PRELIMINARY PROGRAM

Transcription

PRELIMINARY PROGRAM

PRELIMINARY PROGRAM
The industry feels
the need for speed.
Make sure you’re there to help create
the rules of engagement...
PRELIMINARY PROGRAM
https://payments.nacha.org
PAYMENTS pushes you to evolve your
business. You are driven to apply
game-changing ideas to compete.
PAYMENTS 2015 brings together financial services
thought leaders to set the agenda for the future
of the industry.
•Businesses—Target, AFLAC, Subway, IKEA, Belk,
Walmart—push the industry to think differently.
•Innovators—Dwolla, Google, Kash, LoopPay, MCX,
Ripple Labs—disrupt the status quo with new ways
to pay and get paid.
•Financial Institutions—Bank of America Merrill
Lynch, Capital One, FIDOR Bank, J.P. Morgan,
PNC, TD Bank, Union Bank, Wells Fargo—explore
solutions to make payments frictionless for
their customers.
PAYMENTS 2015.
Igniting the Industry.
Be Ready.
Those driving the industry’s evolution bring their
expertise to PAYMENTS in:
Register now.
•A full day of interactive demos from payments
•An entire track featuring innovators who are
disrupting and changing the payments game.
revolutionaries in the PAYMENTS 3D Innovation Hub.
•More than 75 C-Level and senior executive speakers
from end-user and enabling organizations.
Earn Continuing Education Credits at PAYMENTS 2015
By attending you can earn up
to 20 AAP continuing education
credits.
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Approved for up to 18.0 CTP/
CCM recertification credits by
the Association for Financial
Professionals.
@NACHA_PAYMENTS #PAYMENTS2015
Approved for up to 14.4 FP&A
recertification credits by the
Association for Financial
Professionals.
Igniting the Industry’s Future. Be Ready.
Dynamic general session
speakers provide insight on
the Future of Payments.
Spotlight Speaker Series
The Spotlight Speaker Series focuses on the challenges
and opportunities that will shape the payments space
of tomorrow. Topics this year are on the forefront of the
payments industry.
Opening Keynote
Examining Mobile Payments Consortia
Jason Dorsey
Chief Strategy Officer,
The Center for Generational Kinetics
Sponsored by
The Gen Y Guy®
Afternoon Keynote
Learn the results of deployment efforts to date and positions for
applying the cooperative-based model not only with primary
stakeholders, but also with other mobile payment consortia.
Legal Implications of Developing
a Future Payment System
Chuck Todd
Gain an understanding of the Fed’s plans for the future of payments
and an appreciation for the legal and regulatory framework as seen
by a panel of legal experts.
Sponsored by NBC News Political Director
and Moderator of
Meet the Press
Innovating Federal Payments:
Looking to the Future
NACHA Payments System
Awards Luncheon Speaker
Howard Putnam
Former CEO of
Southwest Airlines
Sponsored by
Come listen and interact with the Chief Disbursing Officer of the
United States as he shares his perspective on the state of the
federal government’s payment business and its efforts to create an
innovative future.
Continuous Innovation: Insights
& Unexpected Outcomes
Learn from a leading innovator and entrepreneur who draws from a
wealth of diverse experiences and observations to share insights and
lessons for approaching innovation.
Featured Spotlight Speakers
Richard Crone
CEO & Founder,
Crone Consulting LLC
David Fortney
SVP, Product Development
& Management,
The Clearing House
John Hill, AAP
Duncan Douglass
Partner,
Alston & Bird LLP
Chris Gardner
CMO & Co-Founder,
Paydiant
Jane Larimer
Paul Fiore
CEO & Founder,
CU Wallet
Will Graylin
Chief Executive Officer,
LoopPay, Inc
Andy H. Shober
Assistant Commissioner, Payment
Management, Chief Disbursing Officer,
Bureau of the Fiscal Service
EVP, ACH Network Administration,
General Counsel, NACHA—The
Electronic Payments Association
Chief Sales & Business
Development Officer, Merchant
Customer Exchange (MCX)
payments.nacha.org
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PRELIMINARY PROGRAM
Exhibitors
The PAYMENTS 2015 Conference delivers a vibrant and relevant
Exhibit Hall experience like no other. Look who will be there!*
@Pay, LLC
3 Point Alliance
Accuity
ACE Software
ACH Alert, LLC
ACHeck21
ACI Worldwide
Affirmative
Technologies, Inc.
American Payroll
Association
Argos Risk, LLC
Authentify, Inc
Axway
Bancorp Bank, The
BankersHub
Bill2Pay
BluePay Processing
Bureau of The Fiscal
Service
CDS Global
Centrix Solutions, Inc.
Chesapeake System
Solutions, Inc.
Clear2Pay
Clearing House, The
Creditron
Data Support Systems
Deluxe Corporation
Direct Insite Corp.
Dovetail
Early Warning Services,
LLC
Easy Solutions
eZforex.com
Federal Reserve Banks
FICO
FIS
Fiserv
Fundtech Corporation
G2 Web Services
Guardian Analytics
Hyperwallet
IBM Corporation
Are you interested in exhibit
or sponsorship information?
Please contact Stephanie
Clark via email at
[email protected].
iGTB
Laru Technologies
LendingTools.com
LexisNexis Risk
Management
LexisNexis Sheshunoff
linked2pay
Lockheed Martin
MicroBilt Corporation
Montran Corporation
Online Banking Solutions
(OBS)
PAYCHEX, Inc.
Payments Space Advisors
PaymentsFirst
PaySett Corporation
Priority Payment Systems
ProfitStars
Q2ebanking
Ripple Labs
SQN Banking Systems
SurePayroll
SWIFT
The Clearing House
Third Party Payments
Processors Association
(TPPPA)
Top Image Systems
topcreditcardprocessors.com
US Dataworks
VASCO Data Security
VocaLink
WACHA/PAR
WAUSAU
Western Union Bill
Payments
*As of February 12, 2015
Thank you to our PAYMENTS 2015 Sponsors*
These logos are registered trademarks or are considered other intellectual property of their respective
companies in the United States and other countries and are used under license and/or permissions.
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*As of February 12, 2015
Conference Sessions
The PAYMENTS conference, a proven, well-respected, and powerful event, provides the right tools for the
right solutions. PAYMENTS provides the latest research, industry pilot results, insights, trends and forecasts.
Experience what is happening today and what is possible in the future.
Conference sessions are positioned under these payments tracks:
Game Changers & Disruptors
Automated Clearing House
Emphasizes the growing role of emerging payment
types in the industry, including innovative ideas from
companies that focus on introducing non-traditional
payment types and even new currencies, that expand
perspectives on what consumers and businesses value,
and how they are willing to exchange that value.
Highlights core topics related to the ACH Network
and the NACHA Operating Rules and their users
including existing and emerging applications.
Sessions focus on innovation, operational
issues, rules, compliance and enforcement,
risk management, fraud prevention, security,
authentication and authorization, and best practices.
Sponsored by Sponsored by Card Payments
Explores developments in card-based solutions for
payments. Sessions focus on the business paradigm
within the card industry from both business process
and payment operations viewpoints.
Digital/Mobile
Addresses innovation across the mobile landscape
for the payments industry. Sessions cover mobile
payments approaches, emerging technological
innovations, market analysis, and revenue potential.
Sponsored by End-User Experience
Offers knowledge and analysis of business customer
and individual consumer preferences and behavior—
in an effort to educate the industry within the context
of a range of end-users. Topics include delivering
expected customer/consumer payment choices,
deriving data from payments, and understanding
current consumer advocacy priorities.
Risk & Security
Examines evolving risks surrounding payment
mechanisms. Sessions focus on current trends in
fraud activity, fraud prevention, and related laws,
rules and regulations.
Sponsored by Strategy
Focuses on the actions and applications shaping
today’s payments systems. Sessions are interactive
and will engage participants in high-level, “blue
sky” discussions regarding future developments and
advances in payments.
Sponsored by Sponsored by payments.nacha.org
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CONFERENCE SESSIONS
Game Changers &
Disruptors Track
Monday, April 20
Branded Currency:
Using Digital Gift Cards as a GameChanging Marketing Tool
Fundamental Level
10:00–11:00 am
Today’s shopper is rarely without a mobile device, making
it possible for consumers to browse, research or buy
products any time, any place. In this new omni-channel
world, where the lines between retail channels are blurred,
digital gift cards are no longer just gift cards, but rather
a form of retailer currency. Learn about the concept of
branded currency and how it can be used to increase online,
mobile and in-store sales, acquire new customers and drive
loyalty. Attendees should come prepared to share a mobile
marketing promotion they’ve seen, and describe how it
leverages branded currency.
Ben Kaplan
President & CEO, CashStar, Inc.
Steve Kane
Group President, Gift Sales & Business Development
From Disrupted to Disruptor: Leading
Change in a Challenging Environment
Intermediate Level
11:15 am–12:15 pm
Innovation can be difficult to achieve in today’s banking
climate, having been overshadowed by heightened
investments in “table stakes” technology to achieve
regulatory compliance and to maintain the necessary
risk profile. Challenging, yes... but not impossible. Learn
breakthrough secrets for understanding unmet customer
needs, how to create an innovation framework that works,
and how by being armed with the right strategy and
technology, financial institutions can become “disruptors.”
Rene Lacerte
Founder & CEO, Bill.com
Brian Hamilton
Head, National Digital Platforms, Small Business Banking,
Capital One
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Payments: What the Future Has in Store
Intermediate Level
11:15 am–12:15 pm
New technologies, shifting market conditions, evolving
customer preferences, and the emergence of ISO 20022
standards are driving a next generation of payments
systems. Hear experts examine the international payments
landscape, the steps that have been taken, the strategies
being explored, and the future requirements that are
inevitable in response to the rapidly changing environment.
Doug Kreviazuk
VP, Next Generation Clearing & Settlement,
Canadian Payments Association
Jerry Norton
Head of Strategy, UK Financial Services & Business Consulting,
CGI Group, Inc.
Sean Rodriguez
SVP, Industry Relations, Federal Reserve Bank of Chicago
The New Reality for Global
Bank-to-Bank Transfers
Intermediate Level
1:30–2:30 pm
Today’s global bank networks are built on traditional
payment infrastructures that require reserves, high fees, and
multiple days to settle transactions cross border. An Internet
protocol can enable financial institutions to securely transfer
funds in any currency in real-time. Financial institutions,
money transmitters and clearing houses can use this
as a settlement technology to facilitate straight through
processing and increase access to liquidity.
Participants in this session hear early adopters explain how
they are using Ripple and how it has already impacted their
businesses. Take part in a series of real-time multi-currency
transfers between financial institutions in different countries
live on stage using physical terminals, screen projection, and
audience input. Learn best practices for how to evaluate and
then deploy other new payment technologies.
Moderator: Chris Larsen
CEO & Co-Founder, Ripple Labs
Matthias Kroener
Chief Executive Officer, FIDOR Bank AG
Jonathan Lear
President, North America, Earthport North America, Inc.
Game Changers & Disruptors Track
Monday, April 20
Enabling Digital Payments
When Cash is King
Intermediate Level
4:30–5:30 pm
Despite the ever-increasing launch of new digital payment
technologies, cash remains king. The U.S. has twice as
much cash in circulation than any other Western economy.
Much of this is driven by the overlap of the underbanked
and cash-preferred customers. The disconnect lies in the
same group of consumers, which is comprised of individuals
who are technology savvy and tend to rely heavily on
smartphones. How then do we bridge this seemingly new
digital divide for finance? Speakers in this session lead
interactive demos of cash in/cash out solutions. Participants
learn how cash customers can drive continued innovation
and raise the volume of overall transactions in the digital
economy. Understand the role and best practices for cash
in/cash out networks, and which customer segments are
most likely to be early adopters.
Moderator: Arjan Schütte
Co-Founder & Managing Partner, Core Innovation Capital
Danny Shader
Founder & CEO, PayNearMe, Inc.
Hamed Shahbazi
Chairman & CEO, TIO Networks Corp.
Tuesday, April 21
Don’t Feed After Midnight: Are Payments
Systems Like Gremlins?
Advanced Level
9:15–10:15 am
With the increasing number of payments systems and
complexity of interactions, is it possible to consolidate
or simplify these structures? Moreover, how do these
systems differ from each other and from traditional
payments systems? A better understanding of what would
be necessary to consolidate them or whether they should
coexist is fruit for a group discussion and interactive
dialogue that involves case studies and statistics.
