ACH 101
0 p.m. - 3:00 p.m.
Workshops
Regency B

This introduction to the ACH Network provides a basic understanding of the network transaction flow and settlement, and participant roles, relationships and responsibilities. The spectrum of ACH entry types designated by Standard Entry Class (SEC) Codes is described with distinctions drawn between payment and non-payment entries, debit (collection) and credit (disbursement) payments, traditional and emerging applications. Speakers conduct a tour of the ACH Rule Book to familiarize attendees with the construct of the document and the purpose of the various sections of the NACHA Operating Rules and Guidelines. This workshop takes a general approach suitable for ACH novices from any organization.

Debbie Barr AAP, CTP
Senior Director of Network Rules, NACHA - The Electronic Payments Association
Bradley W. Smith AAP
Director of Network Services, EastPay, Inc.

eCheck Basics
1:00 p.m. - 3:00 p.m.
Workshops
Columbus EF

This workshop introduces participants to the four check-to-ACH conversion transactions: BOC, ARC, POP and RCK, as well as WEB and TEL, in which the check is used as a source document for eCheck payment initiation. The NACHA Operating Rules and relevant regulations are discussed, and the responsibilities, obligations and liabilities of the parties to these transactions are examined. Business case, implementation, and operational issues are explored, with specific attention to notice requirements, authorization, identification, exception item handling, and verification procedures. Discussions include effective risk management techniques and current business opportunities for the ACH electronic check applications.

Elizabeth A. Cronenweth AAP, CTP
Product Line Manager, Financial Services, Sterling Commerce, Inc.
Kathy Levin AAP
Senior Vice President, GACHA
Kerry Sellen AAP
VP, Electronic Payment Processing, First Data Corporation

Card Payments 101
1:00 p.m. - 3:00 p.m.
Workshops
Columbus IJ

This workshop is your entree to card payments. Basic concepts, models, transaction flows, and terms are introduced. Distinctions are made between debit and credit instruments, signature and PIN-based debits, commercial and consumer applications, and the various card associations and networks. The evolving business environment is examined, encompassing emerging technologies, legal and regulatory issues, risk management, transaction volumes and trends, and the competitive environment. Financial institution and merchant perspectives and issues are discussed.

Kelley R. Klenda
Card Services Director, Mid-America Payment Exchange

Inside the ACH File: A Walk on the Technical Side
1:00 p.m. - 3:00 p.m.
Workshops
Columbus KL

This hands-on workshop removes the mystery of ACH technical standards. The speaker takes participants through an exercise of writing an ACH file without the assistance of software or a computer. Learn about ACH file and data specifications, code values, field definitions and requirements, record layouts, and much more. Participants should be able to walk away from this workshop with the technical understanding needed to be able to look into an ACH file for details. Attending this workshop is a must for anyone supporting ACH services, those studying to take the AAP test, or individuals desiring to bring their ACH knowledge closer to the expert level.

Charles E. Floyd Jr. AAP
SVP, Education Services, Payments Resource One

ACH for the Corporate Originator
1:00 p.m. - 3:00 p.m.
Workshops
Acapulco

This workshop examines the responsibilities, liabilities, risks, and operational considerations of the Originator, its relationships with the Receiver and the Originating Depository Financial Institution (ODFI) -- as defined in the NACHA Operating Rules -- and practical concerns as experienced by the Originator in its business environment. The discussion also includes the use of a third-party by the Originator and how that impacts liability, risk, contracts, and the relationship with the ODFI.

William Bley AAP
President & CEO, Northwest Clearing House Association
Jeanette Pilie AAP, CCM
First Vice President, HSBC Bank, USA

Risk Management Primer
1:00 p.m. - 3:00 p.m.
Workshops
Columbus A-D

Understanding and effectively managing risk is crucial for all participants in the payments system. This workshop offers an introduction to the types of risk and how they relate to the various stakeholders across payment mechanisms. The evolving risk landscape is explored and guidance imparted regarding the current thinking on managing risk. Best practices, techniques, and tools are explained.

Ralph R. Joy
SVP, Treasury Management Operations, PNC Bank

Navigating the Payments System Today & Into the Future
1:00 p.m. - 3:00 p.m.
Workshops
Columbus G

This immersion workshop features a generalist approach (somewhere between 20,000 and 50,000 feet) to the payments system today and looking toward the future. It promises to deliver on the pledge "everything you wanted to know about the payments system, but were afraid to ask." If you need to know what constitutes the payments system today, its relevance to commerce and society, and important developments shaping future payments innovation, this workshop is for you. Discover how it works, where it is going, and what it means for you and your organization. Whether you are truly a novice or just need to bone up on the current and future payments environment, this workshop offers high-level value.

Claudia Swendseid
Senior Vice President, Federal Reserve Bank of Minneapolis

Bank Secrecy Act (BSA) Basics
1:00 p.m. - 3:00 p.m.
Workshops
Columbus H

The Bank Secrecy Act (BSA) has evolved significantly from its humble beginnings three and a half decades ago to its current status as "THE" compliance challenge for the financial services industry. BSA compliance is proving to be as important in ACH operations as any other part of operations within the financial institution, given the expanding focus of enterprise-wide compliance. While institutions increase their efforts on identifying and managing the risks associated with their high-risk clients, entities, products, services, and geographies, the "tenured" responsibilities of the BSA remain critically important to the success of the institution's BSA compliance program. Geared towards the novice, this workshop examines the basic ingredients of the BSA and reviews key expectations and requirements of its various components.

Mark W. Dever AAP
Senior Consultant, Professional Bank Services, Inc.
Carol R. Van Cleef
Partner, Bryan Cave, LLP

Sunday Workshop Refreshment Break
Sunday, 3:00 p.m. - 3:30 p.m.

Regency Ballroom and Columbus Hall Foyers

ACH 201
3:30 p.m. - 5:30 p.m.
Workshops
Regency B

This workshop builds upon the principles addressed in ACH 101. Speakers drill down into more complex concepts and provide a more detailed examination of the nuances of the NACHA Operating Rules as they apply to payment origination and receipt, risk management, Rules compliance and enforcement, and exception processing. Operational, legal, and business aspects are explored, and insights into best practices are also shared. Specific attention is paid to the warranties, liabilities, and responsibilities surrounding ACH participation. Distinctions are drawn between commercial and consumer customer considerations, ODFI and RDFI perspectives, and the use of third-parties.

Sean Carter AAP
Director of Education & Rules Development, NEACH
Patricia Presta AAP
VP, Education & Communication, Western Payments Alliance

Global Payments Immersion
3:30 p.m. - 5:30 p.m.
Workshops
Columbus EF

This workshop offers a concise and comprehensive crash course on global payments. Concepts such as payment method alternatives, risk management, foreign exchange, message standards, and regulatory issues are covered. Key terms, players, and industry developments are explained. Whether you are employed by a company with international disbursement and/or collection needs, or by a financial institution that is addressing the global payment needs of its customers, this workshop equips you with a solid understanding of what global payments are and what they mean to your organization.

