nacha payments 2014 conference brochure

ORLANDO WORLD CENTER MARRIOTT

Presented by:

Transform

Imagination into Strategic Innovation

PAYMENTS3D

NETWORKING EVENTS

EXECUTIVE FORUM

SPOTLIGHT SPEAKERSERI

ES

Keynote Speaker:

Kristian HammondCo-Founder & CTO, Narrative Science

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PAYMENTS 2014 offers a comprehensive examination of the most pressing topics in the payments ecosystem.

Experience the PAYMENTS advantage:• More than 130 educational sessions meticulously designed with executives and payments professionals in mind

• Demonstrated thought leadership with insightful plenary and concurrent sessions and hands-on workshops

• Thousands of payment system experts from financial institutions, established and emerging solution providers and business end users who are driving innovation forward

• A dynamic and interactive exhibit hall that includes innovative kiosks and an enhanced PAYMENTS 3D Theater experience

• Incomparable networking opportunities tailored especially for executives and payments professionals at all levels

https://payments.nacha.org I 1-800-487-9180 3

Who Should Attend ?

Change is Inevitable. Learn from and network with thousands of key contacts from the enterprises and entities that provide, purchase, support and regulate the payments business.

• CEOs • Presidents• Strategists• Retail Bank Executives• Solutions Providers• Payment Processors• Information and Security Officers

• Risk Management and Compliance Executives• Corporate Treasury Managers• Payments Operations Directors• Innovators and Technologists• Consultants• Legal Counsel

• Inform and enrich your strategic outlookand execution

• Gain insights and information from thosewho are driving change and moving theindustry forward

• Find the innovative solutions you need to compete in today’s ever-evolving marketplace

• Engage current and prospective clients

• Understand the implications of legal and regulatory churn

Back by popular demand, this exciting event brings together forward thinking, out-of-the-box disrupters from all over the world.PAYMENTS 3D offers a glimpse into the next wave ofpayments industry innovations and challenges, and you’llget the chance to ask questions and talk directly to thesenew consumer and business solution providers. Held in thebuzzing exhibit hall, PAYMENTS 3D offers fast paced,interactive demonstrations of new technologies andconcepts – up close and in person.

NETWORKING LUNCHESPAYMENTS offers several opportunities for networkingincluding a special lunch in the exhibit hall and therenowned Awards Luncheon where NACHA recognizesindustry innovators.

2014 NACHA Payments System Awards LuncheonNACHA’s annual Payments System Awards recognize thehighest degree of achievement in the development,implementation and advancement of electronic payments.These prestigious awards celebrate outstandingaccomplishments and superior leadership. Join us for thisentertaining luncheon as we unveil this year's recipients.

EVENING RECEPTIONSMonday Night CelebrationGet ready for one of the most anticipated events of the conference—a fun-filled extravaganza that fills fourdifferent clubs and takes over thestreets of Universal CityWalk® atUniversal Orlando® Resort. Take atrip to New Orleans at Pat O’Brien’s® or explore the homeof the king of reggae at Bob Marley–A Tribute toFreedomSM. Enjoy three themed rooms and a huge dancefloor at the grooveSM and take the stage at CityWalk’sRising Star (hosted by EastPay). It’s an entire evening offun, food and celebration. This event is open to allconference attendees. Be there!

Pat O’Brien’s, Hurricane Glass logo, Have Fun! and Iron Grill Design ® Pat O’Brien’s Bar, Inc. © 2014 PatO’Brien’s Bar, Inc. All rights reserved. Universal elements and all related indicia TM & © 2014 Universal Studios.All rights reserved.

Tuesday Evening Reception in the Exhibit Hall You won’t want to miss this opportunity to make thosecritical last minute connections. Enjoy refreshmentssurrounded by cutting-edge technology providers, paymentservice experts and organizations poised to offer thesolutions you’re looking for.

Conference Highlights

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CALLING ALL INNOVATORSGet on board and show us

what you’ve got. Limited spots are available in the PAYMENTS 3D Theater. The Theater sold out early for last year’s event so sign on today. Contact Joshua Maze at 703-561-3960 or email him at [email protected].

Co-Sponsored by



UNIQUE EDUCATION EVENTS Industry Agenda

Gamifying Financial Services: The Millennials, Gen X and InstitutionsDay: Monday, April 7Time: 2:45 p.m. – 3:45 p.m.

Everything we know about the financial services is about to be turned upside down by the Millennial generation. They’re more concerned with the environment, cost and social impact of everything than ever before, but what they really want is fun andengagement. While we’ve been mining behavioral andeconometric data and working hard to improve technology, nowwe need to consider how to get the customer of the future offtheir phones for long enough to care about finance and thefuture. The solution: gamification – a powerful new approach todriving loyalty and engagement that is changing the financialemployee, customer and strategic landscape with extraordinaryspeed. Join author and designer Gabe Zichermann for this fast-paced session that will show you how, when and whygamification will revolutionize the top and bottom line, andeverything in between.

Solution Circles Start your day off right and join industry colleagues for breakfast, networking and thought-provokingconversations at these open forum roundtable discussions. Choose from multiple discussion topics and gain the insight andknowledge of current industry trends. Full conference participantsonly. Seating is limited. Get involved in the conversation. Use hashtag: #PAYMENTS14SC for the Solution Circles.

Solution Circles topics include:

• Monitoring ACH Risk: What Trends Matter Most

• Steps to ACH Origination: What are the Benefits for Credit Unions?

• The Rules & Originators: How Do We Keep it Simple, While Keeping Them Informed

• Data Breaches & Security: What New and Different in Today’s Environment?

• Payments System Improvements: What are the Industry's Next Steps?

Sponsored by

Sponsored by

Sponsored by

Sponsored by

Spotlight Speaker SeriesNew this year, the Spotlight Speaker Series focuses on thechallenges and opportunities that will shape the paymentsspace of tomorrow. See page 7 for details.

Invitation-only Events:

AAP RECEPTIONAll Accredited ACH Professionals are invited to this lively reception where they can network with other AAPs and enjoy hors d’oeuvres and cocktails. AAPs only.

CHAIRPERSON’S LEADERSHIP RECEPTIONThe NACHA leadership gathers for this invitation-only event to commemorate another yearof progress in the payments industry. Location to becommunicated via email invitation.

EXECUTIVE FORUMNew this year, C-level executives from financial institutions are offered an exclusive education and networkingopportunity to examine critical topics and engage inphilosophical discussion. Seating is limited for thisinvitation-only experience.

Sponsored by

2014 NACHA PAYMENTSSYSTEM AWARDS LUNCHEON

Making Lemonade: Creating a Competitive Advantage When the Chips Are DownDay: Tuesday, April 8Time: 11:30 a.m. – 1:15 a.m.

Sometimes the best ideas come from left field, when we least expect them, and often under challenging circumstances. These days, we are constantlymoving into uncharted waters. Even the bestplans can unravel in an instant. Our definingmoments happen when life goes off course. In this presentation, Anat Baron explains howmaking lemonade is about the choices you makewhen life takes a turn in an unexpected direc-tion. An innovative leader, Baron has workedwith top tier brands including Four SeasonsHotels, Holiday Inn, KLM, CBS, Warner Bros.and Conde Nast. She was also a Hollywoodexecutive, a management consultant and a successful entrepreneur. She is currently theFounder and CEO of StashWall, a technologystartup that provides one place for curating andorganizing people's information, memories, andbelongings. This disruptive company will belaunching to the public in early 2014.

Anat BaronFounder & CEO, StashWall

KEYNOTE PRESENTATION

Banking on Artificial IntelligenceDay: Monday, April 7 Time: 8:15 a.m. – 9:15 a.m.

Big data tells a story that links customer behav-ior with business opportunities. However, it isonly as good as its speed to insight. In the pay-ments industry, organizations will live and die bytheir ability to translate big data into decisive,actionable insights in the midst of an ever-increasing competitive landscape, regulatoryuncertainty, evolving technology and constantlyshifting consumer behavior. Kris Hammond,CTO of Narrative Science, challenges you to letyour data tell your story, think about the dataanalysis model of today, and explore how youcan leverage artificial intelligence to create business opportunities. Kris explains how thenext step in the evolution of data analysis –Narrative Analytics – is already helping companies better understand their story,improving compliance processes, providing better insight to merchants and customers andgenerating revenue through new products.

Kristian HammondCo-Founder & CTONarrative Science

INDUSTRY AGENDA

Gamifying Financial Services:The Millennials, Gen X & InstitutionsDay: Monday, April 7Time: 2:45 p.m. – 3:45 p.m.

Everything we know about the financial services is about to be turned upside down by the Millennial generation.They’re more concerned with the environment, cost and social impact of everything than ever before, but what they really want is fun and engagement. While we’ve been mining behavioral and econometric data and working hard to improve technology, now we need to consider how to getthe customer of the future off their phones forlong enough to care about finance and the future.The solution: gamification - a powerful newapproach to driving loyalty and engagement thatis changing the financial employee, customer andstrategic landscape with extraordinary speed. Joinauthor and designer Gabe Zichermann for thisfast-paced session that will show you how, whenand why gamification will revolutionize the topand bottom line, and everything in between.

Gabe ZichermannChair, GSummit

General Sessions

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Payment System Priorities: What the Fed Has LearnedDay: Wednesday, April 9Time: 8:30 a.m. – 9:30 a.m.Level: Advanced

Over the past year, the Federal Reserve has engaged in a vigorous industry outreach and research effort to better understand U.S. payments system stakeholder needs, desires andpriorities. Learn the outcomes of primary researchon the demand for faster payments by consumerand corporate end-users and secondary researchon specific gaps and opportunities related to payments safety and security. Find out what theFed has learned so far about what's missing intoday’s payments landscape and what’s needed toachieve the payments system of the future. Hearabout the latest insights on alternatives forimproving the speed of payments and aboutindustry feedback on the Fed’s Payment SystemImprovement – Public Consultation Paper.

Sean J. RodriguezSenior Vice President, FederalReserve Bank of Chicago

Cheryl L. VenableSVP, Retail Payments ProductManager, Federal Reserve Bank ofAtlanta

What’s Next for P2P: Today’s Lessons for the FutureDay: Tuesday, April 8Time: 3:15 p.m. – 4:15 p.m.Level: Advanced

Since forming the clearXchange joint venture,Wells Fargo, Bank of America and J.P. Morganhave gathered customer insights that havetransformed person-to-person (P2P) payments.Branded by each bank, the P2P customer experience has become more seamless, easy and secure. With only an email or mobile number, customers can send and receive money.Participants gain insights into the clearXchangeapproach and how it is moving beyond today’straditional payments mindset to meet highercustomer expectations. Learn how it is positioning its P2P experience to solve customerpain points on the competitive payments playing field.

David GodsmanOnline & Mobile SolutionsExecutive, Bank of America

Michael KennedyCEO & Co-Founder,ClearXChange

Jim ReuterPresident, Support Services,FirstBank


SPOTLIGHT SPEAKER SERIES

Are Bank Innovations MeetingSalient Consumer Needs?Day: Tuesday, April 8Time: 8:00 a.m. – 9:00 a.m.Level: Advanced

In a candid conversation about retail bankinginnovation, this distinguished panel examineschanges in consumer payments habits, theevolution of electronic payments, and thestrategic implications for banks. The discus-sion is based on insights from GCI’s latestresearch survey on consumer financial behav-ior and payment habits. Superior to publicinformation, data include (geographically andseasonally adjusted) timely information onU.S. consumer bill payment methods, economic circumstances, use of credit cards,and banking relationships. The true drivers of changes in payment habits and latesttrends can be derived from this data.

Moderator: David StewartSenior Expert, McKinsey &Company

Sponsored by

The Evolution of the U.S. Payments SystemDay: Monday, April 7Time: 1:15 p.m. - 1:45 p.m. Level: Advanced

The next generation of our U.S. payments system will require new thinking and cooperation that here to fore has not been demonstratedacross the myriad players that make up today’s payments ecosystem. Initiatives introduced over the last couple of years have not achieved gamechanging results due in large part to the silo approach that most playersemploy. Benefiting just one group of the ecosystem or even creating negative impacts to other players will not give us the kind of change thatcan be sustained and is required to address the needs of our joint businessand consumer users. In order for solutions to be successful, they must meetnew criteria: developed through open collaboration with consideration ofthe full ecosystem, must benefit both payers and payees and create no additional burdens for payment system members.

Ather WilliamsGlobal Head of Payments & Strategy, Global Treasury Services,Bank of America

Rethinking Payments InnovationDay: Monday, April 7Time: 1:50 p.m. – 2:20 p.m.Level: Advanced

Financial institutions are constantly concerned with the changing payments landscape and determining how best to face competition. The competition stems from both those within the traditional bank sectorand non-banks infiltrating the marketplace. Financial institution executives are tasked with expanding their offerings to include new ways to advance payments systems and working with their existing clientele andstakeholders to innovate using limited capital, resources in the face of anevolving regulatory environment. Ebru Pakcan, global payments head fromCiti shares her opinion on how her organization should prepare to shape the payments industry.

Ebru PakcanGlobal Payments Head, Citi

Payment System Improvement: Implications for Financial InstitutionsDay: Monday, April 7Time: 4:30 p.m. – 5:30 p.m. Level: Advanced

The questions posed in the Federal Reserve’s Payment System Improve-ment – Public Consultation Paper pointed to key perceived gaps andopportunities in the U.S. payment system, as well as desired outcomes toclose these gaps and capture these opportunities. Responses received from abroad spectrum of stakeholders provide an array of perceptions that supportor challenge this vision, offer potential paths to realize the expressed desti-nation, and highlight the practical realities of getting there. This sessionengages participants in dialogue with a Federal Reserve executive on thesignificance of this vision — and in light of responses received — to finan-cial institutions and the products, services and platforms they support, theinfrastructures in which they have invested, and the business model,macro-economic, and customer/societal considerations.

Marie GoodingFirst Vice President & COO, Federal Reserve Bank of Atlanta

How KeyBank is Using Data to Enhance Customer RelationshipsDay: Tuesday, April 8Time: 10:00 a.m. – 11:00 a.m. Level: Advanced

Big data and analytics have become popular buzzwords in banking, and discussions about these topics frequently focus more on rhetoric than practice. However, at KeyBank, a push to become data-driven over the pastyear has successfully materialized. Data now drives improvements in decision-making as it relates to business development, marketing and risk. Participants in this session gain: an understanding of the key elements thatmade such a drastic transformation a reality; and about executive commit-ment, data centralization and changes in human resources that, beyondreflecting new decision-making processes and relationships with businessleaders, increase their perceived importance in the organization. Anoverview of key lessons that KeyBank learned could help participants drive such change in their own organizations while assessing the quality ofanalytics at various financial institutions. This is especially important asanalytics become crucial for efficient marketing spend and account generation in a changing payments landscape.

David BonalleExecutive Vice President, KeyBank

EXECUTIVE FORUM By Invitation Only

Executive Forum Sponsored by



Exhibit Hall Rates

Card-Based OpportunitiesExplores developments in card-based solutions for payments. Sessions focus on the business paradigm within the card industry from bothbusiness process and payment operations viewpoints.

Corporate Payments SolutionsFeatures information for small and large business professionals who learn about implementing,operating and evaluating financial services solutions.Sessions focus on payment and treasury interests ofcorporate users, and range from analyzing sound businesspractices, metrics, challenges and trends to practicalexperiences and application.

Mobile & Digital PaymentsAddresses innovation across the mobile landscape for the payments industry. Sessions cover mobile payments approaches, emergingtechnological innovations, market analysis and revenue potential.

Payment StrategiesFocuses on the actions and applications shaping today’spayments systems. Sessions are interactive, and engageparticipants in high-level, “blue sky” discussions regardingfuture developments and advances in payments.

Risk, Compliance & Fraud PreventionExamines evolving risks surrounding payment mechanisms, along with the rules and laws governing compliance. Sessions focus oncurrent trends in fraud activity, fraud prevention andrelated laws, rules and regulations.

