PAYMENTS 2014 On Site Guide

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On Site Guide for NACHA's PAYMENTS 2014 Conference April 6-9 in Orlando, FL. Visit payments.nacha.org for more information.

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PAYMENTS 2014 On Site Guide

  1. 1. ORLANDO WORLD CENTER MARRIOTT Hosted by: Transform Imagination into Strategic Innovation ONSITE GUIDE Pay2014_Onsite_7B_PAY2012 3/11/14 10:03 AM Page 2
  2. 2. BEIJING · BOSTON · BRUSSELS · CHICAGO · DALLAS · FRANKFURT · GENEVA · HONG KONG HOUSTON · LONDON · LOS ANGELES · NEW YORK · PALO ALTO · SAN FRANCISCO SHANGHAI · SINGAPORE · SYDNEY · TOKYO · WASHINGTON, D.C. Attorney Advertising - For purposes of compliance with New York State Bar rules, our headquarters are Sidley Austin LLP, 787 Seventh Avenue, New York, NY 10019, 212.839.5300; One South Dearborn, Chicago, IL 60603, 312.853.7000; and 1501 K Street, N.W., Washington, D.C. 20005, 202.736.8000. Sidley Austin refers to Sidley Austin LLP and affiliated partnerships as explained at www.sidley.com/disclaimer. Prior results do not guarantee a similar outcome. SETTING THE LEGAL STANDARD FOR THE GLOBAL PAYMENTS INDUSTRY Our strategic advice is informed by our extensive background in the payments industry. From bitcoin and virtual currency to mobile payments, prepaid and debit cards, and ACH, our team can assist you with your legal and business objectives. Washington, D.C. William S. Eckland +1.202.736.8267 Joel D. Feinberg +1.202.736.8473 James A. Huizinga +1.202.736.8681 Jeffrey S. Hydrick +1.202.736.8192 Gretchen E. Lamberg +1.202.736.8083 Patrick K. O’Keefe +1.202.736.8120 David E. Teitelbaum +1.202.736.8683 John K. Van De Weert +1.202.736.8094 London William RM Long +44.20.7360.2061 Rachpal K Thind +44.20.7360.3721 Singapore John M. Casanova +65.6230.3907 www.sidley.com Pay2014_Onsite_7B_PAY2012 3/7/14 2:36 PM Page 2
  3. 3. https://payments.nacha.org I 1-800-487-9180 3 TABLE OF CONTENTS Thank you to Our Sponsors and Media Partners. . . . . . . . . . . . . . . . . . . . .4 Chairperson's Welcome Letter . . . . . . . . . . . . .5 Welcome to PAYMENTS 2014! . . . . . . . . . . . .6 Conference Highlights . . . . . . . . . . . . . . . . . . .7 Executive Forum . . . . . . . . . . . . . . . . . . . . . . .9 Orlando World Center Marriott Floor Plan . . .10 Conference Planning Committee . . . . . . . . . .38 Workshops, Sessions and Special Events Sunday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Monday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Tuesday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 Wednesday . . . . . . . . . . . . . . . . . . . . . . . . . .34 Sponsor/Exhibitor/PAYMENTS 3D Innovators Directory PAYMENTS 2014 Sponsors . . . . . . . . . . . . . .39 Floorplan . . . . . . . . . . . . . . . . . . . . . . . . . . . .44 Exhibitor List . . . . . . . . . . . . . . . . . . . . . . . . .45 Exhibitor Directory . . . . . . . . . . . . . . . . . . . .46 PAYMENTS 3D Innovators . . . . . . . . . . . . . .56 PAYMENTS 2014 Mobile App View Schedules. Explore sessions, access locations and speaker presentations. Create. Design your personal schedule and view interactive maps. Check-in. For sessions, keynotes, exhibitor booths and more. Update. Share photos, comments, your location and connect with other attendees. Earn Badges. Earn points and badges by simply using the App and enhance your chance to win! See page 11 for details. Download the App at http://doubledutch.me/download/payments-2014 Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 3
  4. 4. 4 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 Thank You . . . ...TO OUR SPONSORS T E C H N O L O G I E S TM www.affirmativeusa.com . . . AND TO OUR MEDIA PARTNERS Monday Night Celebration Co-Sponsor Exhibit Hall Aisle Signs Monday Lunch in Exhibit Hall Industry Agenda & Education: Corporate Payments Solutions Track Spotlight Speaker Series Co-Sponsor Conference Pens PAYMENTS 3D Theater and Industry Agenda & Education: Card-Based Opportunities Track Wednesday Continental Breakfast Monday Night Celebration Co-Sponsor Solution Circles Monday Morning Refreshment Break Industry Agenda & Education: Risk, Compliance & Fraud Prevention Track Industry Agenda & Education: The ACH Network & the NACHA Operating Rules Track Monday Continental Breakfast Conference Lanyards AAP Sunday Evening Reception Chairperson's Leadership Reception 2014 NACHA Payments System Awards Luncheon Executive Forum Industry Agenda & Education: Mobile & Digital Payments Track Wireless Internet 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. Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 4
  5. 5. https://payments.nacha.org I 1-800-487-9180 5 Chairperson's Welcome Letter Colleagues: On behalf of NACHA — The Electronic Payments Association, I welcome you to PAYMENTS 2014. Representing organizations throughout the payments value chain, we gather in Orlando for our annual conference, to learn, engage and network with the best and brightest in the payments industry. Collectively, we are driving innovative solutions as well as their adoption, which is enabling businesses and consumers to securely and easily purchase and pay bills electronically. Regardless of your role in the payments field, NACHA’s annual conference offers you a comprehensive examination of the most pressing topics in the payments ecosystem that will inform and enrich your strategic outlook and execution. Take full advantage of the unrivaled educational experience and solution-rich exhibit hall to gain insights and actionable information from those who are driving change and moving the industry forward. Engage your colleagues, clients and business partners — and cultivate new relationships — while gaining industry-leading knowledge. The robust dialogue among attendees and incomparable networking opportunities provides an immediate linkage between new ideas and potential business opportunities. The NACHA team of industry volunteers and staff has worked tirelessly to deliver unmatched value at PAYMENTS 2014. Our goal is for you to leave Orlando armed with the new ideas, business connections and critical knowledge necessary to continue to strategically drive payments innovation for your organization and for the industry. We hope you enjoy the conference. Sincerely, Pat Thelen, CTP Executive Vice President UMB Bank n.a. NACHA Board Chairperson Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 5
  6. 6. REGISTRATION & ADMISSION INFORMATION All PAYMENTS 2014 attendees must wear their conference credentials at all times. Individuals without credentials will not be admitted to any conference functions. Conference participants with green badge stock (exhibit hall only and guests) are not permitted to attend concurrent educational sessions, Solution Circles or the Tuesday Awards Luncheon. All attendees must wear their credentials in order to attend the Monday Night Celebration. All session attendees must be seated during presentations. Standing in the back of an education session is prohibited by the Fire Marshall. REGISTRATION HOURS Location: Palms Ballroom Foyer Sunday, April 6 11:00 a.m. – 1:00 p.m. (Pre-Conference Workshop Registrants Only) 1:00 p.m. – 6:30 p.m. (All Registrants) Monday, April 7 7:00 a.m. – 5:30 p.m. Tuesday, April 8 7:30 a.m. – 5:30 p.m. Wednesday, April 9 8:00 a.m. – 12:00 p.m. Conference Concludes at 12:00 p.m. EXHIBIT HALL HOURS Monday, April 7 10:30 a.m. – 2:45 p.m. 3:45 p.m. – 5:00 p.m. Tuesday, April 8 9:00 a.m. – 11:45 a.m. 1:00 p.m. – 7:00 p.m. Exhibit Hall Activities Conclude at 7:00 p.m. EDUCATION SESSION PRESENTATION MATERIALS Presentation materials will be available for download for up to 90 days after the conference via the PAYMENTS 2014 Mobile App and at https://www.nacha.org/pay-pres. SOCIAL MEDIA Follow all the activity on Twitter at @NACHA_PAYMENTS and use hashtag #PAYMENTS2014 along with the speaker handles located throughout this guide to join in the conversation during each session. Join us on LinkedIn at http://bit.ly/PAYMENTS2014 COMPLIMENTARY WIRELESS ACCESS Sponsored by Bring your laptop or mobile device and take advantage of complimentary wireless Internet access in the meeting space at the Marriott. For access to the complimentary WiFi service provided by Western Union, select the PAYMENTS2014 network and use the password of WesternUnion. FIRST TIMERS' ORIENTATION SOCIAL Sunday, April 6 10:45 a.m. - 12:00 p.m. Location: Crystal J1 Join us for an overview of all of the educational and networking opportunities the PAYMENTS conference has to offer. After this short presentation, enjoy a coffee break with select members of the Conference Planning Committee and NACHA staff who are there to answer your questions and help you make connections. 6 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 Welcome to ! Thank you for being a part of the most comprehensive payments event of the year. All events are held at the Orlando World Center Marriott unless otherwise noted. Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 6
  7. 7. https://payments.nacha.org I 1-800-487-9180 7 Conference Highlights 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 of payments industry innovations and challenges, and you’ll get the chance to ask questions and talk directly to these new consumer and business solution providers. Held in the buzzing exhibit hall, PAYMENTS 3D offers fast-paced, interactive demonstrations of new technologies and concepts – up close and in person. NETWORKING LUNCHES PAYMENTS offers several opportunities for networking including a special lunch in the exhibit hall and the renowned Awards Luncheon where NACHA recognizes industry innovators. Networking Lunch in the Exhibit Hall Join us on Monday for an exciting and engaging lunch in the exhibit hall. This opportunity is open to all conference participants and is a great chance to network with exhibitors, sponsors, speakers, and other attendees. 2014 NACHA Payments System Awards Luncheon NACHA’s annual Payments System Awards recognize the highest degree of achievement in the development, implementation and advancement of electronic payments. These prestigious awards celebrate outstanding accomplishments and superior leadership. Join us for this entertaining luncheon on Tuesday as we unveil this year’s recipients. EVENING RECEPTIONS Monday Night Celebration 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 Universal CityWalk® at Universal Orlando® Resort. Take a trip to New Orleans at Pat O’Brien’s® (hosted by ACI Worldwide) or explore the home of the king of reggae at Bob Marley–A Tribute to FreedomSM . Enjoy three themed rooms and a huge dance floor at the grooveSM and take the stage at CityWalk’s Rising Star (hosted by EastPay). It’s an entire evening of fun, food and celebration. This event is open to all conference attendees. 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 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 those critical last-minute connections. Enjoy refreshments surrounded by cutting-edge technology providers, payment service experts and organizations poised to offer the solutions you’re looking for. Sponsored by Co-Sponsored by Sponsored by Sponsored by 33601_NACHA_Rev8:PAY2012 3/12/14 1:19 PM Page 7