Jane Hennessy
Senior Vice President, Wells Fargo
Alan Koenigsberg
Vice President, JPMorgan Chase

The Nuts & Bolts of Remote Deposit Capture
3:30 p.m. - 5:30 p.m.
Workshops
Columbus IJ

This in-depth workshop examines the technical components of remote deposit capture, including "thin" vs. "fat" clients, scanner features and functionality, determining end-user needs, routing issues and solutions, remittance processing options, and workflow enhancement via external system integration. This workshop is geared towards financial institutions and corporates that have embarked on the due diligence processes of RDC solution providers and want to get down to the "nitty gritty" of how to craft the optimal product offering. Business case development, implementation considerations, and agreements are also addressed.

Larry De Palma CTP
President & CEO, TDG/Phenix, Inc.

Beyond FFIEC Compliance: Authentication & Authorization
3:30 p.m. - 5:30 p.m.
Workshops
Columbus KL

The transaction environment has changed and the bar has been raised. This workshop offers a comprehensive examination of authentication and authorization applicable across payment types for both corporate (merchant/biller) and financial institution audiences. Authentication and authorization are two very critical, distinct, but not unrelated concepts in the payments environment. Understanding your responsibilities and obligations, as well as the consequences to your organization and your customers is imperative. This workshop helps you to master these concepts, understand the underlying business processes, and grasp the related requirements, expectations, decision points, and management practices.

Steve Klebe
VP, Strategic Alliances, RSA, The Security Division of EMC
Susan Pandy
Director, Internet Commerce, NACHA - The Electronic Payments Association

The ACH Audit: Beyond Appendix Eight
3:30 p.m. - 5:30 p.m.
Workshops
Acapulco

Are there holes in your ACH audit? If you have completed your audit according to Appendix Eight of the ACH Rule Book, could you still be at risk? The answer is "Yes"! Let the experts show you how you can go beyond the stated requirements and fill in the gaps so your financial institution is on solid ground. Speakers explain the audit requirements contained in Appendix Eight, but then take you one step further and look at audit controls, tips in performing the audit, and best practices which your organization may want to consider putting into place to help avoid unnecessary penalties or fines.

Amy J. Fisher AAP
Audit Services Director, Upper Midwest ACH Association
Luann S. Kohlmann AAP
Trainer/Auditor, WACHA - The Premier Payments Resource

Understanding & Applying Regulation E
3:30 p.m. - 5:30 p.m.
Workshops
Columbus A-D

If your business processes entail the transacting of electronic payments with consumers, whether you are employed by a financial institution, third-party, or corporate or public sector user, you had better understand what Regulation E means to your organization. Consumer protection and adherence with the regulation constitute the "third-rail" of payments. Violate public trust and the consequences not only affect you, but the industry at-large. Learn what Regulation E means and the significance of recent changes. Explore what compliance entails, and the ramifications of your practices. This workshop relates the provisions of the regulation with the real-world business environment.

Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Gary B. Nesbitt AAP
SVP, Administration & Training, EastPay, Inc.

Making the Business Case for Accepting Card Payments
3:30 p.m. - 5:30 p.m.
Workshops
Columbus G

Participants in this workshop, geared toward a corporate audience, explore the pros and cons of beginning a card acceptance program. Learn about the PCI standards and what they mean to your company. Understand critical fraud mitigation and risk management considerations and measures. Hear about interchange, from the technical, financial, and legal perspectives. Discover how this payment type has made it possible for the corporate treasurer and corporate credit manager to take other risks and costs out of their organizations, and improve their overall working capital management.

Dan L. Kelsey
Senior Vice President, Bank of America
Peggy Yankovich
Senior Vice President, Bank of America

Business Continuity & Contingency Planning
3:30 p.m. - 5:30 p.m.
Workshops
Columbus H

This workshop covers the strategy, tactics, and benchmarks needed to make business continuity and contingency planning produce the needed outcomes that the planning demands in the first place. Additionally, case studies of both micro-event and comprehensive disaster events are used to frame current efforts. Finally, key metrics and milestones in the discipline are introduced as benchmark attributes for each attendee to compare his or her own organization's efforts and expenditures against selected peer groups in financial and corporate applications.

Michael J. Alfonsi CTP
Managing Director, AnalyticResults

Monday, April 16

Monday Continental Breakfast
7:00 a.m. - 8:00 a.m.
Regency Ballroom and Columbus Hall Foyers

Bolstering Customer Care & Awareness for BOC
8:00 a.m. - 9:00 a.m.
eCheck
Regency A

Consumer education about Back Office Conversion (BOC) has been identified as a key implementation issue by the NACHA Board of Directors. Reducing impacts to financial institution customer care staff and raising consumer awareness and acceptance of BOC are two primary goals of the BOC Education Task Force. Learn about all the communications, resources, and tools that were developed for organizations serving as consumer "touch points" -- financial institutions, retailers, and processors. Deliverables from this effort include customer service training, best practice tips, and consumer-focused take-aways. Understand the importance of delivering consistent and accurate information and how to access and utilize these valuable resources in your organization.

Peter Hohenstein
SVP, GTS Industry Development, Bank of America
Terri Pelle Sands AAP
President, GACHA
Mark Tizzard
Payments Strategies Director, Wachovia Bank, N.A.

A Workout for the Aspiring AAP
8:00 a.m. - 9:00 a.m.
Automated Clearing House
Regency B

So, you are contemplating sitting for the Accredited ACH Professional (AAP) exam, but you are not quite sure if you will be ready this October? Are you intimidated by what it takes to earn and retain the accreditation? You just might need some coaching. This session explains the purpose and value of the AAP designation and the continuing education process. Guidance is provided for exam preparation, as is direction for acquiring the appropriate tutelage from your Regional Payments Association. You might not have to drop and give 'em 50, but the coaching staff delivers an AAP workout. Feel the burn -- it is worth it!

Jennifer Gatts AAP
Director of Training, Payments Central
Pamela Rodriguez AAP
Executive Director, Alabama ACH Association

Exploiting the New Economics of Alternative Payments
8:00 a.m. - 9:00 a.m.
The Payments Biz
Regency C

The bank-controlled portion of the payments business has been stuck in neutral for years; the biggest banks are struggling to keep signature-based cards front-and-center as preferred options for new markets and applications. But as we have seen with ACH, image convergence, and the proliferation of known-account-based alternative payment types, the ability to convert billions of new cash and paper check transactions comes much more readily through innovative business models and technologies. This session takes a comprehensive new forecasting model for the migration to electronic payments and quantifies the enormous upside business opportunity for all but perhaps the very largest financial institutions. Obtain a complete overview of the retail payments business, with forecasted market growth and product shifts; understand how the structure of the payments industry currently inhibits provision of alternative payments; examine the forces that are challenging these barriers, beginning with profound changes in consumer behavior; and consider strategies for how smaller financial institutions can foster this transition and take advantage of the new economics of competing in this all-important sector.