Power Play: What Does the Political
Landscape Mean for Payments?
Advanced Level
11:15 am–12:15 pm
The November mid-term election saw the Republican
party gain control of Congress, and legislative priorities are
shifting. Government relations staff from several prominent
banking trade groups explore the potential implications of
a Republican power play on high-risk origination, repealing
elements of Dodd-Frank and how federal regulatory priorities
may be effected by the results of November’s mid-term
elections. Hear about policy implications for financial
institutions and learn how to prepare for policy changes.
Moderator: William D. Sullivan
Senior Director & Group Manager, Government & Industry
Relations, NACHA—The Electronic Payments Association
Cary Whaley, III, AAP
VP, Payments & Technology Policy, Independent Community
Bankers of America
Near Real-Time, Anytime Payments
Group Discussion
Advanced Level
11:15 am–12:15 pm
This session features a facilitated group discussion about
the drive for near real-time business payments. Factors
considered are uses/demand for real-time payments,
actual international deployments, risk/regulatory mitigants,
benefits for end-users and participants, possible key
industry players’ reluctance, provider roles, provider
differentiation opportunities, and expected costs/benefits.
Attendees collaborate on a specific aspect and present
their recommendations to the whole group. Emphasis is
on creatively resolving issues—not industry hurdles—to
identify ways to leapfrog current processes and approaches.
Moderator: Nancy Atkinson, CCM
Senior Analyst, Aite Group
Moderator: Blake McDaniel
Senior Project Coordinator, Federal Reserve Bank of Atlanta
payments.nacha.org
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CONFERENCE SESSIONS
Game Changers & Disruptors Track
Tuesday, April 21
Making Sense of the Speed of Change in
Payments Today
Digital Payments
Intermediate Level
2:30–3:30 pm
Financial institutions have traditionally been at the center
of payments across the globe, but the amount and speed
of change during the last decade, and even the last year,
have left many financial institutions and payments providers
reeling as they try to contend with onrushing technology
that has changed the landscape. As the pace of change
continues to accelerate and our increasingly connected
world continues to evolve, the ecosystem and players
within will need to continue to adapt and develop faster
than ever. Payment instruments and innovations such as
wallets, mobile applications, and digital currencies, are
all disrupting the traditional payments ecosystem, further
complicating the value chain are new and non-traditional
entrants. This presentation strives to divine the bottom-line
impact of the volume and pace of payments change we’re
all experiencing.
Advanced Level
9:45–10:45 am
The “Internet of things” is an alluring phrase in the world
of watches, TVs and fitness devices; but for payments
professionals, issues of compliance, consumer demand
and monetization deliver equal levels of opportunity
and complexity. Consumers love their smartphones, but
have been slow to embrace digital payments and other
technologies. An Aquity Group study reveals the growing
adoption of the Internet of Things (IofT). Consumers will
increasingly consume smart technologies, wearables and
other products, and incorporate this consumption into their
everyday lives. The road signs are clear; payment solutions
need to lead the charge in mobile and digital solutions for
the IofT consumer and their increased consumption of smart
products, while steering to compliance and profitability. In
this session, attendees get the answers they need to create
their roadmap for payments solutions addressing consumer
demands and digital access points.
How far-reaching is the change? How permanent is the
change? How should financial institutions and payments
providers respond?
Alexis Blackstead
VP, Product Management, Western Union Payments
Nathan Hilt
Product Director, PwC (PricewaterhouseCoopers LLP)
Financial Institutions: In a Prime Position
to Create a New Digital Ecosystem
Fighting Fire with Fire:
How One Bank Decided to Stay Relevant
with Real-Time Transfers
Intermediate Level
11:00 am–12:00 pm
The evolution of online, mobile and social commerce is
transforming how consumers engage with the companies
they choose to do business with. This new digital commerce
world creates opportunities for companies to forge deeper
relationships with customers, but it also creates new
challenges. In the midst of all this change, one constant has
remained. Financial institutions are still in the middle of
every type of commerce transaction. This fact puts financial
institutions in a unique position of strength to be the
engines that power the new digital environment. Learn why
financial institutions are primed to go from being static and
transactional to being an open and engaging ecosystem,
and what it means to you.
Advanced Level
4:30–5:30 pm
Recent innovations from Bitcoin and PayPal are disrupting
traditional banking services. Combined with security
breaches, the EMV liability shift, and mobile payments
regulation, the weaknesses and limitations of existing
payment architectures have never been more visible or
frustrating. Speakers in this session discuss how their
partnership combats the uncertainty caused by these
shifting forces. In this interactive panel, attendees learn
the considerations and business case behind this alliance
through a behind-the-scenes look at the challenges and
opportunities of real-time transfers. A live demonstration of
FiSync, using concrete examples, showcases the transition
from real-time theory to real-time reality.
Ben Milne
Co-Founder & CEO, Dwolla
Dave Kucera
Director, Business Innovation, BBVA Compass
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Wednesday, April 22
Preston W Thornton, III, MBA
Senior Director, Product Management, Inlet, LLC
Card Payments Track
Monday, April 20
The Real Cost of Card Decisioning
Strategies
Intermediate Level
10:00–11:00 am
The broad adoption of EMV is set to change card decisioning
strategies at institutions across the country. To effectively
assess POS and CNP transactions, different stakeholders will
need to understand how changes in the payment ecosystem
can affect their particular decisioning strategies.
Hear ways in which new payment technologies and
the evolution of card fraud will render previous models
ineffective. Examine the costs associated with declines,
including top-of-wallet impact and customer service
expenditures. Learn steps to improve the decisioning
process for different stakeholders to limit unnecessary costs,
minimize fraud, and prevent customer attrition.
Alphonse Pascual, CFE
Practice Leader, Fraud & Security, Javelin Strategy & Research
The EMV Journey Today—Perspectives
from Risk Managers
Intermediate Level
11:15 am–12:15 pm
Liability shift. Executive order. Card compromise. These
are just a few of the drivers for EMV migration in the U.S.
market today. But this migration means more than simply
replacing cards and upgrading systems. Many have taken this
opportunity to evaluate, design, and begin implementation
of broader fraud management and card usage strategies.
This panel discussion takes the current pulse of senior risk
managers from the card issuing industry: How are strategies
evolving with respect to EMV and CNP? How have novel or
niche technology solutions impacted your trajectory? Where
is this movement going beyond the chip?
understanding card payments becomes difficult and
cumbersome. Participants in this session gain an outline
of a revenue control framework to help understand and
implement a strategy to reduce the cost of credit/debit card
payments, and a framework to comprehend and report the
impact of interchange changes to their management.
Anand Goel
Chief Executive Officer, Optimized Payments Consulting, Inc.
Tokenization & Consumer Authentication
Evolution in the Payments Ecosystem
Advanced Level
1:30–2:30 pm
Financial institutions continue to explore the idea of
tokenization. Tokenization substitutes a limited-use random
number, or digital token, for the customer’s account number
during the transaction. Assessing the cost benefit analysis is
an ongoing challenge. Participants in this session hear about
several use cases and leave with an understanding of the value
proposition within the financial institution payments stream.
Michael A. Keresman III
Chief Executive Officer, CardinalCommerce Corporation
Stephen Mott
Principal, BetterBuyDesign
Regulatory Impact on Prepaid: What’s
Hot & What’s Coming
Advanced Level
4:30–5:30 pm
Regulators and policymakers continue to focus on
the prepaid market. While protecting consumers and
setting expectations are important, a sensitivity to and
understanding of the marketplace are also key to the
efficient delivery of services and accessibility. Participants
in this session gain insight from experts on the most
impactful pieces of rulemaking and take away an outline of
expectations of what may be coming next for prepaid, as
well as a list of regulatory activity at the state and federal
levels that affected prepaid in recent months.
David Edward Durovy
Manager, PwC (PricewaterhouseCoopers LLP)
Moderator: Brian Tate
Government Relations Director, NBPCA
Understanding & Managing Interchange
Brad Fauss
EVP & General Counsel, NBPCA
Intermediate Level
1:30–2:30 pm
Visa, MasterCard and Discover interchange rates are
complex, confusing and constantly changing. Combined
with the recent debit card regulations and network actions,
Melissa G.R. Goldstein
Attorney, Schulte Roth & Zabel LLP
payments.nacha.org
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CONFERENCE SESSIONS
Card Payments Track
Tuesday, April 21
Diverse Needs of Small Business Owners
Intermediate Level
9:15–10:15 am
No two small businesses are alike; all have unique needs.
Early stage businesses may require advice, and small
businesses may require greater funding. Current short-term
working capital options are often not synchronized with
the needs of today’s small business owners. To help this
need, card products can now support a greater amount of
B2B spending. Learn salient ways to address needs of both
the business and their customers using traditional credit
products to provide greater sources of funding.
Manish Gupta
EVP & General Manager of OPEN Products, American Express
The Evolving Metrics of
Commercial Cards
Advanced Level
11:15 am–12:15 pm
With data from issuers representing 84 percent of commercial
card volume, GCI’s newest benchmarking study offers a new
perspective on the commercial card industry. This timely
data help issuers understand business success from multiple
angles. Join this session to learn about new dynamics and
trends in treasury’s most important growth engine.
Ryan Cope
Expert, McKinsey & Company
Prepaid Evolution: Moving Upstream
Intermediate Level
2:30–3:30 pm
A new consumer omnibus study by the world’s fourth
largest research firm highlights which consumers are using
prepaid, for what purposes, and their satisfaction levels.
This new research defines consumer usage of prepaid cards
and helps to expand the customer base of the ever growing
prepaid market, helping financial institutions of all sizes
better realize the growth and profitability possible in the
market. Learn about the growth possibilities for the prepaid
market and how to expand the traditional marketplace and
explore unique product offerings that attract cardholders to
prepaid.
Jerry Uffner
President & CEO,FirstView, LLC.
Tim Spenny
Vice President, GFK
Doug Bower
Executive Director, NBPCA
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The Regulatory Environment for Mobile
Payments in Canada
Intermediate Level
4:30–5:30 pm
There are a significant amount of new developments in the
mobile payments space. Examples include the state of the
new proposed Canadian consumer code, changes to the
Credit and Debit Card Industry Code of Conduct to address
mobile payments, and the effect Canada’s new anti-spam
legislation is having in the mobile payments context. Come
explore the consumer regulatory environment for mobile
payments in Canada and the unique perspective of the
Canadian regulatory landscape.
Jacqueline Dawn Shinfield
Partner, Blake, Cassels & Graydon LLP
Wednesday, April 22
Payment Card Data Breaches—How Does
the Consumer Respond?
Advanced Level
9:45–10:45 am
Card data breaches unfortunately continue to occur and
dominate the headlines. It is crucial to examine how
consumers respond when a data breach occurs. Lightspeed
Research has been able to track how consumers change their
behavior in the wake of card data breaches. This session
illuminates how consumers have reacted and responded to
specific card data breaches, and provides insight into actions
that card issuers can take to help mitigate consumer fears.
Joel Stanton
Senior Research Manager, Lightspeed Research, Inc.
Reducing the Cardholder Data Footprint
Intermediate Level
11:00 am–12:00 pm
Building robust security into business processes, systems
and technologies alone is not enough to protect sensitive
payment data. Minimizing the exposure of cardholder data by
reducing the need or ability to store or transmit it is critical in
making merchants and other entities less attractive targets for
criminals and securing the future of payments. Participants in
this session learn about the state of payment security, receive
updates on the latest PCI standards and solutions, and take
away knowledge on how organizations can leverage these
resources as part of a layered approach to minimize risk to
card data and reduce PCI DSS scope.
Stephen Orfei
General Manager, PCI Security Standards Council, LLC
Troy Leach
CTO, PCI Security Standards Council, LLC
Digital/Mobile Track
Monday, April 20
Small Biz Payroll: New Opportunities
Online and Mobile
Intermediate Level
10:00–11:00 am
In days past, ACH payroll was available mostly to large
corporates with the technical know-how and large ERP
applications in house. Small- and mid-sized businesses
were left to work with payroll and accounting companies
and frequently resisted due to associated costs. Online
banking delivered ACH to clients, but not true payroll
processing like taxes and filings. Small- and mid-sized
businesses represent a huge growth opportunity and these
clients are increasingly demanding capabilities like full
service online and mobile payroll through their trusted
institution. Learn how the payroll landscape is changing and
what it means for bank-branded payroll solutions. Hear how
a financial institution and payroll provider are leveraging the
mobile channel to deliver cost-effective, full-service payroll
capabilities for small- and mid-sized business clients, and
gain insights and lessons for your customer retention and
acquisition strategies.