  8. 8. UNIQUE EDUCATION EVENTS Opening General Session Banking on Artificial Intelligence Day: Monday, April 7 Time: 8:00 a.m. – 9:00 a.m. Big data tells a story that links customer behavior with business opportunities. However, it is only as good as its speed to insight. In the payments industry, organizations will live and die by their ability to translate big data into decisive, actionable insights in the midst of an ever-increasing competitive landscape, regulatory uncertainty, evolving technology and constantly shifting consumer behavior. Kris Hammond, CTO of Narrative Science, challenges you to let your data tell your story, think about the data analysis model of today, and explore how you can leverage artificial intelligence to create business opportunities. Kris explains how the next 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 and generating revenue through new products. Kristian Hammond Chief Scientist, Professor, Artificial Intelligence Expert, Narrative Science Solution Circles Day: Monday, April 7 Time: 7:00 a.m. - 8:00 a.m. Start your day off right and join industry colleagues for breakfast, networking and thought-provoking conversations at these open forum roundtable discussions. Choose from multiple discussion topics and gain the insight and knowledge of current industry trends. Full conference participants only. 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’s New and Different in Today’s Environment? • Payments System Improvements: What are the Industry’s Next Steps? • Virtual Currencies: Are They Here to Stay and Why Should I Care? Sponsored by Sponsored by Sponsored by Industry Agenda Gamifying Financial Services: The Millennials, Gen X & Institutions Day: Monday, April 7 Time: 2:45 p.m. – 3:45 p.m. Everything we know about the financial services industry 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 get the customer of the future off their phones for long enough to care about finance and the future. The solution: gamification – a powerful new approach to driving loyalty and engagement that is changing the financial employee, customer and strategic landscape with extraordinary speed. Join author and designer Gabe Zichermann for this fast-paced session that will show you how, when and why gamification will revolutionize the top and bottom line, and everything in between. Spotlight Speaker Series New this year, the Spotlight Speaker Series focuses on the challenges and opportunities that will shape the payments space of tomorrow. Are Bank Innovations Meeting Salient Consumer Needs? Day: Tuesday, April 8 Time: 8:00 a.m. – 9:00 a.m. What’s Next for P2P: Today’s Lessons for the Future Day: Tuesday, April Time: 3:15 p.m. – 4:15 p.m. Payment System Priorities: What the Fed Has Learned Day: Wednesday, April 9 Time: 8:30 a.m. – 9:30 a.m. Invitation-only Events: CHAIRPERSON’S LEADERSHIP RECEPTION The NACHA leadership gathers for this invitation- only event to commemorate another year of progress in the payments industry. Location to be communicated via email invitation. AAP RECEPTION All 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. Sponsored by 8 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 Sponsored by Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 8
  9. 9. The Evolution of the U.S. Payments System Day: Monday, April 7 Time: 1:15 p.m. – 1:45 p.m. Room: Anaheim/Atlanta/Boston Track: Executive Forum Level: Advanced The next generation of the U.S. payments system requires new thinking and cooperation across the myriad players that make up today’s payments ecosystem. Some initiatives introduced over the last few years have been less successful due in part to a siloed approach. Change that can be sustained requires addressing the needs of joint business and consumer users. For solutions to be successful, they must be developed through open collaboration with consideration of the full ecosystem and benefit both payers and payees. Ather Williams, global head of payments and strategy for Bank of America Merrill Lynch Global Treasury Solution Division out- lines the current state of U.S. payments and presents some opportune areas that build a case for a good future. Ather Williams Managing Director, Bank of America Rethinking Payments Innovation Day: Monday, April 7 Time: 1:50 p.m. – 2:20 p.m. Room: Anaheim/Atlanta/Boston Track: Executive Forum Level: Advanced Financial institutions are constantly concerned with the changing pay- ments landscape and determining how best to face competition. The competition stems from both those within the traditional bank sector and 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 and stakehold- ers to innovate using limited capital, resources in the face of an evolving regulatory environment. Ebru Pakcan, global payments head from Citi shares her opinion on how her organization should prepare to shape the payments industry. Ebru Pakcan Managing Director & Head, Global Payments, Citibank N.A. Payment System Improvement: Implications for Financial Institutions Day: Monday, April 7 Time: 4:30 p.m. – 5:30 p.m. Room: Anaheim/Atlanta/Boston Track: Executive Forum Level: Advanced The questions posed in the Federal Reserve’s Payment System Improve- ment – Public Consultation Paper pointed to key perceived gaps and opportunities in the U.S. payment system, as well as desired outcomes to close these gaps and capture these opportunities. Responses received from a broad spectrum of stakeholders provide an array of perceptions that support or challenge this vision, offer potential paths to realize the expressed desti- nation, and highlight the practical realities of getting there. This session engages participants in dialogue with a Federal Reserve executive on the significance of this vision — and in light of responses received — to financial institutions and the products, services and platforms they support, the infrastructures in which they have invested, and the business model, macro-economic, and customer/societal considerations. Marie Gooding First Vice President & COO, Federal Reserve Bank of Atlanta How KeyBank is Using Data to Enhance Customer Relationships Day: Tuesday, April 8 Time: 10:00 a.m. – 11:00 a.m. Room: Anaheim/Atlanta/Boston Track: Executive Forum Level: Advanced Big Data and analytics have become popular buzzwords in banking, and dis- cussions about these topics frequently focus more on rhetoric than practice. However, at KeyBank, a push to become data-driven over the past year has successfully materialized. Data now drives improvements in decision-mak- ing as it relates to business development, marketing and risk. Participants in this session gain: an understanding of the key elements that made such a drastic transformation a reality; and about executive commitment, data centralization and changes in human resources that, beyond reflecting new decision-making processes and relationships with business leaders, increase their perceived importance in the organization. An overview of key lessons that KeyBank learned could help participants drive such change in their own organizations while assessing the quality of analytics at various finan- cial institutions. This is especially important as analytics become crucial for efficient marketing spend and account generation in a changing payments landscape. David Bonalle Executive Vice President, KeyBank Sponsored byExecutive ForumByInvitationOnly https://payments.nacha.org I 1-800-487-9180 9 Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 9
  10. 10. Buses depart here for the Monday Night Celebration at CityWalk. REGISTRATION Floorplan 10 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 Special Events in Crystal J: First Timers’ Orientation Social Sunday, April 6 10:45 a.m. - 12:00 p.m. (J1) Solution Circles Monday, April 7 7:00 a.m. - 8:00 a.m. (J1) Spotlight Speaker Series Sessions Tuesday, April 8 & Wednesday, April 9 Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 10
  11. 11. Attendee Entrance Attendee Entrance NIC E Actim ize Priority Paym ent Expre ssSyste m s Q2 EY CSG In te rn at io nal PAYMENTS 2014 Mobile App CHECK IN AND WIN! Users of the PAYMENTS 2014 Mobile App will have the chance to compete for prizes by earning badges and points. Earn these by checking in to sessions and exhibit booths, adding photos, rating items, commenting, adding friends, and other activities. Prizes of $250 each will be awarded to one of the top 10 users, as of the Tuesday Evening Reception, and to one of the top 10 users to check-in to the most exhibit booths during Tuesday exhibit hall hours. Winners will be announced in the NACHA booth during the Tuesday Evening Reception in the exhibit hall. You must be present to win. Download the App at http://doubledutch.me/ download/payments-2014 https://payments.nacha.org I 1-800-487-9180 11 General Sessions in the Palms Ballroom: Opening General Session Monday, April 7 8:15 a.m. - 9:15 a.m. Industry Agenda Monday, April 7 2:45 p.m. - 3:45 p.m. Awards Luncheon Tuesday, April 8 11:30 a.m. - 1:15 p.m. Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 11
  12. 12. Sunday, April 6 Registration Open for Workshop Participants Only Time: 11:00 a.m. – 1:00 p.m. Location: Palms Ballroom Foyer Registration Open for All Conference Attendees Time: 1:00 p.m. – 6:30 p.m. Location: Palms Ballroom Foyer Pre-Conference Workshops Begin ACH 101 Time: 1:00 p.m. – 3:00 p.m. Room: Anaheim/Atlanta/Boston Track: Pre-Conference Workshops Level: Fundamental This workshop provides novices with an introduction to the ACH Network and the NACHA Operating Rules that they can build upon to maximize their educational experience. Participants gain a foundational knowledge of how the Network operates, its key attributes and the roles and responsibilities of those who utilize it. Debbie Barr, AAP, CTP Senior Director, ACH Network Rules Process, NACHA - The Electronic Payments Association Gina D. Carter, AAP AVP, Risk Management, EastPay, Inc. Understanding Payment Cards Time: 1:00 p.m. – 3:00 p.m. Room: Crystal AB Track: Pre-Conference Workshops Level: Fundamental Participants in this workshop gain a comprehensive understanding of card-based payments. The work- shop provides insights from the issuing and accept- ance perspectives on types of cards, applications, authorization requirements, and evolving regulatory and technological factors that impact business decisions. Paul Tomasofsky President, Two Sparrows Consulting, LLC Planning for Disaster Recovery Time: 1:00 p.m. – 3:00 p.m. Room: Crystal CD Track: Pre-Conference Workshops Level: Intermediate Are you confident in your financial institution’s business continuity plans? The FFIEC Guidance on business continuity focuses on IT, but there is more to disaster recovery and business continuity than technology infrastructure. Participants take away a checklist of items to better prepare for an unplanned disaster or business interruption. Gary Kindle VP, Operations, Elevations Credit Union Michael Spafford Disaster Recovery, Business Continuity, EPCOR @mikess1946 Building a Corporate Fraud Prevention Toolkit Time: 1:00 p.m. – 3:00 p.m. Room: Crystal EF Track: Pre-Conference Workshops Level: Intermediate This workshop provides corporate practitioners with specific tools and practices to identify and prevent fraud. Participants gain insight into liability exposure, requirements and responsibilities under UCC 4A and how to implement security measures internally and externally. Jay McLaughlin SVP & Chief Security Officer, Q2ebanking @jaymlaughlin Shirley A. Banks, AAP Electronic Banking Risk Analyst, Canandaigua National Bank & Trust The Legal Structure of Payments Time: 1:00 p.m. – 3:00 p.m. Room: Crystal KL Track: Pre-Conference Workshops Level: Fundamental The legal framework of payments is comprised of laws, regulations and private sector rules that work in concert to define obligations and protect parties to transactions. This workshop provides participants with an overview of how this framework applies across existing and emerging payment methods. Azba