Steve Mott
Principal, BetterBuyDesign

Best Practice: Fraud Prevention Through Collaboration
8:00 a.m. - 9:00 a.m.
The Payments Biz
Regency D

To effectively deter, detect, and limit fraud losses it is essential that financial institutions collaborate, taking a holistic approach to fraud prevention both enterprise-wide and as an industry. By putting aside competitive differences and working together to share information and best practices, we can achieve far greater reductions in fraud than we could have ever imagined on our own. In this session, speakers discuss case studies in which these practices have been employed and share best practices and lessons learned.

Kent Ailes AAP, CTP
AVP, Risk Management, Arizona Federal Credit Union
Russ Chacon
SVP, Business Development, Early Warning Services, LLC
Shirley Inscoe
SVP, Payment Strategic Directo, Wachovia Bank, N.A.

Paper to Electronic: The Journey & the End Game
8:00 a.m. - 9:00 a.m.
The Payments Biz
Columbus AB

Gain a complete end-to-end evaluation of the impact of the "expiration of paper" on the payments business in this holistic look at the transition. Presenters provide a snapshot of the paths traveled since Check 21 was enacted, evaluate different strategies and their resulting successes, explore the remaining work to be achieved, and provide a futuristic, but achievable, vision of the impact of the rapid explosion of electronic channels to financial services payments' landscape in 2011. Topics covered include the impact of ACH developments on payment strategies, the necessary steps associated with creating more competitive differentiation among payment channels, and an attainable five year outlook on the payments landscape.

Rusty Carpenter
Chief Strategy & Business Development Officer, Viewpointe
Ward H. Gailey
Senior Vice President, SunTrust

The Road Ahead: Opportunities in Large Value Payments Systems
8:00 a.m. - 9:00 a.m.
Global Focus
Columbus CD

Recent research by the Federal Reserve and The Clearing House Payments Company shows a growing preference among U.S. companies to make electronic payments to business and trading partners, but a lack of standards is holding back the migration from paper checks to electronic transactions for B2B payments. This session details new research that highlights the importance of a single remittance information standard to reconcile invoices and provides an update on the progress of straight-through-processing initiatives Participants will: Survey data and focus research on the state of wire-transfers in the banking industry Examine the preferences of corporations for wire and ACH payments Examine the active effort between The Clearing House and the Federal Reserve to create a single U.S. remittance information standard that can eventually be used globally

Henry C. Farrar
President & COO, CHIPS
Ken Isaacson
Assistant Vice President, Federal Reserve Bank of New York

Best Practices in Cash Application
8:00 a.m. - 9:00 a.m.
Corporate Payments Solutions
Columbus EF

Increasing electronic payment volume can be challenging when legacy and disparate systems are processing accounts receivable data. This session examines the best practices in trading partner enablement, examples of good and bad ACH Record and EDI addenda data, and common business rules for payment processing and handling ACH credits, ACH rejects, and return processing. Attendees obtain essential information to successfully implement automated cash applications and reduce exception handling.

Greg Born
ACH Coordinator, Cingular Wireless
Leila Puglisi CTP
AVP, Product Management, Mellon Financial Corporation
Karen E. Weir CTP
Assistant Vice President, Mellon Financial Corporation

Transforming Payment Choices: Learning from Transportation
8:00 a.m. - 9:00 a.m.
Card Solutions
Columbus GH

Historically, Chicago's economic success has been intimately tied to its unique role as a transportation center for the country. Keeping abreast of changing payment technologies has forced the area to adopt electronic payment mechanisms for transportation in the last several years. The Illinois Tollway Authority's (Tollway) IPASS is an RFID device that allows toll payment at full highway speed. The Chicago Transit Authority (CTA) has followed suit by introducing contactless card payments on all of its trains and buses. Both authorities have pushed users to adopt these devices by charging them a premium if they choose to continue to pay with cash. With an already large installed base of IPASS users, the Tollway may be able to leverage this technology to implement congestion pricing to smooth traffic patterns. Discover how these programs were successfully implemented to include a broadly diverse-economic range of users and explore how these closed-loop payment applications can expand their network by opening up to more applications.

Michael Bolton
Deputy Executive Dir., Strategic Svcs., Pace
Richard D. Porter
VP & Senior Policy Advisor, Federal Reserve Bank of Chicago

Implementing & Supporting ARC: A Mid-Market Case Study
8:00 a.m. - 9:00 a.m.
eCheck
Columbus IJ

This session helps you understand best practices in implementing and supporting ARC in the utility industry. Among the topics addressed are contending with potential public utility commission issues, handling administrative returns, opt-out procedures, and customer service support. The speakers discuss rolling out the program and overall customer satisfaction. Finally, they explore how ARC impacted other electronic check and electronic lockbox programs.

William Attinello
Senior Treasury Manager, Verizon Wireless
Steven E. Bernstein
Vice President, JPMorgan Chase
Dennis Dallimore
Senior Staff Customer Service Specialist, Entergy Corporation
Rhonda Lapara
Manager, Payment Processing, Entergy Corporation

Managing Your Vendor with SLAs, Audits & Compliance Management
8:00 a.m. - 9:00 a.m.
Corporate Payments Solutions
Columbus KL

SAS70, Sarbanes, FIDICIA, USAP, and internal audit are all part of the reason for the evolution of a vendor manager's toolbox. What used to be an annual site visit of a vendor that included checking doors and cameras has become annual SLA and compliance audits, quarterly operational audits, and monthly and weekly SLA management. Checking the doors at your vendor's facility has evolved into ensuring that there is unique site security based on business need and clearance, and that eMails are encrypted if they contain customer data. Other details to consider include verifying that associates are provided annual privacy training, business continuity plans are in place and tested, and that your vendor has security cameras present and that those devices are operational. This presentation is from the view of the customer managing a vendor and provides basic ideas for auditing tools as well as examples of metrics and formulas used to complete a reward/penalty structure in a service level agreement.

Scott Lathrop
Cash Operations Manager, GMAC Mortgage

Changing Business Models & the Card Business Impact
8:00 a.m. - 9:00 a.m.
Card Solutions
Acapulco

Within the past couple of years, the card industry has seen significant business model changes amongst its major players -- MasterCard went public, VISA changed its Board makeup to include non-financial institutions, American Express and Discover made headway into financial institutions as issuers, and First Data spun off Western Union, to name a few. What effects have these changes made on key business metrics, such as interchange pricing, product development, industry cooperation, cross-channel payments topics, and others? How should financial institutions view these changes and adjust their strategies accordingly? This session not only addresses these topics, but also sheds some light on what they all mean to your bottom line.

Paul Tomasofsky
President, Two Sparrows Consulting, LLC

Checks, Clicks & Convergence: Serving Corporations & Consumers
9:15 a.m. - 10:15 a.m.

Grand Ballroom

NACHA is honored to welcome keynote speaker Pete Kight, who shares his insights on areas of critical interest to payments system stakeholders including convergence of the check and ACH channels, challenges and opportunities in the corporate and consumer sectors, and international payments developments.