Moderator: Heidi Liebenguth
Consulting Partner, Crone Consulting LLC
Marty Boyer
Director of Marketing, Tom & Chee Restaurant
Paul Parrish
EVP & CFO, One Nevada Credit Union
James Ward
VP, Credit, Belk Department Stores
Online Billing & Payment & GenY: Case
Study in Integrating Social Media
Rick Gunther
SVP, Business Development & Sales, SurePayroll
Intermediate Level
11:15 am–12:15 pm
GenY consumers have different expectations, practices and
preferences in how they view and pay bills. This generation,
larger than any other, expects options to interact with service
providers via social media channels, yet only 36 percent of
the top 60 billers across five industries utilize social media
platforms such as Facebook or Twitter to promote e-bill.
Understand the different billing and payment needs of
millennials and findings from the industry’s first research
study on e-bill promotion through social media. Discover
how some billers are taking advantage of this untapped digital
touch point. Our example will show how we formulated
an award-winning social media strategy, including key
messaging tenets and successful tactics to engage customers
with social media and market e-bills. Learn which industry
is leading in social media e-bill promotion and the best
practices to market it through social media sites.
Thomas Lopes
SVP, ACH Product Management, Citibank N.A.
Kristin Reese
Manager, Digital Communication, Dominion Virginia Power
Navigating the Mobile Payments
Crossroads
Fundamental Level
10:00–11:00 am
The merchant and banking industries face a pivotal period
in payments. Cards, mobile, the cloud, big data, new
entrants and competition from non-financial institutionsis their motivation to redefine the business model between
retailers and financial institutions and work together? The
EMV mandate looms on the horizon, and many of the
largest retailers in the U.S. have organized their own mobile
payments network, Merchant Customer Exchange (MCX),
to reduce costs and protect their data. Add in regulatory
pressures and security challenges and there is no better
time to rethink your payments innovation strategy. Hear
from retailer and banking leaders who share the pitfalls
and payoffs of various approaches, the rules of engagement
with mobile payments, and perspectives on how to map a
winning way forward.
Steve Mountz
Marketing Consultant, Fiserv
Leveraging the Potential of Corporate
Tablet Banking
Intermediate Level
1:30–2:30 pm
Mobile banking for corporate treasurers is gaining
momentum, but most of the offerings in the market are
smartphone-based. Explore the potential of tablet banking,
the must-have functionality for success, and how financial
institutions can leverage this channel to offer a superior
customer experience. Hear how tablet initiatives are
being applied to the online channel, from both first-hand
examples from financial institutions as well as from financial
institutions’ and corporate treasurers’ research. Gain critical
insights to inform your mobile decisioning and planning.
Chris Fritz, CCM
Executive Director, J.P. Morgan
Christine Barry
Research Director, Aite Group
payments.nacha.org
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CONFERENCE SESSIONS
Monday, April 20
Mobile Banking: To Infinity & Beyond!
Intermediate Level
1:30–2:30 pm
With features such as video conferencing, gaming, voice
recognition, geo-location, and social networking, the
potential for mobile banking may be infinite. How retail
experiences and desires will play out for corporate mobile
banking users remains to be seen, though history indicates
that personal conveniences eventually become workplace
necessities. Participants in this session hear what analysts
are predicting for mobile banking adoption for both retail
and corporate environments, and learn how two financial
institutions have responded to customers’ demands.
Speakers share findings from candid customer interviews and
testimonials regarding their mobile preferences, and engage
the audience via informal Twitter polls for thoughts on what
the future holds, while making predictions of their own.
Joyce O’Connor
Vice President, State Street Corporation
Bobby Carney
Director, Citibank N.A.
Mobile Needs for Small Business
Owners Today
Intermediate Level
4:30–5:30 pm
Small business owners are putting more of their core
B2B expenses or capital investments on their cards,
to the tune of millions of dollars per year. Greater B2B
spending with cards means owners need help reconciling
expenses. As 80 percent of small businesses say they rely
on their smartphones to run their businesses, see and
hear how they can leverage their devices to snap photos
of receipts and seamlessly sync business card expenses
with QuickBooks, alleviating end-of-month expense receipt
pileups. By understanding how small business owners and
employees interact with their mobile devices, innovative
technology solutions can fix customer pain points and help
them to save time and money, and focus more on their jobs
and customers.
Manish Gupta
EVP & General Manager of OPEN Products, American Express
12
Wild, Wild West of Emerging Payments?
Intermediate Level
4:30–5:30 pm
The landscape of consumer payment methods has evolved
substantially over the past decade. It now includes a
number of alternative and emerging payment methods, such
as virtual prepaid cards, mobile devices linked to accounts,
and staged digital wallets. The legal and regulatory
framework applicable to these new payment types can be
confusing and uncertain. Participants in this session gain
an understanding of the operational differences between
these emerging and alternative payment methods and more
traditional consumer payment methods, such as ACH, debit
card and credit card payments. Participate in an interactive
discussion of how existing federal and state laws apply to
these payment types, and where gaps in regulation exist.
Duncan Douglass
Partner, Alston & Bird LLP
How Financial Institutions Can Play
Offense in a World Where Payments &
Shopping are Converging
Intermediate Level
4:30–5:30 pm
The mobile shopping revolution will continue and
significantly impact consumers’ product selection, purchase,
and payment processes, creating both opportunities and risk
for the traditional players. Retailers are actively leveraging the
shopping/payment data and the mobile channel to add value
to consumers and promote consumer engagement, gaining
significant influence over the real-time purchase decisions
and payments selection and posing real disintermediation
risk to traditional consumer payment providers. Learn
strategies and best practices for engaging with consumers
who use their smartphone for mobile shopping and
payments. Explore an innovation roadmap for e-commerce
participants for engaging consumers across the digital
shopping lifecycle, and critical success factors for financial
services institutions to protect against disintermediation.
Live text polling and proprietary survey results will be used
to engage the audience.
Robert B. Hedges
Managing Director, AlixPartners
Tuesday, April 21
Tokenization: The Battle for Control of
the Next Generation of Payments
Next Gen Payment Standards
on the Horizon
Advanced Level
8:00–9:00 am
Merchant processors and consortia are vying for the
standards to get account credentials out of the clear
whether chip-based, cloud-generated or any other mode.
But is tokenization the silver bullet? Some believe there are
better approaches than what is being offered today that
are more secure, more efficient and more equitable to all
participants. Gain unparalleled insights into what schemes
address which problems and why, which options are most
likely to reach critical mass and apply to ACH, and how to
think about supporting a wide variety of token types and
systems, including token exchanges.
Intermediate Level
9:15–10:15 am
Get a sneak peek at new payment standards being developed
that will impact the way we pay in the very near future. Learn
about important new standards being designed to improve the
safety and security of card and mobile transactions in both
the physical and online commerce environments. Interact
with standards experts to learn about the open consensus
process used. Understand the gaps and pain points associated
with card and mobile transactions that led to these standards
efforts. This session uses audience polling to identify how
familiar the audience is with e-commerce payment protocols,
mobile payments and tokenization standards, and what they
think are needed to make digital/mobile and web-based
payments easier to use, more secure, and accessible.
Moderator: Stephen Mott
Principal, BetterBuyDesign
Moderator: Claudia S. Swendseid
Senior Vice President, Federal Reserve Bank of Minneapolis
The Mobile Hero Brought along Its
Villains. How Can You Defeat Them?
Intermediate Level
9:15–10:15 am
Spiking consumer demand for mobile financial services
promises to make those launching innovative capabilities
a hero, but the complexity can bring out new villains. The
State of Louisiana offers a downloadable app and optimized
mobile browser options for consumers to pay their taxes.
Satisfying the quickly evolving demand for mobile bill pay
also came with the need to address new challenges around
security, consumer satisfaction and system integration.
Because a cohesive consumer experience is just the
beginning, speakers in this session offer insights on how to
ensure marketing, operations and fraud prevention work
seamlessly with existing systems. Learn how to quickly
bring new mobile capabilities to market while maximizing
consumer mobile usage, and avoiding potential technology,
organizational and consumer experience villains. A lightning
round engages participants to ask and answer the most
pressing questions to succeed in the mobile world.
Manu Sporny
Chairperson, W3C Payment Interest Group
Alan Thiemann
General Counsel, Conexxus, Inc.
Small Business Mobile Apps Help Your
Bottom Line & Theirs
Lisa Gawlak
Senior Principal, Product Management, ACI Worldwide
Intermediate Level
2:30–3:30 pm
It’s twofold: Monetize your mobile payment applications
and offer new opportunities to your small business
customers. Learn how one community bank implemented
a mobile payment platform to offer its business customers
tools to create invoices, accept payments and process
invoices directly through a mobile phone or tablet device—
redefining how the bank manages payments and providing
it with a necessary niche to stay competitive among small
business customers. Using a case study, learn how one
customer streamlined and automated its entire supply chain
process using this powerful mobile solution. Understand
how to help small businesses streamline their manual
processes and hear first-hand how mobile solutions are
expanding beyond traditional mobile banking and remote
deposit capture to generate additional fee income.
Redmond Saunier
IT Manager, Louisiana Department of Revenue
Robert A. Steen
Chief Executive Officer, Bridge Community Bank
Debbie Smart, CTP, NCP
SVP, Product Management, Aptys Solutions
payments.nacha.org
13
CONFERENCE SESSIONS
Tuesday, April 21
Driving Consumer Value & Adoption of
Mobile Payments
Intermediate Level
2:30–3:30 pm
What are the forward looking trends in payments from
the consumer point of view? What are their preferences
for payment providers, mobile payment usage, and how
consumers can be incented to use mobile payments?
Participants in this session gain insights from the findings
of the 2014 Accenture North America Consumer Payments
Survey, an online survey of 4,000 consumers in North
America. Learn about the impact of these trends on
business strategies and regulatory/compliance issues facing
companies today.
Stephen K. Kenneally, AAP
VP, Center for Regulatory Compliance,
American Bankers Association
Matthew R. Friend
Partner, Financial Services, Accenture
Ensuring a Seamless & Secure Digital
Banking Experience
Intermediate Level
4:30–5:30 pm
Financial institutions strive to provide the optimal digital
banking experience to their customers. Yet while doing
so, they face a myriad of challenges, including managing
operational costs, negotiating a host of regulatory
requirements and addressing technological and security
challenges. Attendees learn how one top-five FI is
strengthening the safety and soundness of its mobile app
and its mobile browser by leveraging Mobile Network
Operator-level information to seamlessly authenticate
its users, and address the regulatory, technological and
customer service challenges.
Michael Toth
VP, Mobile Solutions, Early Warning Services, LLC
14
Wednesday, April 22
Mobile Banking & Payment Services:
Innovation at Regional Financial
Institutions
Intermediate Level
11:00 am–12:00 pm
Since 2008, the Federal Reserve Bank of Boston and NEACH
have surveyed New England financial institutions about
the mobile banking and payments services they offer
within the local market. In 2014, four other Federal Reserve
Districts participated in the survey—making it possible for
regional comparisons to be made. Session presenters will
discuss, compare, and contrast the findings from financial
institutions and credit unions within and across regions,
and highlight material changes from the New England
survey experience. Understand the types of mobile banking
and payment services offered by financial institutions
to consumers and businesses across the U.S. and the
platforms supporting such services. Discover what barriers,
challenges, and advantages financial institutions are
experiencing in the mobile channel, and how the findings
differ between financial institutions and credit unions and
among the five regions surveyed.
Breffni McGuire, MBA
Principle, BMcG Consulting
Marianne Crowe
VP, Payments Strategies, Federal Reserve Bank of Boston
End-User Experience Track
Monday, April 20
Online Banking Exceptions: A Growing
Industry Issue
Intermediate Level
10:00–11:00 am
It’s hard to believe, but online banking has now entered its
fourth decade of existence. Now that electronic payment
channels have surpassed paper in popularity with
consumers, a concerning trend has emerged in this mature
space—an increase in electronic exception items. This
session offers an in-depth look at the growth in exceptions,
identifying the root causes, the impact these exceptions are
having on the bill payment industry, and best practices for
eliminating these recurring headaches.
Chris Chazin
VP, Global Commercial Cards B2B Product, Citibank N.A.
Adam Hoffman
Director, Receivables Product Management, Citibank N.A.