Habib Associate Counsel, Federal Reserve Bank of Atlanta Jeanette Hait Blanco Senior Product & Regulatory Counsel, PayPal, Inc. Richard M. Fraher VP & Counsel to the RPO, Federal Reserve Bank of Atlanta International Payments Primer Time: 1:00 p.m. – 3:00 p.m. Room: Crystal MN Track: Pre-Conference Workshops Level: Intermediate New to international payments? This workshop immerses participants in the world of global payments. Corporate and financial institution practitioners learn key concepts, terms, principles and regulatory requirements preparing them to support the business needs of their organizations and customers. Alan S. Koenigsberg Managing Director, Bank of America Merrill Lynch Jane Hennessy Global Banking Consultant Mobile & Digital Payments Ecosystem Time: 1:00 p.m. – 3:00 p.m. Room: Crystal PQ Track: Pre-Conference Workshops Level: Fundamental Mobile and digital payments offer financial institutions, businesses and solution innovators tremendous opportunity to engage, enable and transact with customers in new ways. As new technologies, risks and players are infused into the mix, business models are evolving and customer expectations and behavior are changing. Related business decisions are becoming even more consequential. Participants in this workshop delve into the burgeoning mobile and digital payments ecosystem and emerge with a solid understanding of the players, approaches and opportunities upon which to learn more. Stephen Mott Principal, BetterBuyDesign @stevemott ACH 201 Time: 3:30 p.m. – 5:30 p.m. Room: Anaheim/Atlanta/Boston Track: Pre-Conference Workshops Level: Intermediate This workshop builds on content addressed in ACH 101. Participants learn complex concepts and examine nuances of the NACHA Operating Rules as they apply to payment origination and receipt, risk management, rules compliance and enforcement, and exception processing. Kimberly W. Rector, AAP Senior Director, Education, MACHA - The Mid-Atlantic Payments Association Sean Carter, AAP VP, Risk & Compliance, NEACH @liftingemup Workshops, Sessions and Special Events 12 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 12
  13. 13. Impact of Proposed Prepaid Access Rules Time: 3:30 p.m. – 5:30 p.m. Room: Crystal AB Track: Pre-Conference Workshops Level: Fundamental Rules proposed by the Financial Crimes Enforce- ment Network (FInCEN) seek to combat money laundering related to prepaid cards. Participants in this workshop gain an understanding of what FinCEN is proposing and the potential impact on issuing merchants and cardholders. Moderator: Terry Maher Partner, Baird Holm LLP Donald J. Mosher Partner, Schulte Roth & Zabel LLP Liz Nutting SVP, Strategic Partnerships & Network Relations, BofI Federal Bank ACH Security Procedures on Trial Time: 3:30 p.m. – 5:30 p.m. Room: Crystal CD Track: Pre-Conference Workshops Level: Intermediate Using real court cases and other case studies, this workshop puts security procedures on trial. Participants learn to analyze agreements, determine how they align with NACHA’s ACH Security Framework and how courts of law have defined commercially reasonable. Fred Laing, II, AAP, CCM President, Upper Midwest ACH Association Mary M. Gilmeister, AAP, NCP President, WACHA - The Premier Payments Resource Paul A. Carrubba Partner, Adams & Reese, LLP ACH Origination: Effective Due Diligence & Onboarding Time: 3:30 p.m. – 5:30 p.m. Room: Crystal EF Track: Pre-Conference Workshops Level: Intermediate ACH origination offers financial institutions lucra- tive opportunities to grow their business. Along with those opportunities lie the challenges of knowing your customer and your customer’s customer. Increased scrutiny and evolving threats demand con- stant reevaluation of onboarding of Originators and third parties. In this workshop, participants explore the due diligence process and obtain guidance to make informed decisions. John M. Curtis, AAP, NCP VP, Director of Education & Communications, Western Payments Alliance Melissa C. Blair, AAP, CTP VP & Senior Treasury Management Consultant, Umpqua Bank Product Innovation in a Changing World Time: 3:30 p.m. – 5:30 p.m. Room: Crystal KL Track: Pre-Conference Workshops Level: Fundamental How do you creatively rethink product innovation to succeed amidst regulatory, technological and cul- tural change? Participants in this workshop experi- ence hands-on training to drive product innovation informed by customer perspectives and preferences. Jeff Lauterer Manager, Product Operations, Digital Insight Kimberly Prieto Group Manager, Business Development, Digital Insight Become Fluent in the Language of IAT Time: 3:30 p.m. – 5:30 p.m. Room: Crystal MN Track: Pre-Conference Workshops Level: Fundamental Does your financial institution fully grasp the intri- cacies of supporting International ACH Transaction (IAT) Entries? Deciphering the NACHA Operating Rules and OFAC regulations is easier than you think. Participants in this workshop take away an in- depth understanding of the rules related to the receipt and origination of these ACH transactions. Priscilla C. Holland, AAP, CCM Senior Director, Healthcare Payments, NACHA - The Electronic Payments Association Harvesting Big Data for Positive Impact Time: 3:30 p.m. – 5:30 p.m. Room: Crystal PQ Track: Pre-Conference Workshops Level: Intermediate Many large organizations use Big Data to drive rev- enue, provide more personalized interactions with customers and mitigate fraud. This workshop explains what Big Data consists of, how to conduct experiments, starting points for usage and the emerg- ing role of data scientists to succeed. Nick Nadgauda Managing Director, Global Head, Payments, Receivables & Wholesale Cards Technology, Citibank N.A. Stacy Rosenthal Business Manager, SWIFT Workshops Conclude at 5:30 p.m. Enjoy your evening with friends and colleagues. Use the Mobile App to find and meet up with other attendees! Chairperson's Leadership Reception By invitation only. Time: 5:00 p.m. - 6:30 p.m. Location to be commuicated via invitation. AAP Reception By invitation only. Time: 6:30 p.m. - 7:30 p.m. Location to be communicated via invitation. Sunday, April 6 https://payments.nacha.org I 1-800-487-9180 13 SUNDAY Sponsored by Sponsored by Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 13
  14. 14. Opening General Session Banking on Artificial Intelligence Location: Palms Ballroom Time: 8:15 a.m. – 9:15 a.m. Big data tells a story that links customer behavior with business opportunities. However, it is only as good as its speed to insight. In the payments indus- try, organizations will live and die by their ability to translate big data into decisive, actionable insights in the midst of an ever-increasing competitive land- scape, regulatory uncertainty, evolving technology and constantly shifting consumer behavior. Kris Hammond, CTO of Narrative Science, challenges you to let your data tell your story, think about the data analysis model of today, and explore how you can leverage artificial intelligence to create business opportunities. Kris explains how the next 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 and generating revenue through new products. Kristian Hammond Chief Scientist, Professor, Artificial Intelligence Expert, Narrative Science CONCURRENT SESSIONS BEGIN U.S. Smart Card Migration: Ready or Not, Here It Comes! Time: 9:30 a.m. – 10:30 a.m. Room: Crystal G Track: Card-Based Opportunities Level: Advanced U.S. debit, credit and prepaid cards are migrating from magnetic stripe to EMV smart chip technology. What is the impact on merchants, issuing banks and their card-holding customers? Participants hear from a diverse group of panelists on card issuance and adoption rates along with implications for stakeholders. Moderator: Claudia S. Swendseid Senior Vice President, Federal Reserve Bank of Minneapolis Margot Carter SVP & Senior Product Manager, Bank of America Merrill Lynch Randy Gibbons Manager, Payment Strategies, Southwest Airlines Rue A. Jenkins AVP, Treasury, Costco Wholesale Holistically Managing High-Risk Origination Time: 9:30 a.m. – 10:30 a.m. Room: Crystal H Track: Risk, Compliance & Fraud Prevention Level: Intermediate Financial institutions make business decisions to originate ACH transactions for clients, and it is incumbent on them to conduct appropriate due diligence and related risk management. With what could be considered to be high-risk activity, it is imperative that the institution implements a robust and holistic risk management program throughout the life cycle that has active involvement and com- mitment across the organization. Participants in this session learn from the experience of a financial insti- tution that has adopted a holistic approach. Hear what 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, and what are potential client showstopper questions. Moderator: Marcie J. Haitema SVP, ACH & eCommerce Operations, PNC Bank Linda Hogan Vice President, PNC Bank Norman Harkleroad Senior Vice President, PNC Bank Real-Time, Rich-Data Payments: The Australian Experiment Time: 9:30 a.m. - 10:30a.m. Room: Crystal A-C Track: World Payments Viewpoint Level: Advanced The world over, four main pressures impact automated payment systems: user expectations for instant, flexible payments tailored and automated to their diverse needs; regulator expectations for competition and innovation as well as safety and efficiency; emerging challenges from alternative channels; and aging payments network infrastruc- ture. In Australia, a novel response is under con- struction: a “New Payments Platform” built by and for the payments community that is ubiquitous, yet promotes competition and diversity in payments networks and services. This session explores the rationale and implications of such a unique approach and why the Australian payments community hopes it will tick all the boxes. Christopher Hamilton Chief Executive Officer, Australian Payments Clearing Association Limited George Throckmorton Managing Director, Advanced Payments Solutions, NACHA - The Electronic Payments Association Monday, April 7 Registration Open Time: 7:00 a.m. – 5:30 p.m. Location: Palms Ballroom Foyer Continental Breakfast Time: 7:00 a.m. – 8:00 a.m. Location: Crystal Ballroom Atrium Solution Circles Time: 7:00 a.m. – 8:00 a.m. Location: Crystal J1 Start your day off right and join industry colleagues for breakfast, networking and thought-provoking conversations at these open forum roundtable discussions. Choose from multiple discussion topics and gain the insight and knowledge of current industry trends. Full conference participants only. 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? • Virtual Currencies: Are They Here to Stay and Why Should I Care? Sessions and Special Events 14 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 MONDAY Sponsored by Sponsored by Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 14
