www.gachasolutions.com

GACHA
Solutions Conference
Bridging the Gap
Between Payments
and Business
Performance
Crowne Plaza Atlanta Premiere at Ravinia | September 17-19
Payments Innovation
Compliance
Regulations
Training
Rules
Risk
www.gachasolutions.com
2014 Solutions
Rapid changes in the electronic payment space is no surprise.
Technology, Innovation and Regulation are three of the key driving
forces behind the breakneck speed of the changes we are seeing.
This year’s theme Bridging The Gap Between Payments and Business
Performance could not be more fitting. Financial institutions and
payments related businesses are charged with bringing innovative
products and solutions to customers.
At Solutions, each session is strategically designed to provide you
with the most timely information on the latest advances and best
business practices.
s Practical information with benefits you can realize immediately
s Lively networking events – Collaborate with peers or catch-up with
old friends
sA place to investigate the latest industry solutions to help maximize
business performance
Hotel Information
Crowne Plaza Hotel Atlanta Perimeter at Ravinia
4355 Ashford Dunwoody Road | Atlanta, Georgia 30346
www.cpravinia.com | Room rate: $119
The Crowne Plaza Atlanta Perimeter at Ravinia is located in Atlanta’s Perimeter Center, near
Buckhead, downtown Atlanta and Corporate Offices of Fortune 500 companies, making this
hotel the perfect place for business or leisure travelers, to rest their heads. Built around a series
of waterfalls and beautiful terrace gardens, the hotel is nestled within the 42 acre wooded
Ravinia Park of with miles of winding footpaths, which surround the 15 story hotel. Read more
and make your reservation at www.gachasolutions.org
Continuing Education Credits
Sessions have been designed to offer Accredited ACH
Professional (AAP) credits. Credit may be available for other
professional programs as well. It is the responsibility of the
attendee to submit requests for continuing education credits
to the appropriate organization.
Registration
You may register online through our secure server at www.gachasolutions.org, by mail
or fax using the attached form. Payment by ACH is encouraged. Registration
confirmation will be e-mailed within five business days of receipt. For
additional information, please call us at (678) 384-9791 or
e-mail us at [email protected]. Payments will be
processed at the time of registration.
GACHA
Solutions Conference
www.gachasolutions.org
Featured Speakers
Laurie Appelbaum, AAP, ACH Sales Engineer, Financial & Risk Management Solutions, Fiserv
Laurie Appelbaum, AAP, is the managing director of Appel Enterprises, a professional
development company which promotes the training and development of payments
professionals. She possesses over twelve years experience in the payments industry and
has developed payments training programs as well as managed conferences for a variety of
payment related businesses.
Donna Ashworth AAP, President & CEO, TACHA
Donna Ashworth is the Executive Director for the Tennessee Automated Clearing House
Associate (TACHA). Donna has worked for TACHA for the past 23 years. Donna is an Accredited
ACH Professional. She is responsible for the overall management of the association, Audit
Services, Risk Assessments, Training and Consulting.
Gai Craig, AAP, CTP, President & CEO, ALACHA
Gai Craig is Executive Director of the Alabama ACH Association where she is responsible for
member education and training, operational and marketing support and ACH audit and risk
management services. Gai an Accredited ACH Professional and Certified Treasury Professional.
Peggy Gachesa, AAP, President & CEO, GACHA
Peggy worked for GACHA as an independent consultant and performed ACH Audits and
on-site training. She accepted the interim position as the President of GACHA in September
2007, which led to her current role as President & CEO of GACHA. Peggy recently served on
NACHA’s Rules and Operations Committee and Strategic Planning Committee. She currently
sits on the Risk and Compliance Committee.
Jay McLaughlin, Chief Security Officer and Senior Vice President, Q2ebanking
Jay McLaughlin is the Chief Security Officer and Senior Vice President for Q2ebanking, a
provider of premier electronic banking solutions for community focused financial institutions. In
this role, he is responsible for the delivery and execution of the organization’s overall information
security strategy. Jay brings more than 15 years of industry experience.