Steve M. Ellis
Executive Vice President, Wells Fargo
Peter J. Kight
Chairman & CEO, CheckFree Corporation
Elliott C. McEntee
President & CEO, NACHA - The Electronic Payments Association
James Van Dyke
Founder & Principal Analyst, Javelin Strategy & Research

Exhibit Hall Grand Opening & Monday Morning Refreshment Break
10:15 a.m. - 11:00 a.m.
Riverside Center

Recent Developments in Electronic Payments Law
11:00 a.m. - 12:00 p.m.
The Payments Biz
Regency A

Presenters in this session discuss legal issues raised by current innovations in electronic payments law, including recent amendments to the NACHA Operating Rules; prospects for a "New Uniform Payments Code" law reform project; updates on state and Federal regulations concerning Internet risks and authentication standards; challenges to electronic payments from business method patent infringement claims; and regulation of emerging technologies such as mobile or contactless payments.

Jane Larimer
General Counsel & SVP, ACH Network Services, NACHA - The Electronic Payments Association
Jane K. Winn
Professor of Law, University of Washington

A Windy City Whirlwind: The New ACH Rules
11:00 a.m. - 12:00 p.m.
Automated Clearing House
Regency B

Do not let amendments to the NACHA Operating Rules leave you swaying in the wind! This session is sure to keep your organization's feet firmly planted by identifying the new Rules changes and discussing their impact to your organization. Understand what steps you need to follow to ensure that you are ready to comply with the sudden gust of new NACHA Operating Rules.

Kimberly W. Rector AAP
Director of Education & ACH Services, MACHA - The Mid-Atlantic Payments Association

mCommerce: A Call to Action
11:00 a.m. - 12:00 p.m.
The Payments Biz
Regency C

The convenience of your own mobile phone, the overwhelming growth in text messaging as a form of communication and the almost 100% adoption rate of mobile phones in our society all add up to one thing. Namely, that there is a growing demand in this country to having banking become another service available to a person using their phone including paying bills, accessing balances and statements, monitoring transaction alerts, reloading stored value cards, purchasing prepaid wireless, transferring money, and text-to buy. Following the lessons of history, sooner or later the mobile channel will experience the focused fraud attacks that the credit card industry experienced in the eCommerce channel and the online banking channel. What measures will be necessary to make the mobile channel secure and to keep it secure? This session will focus on what is happening currently in the mobile marketplace and what the expected outlook is in the United States. Thought provoking questions are asked about how this enormous and rapidly growing distribution channel will change how banks interact with customers.

Robert Craig
General Manager & EVP, Online Resources Corporation
Tim Sherwin
Executive Vice President, CardinalCommerce Corporation
Mark Troughton
President, Cards and Network, Green Dot Financial Corp.

Check Truncation & Conversion from the Treasurer's Point of View
11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Regency D

Check 21, Remote Deposit Capture, ARC and BOC -- how does the corporate treasurer decide between these payment options? This session compares and contrasts these four collection methods in terms of relative strengths and weaknesses along the lines of implementation complexity, ease of use, speed of collection, risk factors, cost of deployment and operations, customer impact, requirements for collection and presentment, etc. Gain valuable insight and guidance for assessing the options and making decisions for your corporate treasury needs.

Mark Webster CPA CCM
Partner, Treasury Alliance Group, LLC

A Promising Path to STP: XML & the ISO Standards
11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Columbus AB

Companies, banks and software providers are frustrated by the existence of a multitude of payment standards that make it more difficult to integrate B2B payments and remittance information. Consequently, inefficiencies, errors, and delayed processing are experienced by both payers and payees, especially with international payments. The bottom-line impact can be thousands, even millions, of dollars annually. The ISO 20022 standards seek to address this problem. Hear how this XML-based, corporate-to-bank payment message has been adopted by the International Standards Organization and accepted by many others as standards organization converge. Understanding "20022" will benefit your company's future payments strategy.

Susan Colles CPA, CBA
Senior Vice President, Bank of America
Claudia Swendseid
Senior Vice President, Federal Reserve Bank of Minneapolis
Robert Blair CCM
Vice President, JPMorgan Chase
Donald Davis
Systems & Business Solutions Manager, Intel Corporation
Leonard Schwartz
Director, LaSalle Bank

Building a National Payments System from Scratch
11:00 a.m. - 12:00 p.m.
Global Focus
Columbus CD

This session features a distinguished panel in a review of a multi-year project to rebuild the payments system of an emerging economy in order to achieve fundamental national economic goals. The Kyrgyz Republic, an emerging economy in Central Asia and a former Soviet Republic, is in the process of implementing a multi-year installation of key payment systems including a bulk clearing system, card processing system, real-time gross settlement system, and a new central bank general ledger. The goal of the project is the overall improvement of the economy by significantly increasing bank accounts and bank deposits. Panelists explore the key elements of the program and lessons that can be applied by other emerging economies. Interesting observations on payment system evolution in mature economies such as the U.S. are shared as well.

Christopher J. Haney
Founder, Politzer & Haney
Shamil Aidarkulov
Chief Accountant, The National Bank of the Kyrgyz Republic
Chinara Imankulova
Member of the Board of Governors, The Nat'l Bank of the Kyrgyz Republic
Richard R. Oliver
EVP & Retail Payments Product Manager, Federal Reserve System
Svetlana Sarybaeva
Head of Methodology & Analysis Division, The Nat'l Bank of the Kyrgyz Republic

eBills: How Billers & Banks Are Partnering to Drive Adoption
11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Columbus EF

Electronic bills have been touted as a win-win for both corporate billers and banks allowing companies to save money on postage and printing while increasing customer profitability and loyalty. However, the number of consumers receiving bills online has trailed the number of consumers who pay online. This session explores how corporate billers and banks are working together to move consumers from paper to electronic bills. This session features representatives of two corporate billers and a large bank who discuss how they are overcoming the challenges inherent in replacing paper bills with eBills. Topics addressed include customer education, customer safety/control fears, promotion and marketing, branding, and driving sustained adoption momentum.

Michelle Flint
VP, Group Executive, CheckFree Corporation
Angeline DePauw
Director, Electronic Remittance Processing, Verizon Communications
Laurie Profilio Sass
VP, eCommerce Marketing, Bank of America

A Comprehensive ACH Network Risk Management Strategy
11:00 a.m. - 12:00 p.m.
Automated Clearing House
Columbus GH

A comprehensive set of steps have been identified and are being pursued to enhance the management of risk end-to-end through the ACH Network. Collectively, these initiatives are intended to reduce unauthorized entries through a combination of tighter enforcement and audit practices, and through economic incentives and penalties appropriately scaled to underlying activity. This session delivers an overview of this robust strategy and addresses the implications for ACH participants and the intersecting business processes.

Peter Hohenstein
SVP, GTS Industry Development, Bank of America
Ian W. Macoy AAP
Managing Director, Network Dev. & Risk Management, NACHA - The Electronic Payments Association
Dennis Simmons AAP
President & CEO, SWACHA - The Electronic Payments Resource

Multiple eCheck Options: How Much are Banks Willing to Invest?
11:00 a.m. - 12:00 p.m.
eCheck
Columbus IJ

The current check processing system is efficient and profitable for banks. Yet the banking industry is beginning to implement many new solutions for processing checks, from point-of-sale to back office conversion to ARC and image exchange. With check volumes in decline, how can banks cost justify multi-billion dollar investments in all of these technologies? Assuming strong demand for some options, will banks be able to quickly meet demand with services that are cost effective and secure, with good customer service? In this session, participants are asked to look past the early activity and hype surrounding individual eCheck solutions and examine check processing from an overall, strategic position.