  15. 15. Best Practices in Establishing Automated Origination & Tracking Time: 9:30 a.m. – 10:30 a.m. Room: Crystal D-F Track: Corporate Payments Solutions Level: Intermediate As corporates increasingly electronify payments from check to ACH, the importance of accurate, automated origination and tracking is vital to achieving straight-through processing (STP). Partic- ipants in this session learn how STP can be achieved through the integration of the proper level and type of payment tracking information, minimizing man- ual reconcilement of exceptions. Best practices for aligning payment reconcilement are shared, as well as insight on how ERP systems can provide best practices that formalize the payment lifecycle. David Repking Information Reporting Product Manager, J.P. Morgan Laurie White Project Manager, Enterprise Information Services Applications, Harris Corporation Serving the Financially Underserved: The Value Proposition Time: 9:30 a.m. – 10:30 a.m. Room: Crystal K-M Track: Payments Strategies Level: Intermediate Addressing the needs of the financially underserved holds great potential to benefit such consumers and the companies serving them. Developing successful, high-quality products depends upon deep consumer knowledge and innovative business models. Partici- pants in this session learn what consumer and indus- try research reveals about the financial behaviors and preferences of these consumers, as well as the size and state of the under-banked marketplace. A case study highlights opportunities, challenges and lessons learned by one of the largest banks and offers an overview of a comprehensive suite of under- banked products. Deborah Matthews Phillips, AAP Director, Payments Strategies, Jack Henry & Associates Eva Wolkowitz Analyst, Insights and Analytics, Center for Financial Services Innovation Timothy Thorson, AAP, CTP VP & Manager, ACH Operations, Regions Financial Corporation Monday, April 7 Risk Management for Mobile Remote Deposit Capture Time: 9:30 a.m. – 10:30 a.m. Room: Crystal N-Q Track: Mobile Banking & Payments Level: Intermediate Mobile Remote Deposit Capture is rapidly becoming a game changer for financial institutions. However, like with any other payments innovation, it also entails certain risks. Participants in this session learn about the chief areas of concern, applicable rules and regulations, and measures they can take to mitigate risk and reap the benefits. Moderator: Kevin Olsen, AAP, NCP, MCSE AVP, Education, IT Manager, EastPay, Inc. David Brock President & CEO, Community Credit Union Paul Phillips Attorney, Adams & Reese, LLP SEPA — The Buzz After Three Months Live Time: 9:30 a.m. – 10:30 a.m. Room: Grand 9-10 Track: World Payments Viewpoint Level: Fundamental Migration to the Single Euro Payments Area (SEPA), which replaces national schemes with an integrated and harmonized means of exchanging Euro credit transfers and direct debits has been a top priority in the European Union for that past decade. Three months after the deadline for full implemen- tation in February 2014, participants in this session hear about the initial impact, what remains to be accomplished and the significance of the schematic to financial institutions and their customers. Etienne Goosse Secretary General, European Payments Council (EPC) Michael Steinbach CEO & Chairman, Board of Directors, Equens SE Automating Healthcare Payments: Updates from an Evolving Industry Time: 9:30 a.m. – 10:30 a.m. Room: Grand 11-12 Track: The ACH Network & the NACHA Operating Rules Level: Intermediate The healthcare industry has experienced a transfor- mation as it transitions to electronic payments and complies with the Affordable Care Act (ACA). Against the backdrop of 1.3 billion claims, partici- pants in this session learn about the industry’s reac- tion to the ACA mandates, lingering barriers to adoption, and alternative payment methods used by the healthcare industry. A large healthcare provider shares its experiences and how it is collaborating with vendors and financial partners to ensure seam- less electronic payments and remittances. Erin Richter Weber CORE Senior Manager, CAQH Mona Reimers Director, Revenue Services, Ortho NorthEast Mobile ACH Payments: A Post-Durbin Opportunity Time: 9:30 a.m. – 10:30 a.m. Room: Grand 13-14 Track: Payments Strategies Level: Advanced As U.S. financial institutions seek to cultivate new revenue streams in the post-Durbin world, mobile payments offer an interesting value proposition. Consumer adoption is growing and merchant enablement is occurring. The ACH Network offers financial institutions the opportunity to remain cen- tral to these retail payments and cultivate new, unre- alized revenue. Participants in this session hear how financial institutions in the U.S. can apply lessons from abroad to make the ubiquitous and cost-effec- tive ACH system here an even greater source of value to consumers, merchants and their own bottom lines in a mobile world. Lanny Byers Managing Director, Consult Hyperion @lannybyers https://payments.nacha.org I 1-800-487-9180 15 MONDAY Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 15
  16. 16. Five Steps to Optimizing Payables & Growing Financial Returns Time: 9:30 a.m. – 10:30 a.m. Room: Canary 1-2 Track: Corporate Payments Solutions Level: Intermediate The benefits of payables automation are clear, yet only one in five organizations makes the majority of its B2B payments electronically. Deploying the right mix of payment methods, each with their own benefits, ensures maximum efficiency and financial gains. Learn how to develop a strategy for the best payables mix for your enterprise in five key steps. Miguel Rodriguez Regional Director, Paymode-X, Bottomline Technologies, Inc. Wayne Zeiler Director, Financial and Management Reporting, ITG @WayneZeiler Deposit Account Takeover: The Legal Landscape Time: 9:30 a.m. – 10:30 a.m. Room: Canary 3-4 Track: Risk, Compliance & Fraud Prevention Level: Advanced Over the past few years, there has been much litigation where businesses sue their financial institutions to recover losses caused by a hacker’s theft of the client’s online credentials, resulting in fraudulently originated wire transfers and ACH credits. Judicial opinions diverge. Participants in this session hear an examination of the legal theories, significance of judicial outcomes and measures to protect their institutions from litigation. Barkley Clark Partner, Stinson Leonard Street LLP Mark Hargrave Partner, Stinson Leonard Street LLP Refreshment Break and Exhibit Hall Grand Opening Time: 10:30 a.m. – 11:15 a.m. Educational Session in the Exhibit Hall Customized Relationship Solution Case Study: Fundtech & MetLife Time: 10:35 a.m. – 11:05 a.m. Room: PAYMENTS 3D Theater Track: Exhibit Hall Education Sessions Level: Intermediate MetLife Inc. is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60 countries. In 2009, MetLife’s Corporate Treasury and IT teams worked closely with Fundtech’s Service Bureau and its banks to evaluate the benefits of connecting to SWIFT. In this session hear directly from MetLife about how they worked with Fundtech to further improve their treasury operations. Participants in the session gain an understanding of why the collaboration was successful, how it enabled better customer service while allowing for significant cost savings, and how MetLife is now able to reach 2 percent of their banking counter parties. Robert Jackson Senior Banking Consultant, MetLife CONCURRENT SESSIONS BEGIN Monitoring for Abusive ACH Debit Practices Time: 11:15 a.m. – 12:15 p.m. Room: Crystal G Track: Risk, Compliance & Fraud Prevention Level: Advanced Historically, the focus on monitoring ACH transactions has been on the ODFI’s debit Originators. However, media and regulatory attention has redirected the spotlight to receiving banks and their obligations to protect customers from unauthorized or abusive payment practices. Participants in this session learn how RDFIs can help protect consumer and business account holders by monitoring received debit transactions, identify- ing trends and taking steps to minimize abusive practices. Recent and ongoing proposals and initia- tives to help RDFIs ensure the continued, positive reputation of the ACH Network are discussed. Alicia Treadway, AAP, CTP First Vice President, Treasury & Payment Solutions, SunTrust Bank Beth Anne Hastings Vice President, J.P. Morgan Recent Developments in Electronic Payments Law Time: 11:15 a.m. – 12:15 p.m. Room: Crystal H Track: The ACH Network & the NACHA Operating Rules Level: Intermediate Staying abreast of the numerous and often complex developments in the legal and regulatory framework surrounding payments can be daunting and under- standing the implications to an organization’s ACH activities is crucial. Participants in this session are provided with a review of significant legal issues raised by current developments in electronic payments law, including recent amendments to the NACHA Operating Rules. Jane E. Larimer EVP, ACH Network Administration, General Counsel, NACHA - The Electronic Payments Association Jane K. Winn Professor of Law, University of Washington Meeting Small Business Customer Needs with an Integrated Business Banking Solution Time: 11:15 a.m. – 12:15 p.m. Room: Crystal A-C Track: Corporate Payments Solutions Level: Intermediate Small business customers represent significant revenue generation and cross-sell opportunities to add fuel to grow your financial institution. Targeting the small business market with the right set of tools and capabilities gives financial institutions the ability to differentiate their message, pursue untapped markets and grow revenue as small business owners frequently turn to their financial institution for financial management needs. Participants in this session hear about the benefits of implementing integrated banking solutions designed to meet the needs of the small business market. Christine Barry Research Director, Aite Group John Balose Principal Market Manager, ACI Worldwide Meggin Nilssen Vice President, Treasury Management Sales, Bank of Blue Valley Monday, April 7 16 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 MONDAY Sponsored by Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 16
  17. 17. A B2B Payments Success Story Time: 11:15 a.m. – 12:15 p.m. Room: Crystal D-F Track: Corporate Payments Solutions Level: Intermediate Is migration to electronic business-to-business (B2B) payments on your radar? These payments are rapidly growing in the ACH Network and many tools now exist to assist with conversion. Participants in this session hear how Cox Enterprises partnered with its bank and trading partners on a recent conversion and gain valuable insight from their experience that other companies could adopt to eventually tell their own success stories. Alan R. Dupree, AAP Retail Payments Director, Federal Reserve Bank of Atlanta @AlanDupreeFRB Anita S. Patterson, CTP Director, Treasury Services, Cox Enterprises, Inc. John A Fabrizio, CTP SVP, Treasury Management Sales Consultant, Wells Fargo @johnfabz Mash Up at the POS: Transforming the Retail Experience Time: 11:15 a.m. – 12:15 p.m. Room: Crystal K-M Track: Mobile Banking & Payments Level: Intermediate Retailers, advertisers, card networks and terminal manufacturers are investing heavily in changing the commerce experience, leveraging mobile technol- ogy, POS innovations, and big data based marketing and loyalty solutions. In this environment, financial institutions, processors and other traditional players need a deep understanding of the changing environ- ment and coherent strategies to compete. Partici- pants in this session gain a deeper understanding of the changing retail environment and insights to apply to their respective strategies. Margaret Weichert Principal, Financial Services, Ernst & Young Supply Chain Fraud Necessitates Authentication for Everyone Time: 11:15 a.m. – 12:15 p.m. Room: Crystal N-Q Track: Risk, Compliance & Fraud Prevention Level: Advanced A new fraud scheme targets business associates of financial institution customers. A fraudster com- promises the email account of a vendor and sends a legitimate-looking invoice to a company. The company initiates a payment through a channel that authenticates the payer, yet the outgoing payment is nonetheless the result of fraud. These transactions are