Jessica Rios, AAP, Senior Vice President, Association Services, GACHA
Jessica is the Senior Vice President of Association Services of GACHA and has been with the
Association since February of 2007. Jessica has the responsibility of managing the Association’s
operations, member services, education planning and training. Jessica actively participates
in the Regional Payments Association’s Education Committee, Marketing Committee and
NACHA’s Mobile Payments Product Group.
Lee Wetherington, AAP, Director of Strategic Insights, ProfitStars
Lee Wetherington, AAP, is Director of Strategic Insight for ProfitStars®, a division of Jack
Henry & Associates® (JKHY: NASDAQ). Lee directs the development of actionable insight and
strategy for the financial services industry. To this end, he creates programs, presentations,
and articles designed to orient and educate financial executives on the trends and implications
of new technologies.
Allen Young, AAP, President & CEO, SOCACHA
Allen Young currently serves as President & CEO of the South Carolina ACH Association
(SOCACHA). His responsibilities include managing the day-to-day operations of the association
as well as conducting payments training, consulting engagements and assisting with problem
resolution. Allen has previously served on the ABA’s Routing Number Administrative Board,
NACHA’s Rules Enforcement Panel, NACHA’s Arbitration Board and various industry
workgroups.
For additional speaker biographies
visit: www.gachasolutions.org
GACHA
Solutions Conference
www.gachasolutions.org
2014 Exhibitors
Argos Risk*
ECCHO
3250 Riverwood Pkwy, Suite 150 | Atlanta, GA 30339
Federal Reserve Bank of Atlanta
First National Bankers Bank*
GACHA
Guadrian Analytics
InfoSight, Inc.
Solutions Conference
Jack Henry
Crowne Plaza Atlanta
Premiere at Ravinia
September 17-19
Magic Wrighter
NICE Actimize
Online Business Solutions
Trusteer
Verafin*
register online at www.gachasolutions.org
* Vendor Showcase
2014 Sponsors
NACHA - Wireless
Federal Reserve Bank of Atlanta - AAP Dinner; Gold Sponsibitor
First National Bankers Bank - Bag Insert
To learn more about becoming a vendor, email us at [email protected]
Who Should Attend?
IT
Electronic Payment Service Providers
CPA
Payments Professionals
CFO
Security Professionals
Auditors
AAP Professionals
Marketing
CTP Professionals
Operations
Quality Assurance
Compliance
Financial Services
Green Statement
In order to conserve paper use, GACHA will provide all attendees with electronic
access to the presentations instead of printed handouts. One week before the
conference, attendees will be provided with a web link to the available
presentations. Attendees can then print any that they would
like to have on hand. The presentations will be
available online for 6 months after
the event.
GACHA
Solutions Conference
www.gachasolutions.org
Schedule & Descriptions
*For up to date agenda, visit www.gachasolutions.org
Wednesday, September 17, 2014
12:00 - 5:00 PM
Registration/Exhibitor Set-Up
1:00 - 5:00 PM
Pre-Conference
Workshops
Fraud Forum
What Business Did You Say You’re In Again? - Getting to KYC & KYCC in 3 Simple Steps
Brent Siegel, Argos Risk
*There is an additional
charge to attend these
workshops.
Financial institutions are tasked with knowing their customer (KYC) and knowing their customer’s customer
(KYCC). At the end of the day, it’s the financial institution that is responsible for all ACH entries it originates.
In order to mitigate risk, banks and credit unions can follow three simple steps—investigate, model, and
monitor—to get a better understanding of the customers that they are doing business with. In today’s economic
climate, organizations must go beyond the basic requirements in order to protect themselves against risky
relationships.
Payment Security Trends
Matt Pfaltzgraf, Shazam
In today’s environment of growing fraud and identity theft, it’s important to find payments partners who take
your customers’ trust as seriously as you do. How do you analyze effective trends in fraud risk management
tools to help protect your institution and customers? This discussion will highlight tools available and emerging
technologies like, tokenization, verification systems, chip and pin.
Heartland, Target, Neiman Marcus. Who’s Next? Managing through Card Compromises
Michael Wright, MBA, AAP, Delta Community Credit Union
Are data breaches the new norm? Card data is stored by financial institutions and with merchant customers.
Is storing data a necessary gamble? What happens if you or your customer experiences a data breach? In this
session we will discuss various methodologies for preparing policies and procedures to manage data breaches.