Small Ticket Payment Acceptance & POS
Cash Substitution
Intermediate Level
11:15 am–12:15 pm
The Federal Reserve has analyzed more than 5 billion
daily transactional records based on proprietary merchant
data collected from several national merchants. It has
revealed both expected and unexpected trends in small
ticket payments acceptance and cash substitution at the
Point of Sale (POS). Participants in this session hear what
payments patterns were observed, and how these trends
inform merchants about what is happening on the payments
landscape today. Understand POS cash substitution trends,
especially for small ticket items, and gain insight into what
this portends for the future.
Consumer Perspectives on Payment
Speed & Security
Intermediate Level
1:30–2:30 pm
How do consumer attitudes toward payment speed and
security affect their choices at checkout? Hear two retailers
and an economist describe recent consumer research
that can inform choices regarding payment methods for
consumers, merchants and financial institutions. Learn what
retailers have determined from in-store experiments, how
retailers look at fraud prevention and speed at checkout,
and what consumers say is most important about payment
speed and security.
Martin Weiderstrand
Senior Advisor Payments, IKEA Group, IKEA
Reed Douglas Luhtanen
Senior Director, Payments Strategy, Walmart Stores, Inc.
Dr. Joanna Stavins
Senior Economist & Policy Advisor,
Federal Reserve Bank of Boston
Tuesday, April 21
GPS for Payments: Innovative Global
Lessons for Corporate Practitioners
Rue A. Jenkins
AVP, Treasury, Costco Wholesale
Intermediate Level
8:00–9:00 am
The effective pursuit and management of a global payments
strategy are critical to companies involved in the complex
world of global payments. Participants in this session benefit
as speakers share their best practices, approaches and
lessons learned for deploying payments around the globe.
Understand how planning for long-term vision of integration
and compatibility of core systems and multiple payment
formats, including ISO 20022, FileAct, XML, and Oracle R12
reflect an evolving stance towards a strategic and unified
approach to streamlining payments. Learn how the impact
of time-criticality, cost, remittance, and messaging interplay
with deployment and investment decisions, and how results
can be measured and analyzed.
Gail S. Ball, AAP, CTP
Head, Payments Studies Group,
Federal Reserve Bank of Richmond
Moderator: Steven E. Bernstein
Executive Director,
ACH/Global ACH Marketing/Product, J.P. Morgan
Jeff Clennon
Director, Cash Management, Discover Financial Services, Inc.
John Christensen
Treasurer, Braintree
payments.nacha.org
15
CONFERENCE SESSIONS
Tuesday, April 21
Voice Biometrics in Payments: When,
Where, How?
Intermediate Level
8:00–9:00 am
Let’s discuss successful deployments of voice biometrics
in payments. Looking at three specific use cases, speakers
explore the use of voice authentication in the call center for
prepaid card holders and how cost savings were achieved
while improving the customer experience. In an interactive
session with video examples, they discuss the feedback
from initial usability studies that helped refine the consumer
experience. The session also includes a review of the rapid
adoption of voice biometrics in mobile payments, and how
things have evolved since voice authentication was first
deployed by a top global bank in 2012 for app log in, ACH
payments and wire transfers.
Moderator: Julia Webb
VP, Sales & Marketing, VoiceVault, Inc
Case Study: Modernizing Payments in
Municipal Government
Intermediate Level
9:15–10:15 am
How can a municipal government keep up with an everchanging payments landscape? At the New York City
Department of Finance, a group of forward-thinking,
innovative professionals have undertaken this enormous
task. With a unique and varied customer base including large
corporations, small local businesses, traditional consumers
such as city residents and visitors, and even other local
government agencies, there has been no single solution
that covers every constituent’s needs. Session participants
see how these challenges required the Department to
devise a set of solutions that could meet the needs of over
35 agencies while moving the needle from heavily paperbased transactions towards the adoption of more electronic
payment methods and channels. Learn how centralizing
the creation of citywide policies, standards and controls are
bringing the way people pay in NYC into the 21st century.
David P. Kurrasch
President, Global Payments Advisors, Inc.
Laura Lee Orcutt, AAP
SVP, Group Product Manager, Wells Fargo
Sarah Knapp Smith
Assistant Commissioner, New York City Department of Finance
16
Go from Billing & Payment to Customer
Engagement
Intermediate Level
11:15 am–12:15 pm
Eyeballs quickly move from texting, to the laptop, to the TV.
Your customers are increasingly distracted and it’s harder
to engage and lead them to the optimal relationship with
you. Whether you want to motivate customers to pay on
time, sign up for new services, or promote your work in
the community, discover groundbreaking approaches to
get the results you want. Hear how new video and audio
methods make your message personal and interactive. Join
a collaborative discussion to learn from your peers about
new ways to change customer behavior. Participants in this
session gather into teams and are presented with a new
challenge, then compete to come up with the best solution.
Learn how to engage increasingly distracted customers,
align billing and payment communications with the major
strategic opportunities of your organization, and leverage
new interactive and targeted communication methods.
Phil Spradlin
Product Marketing Manager, ACI Worldwide
April Bingham
Customer Service Manager, Billing, DC Water
Rethinking B2C Payments: Analyzing a
Next Generation Idea
Intermediate Level
11:15 am–12:15 pm
In 2014, a new way for businesses to pay consumers was
launched. This new payment method utilizes the unique
identities inherent in email addresses or mobile phone
numbers to create faster B2C payments without sharing
consumer bank account information. Speakers in this
session analyze this new way to pay, the U.S. payment
trends that pointed to potential success, and the business
and consumer feedback that indicated both sides of
the transaction were receptive to change. Hear how the
wholesale and retail bank partnered to deliver a solution
that benefits both corporates and consumers. An early
adopter of this approach discusses changes it needed to
make to its treasury processes, payment platforms and
customer service protocols. Customer feedback and an
assessment of the long-term benefits to payment processes
and overall brand are shared.
Robert W. Johnston
Senior Vice President, Bank of America Merrill Lynch
Tuesday, April 21
Next Generation Payroll: Why Electronic
Payments Must Focus on End User Needs
Intermediate Level
2:30–3:30 pm
Electronic payments have long helped companies improve
payroll efficiency and reduce costs. However, many times the
end-user is not the first consideration when designing these
applications. Given the current economic climate, companies
must become more agile while consistently delivering cuttingedge capabilities. By focusing on the people who use the
products, companies can more easily achieve high adoption
rates and increase employee satisfaction. Real life examples
and best practices in end-user experience will be used to
expand on the costs and benefits this approach creates. Gain
insights on the impact of consumerization on the ACH and
paycard space, and the opportunities this trend presents.
Learn how employee-centric systems and self-service options
increase end-user satisfaction and adoption. View real
examples and best practices on how your organization can
use electronic payment innovations to set yourself apart from
the competition.
Wednesday, April 22
Thinking Outside the (Lock) Box: New
Treasury Management Offerings Enabled
by Integrated Receivables
Intermediate Level
9:45–10:45 am
In an environment of increased competition, new payment
channels and declining check volumes, financial institutions
are challenged to maintain, much less grow, their revenue
and client base for traditional lockbox. Participants in this
session hear how one institution was able to see outside
of the box and successfully implement a next generation
integrated receivables platform to expand its treasury
management offering and gain a significant competitive
edge. Learn how the institution implemented an integrated
receivables strategy with value-added client features such
as web-based reporting and exception handling, as well as
solutions geared to specific verticals including healthcare
providers and property management companies. Gain
insights on how such a strategy can provide additional value
and improved customer experience to your treasury clients.
Tim Henderson
Senior Director, Product Strategy, ADP, Inc.
Amanda Hales
Director, Product Marketing & Canadian Sales, Creditron, Inc.
Linda Papillion
Senior Director—Payroll, HR Operations, Compliance & Benefits,
Pacific Sunwear of California, Inc.
Greg Rudolph
VP, Corporate Services, First Financial Bank, Ohio
Paperless Billing: Mobile is Boosting
Consumer Reception
Intermediate Level
2:30–3:30 pm
Mobile devices are providing a means for financial
institutions and billers to innovate, engage and enhance
eBilling adoption. Fresh data from surveys and studies are
shared along with the perspective of a leading biller who
offers a high-level summary of the company’s experience
and progress in encouraging customers to adopt paperless
billing and payment methods. Gain insights on usage and
adoption trends from new consumer and biller studies,
including data points highlighting the relationship between
mobile programs and paperless adoption.
Eric J. Davis
Principal User Experience Consultant, American Electric Power
Edward Bachelder
Director, Research, Blueflame Consulting, LLC
Eric Leiserson
Senior Research Analyst, Fiserv
Serving the Digital Needs of the Small
Business Segment
Intermediate Level
11:00 am–12:00 pm
Come explore and discuss the market’s banking needs from
micro-business to mid-market clients. Speakers share best
practices in working with financial institutions to tackle the
problems of how to uniquely service the different customer
segments from the digital channel perspective. After attending
this session, attendees will be able to identify potential
strengths and shortcomings of current and future product
plans and roadmap items, have a clearer view of current
design trends and how to utilize them in their bank’s digital
banking roadmap, and take first hand accounts of how their
peers are handling this topic.
Mark Andrew Ranta
Senior Solutions Consultant, ACI Worldwide
Missy Rose
Senior Product Marketing Manager, ACI Worldwide
payments.nacha.org
17
CONFERENCE SESSIONS
Automated Clearing House Track
Monday, April 20
ACH Network Roadmap for ISO 20022
Intermediate Level
10:00–11:00 am
ISO 20022 is emerging as the de facto financial messaging
standard for payments and related functions. Numerous
companies, and even countries, have implemented ISO
20022 payment functionality. The U.S. ACH Network
currently supports usage of ISO 20022 payment remittance
messages, and NACHA is defining pathways for greater
support of ISO 20022 in the Network. This session focuses
on the NACHA rules and tools for using and integrating ISO
20022 messages for ACH payments, including expanded
reference documentation for payment remittance, and
mapping guidelines for translating ISO 20022 payment
instructions into ACH payments.
Robert Unger, AAP
Senior Director, Product Management & Strategic Corporate
Relations, NACHA—The Electronic Payments Association
Thomas Durkin, CTP
Product Management Executive, Bank of America
Nasreen Quibria
Executive Consultant, CGI Group, Inc.
Recent Developments in Electronic
Payments Law
Intermediate Level
10:00–11:00 am
Staying abreast of the numerous and often complex
developments in the legal and regulatory framework
surrounding payments can be daunting. Understanding
implications for an organization’s ACH activities is crucial.
In this session, you get a thorough review of significant
legal issues raised by current developments in electronic
payments law, including recent amendments to the NACHA
Operating Rules.
Jane E. Larimer
EVP, ACH Network Administration, General Counsel, NACHA—
The Electronic Payments Association
Jane K. Winn
Professor of Law, University of Washington
How ACH Adapts to & Reshapes the
Future of the Payments Industry
Fundamental Level
11:15 am–12:15 pm
Many financial institutions are seeking to drive revenue
and stickiness through mid-market treasury solutions.
This session provides a “how to” for addressing this
opportunity. Obtain an understanding of the drivers and
action steps to acquire incremental commercial treasury
management revenue. Learn how to apply better industry
practices regarding analytics that explore remittance,
client, and transactional data to optimize profit and risk
drivers. Understand how to shortlist available cloud-based
solutions for addressing the B2B payments opportunity with
commercial card and integrated disbursement/collections.
The discussion includes a live demonstration of optimizing
treasury cross-sales using an interactive online illustration
and input from the audience.
Jeff Thorness
President & CEO, Forte Payment Systems
Celine deCourson
Vice President, Moss Networks
Preparing for Same Day ACH:
Bank Perspectives
Advanced Level
1:30–2:30 pm
NACHA is proposing the phasing in of ubiquitous, Same
Day ACH clearing and settlement. Are you prepared for
this enhancement? Gain insights on how your peers are
evaluating the opportunities and risks, and readying their
institutions to maximize the value of Same Day ACH.
Panelists begin with a brief reflection of learnings from other
geographies. They also examine business dynamics of Same
Day ACH in the U.S. Learn as they explore how financial
institutions are planning to productize and position Same
Day ACH. The discussion includes value proposition, target
markets, and cost and benefit topics and perspectives. Bring
your questions for this informative, interactive discussion.
Moderator: David C. Robertson
Partner, Treasury Strategies, Inc.