difficult to identify as fraudulent until it’s too late. Participants in this session learn about the expanding need for authentication, usefulness of relatively low-tech factors to authenticate payment requests and use cases for implementing these factors. Devon Marsh SVP, Treasury Management & Internet Services Risk & Compliance, Wells Fargo Cross-Border P2P: Embracing Change Time: 11:15 a.m. – 12:15 p.m. Room: Grand 9-10 Track: World Payments Viewpoint Level: Advanced Many treasurers find cross-border payments confusing, inefficient and expensive, particularly with new regulatory compliance and associated costs. However, these payments carry great opportu- nity, and the key lies in innovation and cooperation among banks, mature networks and private markets. Learn how global networks can be leveraged in light of enhanced regulatory focus on consumer protec- tion and the critical importance of form factor for customer experience. Hear a unique perspective on how cross-border payments are being enabled downstream through correspondent banking relationships and corporate credit unions. Attendees are encouraged to share their experiences with cross-border payments. Jon Budd Senior Vice President, Sales, LendingTools.com Jorge Jimenez Director, Retail Payments Office, Federal Reserve Bank of Atlanta @JorgeJimenezUSA Sean Carter, AAP VP, Risk & Compliance, NEACH @liftingemup Customer Research: Small Business Owner Views on Payment Options Time: 11:15 a.m. – 12:15 p.m. Room: Grand 11-12 Track: Payments Strategies Level: Intermediate Understanding how small business clients view electronic payments is critical successfully engaging them and influencing their behavior. Get a glimpse into the minds of small business owners regarding their payment practices and how they view new electronic alternatives in this session. Participants gain insights from recently conducted in-depth focus groups on which payment methods small business owners use and when, emotional ties to paper checks, the top reasons they would use an e-Check option, and how they perceive the “anytime, anywhere” promise. Christopher Clausen Director, North American Payments & Transactional Solutions, Deluxe Corporation Benefits of Bank Co-Opetition Time: 11:15 a.m. – 12:15 p.m. Room: Grand 13-14 Track: Payments Strategies Level: Intermediate Collaboration is imperative in business, but its benefits do not stop at the individual level. Participants in this session gain a pragmatic view, drawn from real experience and hard facts, of how financial institution collaboration and co-opetition can deliver transformative value for the involved institutions and their clients. Hear how two financial institutions created a mutually beneficial business case by working together in a way that is distinct from sourcing solutions from traditional vendors, and how they continue to evolve the governance structure to exceed customer expectations. Bobby Carney Director, Citibank N.A. @bobcar68 Joyce O’Connor Vice President, State Street Corporation @jocpayments Monday, April 7 https://payments.nacha.org I 1-800-487-9180 17 MONDAY Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 17
  18. 18. Adapting Lessons from Retail Payment Security for Commercial Clients Time: 11:15 a.m. – 12:15 p.m. Room: Canary 1-2 Track: Risk, Compliance & Fraud Prevention Level: Intermediate Advancements in financial technology typically migrate from retail banking to commercial banking at a slow but steady pace. The continuing threat of account takeover and the potential for substantial associated losses have revealed that currently relied upon solutions are ineffective and that improvement is undoubtedly necessary. Participants in this session hear strategies that financial institutions can imple- ment to successfully transition different commercial client segments to modern payment security solutions, while controlling costs and maintaining strong customer satisfaction. Alphonse Pascual, CFE Senior Analyst, Security, Risk & Fraud, Javelin Strategy & Research Chuck Rogers Vice President, Greenwich Associates Developing an Open Standard to Protect Customer Account Information Time: 11:15 a.m. – 12:15 p.m. Room: Canary 3-4 Track: Mobile Banking & Payments Level: Intermediate In light of the growing threats of cyber attacks and data breaches, financial institutions and merchants strive to ensure sensitive account information is secured and consumer confidence maintained. As customers shift from physical plastic cards toward digital payments, new approaches are required to secure against new generations of cybercriminals. This session examines current industry efforts to detect and mitigate against advanced cyber threats and reviews technologies to protect sensitive consumer account data. Attendees learn about specific initiatives including the cybersecurity partnership and the Secure Token Exchange effort. David Fortney SVP, Product Development & Management, The Clearing House @davefortney John Carlson Executive Vice President, BITS, Financial Services Roundtable Networking Lunch in the Exhibit Hall Time: 12:15 p.m. – 1:30 p.m. Educational Session in the Exhibit Hall The Payments Map: A Profit Pools Model for the Payments Industry Time: 12:45 p.m. – 1:15 p.m. Room: PAYMENTS 3D Theater Track: Exhibit Hall Education Sessions Join experts from GCI, McKinsey’s payments intelligence group, as they lead a discussion around the latest trends in retail payments. This interactive session will draw on GCI’s proprietary market research, including the most recent Consumer Financial Life Survey and the Payments Map model. Taken together, they provide an unmatched comprehensive view of the payments industry, with details on specific consumer payment habits and data on volumes, flows, revenues, and costs across payment types. Participants will walk away with an understanding of how to use the Payments Map to evaluate strategic payments initiatives, benchmark industry volumes and profitability, understand market potential, and hold candid conversations about retail payments innovation based on the latest industry trends. Aaron Caraher Expert, McKinsey & Company Evan Long Senior Analyst, McKinsey & Company CONCURRENT SESSIONS BEGIN Keeping the Bank Account at the Center of Payments Time: 1:30 p.m. – 2:30 p.m. Room: Crystal G Track: World Payments Viewpoint Level: Intermediate Payment methods are evolving and prove challenging to financial institutions. As consumer behavior changes, new players enter the payments market, and new technologies arise, the payments industry as a whole is undergoing a dramatic shift. This shift threatens the financial institutions account’s hold at the center of payments. If financial institutions are not flexible enough to provide the innovative services that future generations require, bank accounts could lose their relevancy to con- sumers and businesses. Financial institutions need to understand the impact that payments convergence, alternative accounts, mobile payments, automated account switching, and real-time payments have on consumer and corporate expectations, and they will need to leverage these trends to keep the bank account central. Moderator: Samantha Carrier Senior Director, Advanced Payments Solutions, NACHA - The Electronic Payments Association Casey H. Wilcox SVP, Head of Payables & International Product Management, Capital One Dr. Leo J. Lipis Managing Director, Lipis & Lipis GmbH @llipis Mary Ann Francis Executive Advisor, Wipro, LTD Monday, April 7 18 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 MONDAY Sponsored by Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 18
  19. 19. Strategic Perspectives on Serving the Unbanked & Underbanked Time: 1:30 p.m. – 2:30 p.m. Room: Crystal H Track: Payments Strategies Level: Advanced There are many theories as to why individuals use financial institutions versus pawnshops and payday lenders. The Office of Community Development of the 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 to understand what decisions made St. Louis house- holds use or not use financial institutions. Partici- pants in this session hear what the study reveals of how financial institutions, community members and alternative financial services providers interact in ways that seem rational when considered separately, yet together create unintended consequences. Moderator: Ann-Marie Bartels, AAP Chief Executive Officer, EPCOR Paul Woodruff VP, Community Development, St. Louis Community Credit Union Suzanne Hough Community Development Officer, Carrollton Bank, Illinois Yvonne S Sparks AVP & Community Development Officer, Federal Reserve Bank of St. Louis Advancements in Mobile Payment Technologies & Authentication Time: 1:30 p.m. – 2:30 p.m. Room: Crystal A-C Track: Mobile Banking & Payments Level: Intermediate A myriad of technologies have emerged to support mobile payments including competing technologies such as NFC, QR codes and sound wave. Wide- spread adoption is highly dependent on ease of use by all stakeholders. Further complicating the choice is the imperative to support dynamic authentication as data security and fraud protection grow to para- mount importance for online transactions. Multi- factor authentication is endorsed by the FFIEC guidelines as best practices for risk mitigation. Yet, usability remains a key factor in determining which method of authentication to implement. Partici- pants in this session learn about the latest develop- ments in technologies supporting mobile payments and efforts to promote secure transactions using dynamic authentication. Moderator: Maria T. Arminio President & CEO, Avenue B Consulting, Inc. @marmiABC Peter Tapling President & CEO, Authentify, Inc Wade Edwards Senior Vice President, Sales, Mobile Authentication Corporation Virtual Identity, Anonymous Payments & the Shadow Internet Time: 1:30 p.m. – 2:30 p.m. Room: Crystal N-Q Track: Risk, Compliance & Fraud Prevention Level: Advanced Virtual identity, social media and ubiquitous connec- tivity are reshaping the world and a new paradigm of perceived anonymity has emerged. This phenome- non is disrupting the financial space globally by changing relationships and destroying risk models through the creation of mobile, alternative and often anonymous, payment systems. While fostering innovative and sometimes positive societal change, it can be used by criminal and extremist elements as exemplified by the international dismantling of Lib- erty Reserve. Participants in this session learn how the good and bad aspects of this new frontier are changing the payments business, and what it means to their organizations. Scott Dueweke Director, Identities & Payments, Agilex Smart Approaches to Reach Smart- Enabled Customers Time: 1:30 p.m. – 2:30 p.m. Room: Grand 9-10 Track: Mobile Banking & Payments Level: Intermediate With an average of 3.5 credit cards plus two other accounts, and increasingly equipped with smart mobile devices with numerous payment and com- merce apps, consumers are on the go an ready to transact. To get past the noise of the countless e- Mail offers and mobile alerts, new capabilities sup- ported by the latest versions of the Apple iPhone and Google Nexus enable merchants to couple Blue- tooth Low Energy with geo-targeting to cut through the noise and reach truly “mobile” customers with relevant, real-time deals. Participants in this session discover how these innovations can be leveraged to generate sales for their companies. Matthew A. Goldman Co-Founder & CEO, Wallaby Financial @magoldman Lessons in Disaster Recovery: A Corporate & Financial Institution Partnership Time: 1:30 p.m. – 2:30 