The ACH Network & the NACHA Operating RulesHighlights core topics related to the ACH Network andthe NACHA Operating Rules and their users includingexisting and emerging applications. Sessions focus oninnovation, operational issues, rules, compliance andenforcement, risk management, fraud prevention, security, authentication and authorization and soundbusiness practices.

World Payments ViewpointAddresses current global payments opportunities andobstacles for corporate and financial institutionprofessionals. Sessions offer insights and perspectives from the U.S. community and stakeholders from around the globe.

Tracks

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Sunday, April 6 ACH 101Time: 1:00 p.m. – 3:00 p.m.Track: Pre-Conference WorkshopsLevel: Fundamental

This workshop provides novices with an introduc-tion to the ACH Network and the NACHA Operating Rules that they can build upon to maximize their educational experience. Participantsgain a foundational knowledge of how the Networkoperates, its key attributes and the roles and responsibilities of those who utilize it.

Debbie Barr, AAP, CTPSenior Director, ACH Network Rules Process,NACHA - The Electronic Payments Association

Gina D. Carter, AAPAVP, Risk Management, EastPay, Inc.

International Payments PrimerTime: 1:00 p.m. – 3:00 p.m.Track: Pre-Conference WorkshopsLevel: Intermediate

New to international payments? This workshopimmerses participants in the world of global payments. Corporate and financial institution practitioners learn key concepts, terms, principlesand regulatory requirements preparing them to support the business needs of their organizations and customers.

Alan S. KoenigsbergManaging Director, Bank of America Merrill Lynch

Jane HennessyGlobal Banking Consultant

The Legal Structure of PaymentsTime: 1:00 p.m. – 3:00 p.m.Track: Pre-Conference WorkshopsLevel: Fundamental

The legal framework of payments is comprised oflaws, regulations and private sector rules that workin concert to define obligations and protect partiesto transactions. This workshop provides participantswith an overview of how this framework appliesacross existing and emerging payment methods.

Richard M. FraherVP & Counsel to the RPO, Federal Reserve Bank ofAtlanta

Jeanette Hait BlancoSenior Product, Regulatory Counsel, PayPal, Inc.

Azba HabibAssociate Counsel, Federal Reserve Bank of Atlanta

Building a Corporate FraudPrevention ToolkitTime: 1:00 p.m. – 3:00 p.m.Track: Pre-Conference WorkshopsLevel: Intermediate

This workshop provides corporate practitioners withspecific tools and practices to identify and preventfraud. Participants gain insight into liability expo-sure, requirements and responsibilities under UCC4A and how to implement security measures internally and externally.

Shirley A. Banks, AAPElectronic Banking Risk Analyst, Canandaigua NationalBank & Trust

Jay McLaughlinSVP, Chief Security Officer, Q2ebanking

Mobile & Digital PaymentsEcosystemTime: 1:00 p.m. – 3:00 p.m.Track: Pre-Conference WorkshopsLevel: Fundamental

Mobile and digital payments offer financial institu-tions, businesses and solution innovators tremendousopportunity to engage, enable and transact with cus-tomers in new ways. As new technologies, risks andplayers are infused into the mix, business models areevolving and customer expectations and behaviorare changing. Related business decisions are becom-ing even more consequential. Participants in thisworkshop delve into the burgeoning mobile and dig-ital payments ecosystem and emerge with a solidunderstanding of the players, approaches and oppor-tunities upon which to learn more.

Stephen MottPrincipal, BetterBuyDesign

Planning for Disaster RecoveryTime: 1:00 p.m. – 3:00 p.m.Track: Pre-Conference WorkshopsLevel: Intermediate

Are you confident in your financial institution'sbusiness continuity plans? The FFIEC Guidance onbusiness continuity focuses on IT, but there is moreto disaster recovery and business continuity thantechnology infrastructure. Participants take away achecklist of items to better prepare for an unplanneddisaster or business interruption.

Michael SpaffordDisaster Recovery, Business Continuity, EPCOR

Gary KindleVP, Operations, Elevations Credit Union

Understanding Payment CardsTime: 1:00 p.m. – 3:00 p.m.Track: Pre-Conference WorkshopsLevel: Fundamental

Participants in this workshop gain a comprehensiveunderstanding of card-based payments. The workshop provides insights from the issuing andacceptance perspectives on types of cards, applications, authorization requirements, and evolving regulatory and technological factors thatimpact business decisions.

Paul TomasofskyPresident, Two Sparrows Consulting, LLC

ACH 201Time: 3:30 p.m. – 5:30 p.m.Track: Pre-Conference WorkshopsLevel: Intermediate

This workshop builds on content addressed in ACH 101. Participants learn complex concepts andexamine nuances of the NACHA Operating Rules asthey apply to payment origination and receipt, riskmanagement, rules compliance and enforcement,and exception processing.

Sean Carter, AAPVP, Risk and Compliance, NEACH

Kimberly W. Rector, AAPSenior Director, Education, MACHA - The Mid-Atlantic Payments Association

Impact of Proposed Prepaid AccessRulesTime: 3:30 p.m. – 5:30 p.m.Track: Pre-Conference WorkshopsLevel: Fundamental

Rules proposed by the (FInCEN seek to combatmoney laundering related to prepaid cards. Partici-pants in this workshop gain an understanding ofwhat FinCEN is proposing and the potential impacton issuing merchants and cardholders.

Moderator: Terry MaherPartner, Baird Holm LLP

Liz NuttingSVP, Strategic Partnerships & Network Relations, BofI Federal Bank

Donald J. MosherPartner, Schulte Roth & Zabel LLP

Workshops, Sessions and Special Events

Bookmark and visit the PAYMENTS

website often to check for updated session

information.



ACH Security Procedures on TrialTime: 3:30 p.m. – 5:30 p.m.Track: Pre-Conference WorkshopsLevel: Intermediate

Using real court cases and other case studies, thisworkshop puts security procedures on trial. Partici-pants learn to analyze agreements, determine howthey align with NACHA's ACH Security Frame-work and how courts of law have defined commer-cially reasonable.

Paul A. CarrubbaPartner, Adams & Reese, LLP

Fred Laing, II, AAP, CCMPresident, Upper Midwest ACH Association

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

ACH Origination: Effective DueDiligence & OnboardingTime: 3:30 p.m. – 5:30 p.m.Track: Pre-Conference WorkshopsLevel: Intermediate

ACH origination offers financial institutions lucra-tive opportunities to grow their business. Along withthose opportunities lie the challenges of knowingyour customer and your customer's customer.Increased scrutiny and evolving threats demand con-stant reevaluation of onboarding of Originators andthird parties. In this workshop, participants explorethe due diligence process and obtain guidance tomake informed decisions.

John M. Curtis, AAP, NCPVP, Director of Education & Communications, WesternPayments Alliance

Melissa C. Blair, AAP, CTPVP, Treasury Management Consultant, Umpqua Bank

Product Innovation in a ChangingWorldTime: 3:30 p.m. – 5:30 p.m.Track: Pre-Conference WorkshopsLevel: Fundamental

How do you creatively rethink product innovationto succeed amidst regulatory, technological and cultural change? Participants in this workshop experience hands-on training to drive product innovation informed by customer perspectives and preferences.

Jeff LautererManager, Product Operations, Digital Insight

Kimberly PrietoGroup Manager, Business Development, Digital Insight

Become Fluent in the Language of IATTime: 3:30 p.m. – 5:30 p.m.Track: Pre-Conference WorkshopsLevel: Fundamental

Does your financial institution fully grasp the intri-cacies of supporting International ACH Transaction(IAT) Entries? Deciphering the NACHA OperatingRules and OFAC regulations is easier than youthink. Participants in this workshop take away an in-depth understanding of the rules related to thereceipt and origination of these ACH transactions.

Priscilla C. Holland, AAP, CCMSenior Director, ACH Network Rules, NACHA –The Electronic Payments Association

Harvesting Big Data for PositiveImpactTime: 3:30 p.m. – 5:30 p.m.Track: Pre-Conference WorkshopsLevel: Intermediate

Many large organizations use big data to drive revenue, provide more personalized interactionswith customers and mitigate fraud. This workshopexplains what big data consists of, how to conductexperiments, starting points for usage and the emerging role of data scientists to succeed.

Speakers to be announced

Monday, April 7Continental BreakfastTime: 7:00 a.m. - 8:00 a.m.

Solution CirclesTime: 7:00 a.m. - 8:00 a.m.

Opening General Session Time: 8:15 a.m. - 9:15 a.m.

See page 6 for details.

Five Steps to Optimizing Payables & Growing Financial Returns Time: 9:30 a.m. – 10:30 a.m.Track: Corporate Payments SolutionsLevel: Intermediate

The benefits of payables automation are clear, yetonly one in five organizations makes the majority ofits B2B payments electronically. Deploying the rightmix of payment methods, each with their own bene-fits, ensures maximum efficiency and financial gains.Learn how to develop a strategy for the best payablesmix for your enterprise in five key steps.

Wayne ZeilerDirector, Financial and Management Reporting, ITG

Miguel RodriguezRegional Director, Paymode-X, Bottomline Technologies,Inc.

Deposit Account Takeover: The Legal LandscapeTime: 9:30 a.m. – 10:30 a.m.Track: Risk, Compliance & Fraud

PreventionLevel: Advanced

Over the past few years, there has been much litiga-tion where businesses sue their financial institutionsto recover losses caused by a hacker's theft of theclient's online credentials, resulting in fraudulentlyoriginated wire transfers and ACH credits. Judicialopinions diverge. Participants in this session hear anexamination of the legal theories, significance ofjudicial outcomes and measures to protect theirinstitutions from litigation.

Mark HargravePartner, Stinson Leonard Street LLP

Barkley ClarkPartner, Stinson Leonard Street LLP

Sponsored by

Sponsored by

Keeping the Financial InstitutionCentral to Consumer PaymentsTime: 9:30 a.m. – 10:30 a.m.Track: Payments StrategiesLevel: Advanced

As emerging providers seek a share of retail pay-ments space, many financial institutions strugglewith how to remain at the top of the consumer'smind for payment services. There are a number ofopportunities on which institutions can capitalize asthey position and promote both existing and new FI-centric money movement solutions. Participants inthis session hear research results surrounding con-sumer perceptions of money movement services andthe financial institution, including the provision ofspecific recommendations that can improve adop-tion, usage and perceived value of such services.

Chris BurfieldProduct Marketing Director, ePayments, FIS

Best Practices in EstablishingAutomated Origination & TrackingTime: 9:30 a.m. – 10:30 a.m.Track: Corporate Payments SolutionsLevel: Intermediate

As corporates increasingly electronify paymentsfrom check to ACH, the importance of accurate,automated origination and tracking is vital toachieving straight-through processing (STP). Partic-ipants in this session learn how STP can be achievedthrough the integration of the proper level and typeof payment tracking information, minimizing man-ual reconcilement of exceptions. Best practices foraligning payment reconcilement are shared, as wellas insight on how ERP systems can provide bestpractices that formalize the payment lifecycle.

David RepkingInformation Reporting Product Manager, J.P. Morgan

U.S. Smart Card Migration: Ready orNot, Here It Comes!Time: 9:30 a.m. – 10:30 a.m.Track: Card-Based OpportunitiesLevel: Advanced

U.S. debit, credit and prepaid cards are migratingfrom magnetic stripe to EMV smart chip technology.What is the impact on merchants, issuing banks and their card-holding customers? Participants hearfrom a diverse group of panelists on card issuanceand adoption rates along with implications for stakeholders.

Moderator: Claudia S. SwendseidSenior Vice President, Federal Reserve Bank ofMinneapolis

Margot CarterSVP, Senior Product Manager, Bank of America MerrillLynch

Rue A. JenkinsAVP, Treasury, Costco Wholesale

Randy GibbonsManager, Payment Strategies, Southwest Airlines

Holistically Managing High-RiskOrigination Time: 9:30 a.m. – 10:30 a.m.Track: Risk, Compliance & Fraud

PreventionLevel: Intermediate

Financial institutions make business decisions tooriginate ACH transactions for clients, and it isincumbent on them to conduct appropriate due dili-gence and related risk management. With whatcould be considered to be high-risk activity, it isimperative that the institution implements a robustand holistic risk management program throughoutthe life cycle that has active involvement and com-mitment across the organization. Participants in thissession learn from the experience of a financial insti-tution that has adopted a holistic approach. Hearwhat constitutes high risk and the types and magni-tude of transactions that give rise to such risks.Understand who needs to be involved and why,what process elements need to be considered, andwhat are potential client showstopper questions.

Moderator: Marcie J. HaitemaSVP, ACH & eCommerce Operations, PNC Bank

Norman HarkleroadSenior Vice President, PNC Bank

Linda HoganVice President, PNC Bank

Serving the Financially Underserved:The Value PropositionTime: 9:30 a.m. – 10:30 a.m.Track: Payments StrategiesLevel: Intermediate

Addressing the needs of the financially underservedholds great potential to benefit such consumers andthe companies serving them. Developing successful,high-quality products depends upon deep consumerknowledge and innovative business models. Partici-pants in this session learn what consumer and indus-try research reveals about the financial behaviorsand preferences of these consumers, as well as thesize and state of the under banked marketplace. Acase study highlights opportunities, challenges andlessons learned by one of the largest banks, and offeran overview of a comprehensive suite of underbanked products.

Eva WolkowitzAnalyst, Insights and Analytics, Center for FinancialServices Innovation

Deborah Matthews Phillips, AAPDirector, Payments Strategies, Jack Henry & Associates

Timothy Thorson, AAP, CTPVP, Manager ACH Operations, Regions FinancialCorporation

Risk Management for MobileRemote Deposit Capture Time: 9:30 a.m. – 10:30 a.m.Track: Mobile Banking & PaymentsLevel: Advanced

Mobile remote deposit capture is rapidly becoming agame changer for financial institutions. However,like with any other payments innovation, it alsoentails certain risks. Participants in this session learnabout the chief areas of concern, applicable rules andregulations, and measures they can take to mitigaterisk and reap the benefits.

Moderator: Kevin Olsen, AAP, NCP, MCSEAVP, Education & IT Manager, EastPay, Inc.

Paul PhillipsAttorney, Adams & Reese, LLP

David BrockPresident & CEO, Community Credit Union

Automating Healthcare Payments:Updates from an Evolving Industry Time: 9:30 a.m. – 10:30 a.m.Track: The ACH Network & the

NACHA Operating RulesLevel: Intermediate

The healthcare industry has experienced a transfor-mation as it transitions to electronic payments andcomplies with the Affordable Care Act (ACA).Against the backdrop of 1.3 billon claims, partici-pants in this session learn about the industry’s reac-tion to the ACA mandates, lingering barriers toadoption and alternative payment methods used bythe healthcare industry. A large healthcare providershares its experiences and how it is collaboratingwith vendors and financial partners to ensure seam-less electronic payments and remittances.

Erin RichterCORE Senior Manager, CAQH

Mona ReamersDirector, Revenue Services, Ortho Northeast

Mobile ACH Payments: A Post-Durbin OpportunityTime: 9:30 a.m. – 10:30 a.m.Track: Payments StrategiesLevel: Advanced

As U.S. financial institutions seek to cultivate newrevenue streams in the post-Durbin world, mobilepayments offer an interesting value proposition.Consumer adoption is growing and merchantenablement is occurring. The ACH Network offersfinancial institutions the opportunity to remain central to these retail payments and cultivate new,unrealized revenue. Participants in this session hearhow financial institutions in the U.S. can apply lessons from abroad to make the ubiquitous and cost-effective ACH system here an even greatersource of value to consumers, merchants and theirown bottom lines in a mobile world.

Lonny ByersManaging Director, Consult Hyperion

Sessions and Special Events



SEPA - The Buzz after Three Months LiveTime: 9:30 a.m. – 10:30 a.m.Track: World Payments ViewpointLevel: Fundamental

Migration to the Single Euro Payments Area(SEPA), which replaces national schemes with anintegrated and harmonized means of exchangingEuro credit transfers and direct debits has been a toppriority in the European Union for the past decade.Three months after the deadline for full implemen-tation in February 2014, participants in this sessionhear about the initial impact, what remains to beaccomplished and the significance of the schematicto financial institutions and their customers.