Taylor J. Vaughan, CCM
Director, Treasury Management Products, First Tennessee Bank
Timothy Thorson, AAP, CTP
VP & Manager, ACH Operations, Regions Financial Corporation
Donald S. Jackson, AAP, CTP
Chief Operations Officer, Southern Financial Exchange
18
Monday, April 20
Beyond the Sale: What Your Cash
Management Team Needs to Know
Intermediate Level
4:30–5:30 pm
ACH products continue to be an important part of cash
management’s suite of services essential to attracting and
maintaining strong client relationships. Risks and servicing
issues can arise within ACH products when there is failure
to fully understand client needs, on-boarding requirements
and operational processes. Look beyond the sale to explore
the importance of partnerships between sales, operations
and service; gather the ACH expertise necessary to deliver
success; and realize opportunities to reduce risks to
revenue, the financial institution, and most importantly, to
the client relationship.
Thomas A. Gregory
SVP, Cash Management, TD Bank, N.A.
Larry D. Burgess, AAP
VP & ACH Operations Manager, TD Bank, N.A.
Paula S. Epstein, AAP, CTP
VP & ACH Product Manager, TD Bank, N.A.
Tuesday, April 21
Mobile Devices & ACH: Changing the
Way the World Purchases
Intermediate Level
9:15–10:15 am
More payments are occurring via mobile devices, making
anywhere-anytime transactions a reality. A recent Frost
and Sullivan report states the B2B e-commerce market will
reach $6.7 trillion by 2020. Companies are embracing ACH
payments in new ways, using technologies to reach new
audiences. This session provides an interactive look at how
payment innovation for television, the Internet and mobile
devices will generate more ACH transactions and revenues
for long-standing and non-traditional entities receiving ACH
payments. Speakers examine the advantages of ACH, as new
companies embrace the fastest, most cost-effective way to
receive payments in non-traditional ways. Why is ACH the
best payment method in an e-commerce, instant-gratification
environment? What are the must-haves for new, ACH-based
payment solutions that businesses are considering? Why are
cloud-based technologies rising to the top as possibly the
best solution for the next evolution in payment processing?
Moderator: Greg Wilfahrt
Chief Mobility & Marketing Officer, AP Technology
Michael Scott
Chief Executive Officer, WasTV
Richard Love
Chief Executive Officer, AP Technology
Engaging for Payment System Change
Intermediate Level
8:00–9:00 am
Location: 208/210
Payments systems around the world are evolving at a rapid
pace. Innovations in information technology, changes in end
user expectations, and increasing complexity in the payments
ecosystem are forcing all stakeholders to reassess their longterm strategies. In recognition of these global trends and
after extensive research and stakeholder input, the Federal
Reserve issued its Strategies for Improving the U.S. Payment
System early this year. The strategies focus on achieving
ubiquitous, safe, faster payments; enhancements to payment
system security; improvements to cross-border payments;
and greater efficiency and electronification of business and
consumer payments. Join the Federal Reserve in this session
to hear the latest and learn more about how to participate
in these collaborative industry efforts to create the U.S.
payments system of the future.
Sean Rodriguez
SVP, FRFS Industry Relations Team,
Federal Reserve Bank of Chicago
Cheryl Venable
SVP & Product Manager, Retail Payments Office, Federal Reserve
Bank of Atlanta
payments.nacha.org
19
CONFERENCE SESSIONS
Tuesday, April 21
Unintended Consequences:
The ACA EFT Mandate & Proliferation of
DDA Information across Non-Financial
Institutions
Intermediate Level
9:15–10:15 am
Across all industries, payment credentials (card and DDA)
are being stored by an increasing number of non-bank
service providers. In healthcare, health plans are now
required to be able to pay providers via an ACH transaction.
This results in many health plans setting goals to shift a
majority of their provider payments to ACH. As adoption
increases and provider DDAs’ proliferate across multiple
health plans, it brings to light questions regarding the
safety and soundness of payment-related data being
held outside of the financial services industry. Are both
financial institutions and health plans prepared to take on
the incremental risk that arises from health plans holding
payment-related data? Presenters share why financial
institutions should be concerned by the proliferation of DDA
information outside of the financial services industry, show
how some financial institutions are already taking steps to
address this issue through the use of tokens, and forecast
the future state of healthcare payments.
Kenneth J. Merrill
Product Management Executive, Healthcare Product Solutions,
Bank of America Merrill Lynch
Irfan Ahmad
VP, Healthcare Payments, The Clearing House
Same Day ACH Clearing & Settlement:
The Revolution of Faster ACH Payments
Advanced Level
11:15 am–12:15 pm
Market demographics demand faster payments and the
ACH Network is poised to deliver. Presenters provide a
creative influence on same-day strategic thinking, ongoing
considerations and the future-in-motion through use of
role play, sharing experiences and thinking critically. Gain
a glimpse into the technical and operational efforts being
made to prepare for the revolution of Same Day ACH.
Denise Grosso, AAP
VP, IT, ACH Lead Business Systems Analyst III, TD Bank, N.A.
Jared Ramsey, AAP
VP, Payment Operations Manager, TD Bank, N.A.
Laura Clary, AAP
Director, Product Management, Fiserv
20
Blurred Vision: How ACH Clouds
Responsibilities in an Institution’s BSA &
Fraud Teams
Intermediate Level
11:15 am–12:15 pm
BSA compliance and fraud teams often have conflicting
responsibilities when addressing ACH, leading each team
to view incoming ACH and originating ACH transactions
differently. Understanding BSA and fraud risks of incoming
and originating ACH is crucial, and speakers review how
three financial institutions with differing asset tiers have set
up their teams to collaborate and effectively address risk.
Patricia Presta, AAP
VP, Education, Western Payments Alliance
John Meyer
Chief Product Officer, Banker’s Toolbox
Optimizing ACH Onboarding
Intermediate Level
2:30–3:30 pm
Institutions experience friction between their credit and
treasury products groups—specifically relating to ACH
underwriting. Learn how a large regional bank overcame
obstacles posed by its traditional credit underwriting process.
Take away knowledge about an ACH onboarding and
monitoring strategy, which includes the ACH underwriting
and approval process, over limit and temporary approval
process, and annual review requirements.
Anne Witherspoon, AAP, CTP
Senior Vice President, Texas Capital Bank
Beverly Dobesh, AAP
SVP, Compliance, SWACHA—The Electronic Payments Resource
Tuesday, April 21
Same Day ACH: Moving Payments Faster
Intermediate Level
2:30–3:30 pm
In December 2014, NACHA proposed a rule for a ubiquitous
Same Day ACH capability across all financial institutions
that would be available for virtually any ACH Network
transaction. The approach outlined by NACHA proposes
incremental functionality that will provide greater value
to end-users, and would include multiple, new settlement
windows, and greater certainty around faster funds
availability—providing a solid foundation on which to build
innovative services into the future. What are the results
from the Request for Comment? In this session, you’ll get
the first look at the industry responses to the Same Day
ACH proposal, and understand the implications of these
responses to making Same Day ACH a reality.
Michael Herd
Senior Managing Director, ACH Network Rules, NACHA—The
Uncle Sam Wants YOU!
Intermediate Level
4:30–5:30 pm
Do not miss out on the chance to have your voice heard
in shaping the future of Federal Government payments
exceptions handling. Join the Bureau of the Fiscal Service
for an interactive session to discuss the Post Payment
System (PPS). PPS is an integral part of the U.S. Treasury’s
effort to modernize and reengineer Federal Government
exception handling, and enhanced fraud detection and
prevention. In this session, you will learn about the
planned system functionality and have the opportunity to
share ideas for requirements.
Lisa M. Andre, AAP
Deputy Project Manager, PPS, U.S. Department of the Treasury,
Bureau of the Fiscal Service
Lourde Romain-Prue
Program Manager, U.S. Department of the Treasury, Bureau of
the Fiscal Service
Wesley Johnson
Deputy Director, U.S. Department of the Treasury, Bureau of the
Fiscal Service
Wednesday, April 22
Electronic Transformation of
Health Care Providers
Intermediate Level
9:45–10:45 am
A large insurance company implemented a strategic initiative
of transforming policyholder and provider payments to ACH.
Attend this session to hear more analysis and the benefits of
the initiative, including speed and convenience of payment,
cost reduction and improved customer experience. Learn how
the initiative improved enrollment, onboarding and customer
experience, while successfully addressing a regulatory change.
Executive Director, ACH/Global ACH Marketing/Product, J.P.
Morgan
David Jeffries
Senior Claims Manager & Payments, AFLAC
Angela Grier
Manager, Financial Control, AFLAC
Escape Velocity: How to Accelerate
Adoption of Electronic B2B Payments
by Addressing Critical Remittance
Challenges
Intermediate Level
9:45–10:45 am
Many organizations are in the process of converting paperbased B2B payments from check to ACH or card. While
the needle is moving on the payables side of the equation,
the receivers of these transactions are experiencing
significant challenges as the critical remittance information
historically provided by check payments is often absent or
delivered inconsistently, making the proper application of
funds a time consuming, inefficient process. For additional
growth in B2B payments in the ACH Network to occur, this
major impediment needs to be addressed. In this session,
speakers outline a vision of how this challenge can be
solved using the remittance format options and solutions
available currently, as well as the potential to leverage new
opportunities such as XML and ISO20022.
Glenn Fromer, CPA
Director of Development, Treasury Software Corporation
Sharon Jablon, AAP
Product Specialist, The Clearing House
Gregory P. Rettinger, AAP
VP, Global Treasury Management, U.S. Bank
payments.nacha.org
21
CONFERENCE SESSIONS
Wednesday, April 22
How to Survive Your Next Regulatory
Exam & Live to Tell the Tale
Intermediate Level
11:00 am–12:00 pm
U.S. Justice Department initiatives such as Operation
Choke Point make it apparent that regulators have amped
up their focus on ACH origination. The trend is likely to
continue. Learn what to expect in your next exam from
a community bank’s perspective and be ready to run the
gauntlet. Participants gain a better understanding of how
regulatory guidance on Third-Party Payment Processors
crosses over into the ACH world of the TPSP/TPS, and why
your BSA officer is perhaps your new best ally. Learn practical
action steps to implement ACH risk management policies
and practices that will pass muster, vet and monitor ACH
Originators and Third Parties as expected, and document risk
management processes.
Ann Bauer
Managing Director, Audit, Republic Bank
Priscilla S. Capes, AAP
VP, Internal Audit, Republic Bank
Implementing the New Rules on ACH
Risk & Quality: What It Means to You
Intermediate Level
11:00 am–12:00 pm
In August 2014, NACHA’s voting membership voted to
approve two new amendments to the NACHA Operating
Rules to help reduce the incidence of exceptions and returns
for ACH transactions. These separate but complementary
changes work together to mitigate risk and further improve
overall ACH Network quality, to benefit consumers,
businesses, governments and financial institutions that
move money via ACH. Several components of the ACH
Network Risk and Enforcement Rule went into effect in
January 2015, while the remaining elements take effect this
September. The ACH Network Quality Rule goes into effect
in October 2016, and institutes an unauthorized entry fee
as an incentive for ODFIs to implement processes and tools
with their Originators to reduce the number unauthorized
transactions. Learn what is being implemented and what it
means to your organization.
Peter Hohenstein
Senior Director, ACH Network Administration, NACHA—The
Amy Leslie
Executive Director, ACH Product, J.P. Morgan
22
Risk & Security Track
Monday, April 20
Using the Device in Multi-Layered
Authentication
Intermediate Level
10:00–11:00 am
Card issuers decline more than $40 billion in CNP
transactions per year, resulting in lost revenue and
reduced customer goodwill. Alienating good customers,
and driving them to use other cards are two side effects.
Furthermore, increasing tension between merchants and
issuers encourages the latter to favor alternative payment
schemes. While the majority of these transactions are good,
issuers today don’t have sufficient information to approve
them. Learn how a consumer’s mobile device history can be
leveraged to address this problem by enabling merchants to
obtain the needed approval from issuers.
Doug Clare
VP, Product Management, FICO
Who’s Regulating Whom &
What Are the Requirements?
Fundamental Level
10:00–11:00 am
Legal, regulatory and compliance burdens could potentially
weigh on payment systems participants every day. Hear
from a payments business lawyer, a bank examiner, a
consumer protection advocate, and a representative from
the U.S. Treasury’s financial crimes enforcement network as
they sort out the ever-growing and intricately woven web
of compliance requirements facing the payments industry.
The interactive session provides perspectives from a variety
of speakers to help you better understand the various roles
and responsibilities within the legal and regulatory space
surrounding payments.
