice President, Head of Government Affairs, First Data

Mimi Hart
President & CEO, MagTek, Inc.

APIs: A Gateway for Change in Payments

Trending Now | Intermediate

4:35 PM-5:25 PM | Room 1B

APIs are no longer just viewed as just technology building blocks. Across financial services, they are being offered as products that assist in building customer-centric solutions and are reinventing digital channels. Join this session to learn about the latest trends in open banking globally, key market initiatives showcasing the relevance of API’s and considerations for implementation from financial institution and corporate viewpoints.

Michael Balk
Senior Director, Global Treasury Settlement, Visa Inc.

Tom Durkin, CTP
Managing Director, Global Head of Digital Channels, Global Transaction Services, Bank of America Merrill Lynch

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

Moderated by: Conrad M. Sheehan
North America Core Payments Lead, Accenture

Reducing the Risk of ACH & Wire Transfer Litigation

Risk & Compliance | Intermediate
4:35 PM-5:25 PM | Room 2

Implementing a foolproof system to guarantee that your institution will not get sued for processing payments is impossible. You can, however, reduce the likelihood of litigation. The presenters have been called as expert witnesses on dozens of ACH and wire transfer cases. This session reviews these cases with the objective of teaching what went wrong and how the financial institutions could have taken steps to reduce the chances of being sued. Speakers also address what steps FIs can take to reduce the probability of losing a lawsuit if they are sued.

Paul A. Carrubba
Partner, Adams & Reese, LLP

Elliott C. McEntee
President & CEO, Payment Advisory Service

Canada Payments Modernization: What’s Happening North of the Border?

Payments Evolution | Intermediate
4:35 PM-5:25 PM | Room 3

Canada’s payments modernization program is a multi-year initiative designed to create fast, flexible and secure payments system while setting the stage for greater innovation. Attend this session to learn about this initiative, why it is happening , and what it will deliver for you and your clients.

Andrew McFarlane
Senior Manager, Financial Services Consulting, Accenture

Aaron Semel
Product Manager, Electronic Payments, J.P. Morgan

Sue Whitney
Head of Industry Relations, Payments Canada

Moderated by: Amy Altersohn
Executive Director, J.P. Morgan

Real-Time Payments: Corporate Considerations

Trending Now | Intermediate
4:35 PM-5:25 PM | Room 4

As financial institutions and processors are planning and preparing for real-time payments, corporate clients have their own considerations to think about. This session provides corporate customers with a number of issues to consider as they evaluate the use of real-time payments in their business.

Russell S. Ellsworth
Director & Unit Manager, MUFG Union Bank

Cristina Hellems, AAP
Vice President/Senior Product Manager, MUFG Union Bank

Courtney Trimble
Managing Director, KPMG LLP

What Corporations Expect from Real-Time Payments

Corporate & End User Perspectives | Intermediate
4:35 PM-5:25 PM | Room 5A

The Clearing House’s new Real-Time Payments (RTP) platform has the potential to transform the U.S. payments landscape and enable financial institutions and businesses alike to rethink how they develop and deploy payments solutions. Panelists share what they expect to see in future payments solutions built on this platform and how they can be used to provide value to end users.

Jim Colassano
SVP, Product Development & Strategy, The Clearing House

Charles Ellert
Head of Payments Strategy, Verizon

Shawn Princell
President, Cash Flow Solutions, Inc.


Payments Evolution | Intermediate
4:35 PM-5:25 PM | Room 5B

This session sets the stage for payments modernization activities happening in North America and explains how financial institutions can utilize these new capabilities to achieve their goals and meet customer needs.

Sayantan Chakraborty
Head of Product, Global Treasury Management, U.S. Bank

Howard Forman
SVP, Online Treasury Management Solutions, PNC Bank

Troy Hagey
Managing Director, Financial Services, KPMG LLP

Lisa Lansdowne-Higgins
VP Business Deposits and Treasury Solutions, Royal Bank of Canada

Preparing for Regulation CC Update Affecting Mobile Deposits

Risk & Compliance | Fundamental
4:35 PM-5:25 PM | Room 7A

The final amendments to Regulation CC are set to go into effect on July 1. During this session, attendees receive a better understanding of the changes. Speakers discuss considerations financial institutions should take into account and how to balance the mobile RDC experience while meeting the new compliance changes. Gain an understanding of newly introduced technology available to financial institutions that enable them to respond quickly to the amendment changes, while maximizing user experience and how financial institutions can leverage real-time evaluation of risk to post in real time through mobile and RDC deposits.

Beverly Dobesh, AAP
Payments Processing Analyst, American Airlines Federal Credit Union

Xan Kasprzak
VP, Risk Management & Client Services, Ensenta Corporation

Kevin Olsen, AAP, NCP, MCSE
Senior Vice President, Payments Education, ePayResources

Angie Smith, AAP, NCP
SVP, Professional Development Events, WesPay

The Case for Real-Time Payments in Bill Pay Scenarios

Payments Evolution | Intermediate
4:35 PM-5:25 PM | Room 7B

Effective bill presentment and payment solutions that solve for both real time payments and recurring billing needs in a single platform provide great efficiencies. In this session we explore various use cases for real time bill payments and how to manage the risks associated with those use cases.

Kylie Keyzer
Vice President, Global Product Management Manager, Wells Fargo

Bill Morrison
Chief Product Officer, Transactis, Inc.

Exploring the Charted Territories of Real-time Payments: What Maturing Markets Reveal

Faster Payments Experience | Advanced
4:35 PM-5:25 PM | Room 8

The UK real-time market continues to evolve and open up and it’s changed the competitive landscape as smaller institutions jump on opportunities to win new business. This session reveals the kinds of real-time innovations that have been at the center of the UK’s market demand and competitive wins and offers practical guidance for realizing similar gains at your institution.

George Evers
SVP, Product, Real-time Infrastructure & Commercial Applications, VocaLink

Sandra Horn
Senior Principal Product Manager, ACI Worldwide

Using Benchmarking to Set Your Payments Strategy

ACH | Intermediate
4:35 PM-5:25 PM | Room 9

The results of EPCOR’s 2017 Payments Benchmarking Study are now available. EPCOR distributed the survey to 1,941 member financial institutions, with the goal of providing insights to the payments industry on the approaches and plans that financial institutions in the central U.S. are taking in relation to all things payments. Attend this session to hear the results of the survey and gain insightful information on how financial institution operations staff can create their own strategy that compliments your organization’s strategic and corporate plan.

Elizabeth A. Cronenweth, AAP, CTP
SVP, ACH Segment Manager, Huntington National Bank

Jennifer Kirk, AAP
VP, Industry & Government Relations, EPCOR

Beyond AlphaBay & Hansa: Combatting the Dark Web

Risk & Compliance | Intermediate
4:35 PM-5:25 PM | Room 10

Hansa may have been taken down last year, yet AlphaBay remains the world’s largest dark website and many others still remain. Speakers demonstrate the ugly side of electronic commerce on the dark web as they take you on a journey where you can buy debit card data, bank account data, and counterfeit currency. Becoming aware of these sites will help your team educate employees, conduct research into potential illegal activity, and complete better due diligence on customers and Third-Party Payment Processors.

John Meyer
Chief Product Officer, Banker's Toolbox, Inc.

Patricia Presta, AAP
VP, Education, WesPay