Michael SteinbachCEO & Chairman, Board of Directors, Equines SE

Etienne GoosseSecretary General, European Payments Council (EPC)

Refreshment Break and Exhibit Hall Grand OpeningTime: 10:30 a.m. – 11:15 a.m.

Education Session in the Exhibit HallTime: 10:35 a.m. – 11:05 a.m.

Adapting Lessons from Retail Payment Security for CommercialClientsTime: 11:15 a.m. – 12:15 p.m.Track: Risk, Compliance & Fraud


Advancements in financial technology typicallymigrate from retail banking to commercial bankingat a slow but steady pace. The continuing threat ofaccount takeover and the potential for substantialassociated losses have revealed that currently reliedupon solutions are ineffective and that improvementis undoubtedly necessary. Participants in this sessionhear strategies that financial institutions can imple-ment to successfully transition different commercialclient segments to modern payment security solu-tions, while controlling costs and maintaining strongcustomer satisfaction.

Alphonse PascualSenior Analyst, Security, Risk & Fraud, Javelin Strategy& Research

Chuck RogersVice President, Greenwich Associates

Developing an Open Standard toProtect Customer AccountInformationTime: 11:15 a.m. – 12:15 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

The payments industry has been working on a newdynamic credentialing solution to improve the safetyand soundness of the emerging digital paymentsecosystem. In this era of cyber attacks and databreaches, financial institutions and merchants wantto ensure sensitive account information is protectedto increase consumer confidence and encouragewidespread adoption of digital payments. Partici-pants in this session hear the vision, key objectivesand progress of the initiative, including the develop-ment of an open standard to enable payments inno-vators to bring secure solutions to market.

David FortneySVP, Product Development & Management, TheClearing House

Meeting Small Business CustomerNeeds with an Integrated BusinessBanking SolutionTime: 11:15 a.m. – 12:15 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

Small business customers represent significant rev-enue generation and cross-sell opportunities to addfuel to grow your financial institution. Targeting thesmall business market with the right set of tools andcapabilities gives financial institutions the ability todifferentiate their message, pursue untapped marketsand grow revenue as small business owners fre-quently turn to their financial institution for finan-cial management needs. Participants in this sessionhear about the benefits of implementing integratedbanking solutions designed to meet the needs of thesmall business market.

John BalosePrincipal Market Manager, ACI Worldwide

Christine BarryResearch Director, Aite Group

Meggin NilssenVP, Treasury Management Sales, Bank of Blue Valley

A B2B Payments Success StoryTime: 11:15 a.m. – 12:15 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

Is migration to electronic business-to-business (B2B)payments on your radar? These payments are rapidlygrowing in the ACH Network and many tools nowexist to assist with conversion. Participants in thissession hear how Cox Enterprises partnered with itsbank and trading partners on a recent conversionand gain valuable insight from their experience thatother companies could adopt to eventually tell theirown success stories.

Alan R. Dupree, AAPRetail Payments Director, Federal Reserve Bank ofAtlanta

John A. FabrizioSVP, Treasury Management Sales Consultant, WellsFargo

Anita S. Patterson, CTPDirector, Treasury Services, Cox Enterprises, Inc.

Monitoring for Abusive ACH DebitPracticesTime: 11:15 a.m. – 12:15 p.m.Track: Risk, Compliance & Fraud


Historically, the focus on monitoring ACH transac-tions has been on the ODFI's debit Originators.However, media and regulatory attention has redi-rected the spotlight to receiving banks and theirobligations to protect customers from unauthorizedor abusive payment practices. Participants in thissession learn how RDFIs can help protect consumerand business account holders by monitoring receiveddebit transactions, identifying trends and takingsteps to minimize abusive practices. Recent andongoing proposals and initiatives to help RDFIsensure the continued, positive reputation of theACH Network are discussed.

Beth Anne HastingsVice President, J.P. Morgan

Alicia Treadway, AAP, CTPFirst Vice President, Treasury & Payment Solutions,SunTrust Bank

Sponsored by

Recent Developments in ElectronicPayments LawTime: 11:15 a.m. – 12:15 p.m.Track: The ACH Network & the


Staying abreast of the numerous and often complexdevelopments in the legal and regulatory frameworksurrounding payments can be daunting and under-standing the implications to an organization’s ACHactivities is crucial. Participants in this session areprovided with a review of significant legal issuesraised by current developments in electronic pay-ments law, including recent amendments to theNACHA Operating Rules.

Jane K. WinnProfessor of Law, University of Washington

Jane E. LarimerEVP, ACH Network Administration, General Counsel,NACHA - The Electronic Payments Association

Mash Up at the POS: Transformingthe Retail ExperienceTime: 11:15 a.m. – 12:15 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

Retailers, advertisers, card networks and terminalmanufacturers are investing heavily in changing thecommerce experience, leveraging mobile technol-ogy, POS innovations, and “big data" based market-ing and loyalty solutions. In this environment,financial institutions, processors and other tradi-tional players need a deep understanding of thechanging environment and coherent strategies tocompete. Participants in this session gain a deeperunderstanding of the changing retail environmentand insights to apply to their respective strategies.

Margaret WeichertPrincipal, Financial Services, Ernst & Young

Supply Chain Fraud NecessitatesAuthentication for EveryoneTime: 11:15 a.m. – 12:15 p.m.Track: Risk, Compliance & Fraud


A new fraud scheme targets business associates offinancial institution customers. A fraudster compro-mises the email account of a vendor and sends alegitimate-looking invoice to a company. The com-pany initiates a payment through a channel thatauthenticates the payer, yet the outgoing payment isnonetheless the result of fraud. These transactions aredifficult to identify as fraudulent until it's too late.Participants in this session learn about the expandingneed for authentication, usefulness of relatively low-tech factors to authenticate payment requests and usecases for implementing these factors.

Devon MarshSVP, Treasury Management & Internet Services Riskand Compliance, Wells Fargo

Benefits of Bank Co-Opetition Time: 11:15 a.m. – 12:15 p.m.Track: Payments StrategiesLevel: Intermediate

Collaboration is imperative in business, but its bene-fits do not stop at the individual level. Participantsin this session gain a pragmatic view, drawn fromreal experience and hard facts, of how financialinstitution collaboration and co-opetition candeliver transformative value for the involved institu-tions and their clients. Hear how two financial insti-tutions created a mutually beneficial business case byworking together in a way that is distinct from sourc-ing solutions from traditional vendors, and how theycontinue to evolve the governance structure toexceed customer expectations.

Bobby CarneyDirector, Citi

Joyce O'ConnorVice President, State Street Corporation, N.A.

Cross-Border P2P: EmbracingChange Time: 11:15 a.m. – 12:15 p.m.Track: World Payments ViewpointLevel: Advanced

Many treasurers find cross-border payments confus-ing, inefficient and expensive, particularly with newregulatory compliance and associated costs. How-ever, these payments carry great opportunity, and thekey lies in innovation and cooperation amongbanks, mature networks and private markets. Learnhow global networks can be leveraged in light ofenhanced regulatory focus on consumer protectionand the critical importance of form factor for cus-tomer experience. Hear a unique perspective on howcross-border payments are being enabled down-stream through correspondent banking relationshipsand corporate credit unions. Attendees are encour-aged to share their experiences with cross-borderpayments.

Jorge JimenezDirector, Retail Payments Office, Federal Reserve Bankof Atlanta

Jon BuddSVP, Business Development, LendingTools.com

Sean Carter, AAPVP, Risk & Compliance, NEACH

Customer Research: Small BusinessOwner Views on Payment OptionsTime: 11:15 a.m. - 12:15 p.m. Track: Payment StrategiesLevel: Intermediate

Understanding how small business clients view elec-tronic payments is critical to successfully engagingthem and influencing their behavior. Get a glimpseinto the minds of small business owners regardingtheir payment practices and how they view newelectronic alternatives in this session. Participantsgain insights from recently conducted in-depth focusgroups on which payment methods small businessowners use and when, emotional ties to paperchecks, the top reasons they would use an eCheckoption, and how they perceive the “anytime, any-where” promise.

Christopher ClausenDirector, North American Payments & TransactionalSolutions, Deluxe Corporation

Networking Lunch in the Exhibit Hall Time: 12:15 p.m. – 1:30 p.m.

Education Session in the Exhibit Hall:The Payments Map: A Profit PoolsModel for the Payments IndustryTime: 12:45 p.m. – 1:15 p.m.Level: Intermediate

Join experts from GCI, McKinsey’s payments intelli-gence group, as they lead a discussion around the lat-est trends in retail payments. This interactive sessionwill draw on GCI's proprietary market research,including the most recent Consumer Financial LifeSurvey and the Payments Map model. Takentogether, they provide an unmatched comprehensiveview of the payments industry, with details on spe-cific consumer payment habits and data on volumes,flows, revenues, and costs across payment types. Par-ticipants will walk away with an understanding ofhow to use the Payments Map to evaluate strategicpayments initiatives, benchmark industry volumesand profitability, understand market potential, andhold candid conversations about retail paymentsinnovation based on the latest industry trends.

Aaron CaraherExpert, McKinsey & Company

Evan Long Senior Analyst, McKinsey & Company




Walking the Fine Line of Innovationin Payments Time: 1:30 p.m. – 2:30 p.m.Track: Payments StrategiesLevel: Intermediate

The payments ecosystem continues to undergo dramatic change. Participants in this session hearhow a solution provider and regional bank view theenvironment as they explore payment innovationsthat have been adopted as well as those on the horizon. Speakers juxtapose the technological possibilities of payment innovation against the operational realities.

Uma Wilson, AAP, CTPSVP, Director of Product Management & Development,UMB Bank, N.A.

John WilsonVice President, Retail & Commercial Payment Solutions,FIS

State Licensing Issues for ACH-Based Payment ProductsTime: 1:30 p.m. – 2:30 p.m.Track: Risk, Compliance & Fraud


Much of payments innovation is driven by collabo-rative relationships between technology providersand financial institutions. The mere involvement ofa financial institution in a product is not sufficient toinsulate technology providers from the impact ofpayments regulation, including state licensing. Caremust be taken in structuring products and relation-ships so that all parties understand where regulatorylines are drawn. Participants in this session are pro-vided with a review of various models for paymentsventures and the implications these models have forregulatory oversight.

David E. TeitelbaumPartner, Sidley Austin LLP

Advancements in Mobile PaymentTechnologies & AuthenticationTime: 1:30 p.m. – 2:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

A myriad of technologies have emerged to supportmobile payments including competing technologiessuch as NFC, QR codes and sound wave. Wide-spread adoption is highly dependent on ease of useby all stakeholders. Further complicating the choiceis the imperative to support dynamic authenticationas data security and fraud protection grow to para-mount importance for online transactions. Multi-factor authentication is endorsed by the FFIECguidelines as best practices for risk mitigation. Yet,usability remains a key factor in determining whichmethod of authentication to implement. Partici-pants in this session learn about the latest develop-ments in technologies supporting mobile paymentsand efforts to promote secure transactions usingdynamic authentication.

Peter TaplingPresident & CEO, Authentify, Inc.

Wade EdwardsSVP, Sales, Mobile Authentication Corporation

Maria ArminioPresident & CEO, Avenue B Consulting, Inc.

Lessons in Disaster Recovery: ACorporate & Financial InstitutionPartnershipTime: 1:30 p.m. – 2:30 p.m.Track: Risk, Compliance & Fraud


Disaster recovery and business resiliency planningare critical to a company’s risk management strategyand require close cooperation and planning betweena business and its financial institution in the area ofpayments. In 2012 alone, there were several naturaldisasters that affected numerous businesses and citi-zens in the U.S. and across the globe. Participants inthis session hear how one organization planned andexecuted against its disaster recovery plan, learninghow the pieces of the plan came together and how itwas designed to ensure resiliency across internal andexternal clients and employees. Participants gain anunderstanding of how planning played out in thesuccessful deployment of two organization's businesscontinuity plans.

Adi RavivEVP & CFO, Strategic Funding Source, Inc.

Colleen J. TaylorEVP, Head of Treasury Management & EnterprisePayments, Capital One

Keeping the Bank Account at theCenter of PaymentsTime: 1:30 p.m. – 2:30 p.m.Track: World Payments ViewpointLevel: Intermediate

Payment methods are evolving and prove challeng-ing to financial institutions. As consumer behaviorchanges, new players enter the payments market,and new technologies arise, the payments industry asa whole is undergoing a dramatic shift. This shiftthreatens the financial institutions account’s hold atthe center of payments. If financial institutions arenot flexible enough to provide the innovative serv-ices that future generations require, bank accountscould lose their relevancy to consumers and busi-nesses. Financial institutions need to understand theimpact that payments convergence, alternativeaccounts, mobile payments, automated accountswitching, and real-time payments have on con-sumer and corporate expectations, and they willneed to leverage these trends to keep the bankaccount central.

Moderator: Samantha CarrierSenior Director, Advanced Payments Solutions,NACHA - The Electronic Payments Association

Casey H. WilcoxSVP, Head of Payables & International ProductManagement, Capital One

Dr. Leo J. LipisManaging Director, Lipis & Lipis GmbH

Mary Ann FrancisExecutive Advisor, Wipro, LTD

Strategic Perspectives on Servingthe Unbanked & UnderbankedTime: 1:30 p.m. – 2:30 p.m.Track: Payments StrategiesLevel: Advanced

There are many theories as to why individuals usefinancial institutions versus pawnshops and paydaylenders. The Office of Community Development ofthe Federal Reserve Bank of St. Louis, in conjunc-tion with the Social System Design Lab at Washing-ton University in St. Louis undertook a study tounderstand what decisions made St. Louis house-holds use or not use financial institutions. Partici-pants in this session hear what the study reveals ofhow financial institutions, community members andalternative financial services providers interact inways that seem rational when considered separately,yet together create unintended consequences.

Moderator: Ann-Marie Bartels, AAPChief Executive Officer, EPCOR

Paul WoodruffVP, Community Development, St. Louis CommunityCredit Union

Yvonne S. SparksCommunity Development Officer, Federal Reserve Bankof St. Louis

Suzanne HoughCommunity Development Officer, Carrollton Bank,Illinois

Beyond EMV: Security ThroughAnalyticsTime: 1:30 p.m. – 2:30 p.m.Track: Card-Based OpportunitiesLevel: Intermediate

By leveraging multiple sources of data includingdeposit activity, card activity and ATM transactions,high profile card issuers can efficiently and accu-rately pinpoint compromised accounts. Participantsin this session learn how new analytics go beyondEMV to reveal a more comprehensive profile of con-sumer activity. The alternative security approachoffers benefits to financial institutions, merchantsand consumers.

Robert HillVP, Market Strategy, Early Warning Services, LLC

Virtual Identity, AnonymousPayments & the Shadow InternetTime: 1:30 p.m. – 2:30 p.m.Track: Risk, Compliance & Fraud


Virtual identity, social media and ubiquitous connec-tivity are reshaping the world and a new paradigm ofperceived anonymity has emerged. This phenome-non is disrupting the financial space globally bychanging relationships and destroying risk modelsthrough the creation of mobile, alternative andoften anonymous, payment systems. While fosteringinnovative and sometimes positive societal change,it can be used by criminal and extremist elements asexemplified by the international dismantling of Lib-erty Reserve. Participants in this session learn howthe good and bad aspects of this new frontier arechanging the payments business, and what it meansto their organizations.

Scott DuewekeSenior Associate, Virtual Identity & AnonymousPayments, Booz Allen Hamilton

Empowering Customers with Billing,Payment & Usage AlertsTime: 1:30 p.m. – 2:30 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

Today’s customers demand actionable information attheir fingertips. When billers empower and informcustomers, they can increase customer loyalty andsatisfaction and low-cost behavior. Participants inthis session learn how to deliver relevant billing,payment and usage alerts to customers using theappropriate form of contact at just the right time.