Moderator: Richard M. Fraher
VP & Counsel to the RPO, Federal Reserve Bank of Atlanta
Tony DaSilva, AAP
Senior Examiner, Federal Reserve Bank of Atlanta
Payments Fraud: It’s Not Fun & Games
Intermediate Level
10:00–11:00 am
Recent OCC and FDIC guidelines call for increased due
diligence and monitoring of Third-Party Payment Processors
(TPPPs) and their Originators. However, achieving the right
level of transparency in TPPP activities can be difficult for
budget- and resource-constrained financial institutions. Learn
best practices for effective due diligence and monitoring of
TPPPs and their Originators, including red flags and risk
management techniques supported by real case studies.
Intermediate Level
11:15 am–12:15 pm
Financial institutions and businesses are targets of ever
evolving fraud schemes. This is a huge concern for financial
professionals, whose job it is to protect their organization’s
payment transactions. What payment instruments are
commonly used in fraud schemes? What methods are
financial institutions and businesses using to sharpen their
defenses against fraud attacks? How effective are these
methods? What does research indicate about payment
fraud trends and prevention? Hear analysis that draws upon
the Fed’s 2014 Payments Fraud Survey and other national
research. Through audience participation and research
results, learn about effective, fraud-fighting methods and
tips to avoid victimization by fraudsters.
Keith Groves
Executive Vice President, G2 Web Services, LLC
Moderator: Claudia S. Swendseid
Senior Vice President, Federal Reserve Bank of Minneapolis
KYCC Strategies for Managing ThirdParty Payment Processor Risk
payments.nacha.org
23
CONFERENCE SESSIONS
Monday, April 20
A Precarious Balance: Payment Systems
as a Tool for Public Policy
Advanced Level
1:30–2:30 pm
Current legislative, legal, regulatory and media developments
related to the use of payment systems aim to accomplish
public policy goals. Participants in this session gain
an understanding of current developments, how those
developments are likely to impact participants in the
payment systems, and suggestions for how to navigate the
evolving public policy environment. Topics discussed include
Operation Choke Point, the End Operation Choke Point Act
of 2014, the Community Financial Services Association of
America lawsuit against federal banking regulators, the
Federal Trade Commission’s proposed (or final) RCC and
RCPO rule, the recently approved ACH Network Risk and
Enforcement and ACH Network Quality Rules, and other
significant developments.
Alaina Gimbert
SVP & Associate General Counsel, The Clearing House
Richard W. Burke, Jr., CCM
Head, Corporate Products & Services, TD Bank, N.A.
Trends & Developments in Corporate
Payments Fraud
Intermediate Level
4:30–5:30 pm
The latest AFP Payments Fraud and Control Survey results
are in. Hear the latest numbers, in addition to an analysis of
trends over time. Gain insights on what payment types are
subject to the most fraud, changes in fraudulent behavior,
expected effects of fraud fighting measures such as EMV,
as well as tools corporates can use to prevent fraud. A
corporate will also share its perspectives on the results.
24
Crossing the DMZ: IT & Financial
Professionals Can Coexist
Advanced Level
4:30–5:30 pm
As a payments professional, do you always understand
what IT professionals are saying when they speak to
you? Unfortunately, you may need to in order to make
an informed decision. Specifically designed for the nonIT professional, participants in this session learn how a
financial professional and an IT professional can have a
meaningful conversation and without losing something in
translation that could be frustrating or even detrimental.
Speakers from arch-rival universities and opposite ends
of the IT and financial spectrum team up to help you
understand the techie speak and relate it to your business
processes so you can achieve a victory in your shop.
Ruth A. Harpool, AAP, CTP
Managing Director, Treasury Operations, Indiana University
Jeff Hopkins
IT Security Risk Analyst, Purdue University
Emerging & Zero Day Threats with Digital
Payments & Healthcare
Fundamental Level
4:30–5:30 pm
The financial and healthcare industries are transitioning
to EFT as required by law. The benefits of EFT are many,
including improved cash flow, increased cost reductions and
enhanced patient care. While the benefits are many, there
are still unresolved issues. This session addresses emerging
and zero day threats organizations face with the move to
EFT in healthcare. Gain an overview of EFT in healthcare,
learn about emerging and zero day threats, and hear best
practices to help minimize such threats.
Larry Aubol
Chief Executive Officer, TASCET, Inc.
Sarah Schaus
Assistant Treasurer & AVP, Allianz Life Insurance Company
Michael Hamerlik
President & CEO, Wisconsin Physicians Service Insurance Corp
Carl Magnus Carlsson
Manager, Treasury & Payments,
Association for Financial Professionals
Robert A. Steen
Chief Executive Officer, Bridge Community Bank
Tuesday, April 21
Stopping Account Attacks in Their Tracks
Intermediate Level
9:15–10:15 am
The growing fraud landscape is making it increasingly
difficult for financial institutions and merchants to protect
their customers and businesses. Speakers offer realworld examples, a case study, and best practices for fraud
risk management, outsort rates and customer attrition.
Exclusive data and new insights into fraud threats will
also be presented. Participants in this session gain
valuable takeaways. Discover best practices for achieving
unprecedented results, including automated efficiencies
to reduce outsort rates. Learn why collaboration of
financial institutions and fraud vendors is important in
both the early detection of and prevention of fraud staging
activities, account takeover and account origination attacks.
Understand the importance of focusing on the fraudster to
seek to identify the common pattern behind multiple online
activities and how working cross-departmentally can discover
attacks in other channels.
Gayle Helm
SVP, Electronic Fraud Risk Manager, BB&T
Michael Gross
Director Risk Management & Professional Services,
41st Parameter
Improving Security Through Mobile
Intermediate Level
9:15–10:15 am
Examining industry best practices related to the
authentication of mobile transactions is important. Speakers
review authentication approaches from a variety of mobile
applications in this session. Drawing from Better Security
through Mobile—the “One-Two Punch”—participants learn
about industry best practices; analytical and assessment
tools for authentication including phone, email verification
as well as passwords for mobile wallets or phones; and a
comparison of mobile use cases related to authentication,
transmission and credential storage.
How Customer Centricity Is Driving
Fraud Management Strategies
Intermediate Level
9:15–10:15 am
Real-time, customer-centric fraud prevention starts with
transforming fraud management into an area of competitive
advantage. In this session, see a global bank and industry
expert as they discuss the growing consumer demand
for financial institutions to understand and protect their
transactions at every level.
Robert Shiflet
Managing Director, Global Fraud Execution, Citibank N.A.
TJ Horan
VP, Product Management, FICO
Spotlight on Cyber Security:
The Multidisciplinary Approach
Advanced Level
11:15 am–12:15 pm
Recent events have pushed cyber security into the public
spotlight and organizations are now being asked difficult
questions on how they are keeping client and consumer data
secure. With data breaches occurring nearly every week,
companies need to ensure they have a multidisciplinary
approach to security that allows for continued growth, while
keeping businesses’ most sensitive payments and financial
information secure. This session focuses on security best
practices and real-life examples of how a sophisticated,
layered security program can provide organizations with
peace of mind that their data is secure. Learn why the
multidisciplinary approach to security continues to win out
against data breaches. Find out how top businesses are
keeping clients’ most sensitive information secure in the
cloud. Gain insights on the current risk environment and how
recent events have put the spotlight directly on organizations
that now must answer such tough questions.
Kristin S. Walle, AAP, CTP
VP, Global Money Movement & Compliance, ADP, Inc.
Roland Cloutier
VP, Chief Security Officer, ADP, Inc.
Jason Oxman
Chief Executive Officer,
ETA—The Electronic Transactions Association
payments.nacha.org
25
CONFERENCE SESSIONS
Tuesday, April 21
Check Fraudsters Have a Brand New Bag
Intermediate Level
11:15 am–12:15 pm
Consumers may not be writing as many checks as they once
did, but enterprising check fraudsters continue to flourish.
Stand-by methods continue to inflict losses, but newer
forms of fraud such as duplicate deposit fraud are trending
upward. With fraudsters rewriting their playbooks, financial
institutions need to reconsider their defense formations
to ensure they continue to protect the bottom line. Hear
about the latest trends in check fraud, as well as steps
one institution in particular has taken to fight check-fraud
schemes, old and new.
David Barnhardt
VP, Product Management, Early Warning Services, LLC
Risk Management for Same Day ACH
Intermediate Level
11:15 am–12:15 pm
Given the momentum towards Same Day ACH clearing and
settlement, financial institutions will have to adapt to faster
modes of risk analysis and anomaly detection. Learn how
to establish good practices for risk measurement, identify
aspects of an ACH transaction that require regular scrutiny
from both operations and board management perspectives,
and identify specific analysis areas that are critical from the
Same Day ACH clearing and settlement perspective.
Moderator: Elliott C. McEntee
President & CEO, Payment Advisory Service
Rajiv Donde
President, Laru Technologies
Patti Greenup
Customer Service Manager, Fremont Bank
Fighting the Good Fight: Taking on
Corporate Payments Fraud
Intermediate Level
2:30–3:30 pm
Industry surveys show that fraud continues to be on the rise
for corporates and originates from both inside and outside
their organization. To protect vital assets, corporates are
increasingly turning to their banking partners to help in the
important fight against fraud. To erect effective barriers to
ACH fraud, corporates can employ tools offered by financial
institutions to identify potential fraud activities in progress
and stop them before damage is done. Participants in this
session learn about the most current tools available and
how they have deployed them successfully.
26
Executive Director,
ACH/Global ACH Marketing/Product, J.P. Morgan
Laura Weinflash
VP, Market Strategy, Early Warning Services, LLC
David K. Vogt, CTP
Treasury Operations Manager, PAYCHEX, Inc.
Nolwenn Godard
Senior Product Manager, PayPal, Inc.
When Unusual Behavior Isn’t Fraud
Advanced Level
2:30–3:30 pm
Is unusual behavior by a customer, potential fraud, or just
unusual? This session examines insights on groundbreaking
analytic technologies, multi-layered self-calibrating
analytics and adaptive analytics that are changing the way
fraud systems decode customers’ behavior, real-time. This
helps organizations more precisely distinguish the unusual
from the fraudulent. Participants in this session take away
information on analytic innovations that are priming
organizations for the rapid adoption of mobile transactions.
Scott Zoldi
VP, Analytic Science, FICO
Sanctions Compliance & Combating
Terrorist Financing: Best Practices &
Tools in an Interconnected World
Intermediate Level
4:30–5:30 pm
The rise of organized financial crime, along with increased
global regulatory demands, pose some of the biggest
challenges financial institutions face today. Understanding
sanctions compliance regulation, best practices in mitigating
risk, and having tools in the arsenal to detect illegal payments
are important for financial professionals. Hear real-world
examples of how financial institutions are addressing threats,
minimizing risks and maximizing operational efficiency.
Alan Laver
VP, Money Transfer & Foreign Exchange Operations, Scotiabank
John O. Evans
Director, Financial Crime Solutions, CGI Group, Inc.
Tuesday, April 21
What You Don’t Know & Don’t Do Will
Indeed Hurt You
Intermediate Level
4:30–5:30 pm
Well-structured legal agreements place liability and loss
allocation, and enforce legal restrictions. These aspects are
only a portion of what you need to know when managing
relationships with third-parties supporting high-risk
origination. Activities like eKiting, risky origination and the
critical aspect of effective resource management create highstakes positions for providers of ACH services. Participants
in this session gain a better understanding of ODFI rights,
obligations and risks, including well-provisioned contract
considerations, BSA concerns, and proven risk-mitigation
techniques. Know what to do before it’s too late.
Moderator: Rayleen Pirnie, AAP
Director, Compliance & Fraud, EPCOR
Karen Garrett
Partner, Stinson Leonard Street LLP
Marcie J. Haitema
SVP, ACH & eCommerce Operations, PNC Bank
Wednesday, April 22
Payroll Processors & Operation
Choke Point
Advanced Level
9:45–10:45 am
Payroll providers are not immune from heightened
regulatory scrutiny on third-parties. Perhaps because of the
critical role they play, this attention is not surprising in the
current environment. However, the regulatory landscape is
inconsistent across jurisdictions and does not effectively
take into consideration aspects that are unique to this type
of provider. Speakers in this session address the nuanced
aspects of the payroll service provider arena, including
customer vetting and risk management best practices,
and how regulatory shortcomings are impacting business
models and decisioning. Learn what this means not only
to those who are providing payroll services, but also to
the companies that are their clients and the financial
institutions that are their business partners.