1:00 - 5:00 PM
Pre-Conference
Workshops
ACH Fundamental
Workshop
*There is an additional
charge to attend these
workshops.
Receiving ACH 101
Jeanette Waye, AAP, GACHA; Debbie Webster, AAP, NCP, GACHA
This session designed to provide the groundwork for understanding ACH from the perspective of the Receiving
Depository Financial Institution (RDFI). Participants will discuss the different terms and acronyms that are
used in ACH processing, different transaction types that will be received, and how these items are received,
settled and returned. Emphasis will be placed on covering the obligations of RDFIs while highlighting areas
the RDFI can limit their liability.
Originating ACH 101
Rita Guess, AAP, Synovus Bank
Does your institution originate ACH entries? Or are you considering beginning an origination program? This
seminar will cover the fundamentals of ACH origination including the requirements for Originating Depository
Financial Institutions (ODFIs), third party processors, OFAC and more. ODFI controls to help mitigate risk will
also be discussed. Attendees will gain a practical understanding of why ACH origination is a vital service to
offer, as we discuss how to market your new service and how to identify potential originators from an existing
customer base.
Tech Specs
Jeanette Waye, AAP, GACHA; Debbie Webster, AAP, NCP, GACHA
For most financial institutions, ACH reports are printed and reviewed daily. Have you ever wondered where
the information comes from to build those ACH reports? Join us to review how ACH files are formatted and
what information is included with each file. Time to review the technical side of ACH!
5:00 - 6:00 PM
Welcome Reception
7:00 - 9:00 PM
Platinum Dinner
Thursday, September 18, 2014
7:15 - 8:15 AM
Continental Breakfast in Exhibit Hall
8:15 - 9:30 AM
Opening Remarks
8:15 - 9:30 AM
General Session
Using Regulation to Drive Innovation
Laurie Appelbaum, AAP, Fiserv; Jessica Rios, AAP, GACHA
As the industry evolves financial institutions are forced to keep-up, whether it is with the Jones or just to meet
compliance obligations. Are you charting your own course or just along for the ride? Time has shown us that
compliance with complex regulations, when done right, can be a key driver of innovation.
9:30 - 10:00 AM
Break in Exhibit Hall
GACHA
Solutions Conference
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10:00 - 11:00 AM
Concurrent Sessions
Bridging The Payments Gap for Gen XYZ
Consumer Panel
There are many theories about Millennials or Gen Y and their payment habits. In this session we will go beyond
the statics and directly to the source. We will speak with members of the Gen Y generation to find out what
drives them to choose one payment option over another. In addition, you will leave the session with strategies
to address Gen Y demands.
Evolution of B2B Payment - Change has Arrived
Scott Songer, Kontrol Payables
The speaker will cover key areas within the payment ecosystem that are being affected by various payments
types and alternative offerings within the B2B industry. In addition, participants will get a better understanding
of what new technologies are available in the market place to facilitate various payment needs between
businesses. Learn why check payments may not “rule”, but are still representing 60% of payments in the
B2B space and how technology can make that number decrease faster.
Cybercrime Panel Discussion
Laurie Appelbaum, AAP, Financial & Risk Management Solutions, Fiserv; Wenlock Free, Security Metrics;
Law Enforcement Speaker; Kristy D. Powell, AAP, Synovos
In 2012, the Internet Crime Complaint Center received more than 300,000 complaints from businesses and
consumers reporting some type of Internet fraud. Join our expert panel of speakers including a Secret Service
agent, a security expert and a bank as we journey through the underground world of account takeover. Examine
the minds of criminals and explore the latest techniques used today to steal banking credentials, which are
then used to originate fraudulent ACH transactions and wire transfers. Speakers discuss specific measures
attendees can take to prevent account takeovers at their businesses.
11:00 - 11:10 AM
Transition Break
11:10 AM - 12:10 PM
Concurrent Sessions
Card Investigations Reg E Style
Peggy Gachesa, AAP, GACHA
Understanding what your responsibilities are as a card issuer for handling error disputes or unauthorized claims
is critical to protecting your cardholders and ensuring compliance with Regulation E. Do you understand what
your obligations are under “ZER0 Liability”? This is a great opportunity to review what you are required to do
under Reg E and exchange experiences with your peers from other organizations.