Phil SpradlinProduct Marketing Manager, ACI Worldwide

April BinghamCustomer Service Manager, Billing, DC Water

2014: The Year to Clean UpConsumer Bill PaymentTime: 1:30 p.m. – 2:30 p.m.Track: The ACH Network & the


Consumer bill payment exceptions (defined as abiller’s inability to properly apply a payment credit toa customer’s account) are bad for customer serviceand they cost the industry nearly $800 million peryear according to a study commissioned byNACHA. Worse, both the volume and the rate ofbill payment exceptions are increasing. The majorityof these exception payments are originated by bank-ing and related third party channels. Over the years,banks and third parties have developed practices tohelp mitigate exceptions. These typically requirebilateral agreements between the originating andbiller parties and are labor intensive. The purpose ofthis session is discuss the goals and status of a newproposal – the Bill Payment Exception (BPE) Con-vention – and the opportunity for implementing astandardized industry approach – leveraging theACH Network – to mitigate bill payment exceptions.

Moderator: Robert Unger, AAPSenior Director, E-Billing & Payments, NACHA - TheElectronic Payments Association

Andy BranchSenior Product Manager, Electronic Payments, CapitalOne

Kathy RomanoExecutive Director, Bill Print, Payment & AROperations, Verizon

Steve Hooper, AAP, CTPSVP, Payment Strategy, iPay Solutions

Smart Approaches to Reach Smart-Enabled CustomerTime: 1:30 p.m. – 2:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

With an average of 3.5 credit cards plus two otheraccounts, and increasingly equipped with smartmobile devices with numerous payment and com-merce apps, consumers are on the go and ready totransact. To get past the noise of the countless emailoffers and mobile alerts, new capabilities supportedby the latest versions of the Apple iPhone andGoogle Nexus enable merchants to couple Blue-tooth Low Energy with geo-targeting to cut throughthe noise and reach truly “mobile” customers withrelevant, real-time deals. Participants in this sessiondiscover how these innovations can be leveraged togenerate sales for their companies.

Matthew A. GoldmanCo-Founder & CEO, Wallaby Financial

Industry AgendaGamifying Financial Services: TheMillennials, Gen X and InstitutionsTime: 2:45 p.m. – 3:45 p.m. Track: General Session

Everything we know about the financial services is about to be turned upside down by the Millennial generation. They’re more concerned with the environment, cost and social impact of everything than ever before, but what they really want is fun and engagement. While we’ve been mining behavioral and econometric data and working hard to improve technology, nowwe need to consider how to get the customer of thefuture off their phones for long enough to care aboutfinance and the future. The solution: gamification -a powerful new approach to driving loyalty andengagement that is changing the financial employee,customer and strategic landscape with extraordinaryspeed. Join author and designer Gabe Zichermannfor this fast-paced session that will show you how,when and why gamification will revolutionize thetop and bottom line, and everything in between.

Gabe ZichermannChair, GSummit

Refreshment Break in the Exhibit HallTime: 3:45p.m. – 4:30p.m.

Education Session in the Exhibit Hall:How to Improve Your Organization’sSocial Media Profile Time: 3:50 p.m. – 4:20 p.m. Level: Intermediate

Companies are turning to Twitter, Facebook,LinkedIn and other social marketing platforms tooffer deals, promote products and services, and reachout to customers old and new. But, in the fast-mov-ing internet world can these platforms continue toserve over the long haul, and what will be the nextplatform? Participants in this session hear directlyfrom a Social Media Strategist on how the next generation of social media can help foster yourorganizations profile.


Sponsored by



Tips for Cutting Edge ePayments &eRemittance SolutionsTime: 4:30 p.m. – 5:30 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

Businesses that rely on checks are pleasantly sur-prised to learn how easy and beneficial it is to switchto electronic payments and remittance alternatives.Participants in this session hear firsthand from cor-porate practitioners about decisions that improvedaccounts payable systems, streamlined customerremittances, sped up incoming receipts and resultedin innovative disbursement practices. Case studiesoutline the actions businesses took and highlight thelessons they learned, while talking about cost andother benefits they realized. Efforts by the all-volunteer, grassroots Remittance Coalition to overcome barriers and educate B2B trading partnersare discussed.

Moderator: Claudia S. SwendseidSenior Vice President, Federal Reserve Bank ofMinneapolis

Sandra RothManager, Trade Financial Management, Johnson &Johnson

Carole M. HuntAssistant Treasurer, Director, Ameren Services Center,Ameren Corporation

Leveraging the ACH Network forP2P PaymentsTime: 4:30 p.m. – 5:30 p.m.Track: The ACH Network & the


Person-to-person (P2P) payments offer financialinstitutions solutions that leverage the ACH Network, while expanding the portfolio of servicesthey offer clients. Participants in this session learnthe benefits of offering P2P services, how to mitigaterisk management and security challenges and theWEB credit for ACH P2P payments rule.

Moderator: Kathy Levin, AAPSenior Director, Advanced Payment Solutions,NACHA - The Electronic Payments Association

Terri P. Sands, AAPSVP, Payments Oversight & Fraud Management, StateBank & Trust Company

Louise C. ClynesGroup VP, Money Movement Products & DigitalChannel Management, SunTrust Bank

Mobile Bill Payment & Presentment(MBPP) Insights for BillersTime: 4:30 p.m. – 5:30 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

Adoption of mobile bill payment doubled last yearand yet only one-third of company's surveyed reporthaving a mobile bill pay strategy. Many billers viewmobile as an enabler of customer self-service,eBilling and bill payment via ACH. With this rapidgrowth in mobile transactions and dynamic techno-logical changes, it requires companies in all indus-tries to understand what consumers want and whatleading firms are providing today and tomorrow. Participants in this session benefit from a discussionof the comprehensive findings from the SecondAnnual Mobile Bill Pay Benchmark Study and the Sixth Annual Consumer Household Survey,which feature key observations on consumer adoption and actionable insights for biller strategiesand deployment.

Edward BachelderDirector, Research, Blueflame Consulting, LLC

Eric LeisersonSenior Research Analyst, Fiserv

Leveraging Mobile to Bring FinancialServices to the UnderbankedTime: 4:30 p.m. – 5:30 p.m.Track: Payments StrategiesLevel: Intermediate

Nearly one-third of the American population relieson alternative financial services for check cashing,payday loans, money transfers and similar products.The impact on the consumer has been higher fees,limited access to funds and credit, all of which con-tribute to persistent poverty levels. Participants inthis session learn how one credit union is usingmobile banking and mobile deposit capabilities toprovide access to high-quality financial products andservices to underserved consumers and how mobiletechnology is combatting poverty.

Moderator: Andrew TilburyChief Marketing Officer, Bluepoint Solutions

Richard CampbellChief Financial Officer, HOPE Credit Union

Scot SlayVice President, Marketing and CommunicationsDirector, HOPE Credit Union

Data Monetization in the PaymentsIndustryTime: 4:30 p.m. – 5:30 p.m.Track: Payments StrategiesLevel: Intermediate

The payments industry continues to be ripe for disruptive innovation. The ability to monetize datamay be one of the major disruptors going forwardand those who fail to capitalize on this opportunitymay soon be at a disadvantage. Participants in thissession learn about opportunities and challenges forvarious parties holding data, key drivers for success,critical considerations and the potential for monetiz-ing data into discreet revenue streams.

George WarfelDirector, PwC (PricewaterhouseCoopers LLP)

Dimpsy TeckchandaniDirector, PwC (PricewaterhouseCoopers LLP)

The Gatekeeper ParadigmTime: 4:30 p.m. – 5:30 p.m.Track: Risk, Compliance & Fraud


The payments system in the U.S. relies upon finan-cial institutions to serve as gatekeepers. Regulationsand payment system rules require financial institu-tions to know their customers and third parties andwarrant that the payments they introduce areauthorized. Is this paradigm working? After somelevel setting of the current legal and regulatoryregime that is designed to prevent misuse of the pay-ment system, participants in this session hear pan-elists discuss recent media events, regulatory actionsand legislative proposals that suggest the gatekeeperparadigm may not be sufficient. Panelists share theirviews on whether the gatekeeper paradigm needs tobe changed, and if so, how and what the businessand policy implications of such changes would be.

Moderator: Alaina GimbertSVP & Associate General Counsel, The Clearing House

Richard W. Burke, Jr., CCMEVP, Corporate Products & Services, TD Bank, N.A.

Karen HobbsAttorney, Federal Trade Commission

Joe W. HusseyExecutive Director, J.P. Morgan

Paul K. HolbrookAssociate General Counsel, HSBC Bank USA, N.A.

Increasing Customer Engagement inAuthenticationTime: 4:30 p.m. – 5:30 p.m.Track: Card-Based OpportunitiesLevel: Intermediate

Customers’ desires have changed in terms of safetywhen using bank-issued credit or debit cards in virtual channels. Participants in this session explorehow issuers can leverage rewards programs to engagecustomers in authentication in the post-EMV world.

Michael A. Keresman IIIChief Executive Officer, CardinalCommerceCorporation

Janet L. KapostasyVP, Financial Institution Services, CardinalCommerceCorporation

The Case for Debit Card RemittanceTime: 4:30 p.m. – 5:30 p.m.Track: Card-Based OpportunitiesLevel: Intermediate

The Durbin Amendment has fundamentallychanged the revenue model on interchange forfinancial institutions, but has also brought aboutopportunities to enhance customer payment chan-nels and capabilities for billers. Consumers do notusually have their routing and account numbershandy when setting up a bill payment and areincreasingly frustrated when billers cannot accepttheir “account number” on their debit card. Participants in this session hear the case for accepting debit card remittance in the new Durbinworld — the hurdles, key assumptions and ultimateoutcomes for adding it as a payment option across allcustomersegments.

Brandee BevanDirector, Card Payment Services Intent, Capital One

Ryan CopeExpert, McKinsey & Company

Brett DickeyCard Payment Analysis and Services, Capital One

The Apps Have It: Accelerating CashFlow for Small BusinessTime: 4:30 p.m. – 5:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

Getting paid and making payments keep small businesses going. Financial institutions that canmake the process easier can keep payments revenuefrom small businesses in-house and out of the pockets of non-bank competitors. Participants inthis session hear what research tells us about howsmall businesses want to interact with financial institutions and the tools and channels they arelikely to use now and into the future. Learn how to keep payments bank-centric while speeding upsettlement, leveraging loyalty programs and managing receivables and payables from anywhere,at any time.

Vicki O'ConnorVP, Product Management Business Services, Fiserv

David KeenanGeneral Manager, ACCEL/Exchange Network, Fiserv

Brian CollinsSVP, eBanking & Payments Services Director, EnterpriseBank

Corporate Priorities for PaymentsTime: 4:30 p.m. – 5:30 p.m.Track: Corporate Payment SolutionsLevel: Intermediate

Financial institutions and other payment serviceproviders need to understand what their customerswant. Participants in this session hear panelists delveinto the top priority issues to provide insights forimproving existing services and identifying poten-tially new services of value to corporates. Learn whatthe results of recent surveys and other activities indicate about payment priorities from the corporateperspective. Gain deeper understanding as corporatepractitioners share personal experiences with current treasury and related initiatives within theircompanies, and offer additional insights into howcorporates prioritize their own time in managing the bank and vendor.

Moderator: Chrystal PozinPrincipal, Treasury Strategies, Inc.

Anita S. Patterson, CTPDirector, Treasury Services, Cox Enterprises, Inc.

Daniel W. Ellecamp, AAP, CTPTreasury Consultant, AAA NCNU

Rue A. JenkinsAVP, Treasury, Costco Wholesale

The Changing Face of Cross BorderPaymentsTime: 4:30 p.m. – 5:30 p.m.Track: World Payments ViewpointLevel: Intermediate

The traditional world of cross-border payments israpidly evolving as regulatory change affects thelandscape in various countries, regions and economic blocks and more consistent best practicesare adopted globally. Participants in this sessionlearn about the dynamics in cross-border paymentstoday and their significance to financial institutionsand their customers in our increasingly inter-connected world.

Kunal BistCross Border Payments Product Manager, NorthAmerica, Citi Transaction Services

Monday Night CelebrationTime: 6:30 p.m. – 8:30 p.m.

Get ready for one of the most anticipated events of the conference—a fun-filled extravaganza that fills four different clubs and takes over the streets of UniversalCityWalk® at Universal Orlando® Resort. Take atrip to New Orleans at Pat O’Brien’s® or explore thehome of the king of reggae at Bob Marley–A Tributeto FreedomSM. Enjoy three themed rooms and a hugedance floor at the grooveSM and take the stage atCityWalk’s Rising Star(hosted by EastPay). It’s anentire evening of fun, foodand celebration. This eventis open to all conferenceattendees. Be there!

Pat O’Brien’s, Hurricane Glass logo, Have Fun! and Iron Grill Design® Pat O’Brien’s Bar, Inc. © 2014 Pat O’Brien’s Bar, Inc. All rightsreserved. Universal elements and all related indicia TM & © 2014Universal Studios. All rights reserved.


Co-Sponsored by



Tuesday, April 8Continental BreakfastTime: 7:30 a.m. – 8:00 a.m.

Are Bank Innovations MeetingSalient Consumer Needs? Time: 8:00 a.m. – 9:00 a.m.Track: Spotlight Speaker SeriesLevel: Advanced

n a candid conversation about retail banking innovation, this distinguished panel examineschanges in consumer payments habits, the evolutionof electronic payments, and the strategic implica-tions for banks. The discussion is based on insightsfrom GCI’s latest research survey on consumerfinancial behavior and payment habits. Superior topublic information, data include (geographically andseasonally adjusted) timely information on U.S. consumer bill payment methods, economic circumstances, use of credit cards, and banking relationships. The true drivers of changes in payment habits and latest trends can be derived from this data.

Moderator: David Stewart,Senior Expert, McKinsey & Company

Adoption of ISO 20022 Standards inthe Global Payments Markets: Whatis the U.S. Doing?Time: 8:00 a.m – 9:00 a.m.Track: The ACH Network & the

NACHA Operating RulesLevel: Advanced

Key global markets are implementing ISO 20022messaging standards in their payments market infra-structures. The U.S. has taken initial steps in usingISO 20022 — e.g., the NACHA InternationalACH Transaction (IAT) format and theFedwire/CHIPS Extended Remittance Informationfields. In 2013, the Federal Reserve Banks, TCH,NACHA and ASC X9 funded a business case analy-sis to assess the potential adoption of ISO 20022.Hear the conclusions of this assessment and provideyour own view on the roadmap the U.S. communityshould develop when considering adoption of ISO 20022 message formats in the payments market.

Roy C. DeCicco, CCMManaging Director, J.P. Morgan

Richard DzinaSenior Vice President, Federal Reserve Bank of NewYork

Russ WaterhouseEVP, Product Development & Strategy, The ClearingHouse

Cruising Toward Payroll Efficiencywith Payroll CardsTime: 8:00 a.m. – 9:00 a.m.Track: Corporate Payments SolutionsLevel: Intermediate

Managing payroll for organizations with globally dispersed employees can be a tremendous challenge,particularly when requirements such as limitedaccess to bank accounts or maintaining compliancewith local regulations complicate matters. Partici-pants in this session gain insight and best practicesfrom Carnival Corporation’s experience in imple-menting a customized payroll card program in orderto pay its employees around the world. Learn howpayroll cards can be used to mitigate risk and provideconvenient access to funds with streamlined payments that meet regional compliance mandatesfor employee payments.

Joe W. HusseyExecutive Director, J.P. Morgan

Lourdes SuarezSenior Director & Assistant Treasurer, Carnival

Case Study: Automating Renewalsof ACH Origination Agreements Time: 8:00 a.m. – 9:00 a.m.Track: The ACH Network & the


Automating renewals of ACH origination agreements not only expedites the process significantly, it can result in an enhanced customerexperience, error reduction and better internal andexternal audit reports. Participants in this sessionlearn from the experience of a financial institutionthat has automated agreement renewals and is suc-cessfully meeting due diligence requirements toensure that Originators and Third-Party Senders areable to fulfill their obligations in compliance withthe NACHA Operating Rules. Gain an understand-ing of the operational challenges of completing thedue diligence process, the steps taken and the lessonslearned in automating the ACH service renewal andthe new customer setup process.