Exploring Third-Party Sender
Registration
Intermediate Level
9:45–10:45 am
Third parties play an important and growing role in the
ACH Network as they enable others to efficiently utilize
and benefit from ACH payments. However, as Third-Party
Sender relationships in particular grow increasingly more
complex, there exists the potential for greater risk as
well as additional regulatory scrutiny. Understanding the
complex and often layered roles and responsibilities, as well
as the associated risks, and performing appropriate due
diligence are paramount for financial institutions. As part
of its continued efforts to foster greater clarity and deliver
a range of additional tools and measures to help financial
institutions and mitigate risk, NACHA is exploring mandatory,
rules-based Third-Party Sender registration. The intent of
the undertaking is to provide greater transparency into the
activities of Third-Party Senders and assist ODFIs with due
diligence and ongoing monitoring of these relationships.
Understand what NACHA is proposing and why, and what it
means to your organization.
Cynthia Jenkins
Senior Director & Group Leader, ACH Network Risk Management,
NACHA—The Electronic Payments Association
Devon Marsh
SVP, Treasury Management & Internet Service Risk &
Compliance, Wells Fargo
Know Your Customer:
For Every ACH Transaction
Advanced Level
11:00 am–12:00 pm
Recent and ongoing positive changes in the NACHA
Operating Rules, a stronger focus for financial institutions
on KYC, and the increase of governmental consumer
protectionism have all combined to create an environment
of caution when it comes to processing ACH files. Learn
about common and unusual attempts to commit fraud with
ACH, and preventative measures to stop them.
David S. King
Director of Strategic Development, MicroBilt Corporation
Jane Keller
Director, rVd Program Management, MicroBilt Corporation
Moderator: Cristina Hellems, AAP
Senior Product Manager, Union Bank
Martin F. Menz, AAP, CTP, CPA, MBA, CFE, CGMA, CMA
Chief Financial Officer, Payroll People, Inc.
Michelle Fantanza
Operations & Support Manager, PAYCHEX, Inc.
payments.nacha.org
27
CONFERENCE SESSIONS
Strategy Track
Monday, April 20
Engaging for Payment System Change
Intermediate Level
8:00–9:00 am
Payments systems around the world are evolving at a rapid
pace. Innovations in information technology, changes in
end user expectations, and increasing complexity in the
payments ecosystem are forcing all stakeholders to reassess
their long-term strategies. In recognition of these global
trends and after extensive research and stakeholder input,
the Federal Reserve issued its Strategies for Improving the
U.S. Payment System early this year. The strategies focus on
achieving ubiquitous, safe, faster payments; enhancements
to payment system security; improvements to cross-border
payments; and greater efficiency and electronification of
business and consumer payments. Join the Federal Reserve
in this session to hear the latest and learn more about how
to participate in these collaborative industry efforts to create
the U.S. payments system of the future.
Sean Rodriguez
SVP, FRFS Industry Relations Team,
Federal Reserve Bank of Chicago
Cheryl Venable
SVP & Product Manager, Retail Payments Office,
Federal Reserve Bank of Atlanta
The Real-World Case for
Real-Time Payments
Intermediate Level
10:00–11:00 am
After extensive industry work on a straw-man model for
real-time payments, this session provides one of the first
opportunities to consider a practical, product-oriented
approach, presenting the business case for real-time
payments from financial institutions’ and their customers’
perspectives. Speakers address key issues, such as: Which
payment services will businesses or consumers pay for? What
is the cost/benefit calculation for customers? Is real-time
payments a niche product or mainstream? To what extent
will real-time displace existing payments, and what is the net
impact? Who pays for real-time payments: sender vs. receiver,
business vs. consumer? Is the business case balanced?
Moderator: Steve Ledford
SVP, Product & Strategy, The Clearing House
Roy C. DeCicco, CCM
Managing Director, J.P. Morgan
Jim Reuter
President, Support Services, FirstBank Holding Company
28
Driving Payments Innovation in a
Challenging Regulatory Environment
Intermediate Level
11:15 am–12:15 pm
The risks of innovation are outweighed by the consequences
of inaction; reluctance to adopt new technologies can
leave financial institutions out in the cold. Successful early
adopters overcome the challenges of payments innovation
and reap its benefits, while driving the industry-wide
acceptance of groundbreaking practices. Participants
in this session hear from CEOs of successful payments
companies that established key partnerships with financial
institutions and core technology providers to transform
industry practices. Learn about the challenges in payments
technology innovation and what’s at stake, and why adopting
new technologies is so important. Understand the role that
disruptive innovators play and how to remain relevant, as
well as overcome financial and technological risks.
Moderator: Deborah Matthews Phillips, AAP
Managing Director, Payment Strategy, Jack Henry & Associates
Deborah C. Peace, AAP
Chief Executive Officer, ACH Alert, LLC
Danny Shader
Founder & CEO, PayNearMe, Inc.
Drew Edwards
Chief Executive Officer, InGo Money, Inc.
Payments 2025: What Will it Look Like?
Advanced Level
1:30–2:30 pm
In 2025, the workforce will be 73 percent millennials. We
are already contending with change driven by the impact
of this generation, but what does it mean for the future?
What impact will that have on how we initiate, process
and settle payments? What will be the role of data? How
will the nature and role of financial institutions and nonbank solution providers change? How will value be added?
How will revenue streams differ? What types of products
may emerge? How will the regulatory environment evolve?
Participants in this session are taken on a trip into the
future, where speakers explore where we are today in
payments, and step through the next 10 years to consider
what is possible by 2025.
Casey H. Wilcox
SVP, Head of Payables & International Product Management,
Capital One
Dr. Leo J. Lipis
Managing Director, Lipis Advisors
Strategy Track
Monday, April 20
Lessons from Healthcare: How Payments
Can Drive Engagement
Intermediate Level
1:30–2:30 pm
Eighty percent of patients recommend a hospital with an
improved payments experience. Healthcare has adopted
many payments innovations from consumer brands, but
has taken the added step of packaging these innovations
into a complete revenue cycle strategy driven higher
patient engagement and satisfaction? Most consumer and
payments companies view mobile, web, in-store, and phone
as channels that align to drive a conversion or transaction.
These payment interactions can also drive loyalty and
repeat transactions. Participants in this session learn from
expert panelists, healthcare case studies and data, and
interactive audience polling to understand how a unified
revenue cycle creates stronger customer affinity and loyalty.
Hear how engagement outcomes in the healthcare industry,
when viewed as benchmarks for consumer brand loyalty,
can inform strategies across industry verticals.
Tomer Shoval
Co-Founder & CEO, Simplee
How Real Are Real-Time Payments?
Advanced Level
4:30–5:30 pm
Myth-buster: Real-time payments have gone global, but
each scenario marches to a different drummer, and what
exactly does “real-time” even mean? This session covers the
myriad global efforts on the march to real-time payments,
with specific focus on the fascinating case from Down
Under, Australia.
Mary Ann Francis
Executive Advisor, Global Treasury & Payments Solutions,
Wipro, LTD
Gene Neyer
SVP, Global Payments Product ManagerFundtech Corporation
Liz Oakes
Associate Director, Management Consulting, KPMG LLP
Tuesday, April 21
Data & Cash: The Tie That Binds Them
Advanced Level
8:00–9:00 am
As the economy evolves and we continue to battle flat
growth, companies and their treasurers and controllers are
looking for ways to gain direct access to payment data.
This includes both collections and disbursements from
their accounting systems and financial institutions. The
trick is how to bind the two for cash visibility, creating a
unique paradigm and shift for many companies and their
treasury management teams. How do you look at cash
positions, needs and flows across multiple geographies?
How do you manage them across currencies and multiple
bank relationships? Participants in this session learn about
best practices and the questions to ask financial institutions
to ensure they can capture this visibility to maximize their
liquidity and use of cash across geographies and currencies.
Casey H. Wilcox
SVP, Head of Payables & International Product Management,
Capital One
Mary Ann Francis
Executive Advisor, Global Treasury & Payments Solutions,
Wipro, LTD
Cross-Border Payments Nirvana:
Are We There Yet?
Intermediate Level
9:15–10:15 am
This session offers a lively debate about the key opportunities
and challenges presented to payments participants by
the continued growth in cross-border payments. Panelists
voice their opinions and solicit audience views on how the
international payments landscape is changing, and the
opportunities to overcome current inefficiencies and risk and
compliance challenges. Is ISO 20022 adoption necessary for
the U.S. payment system to effectively interoperate and/or
compete with other markets around the world? This futurefocused conversation looks towards goals and solutions to
invigorate industry dialogue and progress.
Dr. Elizabeth McQuerry
Partner, Glenbrook Partners
Kenneth Isaacson
Senior Vice President, Federal Reserve Bank of New York
Lisa Hrabosky
Director, Global Core Payments, PayPal, Inc.
Jerry Siegel, CISA, CISM
SVP & Chief Technology Officer, Auburnbank
payments.nacha.org
29
CONFERENCE SESSIONS
Strategy Track
Tuesday, April 21
B2B Payments:
Waking the Sleeping Giant
Intermediate Level
11:15 am–12:15 pm
B2B represents the largest unrealized opportunity in the
payments space. At $38 trillion of payment dollar volume,
it dwarfs the consumer payment market, yet the B2B
landscape is littered with failures. Partial solutions from
old guard providers have added to the problem instead
of providing a solution. Participants in this session hear
panelists discuss the future of B2B payments and offer
real insights into what it will take for a solution to deliver
value in a complicated, burgeoning market that is ripe
for disruption. Understand what has been learned from
past attempts to crack the B2B nut, how they missed the
mark, and what corporates, financial institutions, solution
providers, and others need to do to get it right this time.
Building a Sustainable Revenue Stream:
The Power of Small Business Payments
Intermediate Level
4:30–5:30 pm
The small business segment offers financial institutions
opportunities to tap into frequently unrealized sources of
account growth and net a new revenue stream. However, in
order to maximize potential, they need to learn more about
the evolving needs and preferences of these customers.
Participants in this session gain insights learned from
proprietary market research that will help them identify
and understand trends in small business behavior related
to payments. Panelists provide valuable findings and
recommendations on what small business owners need
from their financial institutions’ payments products to help
increase market share in this growing segment.
Moderator: William Hippensteel
Managing Director, Knowledge Network & Content, BAI
Moderator: Carol Coye Benson
Founding Partner, Glenbrook Partners
Miles Kilburn
Founder, Mosaiak Partners
Bruce Wallace
Chief Operating Officer, Silicon Valley Bank
Karla Friede
Chief Executive Officer, NVoicePay, Inc
Interactive Data Mapping:
Designing Products to Improve
Americans’ Financial Health
Intermediate Level
2:30–3:30 pm
In 2015, CFSI will release a landmark consumer study
quantifying financial health in America, using both objective
and subjective measurements. Completed in partnership
with American Express, the Ford Foundation and MetLife,
the study links measurements with payments product
usage to help financial providers design better products.
Participants in this session engage with the data, as this
TED-style presentation sheds light on what the findings
tell us about individuals’ financial behaviors. This session
provides insights into prepaid and payments products,
and highlights recent, high-quality market innovations
that are poised to take advantage of long-term revenue
stream opportunities that arise. Walk away with ideas for
innovation, and an understanding of how to design products
that are beneficial for both businesses and consumers.
Jennifer Tescher
Chief Executive Officer, Center for Financial Services Innovation
30
Thank you to our
Media Partners
Pre-Conference Workshops
Covering a wide variety of payments industry related topics, these two-hour workshops
provide ample time to incorporate interactive training techniques, providing attendees with
meaningful value and practical tools such as checklists and resource papers. These sessions
take place Sunday, April 19.
Sunday, April 19: 1:00–3:00 pm
ACH 101
Fundamental Level
As an introduction to the ACH Network, this preconference workshop provides a fundamental overview
of ACH, including the legal framework and the roles and
responsibilities of Network participants. Speakers discuss
exception processing and explain ACH applications
designated by Standard Entry Class (SEC) codes, noting
distinctions between consumer and corporate, single and
recurring, credit versus debit payments. The speakers also
provide an overview of the structure of and how to navigate
the NACHA Operating Rules.
Debbie Barr, AAP, CTP
Senior Director, ACH Network Rules Process,
Jennifer Kirk, AAP
Director, Payments Education, EPCOR
International Payments Primer
Fundamental Level
New to international payments? This workshop immerses
participants in the world of global payments. Corporate
and financial institution practitioners learn key concepts,
terms, principles, and regulatory requirements preparing
them to support the business needs of their organizations
and customers.