p.m. Room: Crystal D-F Track: Risk, Compliance & Fraud Prevention Level: Intermediate Disaster recovery and business resiliency planning are critical to a company’s risk management strategy and require close cooperation and planning between a business and its financial institution in the area of payments. In 2012 alone, there were several natural disasters that affected numerous businesses and citi- zens in the U.S. and across the globe. Participants in this session hear how one organization planned and executed against its disaster recovery plan, learning how the pieces of the plan came together and how it was designed to ensure resiliency across internal and external clients and employees. Participants gain an understanding of how planning played out in the successful deployment of two organization’s business continuity plans. Adi Raviv EVP & CFO, Strategic Funding Source, Inc. Colleen J. Taylor, CCM EVP, Head of Treasury Management & Enterprise Payments, Capital One Beyond EMV: Security Through Analytics Time: 1:30 p.m. – 2:30 p.m. Room: Crystal K-M Track: Card-Based Opportunities Level: Intermediate By leveraging multiple sources of data including deposit activity, card activity and ATM transactions, high profile card issuers can efficiently and accu- rately pinpoint compromised accounts. Participants in this session learn how new analytics go beyond EMV to reveal a more comprehensive profile of con- sumer activity. The alternative security approach offers benefits to financial institutions, merchants and consumers. Robert Hill VP, Market Strategy, Early Warning Services, LLC Timothy A. Webb SVP & Director Everyday Banking Fraud Management, RBS Citizens Bank Monday, April 7 https://payments.nacha.org I 1-800-487-9180 19 MONDAY Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 19
  20. 20. Empowering Customers with Billing, Payment & Usage Alerts Time: 1:30 p.m. – 2:30 p.m. Room: Grand 11-12 Track: Corporate Payments Solutions Level: Intermediate Today’s customers demand actionable information at their fingertips. When billers empower and inform customers, they can increase customer loyalty and satisfaction and low-cost behavior. Participants in this session learn how to deliver relevant billing, payment and usage alerts to customers using the appropriate form of contact at just the right time. April Bingham Customer Service Manager, Billing, DC Water Phil Spradlin Product Marketing Manager, ACI Worldwide 2014: The Year to Clean Up Consumer Bill Payment Time: 1:30 p.m. – 2:30 p.m. Room: Grand 13-14 Track: The ACH Network & the NACHA Operating Rules Level: Intermediate Consumer bill payment exceptions (defined as a biller’s inability to properly apply a payment credit to a customer’s account) are bad for customer service and they cost the industry nearly $800 million per year according to a study commissioned by NACHA. Worse, both the volume and the rate of bill payment exceptions are increasing. The majority of these exception payments are originated by bank- ing and related third party channels. Over the years, banks and third parties have developed practices to help mitigate exceptions, but these typically require bilateral agreements between the originating and biller parties and are labor intensive. The purpose of this session is discuss the goals and status of a new proposal - the Bill Payment Exception (BPE) Convention - and the opportunity for implementing a standardized industry approach – leveraging the ACH Network – to mitigate bill payment exceptions. Moderator: Robert Unger, AAP Senior Director, E-Billing & Payments, NACHA - The Electronic Payments Association Brandee Bevan Director, Payment Services, Capital One Kathy Romano Executive Director, Bill Print, Payment & AR Operations, Verizon Steve Hooper, AAP, CTP SVP, Payment Strategy, iPay Solutions Walking the Fine Line of Innovation in Payments Time: 1:30 p.m. – 2:30 p.m. Room: Canary 1-2 Track: Payments Strategies Level: Intermediate The payments ecosystem continues to undergo dramatic change. Participants in this session hear how a solution provider and regional bank view the environment as they explore payment innovations that have been adopted as well as those on the horizon. Speakers juxtapose the technological possibilities of payment innovation against the operational realities. John Wilson, CTP Vice President, Retail & Commercial Payment Solutions, FIS Uma Wilson, AAP, CTP SVP & Director, Product Management & Development, UMB Bank, n.a. State Licensing Issues for ACH-Based Payment Products Time: 1:30 p.m. – 2:30 p.m. Room: Canary 3-4 Track: Risk, Compliance & Fraud Prevention Level: Intermediate Much of payments innovation is driven by collaborative relationships between technology providers and financial institutions. The mere involvement of a financial institution in a product is not sufficient to insulate technology providers from the impact of payments regulation, including state licensing. Care must be taken in structuring products and relationships so that all parties understand where regulatory lines are drawn. Participants in this session are provided with a review of various models for payments ventures and the implications these models have for regulatory oversight. David E. Teitelbaum Partner, Sidley Austin LLP INDUSTRY AGENDA Gamifying Financial Services: The Millennials, Gen X & Institutions Location: Palms Ballroom Time: 2:45 p.m. – 3:45 p.m. Everything we know about the financial services industry 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 get the customer of the future off their phones for long enough to care about finance and the future. The solution: gamification - a powerful new approach to driving loyalty and engagement that is changing the financial employee, customer and strategic landscape with extraordinary speed. Join author and designer Gabe Zichermann for this fast-paced session that will show you how, when and why gamification will revolutionize the top and bottom line, and everything in between. Gabe Zichermann Chair, GSummit Refreshment Break in the Exhibit Hall Time: 3:45 p.m. – 4:30 p.m. Monday, April 7 Sponsored by 20 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 MONDAY Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 20
  21. 21. Educational Session in the Exhibit Hall How to Improve Your Organization’s Social Media Profile Time: 3:50 p.m. – 4:20 p.m. Room: PAYMENTS 3D Theater Track: Exhibit Hall Education Sessions Level: Intermediate Companies are turning to Twitter, Facebook, LinkedIn and other social marketing platforms to offer deals, promote products and services, and reach out to customers old and new. But, in the fast-mov- ing internet world can these platforms continue to serve over the long haul, and what will be the next platform? Participants in this sessions hear directly from a Social Media Strategist on how the next gen- eration of social media can help foster your organiza- tions profile. Shannon Paul VP, Social Media, Fifth Third Bank CONCURRENT SESSIONS BEGIN Data Monetization in the Payments Industry Time: 4:30 p.m. – 5:30 p.m. Room: Crystal G Track: Payments Strategies Level: Intermediate The payments industry continues to be ripe for dis- ruptive innovation. The ability to monetize data may be one of the major disruptors going forward and those who fail to capitalize on this opportunity may soon be at a disadvantage. Participants in this session learn about opportunities and challenges for various parties holding data, key drivers for success, critical considerations and the potential for monetiz- ing data into discreet revenue streams. Nathan Hilt Product Director, PwC (PricewaterhouseCoopers LLP Dimpsy Teckchandani Director, PwC (PricewaterhouseCoopers LLP)) Leveraging Mobile to Bring Financial Services to the Underbanked Time: 4:30 p.m. – 5:30 p.m. Room: Crystal D-F Track: Payments Strategies Level: Intermediate Nearly one-third of the American population relies on 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 in this session learn how one credit union is using mobile banking and mobile deposit capabilities to provide access to high-quality financial products and services to underserved consumers and how mobile technology is combating poverty. Moderator: Andrew Tilbury Chief Marketing Officer, Bluepoint Solutions Richard Campbell Chief Financial Officer, HOPE Credit Union Scot Slay Vice President & Marketing & Communications Director, HOPE Credit Union Increasing Customer Engagement in Authentication Time: 4:30 p.m. – 5:30 p.m. Room: Crystal K-M Track: Card-Based Opportunities Level: Intermediate Customers’ desires have changed in terms of safety when using bank-issued credit or debit cards in virtual channels. Participants in this session explore how issuers can leverage rewards programs to engage customers in authentication in the post-EMV world. Bruce Poore Senior Vice President, Financial Institution Services, CardinalCommerce Corporation Michael A. Keresman III Chief Executive Officer, CardinalCommerce Corporation Monday, April 7 The Gatekeeper Paradigm Time: 4:30 p.m. – 5:30 p.m. Room: Crystal H Track: Risk, Compliance & Fraud Prevention Level: Advanced The payments system in the U.S. relies upon finan- cial institutions to serve as gatekeepers. Regulations and payment system rules require financial institu- tions to know their customers and third parties and warrant that the payments they introduce are authorized. Is this paradigm working? After some level setting of the current legal and regulatory regime that is designed to prevent misuse of the pay- ment system, participants in this session hear pan- elists discuss recent media events, regulatory actions and legislative proposals that suggest the gatekeeper paradigm may not be sufficient. Panelists share their views on whether the gatekeeper paradigm needs to be changed, and if so, how and what the business and policy implications of such changes would be. Moderator: Alaina Gimbert SVP & Associate General Counsel, The Clearing House Joe W. Hussey Executive Director, J.P. Morgan Monica Vaca Assistant Director, Division of Marketing Practices, Federal Trade Commission Paul K. Holbrook Associate General Counsel, HSBC Bank USA, N.A. Richard W. Burke, Jr., CCM EVP, Corporate Products & Services, TD Bank, N.A. Mobile Bill Payment & Presentment (MBPP) Insights for Billers Time: 4:30 p.m. – 5:30 p.m. Room: Crystal A-C Track: Corporate Payments Solutions Level: Intermediate Adoption of mobile bill payment doubled last year and yet only one-third of companies surveyed report having a mobile bill pay strategy. Many billers view mobile as an enabler of customer self-service, eBilling and bill payment via ACH. With this rapid growth in mobile transactions and dynamic techno- logical changes, it requires companies in all indus- tries to understand what consumers want and what leading firms are providing today and tomorrow. Participants in this session benefit from a discussion of the comprehensive findings from the Second Annual Mobile Bill Pay Benchmark Study and the Sixth Annual Consumer Household Survey, which feature key observations on consumer adoption and actionable insights for biller strategies and deployment. Edward Bachelder Director, Research, Blueflame Consulting, LLC @EdBtext Eric Leiserson Senior Research Analyst, Fiserv https://payments.nacha.org I 1-800-487-9180 21 MONDAY Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 21