Joseph Casali, AAP, NCPVice President, NEACH

Ravi VakacherlaFirst Vice President, Treasury Management and DigitalChannels, People's United Bank

Enterprise Risk Management inToday’s Global Business LandscapeTime: 8:00 a.m. – 9:00 a.m.Track: Risk, Compliance & Fraud


In today’s world, global-level risk assessment is aconcern for all major organizations – especially thoseinvolved in any form of money movement. A riskprofile that serves as the framework for how key crit-ical risks are identified and managed is critical. Par-ticipants in this session receive a holistic view of anenterprise risk management model and frameworkfor global money movement and compliance;encompassing the development process to the identification of risks from operational, legal andcompliance, information technology, strategy andfinancial and reporting perspectives.

Kristin S. Walle, AAP, CTPVP, Global Money Movement & Compliance, ADP,Inc.

Whatever You Do, Wherever YouGo, Somebody is Watching YouTime: 8:00 a.m. – 9:00 a.m.Track: Mobile Banking & PaymentsLevel: Advanced

Security for mobile retail payment models that useNFC, cloud, barcode and hybrid technologies is perhaps the least understood area of security amongparties in the value chain. Examining the transac-tion lifecycle end-to-end offers a holistic way tounderstand the security concerns and measures oneshould consider. Participants in this session gaininsight into the role that all of the parties play in thetransaction as they are lead through various use casesto understand the threats and vulnerabilitiesthroughout the transaction lifecycle, the probabilityof these vulnerabilities and potential mitigations.

Moderator: Susan M. Pandy, Ph.D.Director, Payment Strategies, Federal Reserve Bank ofBoston

Javed ChaundryDirector, Global Mobile Payments, Citigroup

Sébastien TaveauChief Evangelist, Synaptics, Inc.

The Intersection Between PaymentRisk Management & BSA/AMLComplianceTime: 8:00 a.m. – 9:00 a.m.Track: Risk, Compliance & Fraud


In many financial institutions, payment risk management and BSA/AML compliance responsi-bilities are located in different departments. Some ofthese responsibilities, such as KYC and reportingfraudulent transactions are often very similar. Recentactions taken by the OCC and the FDIC highlightwhy financial institutions need to integrate paymentrisk management and BSA/AML compliance functions. Participants learn how to best coordinatethese activities to reduce the risk of litigation andfinancial penalties.

Moderator: Elliott C. McEnteePresident & CEO, Payment Advisory Service

BJ LewisVP, Product Development, Laru Technologies

Diane BlangstedSVP, BSA & Senior Compliance Officer, IndependentBankers Bank of Florida

Same Day ACH: Lessons &Perspectives from OtherGeographiesTime: 8:00 a.m. – 9:00 a.m.Track: The ACH Network & the


Same-Day ACH continues to be debated amongstindustry players in the U.S. as a must-have capabil-ity. As work continues here to make it a reality,experiences from payment systems in other geogra-phies offer lessons that could well serve the U.S.mindset. Participants in this session learn how andwhy other geographies addressed the underlyingneed, the hard decisions that were made, the impacton financial institutions and the national system,and perspectives of financial institution customers.Participants also hear reflections on what being apotentially distant follower means competitively forthe U.S. in the global payments arena.

Rene PelegeroPresident & Managing Director, RPGC Group LLC

Case Study: Bringing PaymentProcessing Technology Full Circle Time: 8:00 a.m. – 9:00 a.m.Track: Payments StrategiesLevel: Intermediate

Managing multiple platforms to process differentpayment types can be challenging and costly. Common obstacles include fraud complexity, riskand compliance management, data storage redun-dancy, and cumbersome employee and customertraining. In this session, attendees hear how a financial institution transcended siloes to enable the processing of all payment types through a singlepayments hub, and how this afforded it redundancyelimination, improved customer service, and a moreefficient use of resources and expertise.

Debbie Smart, CTP, NCPSVP, Product Management, Aptys Solutions

Rose DavisSenior Vice President, Bankers' Bank

Refreshment Break in the Exhibit HallTime: 9:00 a.m. - 10:00 a.m.

Time: 9:00 a.m. - 10:00 a.m.

Visit the PAYMENTS 3D Theater to be introducedto the forward thinking, out-of-the-box disrupterswho are changing our world. PAYMENTS 3D offersa glimpse into the next wave of payments innova-tions and challenges. See demos, ask questions, andtalk directly to these trailblazers.

Pay & Play: When Virtual CurrenciesGet RealTime: 10:00 a.m. – 11:15 a.m.Track: Mobile Banking & PaymentsLevel: Intermediate

What would you do with a new currency? Whatwould you buy? Participants in this interactive and“gamified” session experience mobile virtual cur-rency first hand. Learn how virtual and digital cur-rency, credits, gifts, coupons, rewards, miles andother forms of value are being used in a marketworth an estimated $48 billion in 2012, and who isdefining the market. Hear what is driving growth,the significance of digital content, and the implica-tions for privacy and business models. Discover howyour company can leverage virtual currency for revenue growth, loyalty and acquisition.

Babs RyanDirector, PwC (PricewaterhouseCoopers LLP)

Next Steps in Active DefenseAgainst Cyber AttacksTime: 10:00 a.m. – 11:15 a.m.Track: Risk, Compliance & Fraud


Financial institutions and financial services industryorganizations continue to adapt the securityapproaches they take in an environment of ever-changing threats. FS-ISAC and NACHA havecooperated with Microsoft and others in the take-down of botnets that have attacked the financialservices industry. Participants in this session learn ofoptions they can take, augmented by discussions ofspecific techniques and examples, to employ activedefense measures that go beyond, just defendingtheir perimeters.

William B. Nelson, AAP, CCMPresident & CEO, FS-ISAC

Charles BretzDirector, Payment Risk, FS-ISAC

Payments Going Global: Insights intoa Changing LandscapeTime: 10:00 a.m. – 11:15 a.m.Track: World Payments ViewpointLevel: Advanced

Changing global payment standards are impactingcorporates around the world. Three industry innova-tors review global systems and how new paymentstandards influence innovation. Discussion topicsinclude BitCoin, XML, SEPA, Global ACH andtheir rapid integration and dependence upon worldeconomies. The growth of capabilities enabled byThird-Party Providers, such as PayPal and Square,along with banks, underscores the need to simplify acomplex and changing set of challenges, whichinclude faster settlement time, return item chal-lenges, unlimited right of reversal, and F/X. Partici-pants gain insight into options for executingpayments in the global economy, making themfaster, better and cheaper.

Lisa HraboskyGlobal Core Payments, PayPal, Inc.

Rene PelegeroPresident & Managing Director, RPGC Group LLC

Steven E. BernsteinExecutive Director, ACH/Global ACHMarketing/Product, J.P. Morgan




The Road to eReceivables: FromOutsourced Lockbox to ElectronicPaymentsTime: 10:00 a.m. – 11:15 a.m.Track: Corporate Payments SolutionsLevel: Intermediate

TF Cornerstone has made a bold move of bringingits lockbox in-house. Promoting its EBPP offering toincrease check processing efficiency and hasachieved a 50 percent adoption rate. Participants inthis session learn from the speakers' experience ofimplementing a streamlined strategy that success-fully pushes EBPP adoption, reduces costs andincreases benefits for companies, their customers and financial institutions.

Andrew GersteinSenior Vice President, Treasurer, TF Cornerstone

Laurette DelGuercioChief Marketing Officer, Transactis, Inc.

Laurie OlsonProduct Manager, Wells Fargo

The Disruptors: Challenging TheBanking Status QuoTime: 10:00 a.m. – 11:15 a.m.Track: Payments StrategiesLevel: Intermediate

Financial institutions have more competition nowthan ever before as viable alternatives continue toemerge. New payments and non-bank players arebuilding on top of financial institutions' investmentsand are threatening to further disrupt the relation-ships financial institutions have with their customersor members. Participants in this session obtain adetailed picture of the disruptors in banking and pay-ments and the impact new entrants are having andhear why disruptive innovations are necessary andcritical to advancing the digital banking status quo.

Jacob JegherSenior Analyst, Celent, LLC

Yaron SamidChief Executive Officer, BillGuard

Legal & Regulatory Environment for EPOTime: 10:00 a.m. – 11:15 a.m.Track: Risk, Compliance & Fraud


A critical component of the ongoing industry debateof the potential role of the EPO in the paymentsecosystem is anchored in the lack of legal and regu-latory clarity. The existing framework of rules, lawsand regulation that govern checks do not take intoaccount the EPO and the applicability of the Elec-tronic Funds Transfer ACT (EFTA) and RegulationE are uncertain. Participants in this session are pro-vided with an examination of the legal and regula-tory environment for the EPO, gaps and concerns inthe current framework and prospects for changeincluding legal workarounds.

Moderator: Richard M. FraherVP & Counsel to the RPO, Federal Reserve Bank ofAtlanta

Stephanie MartinAssociate General Counsel, Federal Reserve Board ofGovernors

Duncan DouglassPartner, Alston & Bird LLP

Thomas A. FoxPartner, Schwartz & Ballen LLP

Building the 3D Global ACH PuzzleTime: 10:00 a.m. – 11:15 a.m.Track: World Payments ViewpointLevel: Intermediate

As the payments landscape changes and becomesmore global, companies and individuals expect eas-ier, lower-cost and traceable ways to make paymentsacross the globe. Participants in this session learnhow assembling multidimensional pieces can helpovercome challenges and obstacles to achieve globalACH success. Processing models, evolving tech-nologies and new entrants to the market that createwinning opportunities are examined.

Nancy Atkinson, CCMSenior Analyst, Aite Group

Paula J. RoweVP, Senior Product Manager, PNC Bank

Rossana F. Salaris, AAPDirector, Payment Strategy, Dovetail

Clarifying Third Party Roles &ResponsibilitiesTime: 10:00 a.m. – 11:15 a.m.Track: The ACH Network & the


New business opportunities in the ACH Networkhave led to expanded Third-Party Service Providerand Third-Party Sender roles. Today, third partiesare performing roles in ACH processing that werenot contemplated at the time they were firstaddressed in the NACHA Operating Rules, and thereis sometimes a blurring of roles between third partiesand Originators. For example, an entity can be aThird-Party Sender for one set of transactions andan Originator for another set of transactions. Participants in this session learn more about theroles and responsibilities of third parties in ACHtransactions so that all participants have a commonunderstanding of their respective obligations.

Moderator: Pamela T. Rodriguez, AAP, CIA,CISAExecutive Vice President, EastPay, Inc.

Amy Leslie, AAPVP, Senior ACH Product Manager, J.P. Morgan

Suzanne RodmanSVP & Director of Operations, CNLBank

Double Vision: Legal & OperationalIssues Regarding DuplicatePresentment Time: 10:00 a.m. – 11:15 a.m.Track: Risk, Compliance & Fraud


Duplicate presentment of check items can comefrom a variety of channels and sources and preven-tion of duplicate items, and appropriate strategies foraddressing duplicate presentment, are driven by thelegal framework including the Check 21 warrantyagainst duplicate presentment. Learn how duplicatepresentment can arise and what recourse is availableif a duplicate item is paid. Hear suggestions for pre-vention and detection and thoughts about how tominimize risk to your financial institution.

Erin FonteShareholder, Cox Smith Matthews Incorporated

Angie Smith, AAP, NCPVP, Professional Development Events, WesternPayments Alliance

Check Up for ACH HealthcareClaim PaymentsTime: 10:00 a.m. – 11:15 a.m.Track: Payments StrategiesLevel: Intermediate

Provisions of the NACHA Operating Rules to support healthcare payments encourage the use ofthe ACH Network for healthcare claim paymentswith a goal to drive down costs. Is the rule accom-plishing this objective? Participants in this sessionlearn from a healthcare provider and a financialinstitution that overcame barriers and the lessonsthey learned as they made the decision to supportACH healthcare claim payments

Kamlesh K. JaniProject Manager, Quest Diagnostics, Inc.

Judey L. Thessen, CTPSenior ACH Product Manager, Bank of America MerrillLynch

Payments Collection Success Story:A Win/Win PropositionTime: 10:00 a.m. – 11:15 a.m.Track: Corporate Payments SolutionsLevel: Intermediate

Like their private sector counterparts, governmentalentities seek to solve business problems and realizetangible benefits by adopting electronic collectionssolutions. Participants in this session hear how John-son County, Kansas implemented a payments collec-tion solution to increase efficiency, enhance thecustomer service experience and provide con-sumers/taxpayers with payments options. Consumer-facing organizations of various types can adopt andapply lessons and insights from this experience.

Greg BaldwinDeputy Treasurer, Johnson County, Kansas

Uma Wilson, AAP, CTPSVP, Director of Product Management & Development,UMB Bank, N.A.

2014 NACHA Payments System Awards LuncheonTime: 11:30 a.m. – 1:15 p.m.

See page 6 for details.

Account Validation: A Vision for aBrighter TomorrowTime: 1:30 p.m. – 2:30 p.m.Track: The ACH Network & the


Originators, ODFIs and RDFIs have a staked interestin ensuring that accurate DDA information is usedfor ACH payments. However, Originators andODFIs rely heavily on data provided by consumerswhile RDFIs are limited in their ability to determinevalid requests. In some cases the account informa-tion provided is inaccurate, incomplete or may befraudulent. This results negatively on ACH Networkquality and risk management. Participants in thissession gain an understanding of the benefits andchallenges associated with current account valida-tion methodology and hear Network stakeholdersdiscuss a vision for a brighter tomorrow filled withmore efficient, cost-effective and timely options forvalidating consumer DDA information.

Timothy Mills, AAPVice President, Executive Director, The Clearing House

Kevin ClapperAVP, Group Manager, Banking Services, T. Rowe PriceAssociates, Inc.

Jennifer L. Zatkos, AAPVice President, M&T Bank

Paying to Win: Sound BusinessPractices in Electronic PaymentsTime: 1:30 p.m. – 2:30 p.m.Track: Corporate Payments SolutionsLevel: Advanced

Companies are increasingly turning to electronicpayments to increase efficiency. However, inappro-priate program setup may negatively impactaccounts payable and receivables processing andundercut desired outcome. In this session, partici-pants learn how to maximize efficiency gains andrealize intended results in their companies frominsights on proprietary research and best practices.

Laura J. Listwan, AAP, CTPSenior Vice President, U.S. Bank

Mobile Wallets: Why It's CriticalBanks Control Their Own DestiniesTime: 1:30 p.m. – 2:30 p.m.Track: Payments StrategiesLevel: Intermediate

The importance of financial institutions controllingtheir own customer experience as it relates to thewallet cannot be ignored. Mitigating the effects ofdisintermediation is critical to build loyalty andmaintain relationships with customers. Participantsin this session hear what’s at stake in this space, whyand how financial institutions should be takingaction if they are not already doing so, and insightsto inform their own strategies.

Tom PooleManaging VP, Mobile Commerce & Payments, CapitalOne

How Consumers Use MobileFinancial Services & Why It MattersTime: 1:30 p.m. – 2:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

Taking the time to put a face on potential users ofmobile financial services can lead to more useful andusable products. Understanding the various types ofconsumers and how they access and use financialservices is critical to a successful strategy. Partici-pants in this session gain insights into the productattributes needed to better serve customer segmentsin a multi-channel, multi-device world, in whichconsumers shift from channel to channel and deviceto device.

Steve ShawVP, Strategic Marketing, Fiserv

James WesterResearch Director, Global Payments, Financial Insights,an IDC Company


Sponsored by



Playing in the InternationalPayments SpaceTime: 1:30 p.m. – 2:30 p.m.Track: World Payments ViewpointLevel: Advanced

Rapid globalization and the shift from paper to electronic payments are factors driving increaseddemand for global payments, which has concurrentlycreated more international standards and regula-tions. The rising demand provides opportunities aswell as challenges for organizations that participatein the international payments arena. Participants inthis session gain insight into global payments trendsbased on research and statistics gathered by theWorld Bank, as well as the motivators and experi-ences of a financial institution and a money serviceprovider transacting international payments.