Margaret Bost
Director, Financial Industry Marketing, Diebold, Inc.
Leon Majors
President, Phoenix ESP Payments Research Group

In the Mind of a Fraudster
11:00 a.m. - 12:00 p.m.
The Payments Biz
Columbus KL

In the multi-billion dollar industry that fraud has become, criminals have learned to stay one step ahead of prevention efforts. The nature of their ever evolving schemes leave financial institutions grasping to stay on top of the latest fraud plots to avoid financial losses and the erosion of consumer confidence. If only there was a way to learn what these criminals are thinking, how they are organized and where they might strike next in an effort to mitigate the risk and prevent future attacks. This session delves deep into the mind of a former world-renowned fraudster who is now working with law enforcement to prevent crime. This informative discussion provides intriguing details on how fraud and identity theft has been perpetrated in the past, the nature of social engineering, what is different today that makes it easier than ever for criminals to commit such schemes, and where it might be headed in the years to come. Attendees learn what methods are working to protect the payments landscape today, making it tougher on criminals and safer for consumers. It also highlights how financial institutions can prepare today for the fraud schemes of tomorrow.

Gwenn Bezard
Research Director, Aite Group
Ori Eisen
Founder & CEO, The 41st Parameter
Kevin Mitnick
Founder, Mitnick Security Consulting, LLC

Payments & Finance Meet the Supply Chain
11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Acapulco

The supply chain is the hot growth target for banking services delivered to corporations. Payments, finance, and trade services meet the supply chain in corporate processes such as order-to-cash (receivables) and procure-to-pay (payables). Speakers in this session present primary research findings on what North American corporations want from banks in terms of integrated financial supply chain services and how they view the benefits and drawbacks. The research also provides insights on bank market leaders and those in the middle of the pack as they plan, approach, and execute integrated finance, payables and receivables strategies in domestic and international arenas. Organizational, functional, and technological issues and opportunities identified in the research are analyzed.

Jim Gahagan
Global Industry Executive, Sterling Commerce, Inc.
Maggie Scarborough
Research Manager, Corporate Banking, Financial Insights, an IDC Company

Monday Luncheon in the Exhibit Hall
12:00 p.m. - 1:15 p.m.

Riverside Center

Optimizing the Payments Mix: A Recipe for Success
1:15 p.m. - 2:15 p.m.
eCheck
Regency A

With the variety of payment processing options available, how can merchants, billers, and government agencies determine the mix of solutions to offer that best serves the organization and its customer? This panel discussion features seasoned entities that have gone through that process for their consumer payment needs. Speakers discuss and critique available options, share experiences with evaluation, selection and implementation, and offer insights on customer service, operations, and other support matters. Risk management, security, and fraud issues are examined. Guidance is offered to get you through the process, along with tips on managing your bank or service provider, and on how to monitor performance and adjust the mix on an ongoing basis.

Edward Labry
President, Commercial Services, First Data Corporation
Anthony Caranna
Telecommunications Manager, City of Denton
Mike Cook
VP & Assistant Treasurer, Wal-Mart Stores, Inc.
Lary Sinewitz
Executive Vice President, BrandsMart U.S.A.

NACHA Online Payments Pilot: Next Generation of Online Payments
1:15 p.m. - 2:15 p.m.
Automated Clearing House
Regency B

Innovators in the payments arena continue their work with NACHA on the Online Payments Pilot -- an initiative to test online transactions in which consumers will be authenticated by their own financial institutions, and initiate secure, private electronic payments via their financial institutions' online banking platforms. The Pilot will test consumer bill payments, purchases and account-to-account funds transfers. Learn more about this exciting project. Subject areas explored include: - Product features for today's marketplace -- privacy, security and payment guarantee - Pilot participants -- who have signed on and why - Pilot plan -- next steps and rollout - Pilot evaluation criteria

Samantha Carrier
Senior Director, Advanced Payments Solutions, NACHA - The Electronic Payments Assoc.
Garry Hedges
VP-Director of Payments Strategy, Synovus Financial Corporation

Delivering Targeted Payment Products for Small Businesses
1:15 p.m. - 2:15 p.m.
The Payments Biz
Regency C

Today's small business customer seems to constantly get handed off between the retail, commercial, and loan businesses. Regardless of where you place them, they likely do not fit. Speakers in this session explore how to meet the payment needs of the small business customer, tracking them as they evolve though various stages of their business life cycle. Learn ways to segment small business customers, match payment products to the evolving small business customer, and manage this process across institutional lines.

Louise C. Clynes
Manager Product Management, Digital Insight, an Intuit company
Kimberly Prieto
Corporate Strategy Manager, Digital Insight, an Intuit company

Digesting the OCC Risk Management Guidance for ACH Activities
1:15 p.m. - 2:15 p.m.
Automated Clearing House
Regency D

The value a bank will derive from its ACH program is directly proportional to the quality of the board's strategic planning and the effectiveness of its ACH risk management program. In September 2006, the Office of the Comptroller of the Currency (OCC) issued guidance on managing the risks of ACH activity against a backdrop of banks engaging in new ACH activities without enhancing existing risk management systems and controls. The OCC bulletin outlines the key components of an effective ACH risk management program, charging that all banks should use this guidance to develop an ACH risk management program that reflects the nature and complexity of their activities. The guidance is comprehensive and articulates the elements of an effective risk management program, including risk management systems and controls, reporting to the Board of Directors, ACH audit, assessment of credit risk, underwriting standards, exposure limits, use of third-parties, and an assessment of high-risk activities. In order to maximize the benefits of ACH activities, banks should implement an effective process for managing the associated risks.

Carter Messick
Lead Information Technology Expert, Office of Comptroller of the Currency
Steven Minor
National Bank Examiner, Midsize Bank Supervision, Office of Comptroller of the Currency

Enterprising Payments: Why Payment Hubs Make Sense
1:15 p.m. - 2:15 p.m.
Corporate Payments Solutions
Columbus AB

A growing number of technology vendors are offering various enterprise payment solutions to their commercial bank customers, but in some cases corporate users of payments are ahead of their banks in implementing true payment hubs. This session looks at the pros and cons of payment hubs from both a banking and a corporate perspective, and examines why payment hubs have become a topic of conversation for users and providers of payments technology.

Jim Furry CTP
Director, Treasury Operations, PPL Corporation
Mark Webster CPA CCM
Partner, Treasury Alliance Group, LLC

Electronic Format Standards: What Makes Them "Standard"?
1:15 p.m. - 2:15 p.m.
Global Focus
Columbus CD

NACHA, EDI, EDIFACT, BAI, ISO 15022, ISO 20022, FedWire -- each of these represents rules that allow one application to communicate with another application preferably without human intervention. What makes a standard "standard"? In this , presenters explain the process of establishing a "standard" from the inception. Presenters walk attendees through the steps of when the need for standardization is recognized, through development of the standard and its completion. The current status of several new standards in various stages of the development process are reviewed, including innovative XML formats to be used for SEPA.