Driving B2B payments to Cards
BC Krishna, Mineraltree
Businesses in the U.S. still pay half of their bills by check, according to a September 2013 survey by the
Association for Financial Professionals.
But are there effective alternatives to checks for the vast majority of US businesses? This session will explore
card-based alternatives to check payments. In particular, we will use real-world B2B payment transaction data
to understand the strengths and weaknesses of credit card-based B2B payments. And, yes, folks — Debit
Cards may be a really attractive alternative to checks — real-time, inexpensive, easy to access, and with
fantastic new revenue possibilities.
Don’t miss this session if you want to convert your emotional reaction to the Durbin amendment into excitement
about new B2B revenue!
Duplicate Checks in a Remote Deposit World
Jenny Johnson, NCP, ECCHO
We are seeing an ever-increasing number of duplicate checks due to consumer remote deposit. These duplicates
are created outside the control of the banking system resulting in unique challenges. This presentation will
examine what duplicates are, relevant rules and warranties, as well as how to detect and prevent them. We
will discuss the definition of holder in due course (HIDC) and look at how duplicates are causing HIDC claims.
We will also touch on some of the proposed changes in Reg CC.
12:10 - 1:20 PM
Lunch in Exhibit Hall
Faces of Fraud: How Criminals Attack Community Financial Institutions
Jay McLaughlin, Q2ebanking
Account takeover is one of the more prevalent forms of fraud. It is the result of an attacker taking over another
person’s account, first by gathering information about the intended victim. Experts project that fraudulent
transactions resulting from account takeover fraud will exceed $6 Billion this year. Motivated by financial gain,
this has become an extremely lucrative, criminal business. Together, financial institutions along with security
professionals, are struggling to fight the fraudsters who are behind the increasingly sophisticated methods of
attacks being used to perpetrate fraud. As fraud continues to rise, we have to begin to look at more effective
methods to combat these well-organized cyber gangs. The speaker will present a step-by-step view of the
fraudsters’ activities and behaviors, their use of malware, and how they circumvent fraud prevention controls.
1:20 - 2:00 PM
Vendor Showcase - Exhibit Hall Open
2:00 - 3:00 PM
Concurrent Sessions
Can eCash & Virtual Currency Compete with Other Electronic Payments?
Carol R. Van Cleef, Mannatt, Phelps & Phillips, LLP
How will BitCoin and other digital currencies impact electronic payments? Will crypto – currencies and
commodity- backed digital currencies supplement or supplant existing systems? in this session you will hear
from industry expert as she examines the past, present and future of digital currency, differences between
digital currency and e-cash, and legal and regulatory challenges. Understand what is happening today and
what it might mean for your future and that of your enterprise.
GACHA
Solutions Conference
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2:00 - 3:00 PM
Concurrent Sessions
(continued)
Is AAP or NCP for Me?
Jeanette Waye, AAP, GACHA; Debbie Webster, AAP, NCP, GACHA
It is becoming increasingly more important that organizations that offer payment products have knowledgeable
staff to help foster a safe and sound environment. AAP’s and NCP’s bring the level of payments knowledge
examiners, auditors and organizations look for. As an AAP or NCP, you’ll be considered a subject matter expert
and gain valuable knowledge regarding other payment systems. Increase your value within your organization
and the payments industry all while helping to ensure your organization’s compliance with regulatory regulation
and network rules.
Applying Regulator Guidance to Payment Vendor Relationships
Paul Carrubba, Adams & Reese, LLP; Tony DaSilva, AAP, Federal Reserve Bank of Atlanta
Managing outsourced relationships and demonstrating compliance has become a full time job for financial
institutions. Vendor management is a pillar to a safe and sound overall risk management programs. In this
session speakers will take attendees through some of the top payment vendor relationship expectations and
how to apply current regulatory guidance to these relationships.
3:00 - 3:10 PM
Transition Break
3:10 - 4:10 PM
Concurrent Sessions
A B2B Payments Success Story
Alan R. Dupree, AAP, Federal Reserve Bank of Atlanta; John A Fabrizio, CTP, Wells Fargo; Anita S. Patterson,
CTP, Cox Enterprises, Inc.