Moderator: Nell Campbell-Drake, AAPVice President, Federal Reserve Bank of Atlanta

Massimo CirasinoHead, Payment Systems Development Group, TheWorld Bank

Timothy Schmidt, AAPVP, Electronic Payments, U.S. Bank

Paul DwyerChief Executive Officer, Viamericas Corp.

Driving ACH Adoption in SmallBusinessesTime: 1:30 p.m. – 2:30 p.m.Track: The ACH Network & the


Small businesses represent a ripe and under-tappedgrowth area for financial institutions. Still heavilyreliant on checks and acting like consumers in manycases, small businesses are a critical target to growACH origination business lines and other financialservices. Participants in this session hear the findingsof recent studies benchmarking ACH use amongsmall businesses as well as strategies to increase useof ACH in this important, but largely underservedcustomer segment.

Moderator: BC KrishnaPresident & CEO, MineralTree, Inc.

Claudia S. SwendseidSenior Vice President, Federal Reserve Bank ofMinneapolis

Jane E. LarimerEVP, ACH Network Administration, General Counsel,NACHA - The Electronic Payments Association

Confirming Identity Through aMultidimensional PrismTime: 1:30 p.m. – 2:30 p.m.Track: Risk, Compliance & Fraud


Accurately verifying identities is one of the biggestchallenges facing the financial services industry.With faceless virtual transactions now the norm,that challenge will only intensify. Innovativeapproaches that leverage multiple data sources offerfinancial institutions new capabilities to incorporateinto their risk management arsenals. Participants inthis session learn how one major institution isexploring a solution that quickly cross-referencesgovernment identity data, telecommunication location files and checking account data to create athree-dimensional resource that can accurately confirm a customer's identity, their location and how they transact.

Dan CoveyVP, Operational Risk, Wells Fargo

Cory DavisVP, Corporate Development, Early Warning Services,LLC

Consumer Regulatory Impact onYour Commercial Business Time: 1:30 p.m. – 2:30 p.m.Track: Payments StrategiesLevel: Intermediate

Numerous consumer regulations affect the paymentsindustry, but little attention is paid to their impacton the commercial payments area. Participants inthis session hear from experts versed in consumerand corporate payments as they explore strategies fordealing with the commercial payments implicationsof ADA, Regulation E and Remittance TransferRule compliance, as well as regulation relating topayroll cards, merchant processing and record retention.

Casey H. WilcoxSVP, Head of Payables & International ProductManagement, Capital One

Scott FryzelPartner, Chapman and Cutler LLP

Future of B2B PaymentsTime: 1:30 p.m. – 2:30 p.m.Track: Corporate Payments SolutionsLevel: Advanced

Automating business-to-business (B2B) paymentsremains elusive. Though small businesses make upmore than 50 percent of trading partners, checks arestill used to make large dollar payments. The visionfor straight-through processing of both the data andthe payment among business partners has been clear.This session tracks progress, explores remainingpotential obstacles, and offers ideas for creating aprocess that is efficient and effective for both payersand payees. Participants hear from industry leadersabout perspectives on approaches that are leadingthe way for such interoperability and adoption, andmarket forces that are shaping how corporates sendand receive payments.

Glenn Fromer, CPADirector of Development, Treasury Software Corporation

Flint A. LaneChief Executive Officer, Billtrust

Mary Zerjav, AAP, CTPSenior Product Manager, BNY Mellon

Profitably Serving the UnprofitableConsumerTime: 1:30 p.m. – 2:30 p.m.Track: Card-Based OpportunitiesLevel: Intermediate

How do you profitably serve customers who havelow average balances, require frequent access to cashand demand real-time account access? Participantsin this session learn how to find profit in such cus-tomers through innovative prepaid card solutions.

Moderator: Kirsten TruskoPresident & Executive Director, NBPCA

Anu ShultesGeneral Manager, Prepaid Telecom & FinancialServices, Blackhawk Network

John HagyChief Legal Officer, MetaBank

Trent SorbePresident & CEO, FirstView, LLC

Busting Fraud Rings with Social LinkAnalysisTime: 1:30 p.m. – 2:30 p.m.Track: Risk, Compliance & Fraud


Entity resolution and social network analysis havegained popularity in recent years as means to under-stand the relationships between an organization, itscustomers, various events and third-party actors. Inthis session, participants hear how industry innova-tors can combine these methods with big data andsocial link analysis to proactively identify fraud ringsrelationships and their biggest vulnerabilities —shared identity information.

Michael BetronDirector, Product Management, FICO

TJ HoranVP, Product Management, FICO

Refreshment Break in the Exhibit HallTime: 2:30 p.m. - 3:15 p.m.

Time: 2:35 p.m. – 3:15 p.m.

Visit the PAYMENTS 3D Theater to be introducedto the forward thinking, out-of-the-box disrupterswho are changing our world. PAYMENTS 3D offersa glimpse into the next wave of payments innova-tions and challenges. See demos, ask questions, andtalk directly to these trailblazers.

What’s Next for P2P: Today’s Lessons for the FutureTime: 3:15 p.m. – 4:15 p.m.Track: Spotlight Speaker SeriesLevel: Advanced

Since forming the clearXchange joint venture, Wells Fargo, Bank of America and J.P. Morgan havegathered customer insights that have transformedperson-to-person (P2P) payments. Branded by eachbank, the P2P customer experience has become moreseamless, easy and secure. With only an email ormobile number, customers can send and receivemoney. Participants gain insights into the clearX-change approach and how it is moving beyondtoday’s traditional payments mindset to meet highercustomer expectations. Learn how it is positioning itsP2P experience to solve customer pain points on thecompetitive payments playing field.

David GodsmanOnline & Mobile Solutions Executive, Bank of America

Michael KennedyCo-Founder & CEO, ClearXChange

Jim ReuterPresident, Support Services, FirstBank

Managing Risk & Minimizing FrictionTime: 3:15 p.m. – 4:15 p.m.Track: Risk, Compliance & Fraud


Assessing and managing risk is a universal component of a successfully run business. While all organizations seek to identify and mitigate individual risk elements, few institutions have elevated their approach to the enterprise level. Participants in this session are provided with anexamination of the components of a successfulenterprise risk management (ERM) program fromthe perspective of two financial institutions.

Tony DaSilva, AAPSenior Examiner, Federal Reserve Bank of Atlanta

Donald S. Jackson, AAP, CTPSVP, Senior Product Manager, First Tennessee Bank

Judy D. LongEVP & COO, First Citizens National Bank

Preparing For Tomorrow’s AML &Terrorist Financing ChallengesTime: 3:15 p.m. – 4:15 p.m.Track: Risk, Compliance & Fraud


The days of money launderers and terrorist financersoperating out of brick-and-mortar structures arenearly over. Today, these criminals operate in virtualenvironments and are often part of technologicallysophisticated, global crime rings that use large datasets to ply their trade. Participants in this sessionreceive an assessment of the challenges we face nowand what tomorrow's threats will look like, and learnhow big data and advanced analytics are successfullybeing deployed to help the financial industry betteridentify these rapidly evolving threats.

Glen SgambatiChief Data, Risk & Security Officer, Early WarningServices, LLC

Chris SweckerSecurity Consultant & Former Executive Director of theFBI

Finding Order in Chaos: The LegalEnvironment of CardsTime: 3:15 p.m. – 4:15 p.m.Track: Card-Based OpportunitiesLevel: Intermediate

The payment card marketplace seems to be in constant flux due to an ever-changing legal landscape. Court challenges to long-standing payment network rules and the Federal ReserveBoard's regulations implementing the DurbinAmendment have significantly altered card-basedpayments. Coupled with impending CFPB rules regulating prepaid cards, these developments havecontinued uncertainty in the near future. Partici-pants in this session gain an understanding of whatsuch turmoil could mean to their business lines.

Duncan DouglassPartner, Alston & Bird LLP

Legal & Regulatory Perspectives on Stop PaymentsTime: 3:15 p.m. – 4:15 p.m.Track: Risk, Compliance & Fraud


Recent reports from the New York Departmentof Financial Services (NYDFS) and theConsumer Financial Protection Bureau (CFPB)indicate that some banks are still not honoringstop payment orders, many of which aresubmitted in connection with the persistentproblem of unfair and illegal payday lending. Inthis session speakers discuss the consumerperspective, processes to honor stop paymentorders and the technical challenges they face,and what is required by rules andregulations. Participants gain an understandingof what is required to comply with regulationsand the NACHA Operating Rules, how toprovide a good experience for their consumercustomers, and insights on how the ACHNetwork can avoid increased attention fromregulators and legislators and ultimately enhanceconsumer protection from unscrupulousOriginators.Alaina GimbertSVP & Associate General Counsel, The Clearing House

Jane E. LarimerEVP, ACH Network Administration, General Counsel,NACHA — The Electronic Payments Association




The Next Generation of ACHAuthenticationTime: 3:15 p.m. – 4:15 p.m.Track: The ACH Network & the


The ability to confirm that an individual initiatingan ACH payment is actually authorized remains amajor challenge for the financial services industry.Fraud continues to escalate and regulators are askinginstitutions to develop solutions that outperform traditional and outmoded authentication methods,such as screen-scrapes and trial deposits. Participantsin this session hear from panelists who discuss new,cutting-edge, real-time methods they use to authen-ticate ACH transactions, reduce losses and keeptheir institutions compliant.

Laura WeinflashVP, Market Strategy, Early Warning Services, LLC

Christopher HuppertSenior Vice President, Wells Fargo

Smart Routing: Why Corporates &Financial Institutions Should WorkTogetherTime: 3:15 p.m. – 4:15 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

The U.S. payments industry has been talking aboutleast-cost routing or “smart” routing within an integrated payables solution for a while, but at thispoint it’s still mostly talk. Most corporate customerstoday identify the payment types used for their dis-bursements prior to sending them to their financialinstitution. The financial institution then acceptsthat identification and routes appropriately to theproper payment clearing system. Participants in thissession hear from both sides of the coin to informtheir own perspectives and gain insights on how tomake it a reality.

Elena Whisler, AAPDirector, Product Management, Clear2Pay Americas

Scott BellomoSenior Vice President, PNC Bank

Janice WoesteSenior Treasury Manager, Bob Evans

Mobile Wallets & Payments: Yes? orNot Yet?Time: 3:15 p.m. – 4:15 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

The next big thing in payments seems to changedaily. The proliferation of new payment channelsand ongoing emergence of non-bank competitors aretransforming how consumers manage and spendmoney. Rolling out next generation mobile financialservices is a great way to better serve customers, butactually delivering and supporting these servicescomes with a set of complex considerations. Partici-pants in this session hear of the latest developmentsand most in-demand mobile capabilities and howfinancial institutions are contending in this environment of change and choices.

Moderator: Ginger SchmeltzerSenior Vice President, Fiserv

Paul AmisanoVP, Electronic Money Movement & EmergingPayments, BB&T

Jeff DennesHead of Digital, SunTrust Bank

Winning the Mobile Bill PaymentsGameTime: 4:30 p.m. – 5:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

Whether mobile wallets or contactless payments,everyone is looking for the next best move in mobilepayments. While technology is promising to up thegame, how are consumers truly behaving? What isactually working today? Hear when, where and howmobile bill payments are currently gaining momen-tum in this session. Gain ideas for bolstering yourown mobile offense through examples of companiesthat have made the mobile bill payment leap andlearn how to deliver a comprehensive mobile billpayment strategy that can deliver big wins.

John Sutphin, Jr.Director, Finance, Piedmont Natural Gas

David ShapiroSVP, Payments, Western Union Payments

Target RedCard: Success in GrowthTime: 4:30 p.m. – 5:30 p.m.Track: The ACH Network & the


Join Mark Schultz, Senior Manager at Target Finan-cial and Retail Services, as he recounts the success ofthe Target brand in the payments space. Involved indriving company strategy as far back as the launch ofTarget.com in 1999, Mark has been instrumental inthe growth of the innovative Financial Services divi-sion. Target is now one of the world's largest issuersof gift cards and its popular RedCard program nowoffers both debit and credit card options. Partici-pants in this session will learn why Target decided toleverage the ACH Network and how offering cus-tomers alternative payment methods became a keypart of Target's customer loyalty strategy.

Mark SchultzSenior Group Manager, Product Design, TargetCorporation

A Health Plan’s EFT ImplementationJourney Time: 4:30 p.m. – 5:30 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

In this session, a representative of Blue Cross BlueShield (BCBS) of Michigan shares lessons andinsights from the insurer’s efforts to implement electronic funds transfer (EFT) and comply with thefederal mandates for the EFT Standard and the EFT-ERA Operating Rules. Hear about how BCBSand a Regional Payments Association (RPA) partnered to ensure effective communicationbetween local banks, credit unions and providers.Join an informative and interactive discussion thatencourages sharing challenges and solutions.

Cynthia MonarchBusiness Analyst Senior Transaction StandardsCompliance, Blue Cross & Blue Shield of Michigan

Cynthia J. Thompson, AAP, CTPDirector, Education & Professional Services, ThePayments Authority, Inc.

Navigating Canadian PaymentsRegulationTime: 4:30 p.m. – 5:30 p.m.Track: World Payments ViewpointLevel: Intermediate

At $617 billion in annual trade between the U.S.and Canada, navigating the regulatory terrain northof the border is critical to financial institutions andcompanies enabling or making cross-border pay-ments in support of this economic activity. Partici-pants in this session learn about the regulatoryregime and key developments in Canada, includingthe regulation of cross-border payments, Canadianprivacy legislation, sanction laws and new anti-money laundering requirements.

Jacqueline Dawn ShinfieldPartner, Blake, Cassels & Graydon LLP

Regulatory Change Management forCommunity Banks & Credit UnionsTime: 4:30 p.m. – 5:30 p.m.Track: Risk, Compliance & Fraud


Managing regulatory change and demonstratingcompliance given the current regulatory environ-ment has become a full time job for large financialinstitutions. How are community banks and creditunions, which generally have more limited systemsand compliance resources, supposed to be able to dothe same thing? The influx of new rules, federalrequirements and ongoing activity in many state legislatures has made achieving and demonstratingcompliance more complex. Participants in this session hear the critical issues, how to track andimplement, and what resources are available to help manage change.

Steven Vaglio, AAPSVP, Member Services and Marketing, EastPay, Inc.

Stephanie B. Simmons, AAPTreasury Services Director, The Bank of Tampa

The Payments Revolution: The Roleof Non-BanksTime: 4:30 p.m. – 5:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

Non-bank providers are clearly not new to the payments area, but they are increasingly leveraginginnovative technologies and evolving consumerpreferences and behavior in new ways to redefinethe playing field. Participants in this session hear thelatest assessment of who is revolutionizing themobile payments space and how, as they lead therelentless march to a checkless and cashless future.

Kevin H. ConnellyExecutive Vice President, The RWC Group

The Effects of Regulation on Virtual& Digital CurrenciesTime: 4:30 p.m. – 5:30 p.m.Track: Risk, Compliance & Fraud


Virtual and digital currencies are gaining popularityamong consumers in certain contexts. As they operate outside of traditional monetary and regulatory regimes, they also pose questions andchallenges. Participants in this session learn aboutthe differences between virtual currency and newlyemerging digital currency, and hear whether, howand why both should be regulated, as well as theconsequences of regulation. In addition, participantsgain an understanding of how virtual currency issneaking into the payments ecosystem and what'sbeing done about it.