Dominick Delle Penna CTP
Director, Deutsche Bank
James Wills
Head Trade Standards Development, SWIFT

Consumers Unplugged: The Continued Growth of Walk-In Payments
1:15 p.m. - 2:15 p.m.
Corporate Payments Solutions
Columbus EF

In addition to Internet and phone payments, non-bank providers including direct billers, money service businesses, and retail outlets rely heavily on walk-in bill payments as a means of collecting funds. Today, walk-in bill payments represent a significant portion of the recurring bill payment market in the United States. At the current rate of growth, more than $80 billion in walk-in bill payments are expected to be processed by 2009. Is your organization prepared to meet the demand of this tremendous opportunity? What are the costs and processes surrounding the various solutions for customers, merchants, and billers? This session examines what is necessary for an organization to implement a successful walk-in bill payment solution. Benefits such as growth in revenue, increased ability to reach under-banked consumers, and allowing opportunities to up-sell and cross-sell are also discussed.

Patricia Frazier
VP, Product Management, Western Union
Elizabeth Robertson CCM
Research Director, TowerGroup

Cash Management: Ripe for Innovation & Advancement
1:15 p.m. - 2:15 p.m.
The Payments Biz
Columbus GH

Financial institutions are being plagued with a disturbing metric-waning cash management revenue growth. This poses a risk to the bottom line and indicates that new and innovative cash management features and functionalities are required to differentiate institutions and provide new streams of revenue. This session provides an overview of the latest cash management technology trends. The state of cash management solutions are examined through a different lens, distinguishing core cash management capabilities from complementary, innovative functionalities. Speakers cover three distinct levels of advancement that financial institutions are working toward: core cash management enhancements (e.g., advanced payments features, remote deposit capture), greater effectiveness (e.g., administration functionalities, multi-channel alerts, security capabilities), and enrichment of customer experience (e.g., customer relationship strategy initiatives, interface customization). This case study illustrates how a financial institution grew its cash management business through the use of innovative advanced features and functionalities. A solution overview, description of advanced functionalities, lessons learned, and business benefits are highlighted.

Jacob Jegher
Senior Analyst, Celent, LLC
Milton Santiago
SVP, Electronic Banking Products, LaSalle Bank

The Masks of Electronic Fraud
1:15 p.m. - 2:15 p.m.
The Payments Biz
Columbus IJ

Electronic fraud is increasingly the favored means for criminals of all types -- from low-skilled individuals to sophisticated criminal organizations -- to obtain access to bank and financial accounts. This session, presented by a leading U.S. Department of Justice expert on fraud and identity theft, describes and illustrates the principal "masks" (i.e., methods and techniques) that criminals use to commit electronic fraud, including identity theft, ATM fraud, counterfeit checks, computer intrusion, malicious computer code, and insider compromise. It also identifies some of the principal responses that law enforcement has devised to combat electronic fraud, and suggest certain strategies that financial institutions, corporations, and merchants may want to consider in devising fraud prevention and detection measures. Attendees are able to better recognize traditional and cutting-edge methods and techniques for electronic fraud to appropriate anti-fraud practices and procedures to counteract these methods and techniques, and to understand which law enforcement agencies are likely to be of greatest assistance in investigating electronic fraud.

Nicola Mrazek
Trial Attorney, Fraud Section, Criminal Division, U.S. Department of Justice

An Evolving Payment Strategy
1:15 p.m. - 2:15 p.m.
Corporate Payments Solutions
Columbus KL

T-Mobile has focused on increasing subscriber payment options while reducing payment processing costs. It is a constant balancing act of being everywhere for customers while not increasing costs. With over 30,000 payment locations, the company has reduced the average cost of payment processing. Hear how T-Mobile has been successful by providing customer convenience while successfully containing payment processing costs.

Darold Stroud
Director, Financial Operations, T-Mobile USA

The Prospects for General Purpose Prepaid Cards
1:15 p.m. - 2:15 p.m.
Card Solutions
Acapulco

This session examines the most profitable direction for reloadable general purpose prepaid cards with the guidance of leading researchers and industry experts. A community development expert from the Office of the Comptroller of the Currency and an associate research director from the Center for Financial Services Innovation share the results of their ground-breaking, recently-released, joint research project on customer card usage - the only existing information on customer behavior in this sector. They are joined by a leader in the direct distribution of reloadable prepaid cards to consumers for a broader discussion of the future of general purpose prepaid cards. Understand how to use this new customer data to improve card options, features, and strategies. Hear about the latest developments across the industry and insights on what is currently being tried and what is working. Learn what the future of general purpose prepaid is likely to look like, and what you can do to achieve success.

Kimberly Gartner
Associate Director, The Center for Financial Services Innovation
Sherrie L. Rhine
Community Affairs Expert, Office of Comptroller of the Currency
Steve Streit
President & CEO, Green Dot Financial Corp.

Industry Agenda: Preparing for the Mobile Revolution
2:30 p.m. - 3:30 p.m.
General Interest s
Grand Ballroom

Without question, mobile commerce is gaining acceptance around the world and many experts predict it will revolutionize the way consumers transact business. Various initiatives have been announced, pilots launched and investments made by financial services, communications and technology leaders in the U.S. as well. Skeptics cite the failed endeavors, unfulfilled promises of glory and preponderance of hype that littered the virtual road over the past decade. However, the circumstances and momentum seem different now. This session brings together a panel of industry experts to examine the emergence of mobile commerce, with a particular focus on the issues, challenges and competitive environment in the U.S. payments system. Discover where the market is and how it is likely to evolve. Learn about prevailing technologies, how authentication and other security concerns are being addressed, and how financial institutions and other enablers are positioning themselves for the mobile revolution - and what it means for consumers and businesses.

Claudia Swendseid
Senior Vice President, Federal Reserve Bank of Minneapolis
Kevin Dulsky
Senior Director & General Manager, PayPal, Inc.
Steve M. Ellis
Executive Vice President, Wells Fargo
Tim Sherwin
Executive Vice President, CardinalCommerce Corporation

Monday Afternoon Refreshment Break
3:30 p.m. - 4:00 p.m.
Riverside Center

BOC: Whose Back Office Is It Anyway?
4:00 p.m. - 5:00 p.m.
eCheck
Regency A

On the surface, the new Back Office Conversion (BOC) rule seems self-explanatory: companies that receive checks in person scan them and convert them to ACH debits in their back offices. That is the "do-it-yourself" version of BOC. When banks roll out their BOC services in 2007, you will see everything from "do-it-yourself" to "we'll-do-it-for-you" versions. Some will offer check conversion as a stand-alone service; others will combine ACH and Check 21 clearing for a 100% electronic solution. Coming on the heels of the BOC implementation date, this timely session shows companies that accept checks at the point-of-sale or staffed bill payment locations their options and opportunities to benefit from the newest eCheck application. BOC service offerings differ in their flexibility as well as their technology, time, and labor requirements. Selecting the right service for your organization largely will depend on where you want to make deposits, whether the deposits are cash, and where the check scanning will be done. Hear from a company that has studied the options and learn how it has decided to implement BOC.