  22. 22. The Case for Debit Card Remittance Time: 4:30 p.m. – 5:30 p.m. Room: Crystal N-Q Track: Card-Based Opportunities Level: Intermediate The Durbin Amendment has fundamentally changed the revenue model on interchange for financial institutions. The change also brings about opportunities to enhance customer payment chan- nels and capabilities. Participants in this session hear the case for accepting debit card remittance in the new Durbin world — the hurdles, key assumptions and ultimate outcomes for adding it as a payment option across all customer segments. Brandee Bevan Director, Payment Services, Capital One Brett Dickey Card Payment Analysis & Services, Capital One Ryan Cope Expert, McKinsey & Company The Changing Face of Cross Border Payments Time: 4:30 p.m. – 5:30 p.m. Room: Grand 9-10 Track: World Payments Viewpoint Level: Intermediate The traditional world of cross-border payments is rapidly evolving as regulatory change affects the landscape in various countries, regions and economic blocks and more consistent best practices are adopted globally. Participants in this session learn about the dynamics in cross-border payments today and their significance to financial institutions and their customers in our increasingly inter-connected world. Kunal Bist Cross Border Payments Product Manager, North America, Citibank N.A. The Apps Have It: Accelerating Cash Flow for Small Business Time: 4:30 p.m. – 5:30 p.m. Room: Grand 11-12 Track: Mobile Banking & Payments Level: Intermediate Getting paid and making payments keep small businesses going. Financial institutions that can make the process easier can keep payments revenue from small businesses in-house and out of the pockets of non-bank competitors. Participants in this session hear what research tells us about how small businesses want to interact with financial institutions and the tools and channels they are likely to use now and into the future. Learn how to keep payments bank-centric while speeding up settlement, leveraging loyalty programs and managing receivables and payables from anywhere, at any time. Brian Collins SVP, eBanking & Payments Services Director, Enterprise Bank Vicki O’Connor VP, Product Management Business Services, Fiserv Crystal Low SVP, Sales Manager, Treasury Management, Zions Bank Corporate Priorities for Payments Time: 4:30 p.m. – 5:30 p.m. Room: Grand 13-14 Track: Corporate Payments Solutions Level: Intermediate Financial institutions and other payment service providers need to understand what their customers want. Participants in this session hear panelists delve into the top priority issues to provide insights for improving existing services and identifying potentially new services of value to corporates. Learn what the results of recent surveys and other activities indicate about payment priorities from the corporate perspective. Gain deeper understanding as corporate practitioners share personal experiences with current treasury and related initiatives within their companies, and offer additional insights into how corporates prioritize their own time in managing the bank and vendor. Moderator: David C. Robertson Partner, Treasury Strategies, Inc. @globalbanking Anita S. Patterson, CTP Director, Treasury Services, Cox Enterprises, Inc. @globalbanking Daniel W. Ellecamp, AAP, CTP Treasury Consultant, AAA NCNU Rue A. Jenkins AVP, Treasury, Costco Wholesale Tips for Cutting Edge ePayments & eRemittance Solutions Time: 4:30 p.m. – 5:30 p.m. Room: Canary 1-2 Track: Corporate Payments Solutions Level: Intermediate Businesses that rely on checks are pleasantly surprised to learn how easy and beneficial it is to switch to electronic payments and remittance alternatives. Participants in this session hear first- hand from corporate practitioners about decisions that improved accounts payable systems, streamlined customer remittances, sped up incoming receipts and resulted in innovative disbursement practices. Case studies outline the actions businesses took and highlight the lessons they learned, while talking about cost and other benefits they realized. Efforts by the all-volunteer, grassroots Remittance Coalition to overcome barriers and educate B2B trading partners are discussed. Moderator: Claudia S. Swendseid Senior Vice President, Federal Reserve Bank of Minneapolis Carole M. Hunt Assistant Treasurer, Director, Ameren Services Center, Ameren Services Sandra Roth Manager, Trade Financial Management, Johnson & Johnson Leveraging the ACH Network for P2P Payments Time: 4:30 p.m. – 5:30 p.m. Room: Canary 3-4 Track: The ACH Network & the NACHA Operating Rules Level: Intermediate Person-to-person (P2P) payments offer financial institutions solutions that leverage the ACH Network, while expanding the portfolio of services they offer clients. Participants in this session learn the benefits of offering P2P services, how to mitigate risk management and security challenges and the WEB credit for ACH P2P payments rule. Moderator: Kathy Levin, AAP Senior Director, Advanced Payment Solutions, NACHA - The Electronic Payments Association Louise C. Clynes Group VP, Money Movement Products & Digital Channel Management, SunTrust Bank Terri P. Sands, AAP SVP, Payments Oversight & Fraud Management, State Bank & Trust Company Monday, April 7 22 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 MONDAY Pay2014_Onsite_7B_PAY2012 3/7/14 2:37 PM Page 22
  23. 23. https://payments.nacha.org I 1-800-487-9180 23 MONDAY Co-Sponsored by Monday, April 7 Monday Night Celebration Time: 6:30 p.m. – 8:30 p.m. Buses depart in front of the World Center Marriott. 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 Universal CityWalk® at Universal Orlando® Resort. Take a trip to New Orleans at Pat O’Brien’s® (hosted by ACI Worldwide) or explore the home of the king of reggae at Bob Marley–A Tribute to FreedomSM . Enjoy three themed rooms and a huge dance floor at the grooveSM and take the stage at CityWalk’s Rising Star (hosted by EastPay). It’s an entire evening of fun, food and celebration. This event is open to all conference attendees. Be there! Shuttles will depart from the Convention Center Entrance at the Marriott, directly across from Registration. 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 rights reserved. Universal elements and all related indicia TM & © 2014 Universal Studios. All rights reserved. Social Media Tips for PAYMENTS 2014 PAYMENTS2014 is social media friendly, allowing conference goers to connect with one another in person and online. Follow the event hashtag to gain additional insights from fellow attendees and to stay up to date on the latest conference happenings. And be sure to tweet your pictures, feedback and questions to the official PAYMENTS 2014 Twitter account: @NACHA_PAYMENTS Conference hashtag: #PAYMENTS2014 Conference Twitter account: @NACHA_PAYMENTS PAYMENTS 2014 LinkedIn group: http://bit.ly/PAYMENTS2014 Sample tweets: I’m heading to a session about ___________ at #PAYMENTS2014! I can’t wait to see ____________ speak about ________ today. #PAYMENTS2014 Was so glad to see ___________ at tonight’s #PAYMENTS2014 networking event. Pay2014_Onsite_7B_PAY2012 3/7/14 2:38 PM Page 23
  24. 24. Tuesday, April 8 24 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 TUESDAY Registration Open Time: 7:30 a.m. – 5:30 p.m. Location: Palms Ballroom Foyer Continental Breakfast Time: 7:30 a.m. – 8:00 a.m. Location: Crystal Ballroom Atrium CONCURRENT SESSIONS BEGIN Are Bank Innovations Meeting Salient Consumer Needs? Time: 8:00 a.m. – 9:00 a.m. Room: Crystal J Track: Spotlight Speaker Series Level: Advanced In a candid conversation about retail banking innovation, this distinguished panel takes a critical look at changes in consumer payments habits, the evolution of electronic payments, and the strategic implications for banks. The discussion is based on insights from GCI’s latest survey research tracking consumer financial behavior and payment habits. The proprietary data goes beyond public informa- tion, is geographically and seasonally adjusted, and includes timely details on U.S. consumer bill pay- ment methods, economic circumstances, use of credit cards, and banking relationships. The latest trends and true drivers of changes in payment habits can be derived from this data, providing answers to such all-important strategic questions as: Are bank innovations meeting salient consumer needs? Are they leading to more profitable customer behavior? How can banks create value through self-service channels (mobile banking)? Moderator: David C. Stewart Senior Expert, McKinsey & Company Robert Steen Chief Executive Officer, Bridge Community Bank Dominic Venturo Chief Innovation Officer, Payment Services, U.S. Bank Using Artificial Intelligence to Improve Your Compliance Processes Time: 8:00 a.m. – 9:00 a.m. Room: Crystal H Track: Risk, Compliance & Fraud Prevention Level: Advanced Although financial institutions have had fraud and anti-money laundering (AML) control programs in place for quite some time, they are under enormous pressure to conform to strict regulatory requirements. Of growing concern, for example, is the sheer num- ber of Suspicious Activity Reports (SARs) that must be filed in a complete, sufficient and timely manner. This session explores how global financial institu- tions are using artificial intelligence to improve compliance processes, meet regulatory reporting requirements, and free up scarce resources to focus on strategic investigatory work. Participants hear case studies of how automated SAR reporting has helped a large global remittance company accelerate filing processes and reduce risk, in addition to how a corporate compliance team has been able to identify patterns of behavior and areas of risk driven by business rules and best practices, leading to improved employee and vendor fraud risk management. Kris Hammond Chief Scientist, Professor, Artificial Intelligence Expert, Narrative Science Case Study: Automating Renewals of ACH Origination Agreements Time: 8:00 a.m. – 9:00 a.m. Room: Crystal A-C Track: The ACH Network & the NACHA Operating Rules Level: Advanced Automating renewals of ACH origination agree- ments not only expedites the process significantly, it can result in an enhanced customer experience, error reduction and better internal and external audit reports. Participants in this session learn from the experience of a financial institution that has automated agreement renewals and is successfully meeting due diligence requirements to ensure that Originators and Third-Party Senders are able to ful- fill their obligations in compliance with the NACHA Operating Rules. Gain an understanding of the operational challenges of completing the due diligence process, the steps taken and the lessons learned in automating the ACH service renewal and the new customer setup process. Joseph Casali, AAP, NCP Vice President, NEACH @jcasali Ravi Vakacherla First Vice President, Treasury Management & Digital Channels, People’s United Bank Enterprise Risk Management in Today’s Global Business Landscape Time: 8:00 a.m. – 9:00 a.m. Room: Crystal D-F Track: Risk, Compliance & Fraud Prevention Level: Advanced In today’s world, global-level risk assessment is a concern for all major organizations – especially those involved in any form of money movement. A risk profile that serves as the framework for how key critical risks are identified and managed is critical. Participants in this session receive a holistic view of an enterprise risk management model and frame- work for global money movement and compliance; encompassing the development process to the iden- tification of risks from operational, legal and compli- ance, information technology, strategy and financial and reporting perspectives. Kristin S. Walle, AAP, CTP VP, Global Money Movement & Compliance, ADP, Inc. Whatever You Do, Wherever You Go Somebody is Watching You Time: 8:00 a.m. – 9:00 a.m. Room: Crystal K-M Track: Mobile Banking & Payments Level: Advanced Security for mobile retail payment models that use NFC, cloud, barcode and hybrid technologies is perhaps the least understood area of security among parties in the value chain. Examining the transac- tion lifecycle end-to-end offers a holistic way to understand the security concerns and measures one should consider. Participants in this session gain insight into the role that all of the parties play in the transaction as they are lead through various use cases to understand the threats and vulnerabilities throughout the transaction lifecycle, the probability of these vulnerabilities and potential mitigations. Moderator: Susan M. Pandy, Ph.D. Director, Payment Strategies, Federal Reserve Bank of Boston Javed Chaudry Director, Global Mobile Payments, Citibank N.A. Sarab Sokhey Executive Advisor, Verizon Wireless Sébastien Taveau Chief Evangelist, Synaptics, Inc. @frogtwitt Pay2014_Onsite_7B_PAY2012 3/7/14 2:38 PM Page 24