Is migration to electronic business-to-business (B2B) payments on your radar? These payments are rapidly
growing in the ACH Network and many tools now exist to assist with conversion. Participants in this session
hear how Cox Enterprises partnered with its bank and trading partners on a recent conversion and gain valuable
insight from their experience that other companies could adopt to eventually tell their own success stories.
Best Practices of Prepaid Card Operations
LouAnn Anstis, TSYS
More and more customers are paying for purchases with prepaid cards. Card issuers are operating in
increasingly competitive and regulated environment. It is important therefore that card issuers have operational
support that allow you to effectively service a your cardholders. Join us for a discussion on best practices for
prepaid cards and how you can positively impact your program and increase operational excellence.
Customer Security Awareness: A Key Defense against Risk and Fraud
Brook Mitchell, InfoSight, Inc.
Customer information security awareness and education is the cornerstone of the new MFA regulatory guidance.
Today, institutions are challenged to ensure compliance and provide a sound security program to defend against
fraud and identity theft. This session will teach participants how to quickly build (or enhance) their customer
security awareness program using multiple communication channels to deliver the awareness message. They
will also discover how to leverage MFA compliance efforts to drive cross-sales and new product adoption.
4:10 - 4:20 PM
Transition Break
4:20 - 5:20 PM
General Session
Putting Payments First - A Strategic Perspective on the Future of Payments
Donna Ashworth AAP, TACHA; Gai Craig, AAP, CTP, ALACHA; Peggy Gachesa, AAP, GACHA; Allen Young,
AAP, SOCACHA
In today’s technology-centric world, it is no surprise that payments as we know them today will continue to be
defined and molded as technology emerge. Financial institution executives are tasked with leveraging technology
and new ideas to create more innovative products and services while balancing the needs of the consumer
and organizational business initiatives. Our panel of experts will take you through some of the opportune areas
in payments where your organization can Bridge the Gap Between Payments and Business Performance.
5:30 - 7:00 PM
Networking Reception in Exhibit Hall
7:00 - 9:00 PM
AAP/Speaker/Board Dinner
Friday, September 19, 2014
7:15 - 8:30 AM
Hot Breakfast in Exhibit Hall - Roundtable Discussion
8:30 - 9:30 AM
Concurrent Sessions
RDC Rules and Top Risk
Kevin Olsen, AAP, NCP, MCSE, EastPay
Mobile Remote Deposit Capture is rapidly becoming “game changers” for FIs. Institutions now look at mobile
deposit as a strategic channel to extend remote deposit offerings as they look for new ways to reach their
customers. Despite this newfound importance, the market and the technology are moving rapidly, making it
extremely difficult to make the “right” decision. This session will cover the different risks, funds availability
options and rules and agreement issues that need to be addressed
New Look at Consumer Loans- Helping your customers Bridge the Gap
Sean Leavell, Georgia’s Own Credit Union
Short-term loans can provide immediate economic relief for thousands of Americans each year. Many of your
customers or members are turning to third parties to provide this service. Why? Do you have a product that
can help your members or customers bridge the gap when they have a shortage of cash flow? Come learn
how one financial institution has created an alternative product that consumers can use during this acute time
of need all while ensuring the product is affordable and profitable for the financial institution.
GACHA
Solutions Conference
www.gachasolutions.org
8:30 - 9:30 AM
Concurrent Sessions
(continued)
Charting a Course for Preventing Elder Abuse in the Payments Space
Kristin Stedman, AAP, TACHA
9:30 - 10:00 AM
Break in Exhibit Hall
10:00 - 11:00 AM
Concurrent Sessions
Account Validation
Tim Mills, The Clearing House Payments Association
In this session, the speaker will present an overview of the mission and functions of the Consumer Financial
Protection Bureau and its Office for Older Americans and will describe three CFPB initiatives aimed at
preventing, detecting and/or responding to financial abuse. Learn about Inter - agency Guidance on Privacy
Laws and Reporting Financial Abuse of Older Adults, released in September 2013 by the eight federal financial
regulators with enforcement jurisdiction over the Gramm-Leach-Bliley Act privacy provisions. The Guidance
provides clarity for financial institutions about reporting suspected financial abuse of consumers. In addition,
hear about two consumer education products, the Managing Someone Else’s Money guide for financial
caregivers and the Money Smart for Older Adults module on preventing financial exploitation.