Michelle Young
Vice President, Wells Fargo

Unlawful Internet Gambling Enforcement Act of 2006
4:00 p.m. - 5:00 p.m.
Automated Clearing House
Regency B

The Unlawful Internet Gambling Enforcement Act of 2006 was passed to prevent the use of certain payment instruments, credit cards, and fund transfers related to unlawful Internet gambling. The Act attempts to regulate illegal Internet gambling through financial institutions, including credit cards and third-party processors. The presenters discuss how the Unlawful Internet Gambling Enforcement Act of 2006 will affect ACH policies and other Internet-processing activities, as well as what kind of liabilities financial institutions and processors may face for processing Internet gambling transactions.

Allison L. Harvey
Litigation Associate, DLA Piper
Cynthia A. Ricketts
Partner, DLA Piper

When Non-Banks Bank
4:00 p.m. - 5:00 p.m.
The Payments Biz
Regency C

There's an unmistakable trend in bank competition, but is it ominous or innocuous? Banks are expanding their business services at an unprecedented rate. New products, new technologies, and new relationship models are proliferating but are they leaving big openings for non-bank competitors? One after another, companies originally founded for purposes not remotely banking-related are taking on more and more bank-like activity. Rent-a-Center, Met-Life, Xoom, Home Depot, Wal-Mart -- each has tapped into aspects of banking that appear to complement their commercial interests, and has chosen a bank-like niche that leverages their business model. Does this reflect on banking's innovation? Is it just a natural strategic move by companies that find themselves well-positioned -- maybe more so than banks -- to serve a financial need of their customers? When they take a piece of the pie, does the bank share shrink, or does the pie get bigger? What should banks know about these efforts? This panel session begins with an overview of the subject, encompassing new entries, regulatory status, bank competition, etc., then panelists take on the critical issues and tough questions surrounding this development.

Christopher A. Korst
SVP, General Counsel & Secretary, Rent-A-Center, Inc.
Suzette Massie
President, Global Payments Consulting, Carreker Corporation

Results of Four Different Mobile Payment Pilots Revealed
4:00 p.m. - 5:00 p.m.
The Payments Biz
Regency D

Most mobile payments solutions and their early pilots have been focused on the use of one of three technologies: Short Message Service (SMS), Mobile Wallets, and Near Field Communication (NFC) chips. This session contrasts and compares the results of real-life pilots for each of these technologies as well as the inaugural release of a year-long pilot of a completely new mobile payment technology. Presenters provide an interactive forum for objectively contrasting and comparing the pros, cons, risks and costs of each of the technologies, approaches, and market-making strategies for mobile payments. Fraud prevention across technologies is addressed as well.

Richard K. Crone
Founder, Crone Consulting
Howard Gefen
VP, Marketing & Business Development, Obopay
John P. Keane
Senior Product Manager, VeriSign, Inc.
Joseph H. Salesky
CEO, ClairMail
Tom Spitzer
CEO & President, Tyfone, Inc.

The IT Priorities of Community Banks in Business Banking
4:00 p.m. - 5:00 p.m.
The Payments Biz
Columbus AB

As retail banking margins grow thin, many community banks are focusing on the business banking side where greater opportunities exist for a comprehensive customer relationship and the revenues that flow from it. This session explores some of the challenges faced by community banks and where their IT priorities lie. Speakers examine the new online banking and payment capabilities they are now offering business customers, and the growing importance of technologies such as remote deposit capture, as they increasingly compete against the large banks. Information presented is based on the results of an in-depth study of more than 250 community banks (with under $5 billion assets) conducted by Aite Group and the Independent Community Bankers of America (ICBA). Gain a better understanding of how community bank strategies are evolving and the IT capabilities necessary to succeed in today's fiercely competitive business banking space.

Christine Barry
Research Director, Aite Group
L. Cary Whaley, III AAP
Associate Director, Payments Policy, Independent Community Bankers of America

ACH Remittances to Mexico
4:00 p.m. - 5:00 p.m.
Global Focus
Columbus CD

With its Directo a Mexico(SM) program, the Federal Reserve offers U.S. financial institutions the ability to send funds to Mexico through the ACH Network with recipient account pre-opening at Mexican financial institutions. This session features the hands-on experiences of a U.S. credit union using the service with recipient account pre-opening developed by Bansefi, the Mexican government-owned bank. Hear first hand about the benefits of using the program, as well as lessons learned and best practices for supporting the service and promoting it to account holders. Hear what is next in the growing cross-border remittance arena.

John Herrera
Chairman, Latino Community Credit Union
Elizabeth McQuerry
Assistant Vice President, Federal Reserve Bank of Atlanta
Eileen M. Purdy AAP, CTP
Product Manager, Southwest Corporate Federal Credit Union
Iliana de Silva
Product Development Manager, Bansefi

Business-Driven Technology to Manage Operational Risk & Combat Cybercrime
4:00 p.m. - 5:00 p.m.
Corporate Payments Solutions
Columbus EF

The last 24 months have seen a significant shift in the security threats enterprises face. Once the domain of amateur hackers and political theater, cybercrime now involves elaborate, profit-driven schemes managed by organized crime syndicates. An enterprise must stay ahead of hundreds of increasingly sophisticated daily attacks. New malware is designed to defeat anti-virus and firewall solutions to remotely control user devices. Social engineering attacks co-opt identity management credentials and exploit "weakest-link" technologies to steal personal data. As IT security becomes a significant part of operational risk, firms must assume their first layers of defense will be breached. There is no such thing as 100% security, nor is there a single "silver bullet" technology solution. Security requires trade-offs, with cost, user experience, and process complexity. To effectively make these trade-offs, organizations need to align IT security with their business objectives by assessing opportunities, threats, and vulnerabilities in light of their impact on operational risk and enforcing the appropriate security policies across the firm that optimize business results. In this session, speakers discuss how security technologies are consolidating into operational domains of critical mass -- people, technology, information, processes, and how new best practice security controls interlock with enterprise risk management to allow the firm to orchestrate secure, "defense in depth" infrastructures that maximize their business success.

Eric McNeil
Mgr., Directory & Identity Mgmt Solutions, IBM Corporation

Remote Deposit Stage 2: From Adolescence to Maturity
4:00 p.m. - 5:00 p.m.
eCheck
Columbus GH

Remote Deposit Capture has been one of the fastest growing cash management tools ever introduced to the payments industry. Now successfully deployed in most large banks, an increasing number of smaller financial institutions, a variety of third-party providers, and among a growing number of businesses, corporate remote capture is still in its adolescence. What is on the horizon for this technology as it reaches toward maturity? This session examines the opportunities and challenges in the areas of clearing optimization, least cost routing, and integration with other financial institution remote channels, such as teller systems and ATMs, automated data entry, image quality, data validation, exception handling, A/R system integration, and imaging of non-financial transactions. Hear what is in store for the next generation of RDC and what it means to the growth of check electronification at the point of capture.