  25. 25. Tuesday, April 8 https://payments.nacha.org I 1-800-487-9180 25 TUESDAY The Intersection Between Payment Risk Management & BSA/AML Compliance Time: 8:00 a.m. – 9:00 a.m. Room: Crystal N-Q Track: Risk, Compliance & Fraud Prevention Level: Advanced In many financial institutions, payment risk management and BSA/AML compliance responsi- bilities are located in different departments. Some of these responsibilities, such as KYC and reporting fraudulent transactions are often very similar. Recent actions taken by the OCC and the FDIC highlight why financial institutions need to integrate payment risk management and BSA/AML compliance func- tions. Attendees will learn how FIs can best coordi- nate these activities to reduce the risk of litigation and financial penalties. Moderator: Elliott C. McEntee President & CEO, Payment Advisory Service BJ Lewis, CPA, CRCM, CIA VP, Product Development, Laru Technologies Diane Blangsted SVP, BSA & Senior Compliance Officer, Independent Bankers Bank of Florida Case Study: Bringing Payment Processing Technology Full Circle Time: 8:00 a.m. – 9:00 a.m. Room: Grand 9-10 Track: Payments Strategies Level: Intermediate Managing multiple platforms to process different payment types can be challenging and costly. Common obstacles include fraud complexity, risk and compliance management, data storage redun- dancy, and cumbersome employee and customer training. In this session attendees hear how financial institution transcended siloes to enable the process- ing of all payment types through a single payment hub, and how this afforded it redundancy elimina- tion, improved customer service, and a more efficiency use of resources and expertise. Debbie Smart, CTP, NCP SVP, Product Management, Aptys Solutions Wendy Stanford, AAP Senior Vice President, Operations, Bankers' Bank Same Day ACH: Lessons & Perspectives from Other Geographies Time: 8:00 a.m. – 9:00 a.m. Room: Grand 11-12 Track: The ACH Network & the NACHA Operating Rules Level: Advanced Same-Day ACH continues to be debated amongst industry 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 and why other geographies addressed the underlying need, the hard decisions that were made, the impact on financial institutions and the national system, and perspectives of financial institution customers. Participants also hear reflections on what being a potentially distant follower means competitively for U.S. in the global payments arena. Liz Oakes Principal Advisor, Payments & Transaction Banking, KPMG Rene Pelegero President & Managing Director, RPGC Group LLC Adoption of ISO 20022 Standards in the Global Payments Markets: What is the U.S. Doing? Time: 8:00 a.m. – 9:00 a.m. Room: Grand 13-14 Track: The ACH Network & the NACHA Operating Rules Level: Advanced Key global markets are implementing ISO 20022 messaging standards in their payments market infra- structures. The U.S. has taken initial steps in using ISO 20022 — e.g., the NACHA International ACH Transaction (IAT) format and the Fedwire/ CHIPS Extended Remittance Information fields. In 2013, the Federal Reserve Banks, TCH, NACHA and ASC X9 funded a business case analysis to assess the potential adoption of ISO 20022. Hear the con- clusions of this assessment and provide your own view on the roadmap the U.S. community should develop when considering adoption of ISO 20022 message formats in the payments market. Richard Dzina Senior Vice President, Federal Reserve Bank of New York Roy C. DeCicco, CCM Managing Director, J.P. Morgan Russ Waterhouse EVP, Product Development & Strategy, The Clearing House Refreshment Break in the Exhibit Hall Time: 9:00 a.m. – 10:00 a.m. Time: 9:05 a.m. - 9:45 a.m. Visit the PAYMENTS 3D Theater and get introduced to the forward thinking, out-of-the-box disrupters who are changing our world. PAYMENTS 3D offers a glimpse into the next wave of payments industry innovations and challenges. See demos, ask questions and talk directly to these trailblazers. Ripple Labs Narrative Science Sonavation AXISKEY CONCURRENT SESSIONS BEGIN The Disruptors: Challenging the Banking Status Quo Time: 10:00 a.m. – 11:15 a.m. Room: Crystal G Track: Payments Strategies Level: Intermediate Financial institutions have more competition now than ever before as viable alternatives continue to emerge. New payments and non-bank players are building on top of financial institutions’ investments and are threatening to further disrupt the relation- ships financial institutions have with their customers or members. Participants in this session obtain a detailed picture of the disruptors in banking and pay- ments and the impact new entrants are having and hear why disruptive innovations are necessary and critical to advancing the digital banking status quo. Gary Greenwald Managing Director, Digital Money Services, Citibank N.A. Jacob Jegher Senior Analyst, Celent, LLC Yaron Samid Chief Executive Officer, BillGuard Pay2014_Onsite_7B_PAY2012 3/7/14 2:38 PM Page 25
  26. 26. Legal & Regulatory Environment for the Electronic Payment Order (EPO) Time: 10:00 a.m. – 11:15 a.m. Room: Crystal H Track: Risk, Compliance & Fraud Prevention Level: Advanced A critical component of the ongoing industry debate of the potential role of the EPO in the payments ecosystem is anchored in the lack of legal and regulatory clarity. The existing framework of rules, laws and regulation that govern checks do not take into account the EPO and the applicability of the Electronic Funds Transfer ACT (EFTA) and Regulation E are uncertain. Participants in this session are provided with an examination of the legal and regulatory environment for the EPO, gaps and concerns in the current framework and prospects for change including legal workarounds. Moderator: Richard M. Fraher VP & Counsel to the RPO, Federal Reserve Bank of Atlanta Duncan Douglass Partner, Alston & Bird LLP Stephanie Martin Associate General Counsel, Board of Governors of the Federal Reserve System Thomas A. Fox Partner, Schwartz & Ballen LLP Payments Going Global: Insights into a Changing Landscape Time: 10:00 a.m. – 11:15 a.m. Room: Crystal A-C Track: World Payments Viewpoint Level: Advanced Changing global payment standards are impacting corporates around the world. Three industry innovators review global systems and how new payment standards influence innovation. Discussion topics include BitCoin, XML, SEPA, Global ACH and their rapid integration and dependence upon world economies. The growth of capabilities enabled by third-party Providers, such as PayPal and Square, along with banks, underscores the need to simplify a complex and changing set of challenges, which include faster settlement time, return item chal- lenges, unlimited right of reversal, and F/X. Participants gain insight into options for executing payments in the global economy, making them faster, better and cheaper. Lisa Hrabosky Global Core Payments, PayPal, Inc. Rene Pelegero President & Managing Director, RPGC Group LLC Steven E. Bernstein Executive Director, ACH/Global ACH Marketing/Product, J.P. Morgan The Road to eReceivables: From Outsourced Lockbox to Electronic Payments Time: 10:00 a.m. – 11:15 a.m. Room: Crystal D-F Track: Corporate Payments Solutions Level: Intermediate TF Cornerstone has made a bold move of bringing its lockbox in-house. Promoting its EBPP offering to increase check processing efficiency and has achieved a 50 percent adoption rate. Participants in this session learn from the speakers’ experience of implementing a streamlined strategy that success- fully pushes EBPP adoption, reduces costs and increases benefits for companies, their customers and financial institutions. Andrew Gerstein Senior Vice President & Treasurer, TF Cornerstone Laurette DelGuercio Chief Marketing Officer, Transactis, Inc. Laurie Olson Product Manager, Wells Fargo Building the 3D Global ACH Puzzle Time: 10:00 a.m. – 11:15 a.m. Room: Crystal K-M Track: World Payments Viewpoint Level: Intermediate As the payments landscape changes and becomes more global, companies and individuals expect easier, lower-cost and traceable ways to make payments across the globe. Participants in this session learn how assembling multidimensional pieces can help them overcome challenges and obstacles to achieve global ACH success. Processing models, evolving technologies and new entrants to the market that create winning opportunities are examined. Nancy Atkinson, CCM Senior Analyst, Aite Group @nancyaite Paula J. Rowe VP & Senior Product Manager, PNC Bank Rossana F. Salaris, AAP Director, Payment Strategy, Dovetail Clarifying Third Party Roles & Responsibilities Time: 10:00 a.m. – 11:15 a.m. Room: Crystal N-Q Track: The ACH Network & the NACHA Operating Rules Level: Intermediate New business opportunities in the ACH Network have led to expanded Third-Party Service Provider and Third-Party Sender roles. Today, third parties are performing roles in ACH processing that were not contemplated at the time they were first addressed in the NACHA Operating Rules, and there is sometimes a blurring of roles between third parties and Originators. For example, an entity can be a Third-Party Sender for one set of transactions and an Originator for another set of transactions. Partici- pants in this session learn more about the roles and responsibilities of third parties in ACH transactions so that all participants have a common understand- ing of their respective obligations. Moderator: Pamela T. Rodriguez, AAP, CIA, CISA Executive Vice President, EastPay, Inc. Amy Leslie, AAP VP & ACH Product Manager, J.P. Morgan Suzanne Rodman SVP & Director, Operations, CNLBank Payments Collection Success Story: A Win/Win Proposition Time: 10:00 a.m. – 11:15 a.m. Room: Grand 9-10 Track: Corporate Payments Solutions Level: Intermediate Like their private sector counterparts, governmental entities seek to solve business problems and realize tangible benefits by adopting electronic collections solutions. Participants in this session hear how Johnson County, Kansas implemented a payments collection solution to increase efficiency, enhance the customer service experience and provide con- sumers/taxpayers with payments options. Consumer- facing organizations of various types can adopt and apply lessons and insights from this experience. Greg Baldwin Deputy Treasurer, Johnson County Kansas Uma Wilson, AAP, CTP SVP & Director, Product Management & Development, UMB Bank, n.a. Tuesday, April 8 26 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014 TUESDAY Pay2014_Onsite_7B_PAY2012 3/7/14 2:38 PM Page 26

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