Originators, ODFIs and RDFIs have a staked interest in insuring that accurate DDA information is used for ACH
payments. However, Originators and ODFIs rely heavily on data provided by consumers while RDFIs are limited
in their ability to determine valid requests. In some cases the account information provided is inaccurate,
incomplete or at times fraudulent. This results in negatively on network quality and risk management. Attend
this session to gain an understanding the benefits and challenges associated with current account validation
methodology and suggestions for improving the process.
What the ACH Rules REALLY Mean
Fred Laing II, AAP, NCP, CCM, UMACHA; Mary Gilmeister, AAP, NCP, WACHA
With the growing complexity of the NACHA Rules, interpretation of them becomes more of a challenge. This
session takes the plunge into some interesting application-based Rules interpretation issues. Does a Rules
violation automatically trigger liability? Are third-party funds transfer agents operating within the Rules, or in
violation of them? How does the Rules interpretation process work? What can you alter by agreement within
the Rules? This session will explore these and other timely issue to help you avoid risk and improve compliance.
Overcoming the Hurdles of BSA and Payment Compliance
Amy Kringler, CRCM, AAP, Bridgewater Bank
The number of regulations governing how companies must operate is increasing at an ever faster pace; driven
both by the demands created by new technology, and by how criminal enterprises look for vehicles to circumvent
said regulations. The role of the compliance officer is taking on greater dimension and responsibility, as the
risks to their institutions morph in a myriad of directions. Join for this informative session.
11:00 - 11:10 AM
Transition Break
11:10 AM - 12:10 PM
Concurrent Sessions
Ask for Directions or Keep Driving: How to Get Where You are Going
Joe Casali, NEACH
The payments landscape is ever-changing. Are you going to stay on course or pull over and ask for directions?
This session will review and provide examples of how operational challenges, as well as changes to the ACH
Network, require cross department collaboration to solve problems and to anticipate operational changes
resulting in modifications in your journey.
Top 10 Ways to Drive Your Business Customers Away
Kevin Moland, AAP, ProfitStars
How often do you drive away customers without even realizing it? Change is the new normal and adapting to
the ever-changing payments environment is a must in order to see continued growth. Banking is not the top
priority of business customers, that’s why it must be one of yours. Come find out ways you may be pushing
your business customers straight to your competitor.
Risk Riding on Payment Rails?
Deborah Shaw, AAP, CTP, Federal Reserve Bank of Atlanta
The Federal Reserve Bank of Atlanta is working to foster dialogue on emerging risks in retail payment systems
and enhance collaborative efforts to improve risk detection and mitigation. Creating a synergic environment
where key industry players– financial institutions, regulatory bodies and companies offering payment related
products work together is vital to keeping the Payments System safe and sound. Collaboration is the key to
reducing payments risk; come learn how you can become an active participant.
12:10 - 12:25 PM
Transition Break
12:25 - 1:25 PM
Lunch
Debit 3.0: The New “New Normal”?
Lee Wetherington, AAP, ProfitStars®, Jack Henry & Associates, Inc.®
Revenue per debit card is down, even for issuers exempt from Reg II/Durbin. Some exempt issuers are
experiencing 6-7% declines in their debit interchange rates (not to mention higher network fees). Over the past
two years, double-digit growth in debit transaction volume more than compensated for marginal compression
of interchange rates, but, with growth in debit card transaction volume expected to slow considerably in 2014,
debit card fee revenue may no longer be sufficient to subsidize the free checking that differentiates smaller
financial institutions from larger regulated issuers. How should exempt issuers respond? Business debit
programs? Issuer-sponsored or merchant-funded rewards? Prepaid cards? And what about Judge Leon’s
order against the Fed’s Reg II? Join Lee for the bottom line.
1:25 - 1:45 PM
Conference Wrap-Up and Giveaways
GACHA
Solutions Conference
www.gachasolutions.org
Registration Fees
Early Registration
(on or before August 3, 2014)
Standard Registration
(after August 3, 2014)
Pre-conference Workshop
Member
$395
$445
$100 (each)
Non-Member
$645
$695
$200 (each)
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