Moderator: Douglas A. KingPayments Risk Expert, Federal Reserve Bank of Atlanta

Gideon SamidPresident & CEO, BitMint

Adam ShapiroDirector, Promontory Financial Group, LLC

Can e-Cash & Virtual CurrencyCompete with Other ElectronicPayments? Time: 4:30 p.m. – 5:30 p.m.Track: Payments StrategiesLevel: Intermediate

Could digital currencies like MintChip and Bitcoinsupplant other electronic payments? Participants inthis session hear from a panel of experts as theyexamine the past, present and future of digital currency, differences between digital currency and e-cash, and legal and regulatory challenges. Understand what is a happening today and what it might mean for your future and that of your enterprise.

Jeremy AllaireFounder, Chairman & CEO, Circle Internet Financial

Carol R. Van CleefPartner, Patton Boggs LLP

Dr. Oz ShySenior Economist, Consumer Payments ResearchCenter, Federal Reserve Bank of Boston

Financial Data Security: LessonsLearned from Higher EducationTime: 4:30 p.m. – 5:30 p.m.Track: Risk, Compliance & Fraud


It's a fast paced world in the fraud industry. Hackereyes are on your organization's mobile devices, computers, servers and networks. Have your financial data security policies and procedures keptup with the technology changes? Financial datasecurity is a responsibility for all of us. Participants in this session receive a broad review of securitymeasures and learn lessons they can apply from the scary stories of attempted fraud affecting higher education.

Ruth A. Harpool, AAP, CTPManaging Director, Treasury Operations, IndianaUniversity

Kelley Thomas, CTPTreasury Manager, University of Michigan

Mobile Bill Payments with QR BillTime: 4:30 p.m. – 5:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

EMV, NF and SMS standards are the future ofmobile payments, but QR (Quick Response) codesrule the here and now, especially for point-of-salemobile transactions. In light of the opportunity,NACHA recently issued the QR Bill Guidelines,which establish a single QR code format to helpconsumers wherever they view and pay bills, providing a bridge from paper to mobile payments.This session focuses on a NACHA-led industry evaluation of the Guidelines and investigates how todevelop a market for mobile payments leveragingQR standards. Participants also have an opportunityto hear different perspectives from billers, banks and service providers on the implementation of the QR Bill.

Moderator: Robert Unger, AAPSenior Director, E-Billing & Payments, NACHA - TheElectronic Payments Association

Karen L. Shahoian, AAP, CCMVP, Digital Payments, Bill Pay & P2P Senior ProductManager, Wells Fargo

Kathy RomanoExecutive Director, Bill Print, Payment & AROperations, Verizon




The Value of Corporate MobileBanking ServicesTime: 4:30 p.m. – 5:30 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

While not yet mainstream, increasingly banks needto institute corporate mobile banking as a service toattract and retain cash management business. Participants in this session learn about the valueproposition mobile banking offers corporate treasuryprofessionals through use cases that demonstrateproductivity improvements and new solutions toexisting business challenges. Insights are providedfrom recent studies including a survey of the top 50U.S. banks and a global study of banks’ corporatemobile initiatives.

Howard N. Forman, AAPHead of Online Treasury Management Solutions, PNCBank

Christine BarryResearch Director, Aite Group

Tuesday Evening Reception in the Exhibit HallTime: 5:30 p.m. - 7:00 p.m.

Take advantage of this last opportunity to makethose critical connections that will help propel your organization into a profitable future. Enjoy this reception surrounded by cutting-edge technology providers, payments service experts,and organizations poised to offer the solutions youseek in this dynamic exhibit hall.

Time: 5:35 p.m. – 6:50 p.m.

Visit the PAYMENTS 3D Theater to be introducedto the forward thinking, out-of-the-box disrupterswho are changing our world. PAYMENTS 3D offers a glimpse into the next wave of paymentsinnovations and challenges. See demos, ask questions, and talk directly to these trailblaze

Wednesday, April 9Continental BreakfastTime: 8:00 a.m. – 8:30 a.m.

Payment System Priorities: What the Fed Has LearnedTime: 8:30 a.m. – 9:30 a.m.Track: Spotlight Speaker SeriesLevel: Advanced

Over the past year, the Federal Reserve has engaged in a vigorous industry outreach and research effort to better understand U.S. payments system stakeholder needs, desires and priorities. Learn the outcomes of primary research onthe demand for faster payments by consumer and corporate end-users and secondary research on specific gaps and opportunities related to paymentssafety and security. Find out what the Fed has learnedso far about what's missing in today’s payments landscape and what’s needed to achieve the paymentssystem of the future. Hear about the latest insights onalternatives for improving the speed of payments andabout industry feedback on the Fed’s Payment SystemImprovement – Public Consultation Paper.

Sean J. RodriguezSenior Vice President, Federal Reserve Bank of Chicago

Cheryl L. VenableSVP, Retail Payments Product Manager, Federal ReserveBank of Atlanta

Mitigating the Risks of PaymentsFraud with Anomaly Detection: ACase StudyTime: 9:45 a.m. – 10:45 a.m.Track: Risk, Compliance & Fraud


In order for a fraud attack to be successful, criminal minds need to get to the money. Once theperpetrators have compromised whatever safeguardsare in place, systems used to initiate payments suchas wire transfers and ACH credits are vulnerable.Financial institutions are actively looking for ways to improve their fraud detection and preventioncapabilities in the face of the ever-expanding mix ofschemes, tools and techniques used by the fraudsters.Participants in this session hear how one financialinstitution is achieving success in combattingthreats.

Terry AustinCEO & President, Guardian Analytics

Robert PicciniAVP, Operations Manager, Citizens Business Bank

Sound Business Practices inPayables & Receivables Integration:A Case StudyTime: 9:45 a.m. – 10:45 a.m.Track: Payments StrategiesLevel: Intermediate

With the goals of improving operational efficiencyin its treasury management services, adding newproduct capabilities and increasing customer satisfaction, First Tennessee is executing a paymentmodernization plan. Participants in this session gain insights for their own financial institutionsendeavors as the speaker shares lessons, practices and progress achieved in such areas as payment processing convergence, file transfer consistencyacross payment types, OFAC compliance centralization, customization of business rules per customer, and the enhancement of web andmobile capabilities.

Taylor J. Vaughan, CCMDirector, Treasury Management Products, FirstTennessee Bank

Top Ten Risk Management Strategiesfor New Product InnovationTime: 9:45 a.m. – 10:45 a.m.Track: Risk, Compliance & Fraud


Advances in new payment innovations and thepressure to increase revenues have spurred anincrease in new consumer product development and implementation. The product design and development process is fraught with consumer protection regulatory challenges including theunfair, deceptive and abusive acts or practices(UDAAP) oversight authority granted to the CFPB under Dodd-Frank. Participants in this sessionhear from UDAAP thought leaders and paymentcompliance experts who impart insights on the most important compliance action steps financialinstitutions should take to protect themselves when designing new products.

Nitish A. PandeyDeputy Compliance Officer, American ExpressCenturion Bank

Kathlyn FarrellManaging Director, Treliant Risk Advisors LLC

Sponsored by

Sponsored by

Onboarding OriginatorsTime: 9:45 a.m. – 10:45 a.m.Track: The ACH Network & the


The ACH onboarding process should represent theperfect blend of attentive customer service andseamless operational efficiency. Join experiencedcash management sales and service officers fromHomestreet Bank and Bank of the West as they discuss the steps of onboarding from both perspectives and lessons learned from recent processrevision. Participants walk away with a clear understanding of critical touch points whenaccounts are handed off from cash management to ACH departments, enabling insight into betterimplementations. Best practices for the process arealso discussed in light of how more efficiency doesnot necessarily require more automation.

Jennifer Blevins, AAPCash Management Sales Officer, HomeStreet Bank

Janice M. Maidel, AAPVice President, Bank of the West

Mining Payments Data Inside aFinancial Institution: A Case StudyTime: 9:45 a.m. – 10:45 a.m.Track: Payments StrategiesLevel: Intermediate

Payment data, if harnessed correctly, constitutes apowerful tool that financial institutions can leverageto integrate systems and departments. This casestudy demonstrates how a financial institution canuse business intelligence tools to capture a holisticview of customer activity and help the institutiontarget products and services, more profitability manage customers, and ensure awareness of risk and compliance thresholds and issues across theinstitution. Participants gain an understanding of an approach they can adapt and apply to theirrespective financial institutions.

Ashley M. Mobley, AAPCompliance & Internal Auditor, Alabama TeachersCredit Union

Jami GloverSenior Product Solutions Manager, EPL, Inc.

Jessica J. Rios, AAPSVP, Association Services, GACHA

Breaking Down the Barriers toMoving MoneyTime: 9:45 a.m. – 10:45 a.m.Track: Mobile Banking & PaymentsLevel: Intermediate

The rise of mobile payments, P2P networks, mobiledeposits and the further adoption of online bankinghave created silos and niches within financial institutions when it comes to moving money fromone person to another. Participants in this sessionlearn from the experience of a financial institutionthat has taken on this challenge and strategicallyleveraged technology to deliver a mobile P2P solution that produces a better customer experienceand more profitable services.

Shawn KnoxSales Executive, Computer Services, Inc.

Richard BradfuteChief Information Officer, James Polk Stone CommunityBank

Leveraging Payments Innovation toMeet Customers' ExpectationsTime: 9:45 a.m. – 10:45 a.m.Track: World Payments ViewpointLevel: Advanced

The annual World Payments Report examinesdevelopments in the global payments landscape,reviewing global and regional non-cash paymenttrends. Participants in this session hear how theglobal payments landscape is responding to shifts ineconomic and competitive conditions, advances intechnology and increasing regulation. Participants in this session learn what industry initiatives areoccurring as a result and how innovation from payments service providers can create sustainabledifferentiation for financial institutions in meetingfuture customer expectations and business needs.

Deborah BaxleyPayments Practice Leader, Capgemini

Teresa ConnorsDirector, Market Business & Strategy, Royal Bank ofScotland

Post Payment System(PPS): Payment Integrity’s NextGenerationTime: 9:45 a.m. – 10:45 a.m. Track: The ACH Network & the


The Bureau of the Fiscal Service (Legacy FinancialManagement Service) is embarking on a multi-yearmodernization of key exception processes handledby RDFI’s that receive Federal Government payments. In this session, participants learn aboutPPS’ business process re-engineering efforts thatstrive to improve the integrity of ACH reclamations,ACH non-receipts, Notifications of Change andmore. The session also includes an overview of PPS’capabilities in combating fraud, case managementand centralized communication between FederalAgencies and the financial community. The sessionprovides awareness of impacts, timing and benefits ofPPS, and how your organization can have a voice inits development.

Lisa M. Andre, AAPProgram Manager, Bureau of the Fiscal Service

Matthew Helfrich, AAPProgram Manager, Bureau of the Fiscal Service

Payment System Improvement:Focus on the ACH NetworkTime: 9:45 a.m. – 10:45 a.m. Track: The ACH Network & the


Developed through extensive industry input,NACHA constructed the ACH Blueprint in 2012with a focus on facilitating change on the ACHNetwork over this decade. While not prescribingwhich options to implement, the ACH Blueprintserves as a forward-looking roadmap that lays-outhigh-level opportunities to pursue. Not surprisingly,there is significant alignment of the vision put forthin the ACH Blueprint with concepts raised in theFederal Reserve’s Payment System Improvement –Public Consultation Paper of 2013. Participants inthis session, representing the spectrum of Networkparticipants including financial institutions, solutionproviders and processors, and business end-users,take part in a unique, interactive town hall examination of select opportunities and attributesraised in these visionary documents — and how theACH Network can be leveraged and evolved tomeet them. Key outcomes of the town hall will becaptured and made available subsequent to the conference.

Jan EstepPresident & CEO, NACHA – The ElectronicPayments Association




Consumer Purchasing Habits & a True Omni-Channel ShoppingExperience Time: 9:45 a.m. – 10:45 a.m.Track: Payments StrategiesLevel: Intermediate

Retailers want consumers to be able to shop, compare and purchase all within the same, seamlessshopping experience, whether online, mobile orretail. However, lines are blurring between online,mobile and retail shopping, making it difficult toascertain which payment methods can support thisexperience best. In this session, participants learn ofemerging ideas and technologies that will helpretailers achieve the holy grail of customer experience, how they can implement an appropriatepayment strategy, and what the benefits are if theysucceed.

Brent WarringtonChief Executive Officer, Securenet LLC

Nish ModiVP, Products, Securenet LLC

John ShermanPartner, Georgetown OB-GYN, LLP

More than Just Wage Payments: TheNext Generation of Payroll Puts theEmployee FirstTime: 9:45 a.m. – 10:45 a.m.Track: Corporate Payments SolutionsLevel: Intermediate

Direct Deposit via ACH and payroll cards haveexperienced high levels of adoption, helping companies improve payroll efficiency and reducecosts. The key to continued adoption puts employees first, ensuring they understand the benefits of electronic wage delivery. Participants inthis session hear about new approaches and tangibleexamples of employee-centric systems and self-service options that boost satisfaction and adoption,while also reducing time and resources spent managing payroll activities.

Linda PappillionSenior Director, Payroll, HR Operations, Compensation& Benefits, Pacific Sunwear of California Inc.

Cathy S. BeydaOf Counsel, Paul Hastings LLP

Jill GoebelSenior Business Leader, Prepaid Products, Visa Inc.

Anthony PeculicSenior Director, Product Strategy & Management,ALINE Payment Solutions, ADP, Inc.

Emerging Threats & Trends inElectronic Payments FraudTime: 11:00 a.m. – 12:00 p.m.Track: Risk, Compliance & Fraud


As the electronic payment landscape continues to evolve, so does the threat to penetrate the systemsof corporate clients, shared service centers andfinancial institutions. Participants in this session are provided with an examination of the challengesfaced by financial institutions and their clients inmanaging internal and external fraud, current frauddetection tools and the potential gaps. Business casesand tips provide assistance in staying ahead of fraudsters and for detecting and preventing fraudoccurrences.

Brian ToddSVP, Fraud Prevention & Internal Control, CitiTreasury and Trade Solutions

David FapohundaDirector, Fraud Policy, Citibank N.A.

Transforming into the Branch of theFutureTime: 11:00 a.m. – 12:00 p.m.Track: Payments StrategiesLevel: Intermediate

Intuit research shows that people who bank online using their mobile and tablet devices log inabout 30 times a month and are more profitable to afinancial institution than those who don't bank digitally. With mobile device adoption skyrocketingglobally, financial institutions should focus on thesedigital customers. Participants in this session hearwhat market trends indicate and how emergingtechnologies will impact existing or potential customers. Strategies to drive customer engagement,and ultimately, financial institution profitability viathe digital branch are shared.

Deepti SahiGroup Product Manager, Money Movement, Digital Insight

Maximizing Customer Use ofAutomatic Payments & Paperless Ebilling Time: 11:00 a.m. – 12:00 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

Amidst the proliferation of available ways that consumers can pay and receive bills, businesses mustundertake a multifaceted strategy to increase consumer adoption of electronic solutions in waysthat will them help reduce costs and realize otherbenefits. In this session, gain insights to inform yourcompany’s strategy from the latest research and customer practices and preferences, and from theexperience of Allstate. Hear how and why theinsurer embraced discounts to compel behavioralchange, adopted multi-channel notification andconfirmation communications, and empoweredfront-line agents to engage and enroll customers.Learn how to better pinpoint the optimal time inthe customer lifecycle to migrate your customers toebilling and payments.

Eric LeisersonSenior Research Analyst, Fiserv

Joan Skibinski, AAPMarketing Manager, Allstate Insurance Company

The Unintended Consequences ofthe Durbin AmendmentTime: 11:00 a.m. – 12:00 p.m.Track: Card-Based OpportunitiesLevel: Intermediate

Three years after Durbin, the outcomes are quite different than original intentions, resulting in significant unintended consequences. Research conducted by the Federal Reserve revealed unexpected impacts on merchants. Participants inthis session learn more about the research and ongoing studies as the environment continues to evolve.