Jane Hennessy
Global Banking Consultant & Chief Compliance Officer, Oak
Financial Software Corp. & Independent Consultant
Alan S. Koenigsberg
Managing Director, Bank of America Merrill Lynch
Organizing a Global Payments
eAuction—Part I
Intermediate Level
Two-part workshop. In Part I, attendees learn what
comprises an eAuction and the pros/cons of using this tool
to negotiate pricing; how an eAuction fits in with vendor
strategy and RFP processes; and processes and learnings on
Google’s eAuction across 30 countries and five methods of
payment in three weeks. Participants will come away with
a general guide, best practices and a complete template for
incorporating eAuctions into their supplier sourcing and
payments management strategy.
Yvette Bohanan
Head of EPS Partner Management, Google, Inc.
Kristy McCown
Payments Partner Manager, Google, Inc.
Anna Mn
EPS Partner Manager, Google, Inc.
Originator Due Diligence
Intermediate Level
ACH origination offers financial institutions lucrative
opportunities to grow their businesses. Along with those
opportunities lie challenges of knowing your customer and
your customer’s customer. Increased scrutiny and evolving
threats demand constant reevaluation of onboarding of
Originators and third parties. In this workshop, participants
explore the due diligence process and obtain guidance to
make informed decisions.
Melissa Giddens, AAP, CTC, NCP
VP & Senior Treasury Management Officer,
Washington Trust Bank John M. Curtis, AAP, NCP
VP, Director of Education & Communications,
Western Payments Alliance
payments.nacha.org
31
PRE-CONFERENCE WORKSHOPS
Payments Risk 101: A Risk
Management Roadmap
Understanding Virtual Currency:
Theory, Practice and Regulation
Fundamental Level
Fundamental Level
Participants in this workshop are provided a roadmap for
establishing and maintaining a risk management program that
can be easily understood and implemented by all participants
in the payments chain. Content is designed for financial
institutions, originating companies and periphery users of the
ACH Network.
Bitcoin and other virtual currencies seem to have taken
the market by storm, yet there is significant uncertainty
about how these products function, how they currently are
used (and may be used in the future) and how they are (or
should be) regulated. Participants in this workshop take part
in an interactive discussion about virtual currencies, and
come away having learned what virtual currency is, where
it comes from and how it circulates, the purpose virtual
currency serves and how virtual currency relates to more
established payment methods.
Jeanette A. Fox, AAP
Senior Director, Risk Investigations & Research,
Timothy Mills, AAP
VP &, Executive Director, The Clearing House
Duncan Douglass
Partner, Alston & Bird LLP
Understanding Payment Cards
Fundamental Level
Participants in this workshop gain a comprehensive
understanding of card-based payments. The workshop
provides insights from the issuing and acceptance
perspectives on types of cards, applications, authorization
requirements, and evolving regulatory and technological
factors that impact business decisions.
Paul Tomasofsky
President, Two Sparrows Consulting
ACH 201
ACH Security Procedures on Trial
Intermediate Level
This workshop builds on principles addressed in the
ACH 101 workshop. Speakers cover complex concepts
and examine nuances of the NACHA Operating Rules
as they apply to payment origination and receipt, risk
management, rules compliance and enforcement, and
exception processing. They also explore operational, legal,
and business aspects, and share insights into best practices.
Speakers focus on warranties, liabilities, and responsibilities
surrounding ACH participation, while drawing distinctions
between commercial and consumer considerations, ODFI
and RDFI perspectives, and types of third parties.
Fundamental Level
Sean Carter, AAP
VP, Risk & Compliance, NEACH
Kimberly W. Rector, AAP
Senior Director, Education,
MACHA—The Mid-Atlantic Payments Association
32
Using real court cases and other case studies, this
workshop puts security procedures on trial. Participants
learn to analyze agreements, determine how they align with
NACHA’s ACH Security Framework, and how courts of law
have defined commercially reasonable.
Paul A. Carrubba
Partner, Adams & Reese, LLP
Mary M. Gilmeister, AAP, NCP
President, WACHA—The Premier Payments Resource
Fred Laing, II, AAP, CCM
President, Upper Midwest ACH Association
Introduction to Standards
Intermediate Level
This workshop examines the standards that comprise the
payments ecosystem, providing an overview of the practical
application of the standards and guidance for the use of the
formats within the major clearing/payment networks (FED,
CHIPS, SWIFT), back-office operations, and cross-border
exchanges. Workshop participants learn what payment
standards consist of, the necessary components of a
payment standard, and the purpose of ISO.
Stephen Wojciechowicz, AAP, CTP
Director, Deutsche Bank Trust Company Americas
Mind the Gaps: Legal & Regulatory
Gap Analysis for Mobile Payments
Intermediate Level
Take a journey through the mobile underground and
explore regulatory gaps that exist in mobile banking/mobile
payments regarding consumer protection, privacy/data
security, money transmission/money services business
laws, rules, and regulations. Speakers use case studies to
understand how the structure of the payment transaction,
form of payment/funding source, the flow of funds, privacy/
data security, and other related issues can trigger regulatory
requirements, as well as certain key regulatory and
consumer protection issues that are important to address in
consumer-facing terms and conditions.
Erin Fonte
Shareholder, Cox Smith Matthews Incorporated
Security Trifecta: End-to-End
Encryption, Tokenization &
Dynamic Authentication
Fundamental Level
With the explosive growth in online transactions, the
need for comprehensive payment security solutions has
never been more pressing. Recent developments in risk
management underscore the importance of security
solutions—starting at the first point of contact through
final completion of the transaction. This workshop
provides participants a comprehensive look at securitizing
payments using end-to-end encryption, tokenization and
authentication, and weighs the pros and cons of these
preeminent solutions.
Maria T. Arminio
President & CEO, Avenue B Consulting, Inc.
What Aren’t Your Regulators
Telling You?
Intermediate Level
The workshop provides participants a better understanding
of recent FFIEC initiatives regarding cybersecurity
assessments of community banks and credit unions.
Discussion focuses on regulatory guidance and
expectations, what to expect as an institution, current
industry findings, and best practices.
Tony DaSilva, AAP
Senior Examiner, Federal Reserve Bank of Atlanta
Susan M. Pandy, Ph.D.
Director, Payment Strategies, Federal Reserve Bank of Boston
Organizing a Global Payments
eAuction—Part II
Intermediate Level
Part II of this workshop allows participants to draw on
knowledge acquired in Part I and take part in interactive
breakout sessions to help get started on incorporating an
eAuction into their vendor management strategy.
Yvette Bohanan
Head of EPS Partner Management, Google, Inc.
Kristy McCown
Payments Partner Manager, Google, Inc.
Anna Mn
EPS Partner Manager, Google, Inc.
payments.nacha.org
33
PRELIMINARY PROGRAM
Special Events
Networking Opportunities
Same-Day Solutions Center—NEW
Hands-on demonstrations in the
Innovation Hub that offer focused
dialogue around current and future
same-day payment solutions.
Co-sponsored by Topical Talks—NEW
Small chats that enable intimate
discussions on today’s hottest topics in
payments. Topics to be released in
early 2015.
Co-sponsored by Executive Forum (by invitation only)
Senior-level executive sessions that
engender brainstorming and problemsolving around the industry’s biggest
challenges and opportunities.
Richard Oliver
Payments Consultant and Executive
Forum Moderator
Sponsored by PAYMENTS 3D Innovation Hub
Fast-paced, interactive demonstrations
that debut the next wave of payments
industry innovations.
Sponsored by Solution Circles
Breakfast roundtable discussions
that center on answers to today’s
critical questions.
Sponsored by PAYMENTS 2015
Mobile App
Sponsored by
34
Monday Night Celebration
A don’t-miss networking event that brings together
all conference attendees for a fun-filled, themed
extravaganza at Generations Hall, home to some
of the most fabulous Mardi Gras and Halloween
parties in New Orleans.
Co-sponsored by 2015 NACHA Payments System
Awards Luncheon
Luncheon experience that honors the highest degree
of achievement in the development, implementation
and advancement of electronic payments. Includes a
brief awards ceremony, networking time and a
keynote speaker.
Sponsored by
Tuesday Evening
Reception in the Exhibit Hall
Casual gathering that creates opportunities for
personal connections with conference exhibitors,
sponsors and attendees.
First Timers’ Coffee Reception
Short overview of PAYMENTS that connects new
attendees with members of the Conference Planning
Committee and NACHA staff. Includes a coffee break.
AAP Reception (by invitation only)
Lively reception that brings together the Accredited
ACH Professionals (AAP) community at PAYMENTS.
Sponsored by Open to all AAPs.
Chairperson’s Leadership
Reception (by invitation only)
Celebratory event bringing together payments
industry leaders to mark the year’s successes.
Sponsored by
Use the PAYMENTS 2015 Mobile App to explore session details, access presentations,
design your personal schedule, and explore the interactive exhibit hall map. The App is
available for download on iOS devices (iPhone, iPad), Android devices, and in HTML5.
When using a Blackberry, laptop or other device, please use the HTML5 version, which
performs as a website.
PAYMENTS 2015: Igniting the Industry’s Future. Be Ready.
The industry feels the need for speed. Make sure
you’re there to help create the rules of engagement.
PAYMENTS is where leaders gather. Join us at the
New Orleans Morial Convention Center
in New Orleans, La.
Travel and Accommodations
We look forward to welcoming you to New Orleans for
PAYMENTS 2015!
Choose from one of our official hotels.
New Orleans Marriott
Steps from the French Quarter; shuttles
will be provided to and from the
convention center. Rates from $214.
Hilton Riverside New Orleans
Close to the convention center and many
rooms have a river view. Rates from $229.
For more information and to make online
reservations, please visit
http://payments.nacha.org/accommodations
Registration
4 Ways to Register
1. Internet: https://payments.nacha.org
2. Phone: 800-487-9180 or +1 703-561-1100
3. Fax: +1 703-713-1641 (secure fax line)
4. Mail: Download our Registration form and
return registration with payment
Registration Fees
Standard Member
Standard Nonmember
$1,795 (available after
February 20, 2015)
$2,095 (available after
February 20, 2015)
Special Rates
Save on Travel
Book your air travel
and receive up to 10% savings with Delta Airlines.
Reservations and ticketing are available at
www.delta.com. When making your flight reservation
online select “Book A Trip.” Click on the “Advanced
Search” and enter the Promo Code NMK4B to save
today! Travel must be completed between April 16–25,
2015. You may also call 1-800-328-1111 (Monday–
Friday 7 am–7 pm) to book your flights. Please refer to
the Promo Code when you call. International originating
guests will need to contact your local reservations office and
refer to the Promo Code.
*Please note there is a direct ticketing fee for booking through the
Delta Airlines reservation number.
Corporate End-User*
Networking/Exhibit Hall**
$995
$975
Government/Federal Reserve
$1,395
Sunday Workshops—Choose two workshops for one low price.
$290
GROUP REGISTRATION RATES:
Bring your team and save! Receive $175 off the third and subsequent
registrants when you register three or more people from the same organization
at the same time. This group discount is available on Member, Nonmember
and Government rates only.
*Corporate End-User Rate: Registrant must be employed directly by a business
entity that is an end user of payment services in the context of making
payments to or receiving payments from customers and/or trading partners
relating to the sale of goods and services; excludes consultants, financial
institutions, processors/solution providers and government agencies. If you
do not see this rate available during the online registration process and you
believe you are eligible to receive this rate, please visit https://payments.nacha.
org/eligibility and submit your information via the Corporate Rate Eligibility
Form. NACHA reserves the right to determine eligibility.
**The Networking/Exhibit Hall Pass includes access to all events in the
exhibit hall, both keynotes on Monday and the Monday Night Celebration.
Concurrent sessions, Spotlight Speaker Series, the Tuesday Awards Luncheon
and Solution Circles are excluded.
payments.nacha.org
35
2550 Wasser Terrace
Suite 400
Herndon, Virginia 20171
PRELIMINARY PROGRAM
2,400
> more than
payments leaders
96%
of attendees concur
that PAYMENTS helps
them meet objectives
3
dynamic
keynote sessions
1,300+
mobile app users
28 +hours for
networking
& business
development
> more than
130
educational sessions
Opportunity
to Earn
20 AAP & CTP credits
exhibitors & sponsors

PRELIMINARY PROGRAM

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