Scarlett Schwartz, PhDPayments Specialist, Federal Reserve Bank of Richmond


From Statistics to Strategy, TurningGen Y Trends into TacticsTime: 11:00 a.m. – 12:00 p.m.Track: Payments StrategiesLevel: Intermediate

Gen Yers are transforming how we do business andwill continue to be a definitive demographic for atleast another 10 years. With a major effect on thefinancial behavior of the overall population, thisgroup's influence means big changes for your servicesstrategy. How does a financial institution translatethe countless statistics on growth and behavioraltrends to something actionable? Participants in thissession go beyond the numbers to the why as theyare taken on a deeper dive into the financial livesand payment behaviors of Gen Y, including onlineand mobile. Key takeaways include understandingGen Y financial motivators and mindset, gainingstrategies for addressing Gen Y demands and theirwide-sweeping influence and learning how to prioritize which tactics to implement.

Philip LuVP, Knowledge Management, Wells Fargo

Missy ZakettVP, Vertical Sales, Western Union Payments

Streamlining Treasury OperationsAcross the GlobeTime: 11:00 a.m. – 12:00 p.m.Track: World Payments ViewpointLevel: Intermediate

Managing a global bank account structure can bechallenging due to decentralized operations withmultiple bank accounts, locations and financialmanagement systems – resulting in trapped cashspread across the globe. Participants in this sessionlearn how adopting sound business practices tostreamline corporate treasury operations globallyoffers their companies benefits such as cost reduction, cash management efficiencies, improvedutilization of payment technology and enhanced risk management.

Darren LoosChief Financial Officer, NewNet CommunicationTechnologies

Stephen PhelpsExecutive Director, J.P. Morgan

Operation Ababil: Lessons Learned& The Future of Information SharingTime: 11:00 a.m. – 12:00 p.m.Track: Risk, Compliance & Fraud


To help mitigate ever-present threats, such as the“Operation Ababil” DDoS attacks, financial institutions continue to step up efforts to collaboratewith each other, openly sharing useful cyber-threatintelligence and mitigation techniques. Participantsin this session hear from experts who are in the frontlines of this war as they examine how intelligencesharing beat back Ababil. Hear what kind of sharedintelligence helps combat cyberattacks, and learnfrom use cases and audience participation of howcyber-sharing efforts can save companies' valuable resources.

Rod RasmussenPresident & CTO, Internet Identity

John OmernikSecurity Analytics Architect, Zions Bancorporation

Developments in Securing Tablet-Based POS DevicesTime: 11:00 a.m. – 12:00 p.m.Track: Mobile Banking & PaymentsLevel: Intermediate

Tablet-based POS devices help to enable smallretailers to get paid electronically and are beingadopted by some larger merchants as they transformthe in-store customer experience. Participants in thissession learn about the security risks associated withtablet-based POS devices and how POS softwaredevelopers and merchants can address these risks.

James MaloneyChief Information Security Officer, Mercury PaymentSystems

Group Therapy for Receivers of Bad Remittance InformationTime: 11:00 a.m. – 12:00 p.m.Track: Corporate Payments SolutionsLevel: Intermediate

For years, the payments industry has been burdenedwith unreadable remittance information – transactions lying dormant on reports, not postedwhile waiting for manual intervention. Corporatereceivers look for solutions from their financial institutions, third parties or receivables departments.Whether the data is EDI or XML remittance accompanying ACH payments, the situation isworsening. Participants in this session are providedwith a fresh look at the situation that includes examples and potential avenues to collaborativelyaddress this problem.

Moderator: Sharon Jablon, AAPProduct Specialist, The Clearing House

Sandra RothManager, Trade Financial Management, Johnson &Johnson

Dian CurtisAVP, EDI Product Manager, PNC Bank

Valjean Sanchez, AAP, CTPSVP, Payment Systems Operations, Union Bank

Leveraging the FedACH® SameDayService in the HeartlandTime: 11:00 a.m. – 12:00 p.m.Track: The ACH Network & the


The Federal Reserve Bank introduced an optionalsame-day ACH solution in 2010 and expanded theservice in April of 2013, allowing credits as well asdebits and additional ACH payments types. Participants in this session hear from an earlyadopter – a financial institution that signed up forthe expanded FedACH® SameDay Service – and aRegional Payments Association that is building geographic coalitions of financial institutions to participate. Hear why these institutions are using theservice, what worked and panelists’ perspectives onthe barriers to adoption, the pros and cons of anoptional service and critical next steps.

Mike HoeflerVP, Cashier, First State Bank Nebraska

Wendy Wishon, AAP, NCPSenior Vice President, EPCOR

Deborah R. Briscoe-Holt, AAPVP & Senior Product Manager, Bank of Oklahoma


Exhibitors & Sponsors


Exhibit Hall & Sponsorship InformationDo you have products and services that you need to get in front of the right audience? NACHA offers a wide variety of exhibit and sponsorship opportunities that will raise your company’s profile to new heights within the payments industry.

The PAYMENTS conference delivers a dynamic and interactive exhibit hall experience like no other, providing quality face-to-face networking opportunities and activities that get you engaged directly with the attendee. The exhibit hall is the selling platform you need to:

• Introduce a new product or service

• Establish new business contacts

• Meet with existing customers

• Benchmark against competition

• Get qualified leads that produce real ROI

• Showcase your company profile in the payments arena

• Create an engaging environment for long-term business relationship building

See companies who are already on board with the PAYMENTS experience:

Thank you to our sponsors (as of January 30, 2014)

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.

Accuity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 607ACE Software Solutions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 629ACH Alert, LLC. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 122ACH Federal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 307ACHeck21. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 615ACI Worldwide. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 323Affirmative Technologies, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . 331Aptys Solutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 601Argos Risk, LLC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 716Association for Financial Professionals (AFP) . . . . . . . . . . . . . 731Authentify, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 507Axway . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 709Bill2Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 230Bottomline Technologies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207Bureau of The Fiscal Service . . . . . . . . . . . . . . . . . . . . . . . . . . . 705CardinalCommerce Corp . . . . . . . . . . . . . . . . . . . . . . . . . Kiosk 1Centrix Solutions, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 400Chesapeake System Solutions, Inc. . . . . . . . . . . . . . . . . . . . . . . 703Clear2Pay Americas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100Creditron . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 110CSG International . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 326Data Support Systems, Inc.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 715Deluxe Corporation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 713Dovetail . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 303Early Warning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 712EastPay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 322eGistics, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 228Ernst & Young, LLP . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 722Exhibit Hall Lounge & Head Shots. . . . . . . . . . . . . . . . . . . . . . 128Federal Reserve Banks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 101FICO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 108FIS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 107Fiserv . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 412Fundtech Corporation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 115Guardian Analytics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 506Heartland Payment Systems . . . . . . . . . . . . . . . . . . . . . . . . . . . . 129IBM Corporation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 513iGTB . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 623

Institute of Financial Operations, The . . . . . . . . . . . . . . . . . . 726Laru Technologies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 112LexisNexis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 229LT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 433MagTek, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 328MicroBilt Corporation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 116Montran Corporation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 227NACHA - The Electronic Payments Association . . . . . . . . . . 423NEACH. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 324Neopost USA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 701nProtect, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 500Online Banking Solutions . . . . . . . . . . . . . . . . . . . . . . . . Kiosk 2PAYMENTS 3D Theater . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 818PaySett Corporation USA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 633Pegasystems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 430PrintMail Systems, Inc.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 632ProfitStars. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 501Q2ebanking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 405Regional Payments Associations . . . . . . . . . . . . . . . . . . . . . . . . 423RemoteDepositCapture.com. . . . . . . . . . . . . . . . . . . . . . . . . . . . 617Sonavation, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 704SQN Banking Systems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 605SurePayroll. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 106SWIFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 302Systar, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 532Temenos Group AG . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 700The Bancorp Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 223The Clearing House . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 213ThreatMetrix, Inc.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 613topcreditcardprocessors.com . . . . . . . . . . . . . . . . . . . . . . . . . . . . 733TransCentra . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 123Trusteer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 407US Dataworks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 502VASCO Data Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 603Verafin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 724WACHA / PAR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 708WAUSAU Financial Systems. . . . . . . . . . . . . . . . . . . . . . . . . . . 300Western Union Consumer Financial Services . . . . . . . . . . . . . 401

Exhibitors (as of January 30, 2014)

NACHA offers a wide variety of high-profile sponsorship opportunities, many of which can be customized to fit your organization’s specific needs. Details can be found at https://payments.nacha.org or by calling Joshua Maze at 703-561-3960 or [email protected].

Hurry, the exhibit hall is already more than 85% sold, and many of the current sponsorship offerings have been spoken for.

Go to https://payments.nacha.org and see where your solution provider is on the exhibit hall floorplan.



Exhibit Hall Rates

Sayantan ChakrabortyChairpersonManaging Director, Head of North America PaymentsCitibank N.A.New York, NY

Gail AngelVP & Director, Commercial TreasuryFISJacksonville, FL

Ann-Marie Bartels, AAPChief Executive OfficerEPCORKansas City, MO

Nell Campbell-Drake, AAPVice PresidentFederal Reserve Bank of AtlantaAtlanta, GA

Elizabeth Cronenweth, AAP, CTPVice PresidentFiservBrookfield, WI

Peter Davey, AAPVP & Director, Enterprise PaymentsCapital OneRichmond, VA

Daphne Gilliam, AAP, CCMSenior Manager, ACH & CheckWalmart Stores, Inc.Bentonville, AR

Jeff Gonzales, AAPPayments Risk Analyst, ComplianceJack Henry & AssociatesRichardson, TX

Cassandra GordonVP, Payables and Receivables Product ManagementTD Bank, N.A.New York, NY

Walter HoffmanExecutive Relationship ManagerJavelin Strategy & ResearchPleasanton, CA

Joe HusseyExecutive DirectorJ.P. MorganIndianapolis, IN

Chris HuppertSenior Vice PresidentWells Fargo San Francisco, CA

Jonathan LearHead of Business, North AmericaEarthport North America, Inc.New York, NY

Joanne MiddendorfBusiness Leader - RPPS- Bill PaymentMasterCard WorldwideO'Fallon, MO

Timothy Mills, AAPVice PresidentThe Clearing HouseWinston-Salem, NC

Mary O’TooleDirectorBank of America Merrill LynchNew York, NY

Joseph ProtoChief Executive OfficerTransactis, Inc.New York, NY

Pamela Rodriguez, AAP, CIA, CISAExecutive Vice PresidentEastPay, Inc.Birmingham, AL

Stacy RosenthalBusiness ManagerSWIFTNew York, NY

Stephanie Prebish, AAP, CTPSenior Director, Education & AccreditationNACHA – The Electronic Payments AssociationHerndon, VA

Paul TrozzoSVP, Product Group ManagerPNC BankPittsburgh, PA

Jane Wallace, AAPVP, National Markets StrategyIntuit, Inc.San Francisco, CA

Vanessa WalkerDirector, Billing/Payments/DisbursementsState Farm Insurance CompaniesBloomington, IL

Elena Whisler, AAPDirector, Product ManagementClear2Pay AmericasAlpharetta, GA

PAYMENTS 2014 CONFERENCE PLANNING COMMITTEE MEMBERS

About NACHA – The Electronic Payments AssociationThe PAYMENTS conference is presented by NACHA – The Electronic Payments Association, the recognizedleader in payments system education. NACHA manages the development, administration, and governance of theACH Network, the backbone for the electronic movement of money and data. The ACH Network provides a safe,secure and reliable network for direct account-to-account consumer, business and government payments. Tolearn more, please visit www.nacha.org, www.electronicpayments.org, www.payitgreen.org and direct.nacha.org.

Thank you to our Media Partners

$1,725 Member

$2,005 Member with Workshops

$2,025 Nonmember

$2,305 Nonmember with Workshops

$1,345 Government/University

$1,625 Government/University with Workshops

$945 Exhibit Hall Only/Guest*

$1,345 Team of 3 or More**

*Exhibit Hall Only/Guest registration includes exhibit hall events and the Monday evening reception. It does NOT include attendance at any educational sessions, including the Tuesday Awards Luncheon.

**Teams of 3 or more must be registered at the same time to receive the group rates. Nonmember group rates are not available. This fee not available online. Please call 703-561-1100 to register.

34

Registration Information

1:00 p.m. – 3:00 p.m. • ACH 101

• Building a Corporate Fraud Prevention Toolkit

• International Payments Primer

• Mobile & Digital Payments Ecosystem

• Planning for Disaster Recovery

• The Legal Structure of Payments

• Understanding Payment Cards

Sunday Workshops Two workshops for the price of one. Choose one from each time slot.

Registration Fees after February 7, 2014

3:30 p.m. – 5:30 p.m.• ACH 201

• ACH Origination: Effective Due Diligence & Onboarding

• ACH Security Procedures on Trial

• Become Fluent in the Language of IAT

• Harvesting Big Data for Positive Impact

• Impact of Proposed Prepaid Access Rules

• Product Innovation in a Changing World

Additional fee of $280 required.

Registration PoliciesAdvance payment required. No invoices. Multiple registrations: Complete a separate form for each registrant.

CANCELLATION POLICY: Cancellation requests will not be accepted via telephone and must be submitted in writing via fax to 703-713-1641 or email to [email protected]. Refunds will be processed for the amount paid minus a $200 processing fee if the request is received by February 7, 2014. NO REFUNDS will be granted after February 7, 2014. Please ensure that you areregistered at the proper rate and type (i.e. Member/Nonmember, etc.). No refunds for rate adjustments, due to improper selection of registration type, will be made after March 21, 2014.


Travel/Hotel/Orlando Information


Orlando World Center Marriott8701 World Center DriveOrlando, Florida 32821

Rates starting at $219 per night, singleor double occupancy.

Reservations should be made earlyand availability cannot beguaranteed. Rates quoted above maynot be available if using a travelagent. Individuals must make theirown reservations and are responsiblefor all charges including change andcancellation fees.

Save on TravelReceive a 5% discount on air travel withAmerican Airlines.

Book your air travel with AmericanAirlines and save 5% off mostpublished fares. Go towww.aa.com/group and enter PromoCode 2944AH to save today. Travelmust be completed between April 2-13, 2014 for travel into OrlandoInternational Airport (MCO). Youmay also call 1-800-433-1790 tobook your flights, please refer to thePromo Code when you call.International originating guests will needto contact your local reservations officeand refer to the Promo Code.

Receive 2% to10% discount onair travel with United Airlines.

You may also fly with United Airlines,which offers discounts of 2% to 10%off published fares and you can savean additional 3% by booking yourown reservations at www.united.com.Choose your flight times, and accessyour meeting discounts by insertingZQR6691560 in the Offer Code box.Or, call your travel professional orUnited Meetings at 800-426-1122 forreservations and refer to Z CodeZQR6 and Agreement Code: 691560.

Save on TransportationThe Orlando World Center Marriottis 17 miles from the OrlandoInternational Airport (MCO).There are several options fortransportation from the airport to theresort:

Mears Transportation GroupCall 407-423-5566 or visitwww.mearstransportation.com.Approximate fare: $21 each way.

Super ShuttleCall 800-258-3826 or visitwww.supershuttle.com and entercode EPA14 for $5.00 discount offround trip fares. Approximate fare:$20 each way.

Taxi ServiceApproximate fare: $55 each way andcan be secured onsite at the OrlandoInternational Airport and at theOrlando World Center Marriott.

For those driving, hotel parking ratesstart at $15 daily. The address fordriving to the Orlando World CenterMarriott is 8701 World CenterDrive, Orlando, Florida, 32821.

We look forward to welcoming you to Orlando for PAYMENTS 2014. Ensure that you receive the hotel, room type and rate of your choice by booking online today through https://payments.nacha.org/Accommodations

REGISTER NOW!Here’s how...

NACHA—The Electronic Payments Association13450 Sunrise Valley Dr., Suite 100

Herndon, VA 20171 USAhttps://payments.nacha.org

This brochure is 100% Wind Powered | Carbon Neutral | FSC Certified | SFI Certified

Special Discount for Teams of Three or More. Call for Details.

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 Download a registration form and return with payment (U.S. currency only) to:NACHAAttn: Accounting Department13450 Sunrise Valley Dr., Suite 100Herndon, VA 20171 USA

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