Pentcho Gueorguiev
AVP, Operations, The Talon Group
Tom Kettell CTP
VP, Marketing, RDM Corporation
Jamie Wells
VP, Senior Product Development Manager, U.S. Bank

Identity Verification: A Critical Step
4:00 p.m. - 5:00 p.m.
Card Solutions
Columbus IJ

The paradox is greater than ever, consumers are demanding privacy, yet the social networking phenomena blows open these same consumers personal information. How are traditional trusted networks changing in the era of Google and MySpace? The dramatic growth in personal information directly available on social networking sites has changed the equation for identity risk management and identity authentication. This session will offer real-world examples to illustrate the need for new technologies and new approaches to differentiating legitimate customers from fraudulent customers when issuing cards to customers and accepting cards online in today's information-rich environment.

David Johnson
Director of Product, ID Analytics

Utilizing EPN STP 820 to Enhance the Financial Supply Chain
4:00 p.m. - 5:00 p.m.
Corporate Payments Solutions
Columbus KL

This session focuses on improving the financial supply chain of mid-size corporates through the use of the EPN STP 820. The cost of EDI has made some corporations shy away from its use. However, STP 820 now offers a solution similar to EDI for automating payment information on the A/P and A/R sides. Hear how this capability is being incorporated and what it means to the corporate customer in terms of data, process, and value-add.

Michael Bender
Senior Manager, eCommerce Initiatives, Georgia Pacific Corporation
Al Griffin
Director, Cash Management, Fundtech Corporation
Valjean Sanchez AAP, CTP
Senior Vice President, Union Bank of California

Just a Phone Call Away
4:00 p.m. - 5:00 p.m.
Automated Clearing House
Acapulco

A customer service telephone number is a critical piece of information missing from ACH entry records. An Originator's customer service telephone number could serve as a key element in improving customer service quality and reducing risk. Learn about this proposed Rule change, and understand the benefits and implementation considerations.

Ann-Marie Bartels AAP
President & CEO, Mid-America Payment Exchange
Patricia Kirkpatrick AAP
Applications Support Officer, First Financial Bank

PAYMENTS 2007 Gala Celebration - Sponsored by CheckFree
6:00 p.m. - 8:00 p.m.
The House of Blues Chicago will rock your Monday evening. Featuring four floors of live entertainment, eclectic cuisine and an atmosphere adorned with historical and cultural artifacts and art, this event is one you won't want to miss. Earplugs are not included, but the House of Blues also offers serene space in the exclusive Foundation Room for those who seek a quieter experience.

Tuesday, April 17

Tuesday Continental Breakfast
7:45 a.m. - 8:15 a.m.
Riverside Center

They're Out to Get You! Payments Fraud is Alive & Well
8:15 a.m. - 9:30 a.m.
Corporate Payments Solutions
Regency A

Most organizations continue to be targets of attempted or actual payments fraud. They’ve learned to fight back, but fraudsters are taking advantage of gaps in defenses to launch new attacks. Who is winning the battle? Hear the findings of the 2007 Association for Financial Professionals (AFP) Payments Fraud Survey. Learn about real-life fraud attempts, the counter-measures that corporate practitioners are taking, and the defenses that must still be built to protect against check, ACH, and card payments fraud.

Arlene S. Chapman CTP
Senior Consultant, Technical Services, Association for Financial Professionals
Anita S. Patterson CTP
Dir., Treasury Operations & Patriot Act Compliance, Manheim Auctions

ACH Enforcement: A Proposal to Address High-Risk Activity
8:15 a.m. - 9:30 a.m.
Automated Clearing House
Regency B

One core component of NACHA's comprehensive risk management framework lies in the Rules enforcement area, with a proposal being developed through the Rule Making Process to ensure high quality ACH transactions and mitigate risk for financial institutions, businesses, and consumers by minimizing unauthorized entries. The proposal is designed to address the highest-risk uses and users of the ACH Network. It would define criteria deemed to constitute excessive returns, establish a Rules-based process to monitor excessive unauthorized ACH entries, and incorporate defined triggers and penalties into the National System of Fines. In addition to fines, a recommendation for suspension would be an option for the worst cases. Hear what is being proposed and why, and understand what it would mean to your organization if approved.

Peter Hohenstein
SVP, GTS Industry Development, Bank of America
Leslie Mitchell
Director, Network Risk Policy, NACHA - The Electronic Payments Assoc.

Beyond Compliance: Developing a Customer-Centric Fraud Strategy
8:15 a.m. - 9:30 a.m.
The Payments Biz
Regency C

Recently implemented FFIEC guidance on customer authentication has impacted the fraud prevention measures of many financial institutions which in turn could affect the customer experience. How can a financial institution ensure that customers enjoy the ease-of-use and convenience of online banking and bill payment while complying with new regulatory requirements? This session offers a fraud strategy case study. Discussion includes the role of new authentication technologies in fraud prevention, techniques for mitigating the impact of fraud controls on the customer experience, consumer education, and the impact of guarantees.

David DeMarea
Director, Alternative Delivery Systems, Arvest Bank
Jeff Weikert
SVP, CSP Business Unit, CheckFree Corporation

Service-Oriented Success in Payments: Beyond Accuracy & Time
8:15 a.m. - 9:30 a.m.
The Payments Biz
Regency D

Great customer service is tantamount to the success of any business. This could not be more accurate than in the business of wholesale banking, especially as it relates to payment solutions. It has become clear that payment services provided to corporate clients have become highly commoditized. Therefore, it is vital that banks differentiate themselves on the basis of service. This new service-oriented business model is especially important as corporate clients grow more demanding in their service expectations. The more forward-thinking financial institutions have used score cards to measure and demonstrate service quality to their corporate clients. However, the information provided in score cards is often outdated because many banks still rely on manual processes to gather the data. This session offers critical insights on what financial institutions are doing to provide their corporate clients with a means for measuring the level of service they receive and how to improve this. Discover how incorporating more automation and real-time information into service monitoring can significantly boost client satisfaction and retention.

Susan Feinberg AAP, CCM
Research Director, TowerGroup
Lance Hill
General Manager, WebMethods, Inc.
Brad Stewart
SVP, Group Product Manager, Wells Fargo

Protection & Authentication: Online Banking & Electronic Payments
8:15 a.m. - 9:30 a.m.
The Payments Biz
Columbus AB

Whether triggered by a desire to protect online banking and ACH electronic payments customers from fraudsters or to comply with regulation and guidance, such as that from the FFIEC, financial services organizations require the ability to adapt to the ever-changing threat landscape. Adapting is key because "one size does not fit all" for the needs of multi-factor authentication. There are too many moving targets; consumer preferences and needs change; and security, privacy and usability must be balanced for online banking and electronic payments user populations. A traditional password policy is still not enough. Other options such as risk-based authentication, anti-fraud protection, one-time-password technology, and site-to-user authentication protect the online banking and electronic payments experience. The considerations involved depend on the level of risk to lost assets and brand equity and the cost per customer to implement and maintain a method of online security. This session allows attendees to gather key information with a focus on real business value and ascertain best practices to bring back to your organization. Case studies on top ten banks and credit unions to address real-world pain points and benefits of authenticating identities to deal with the threat of online fraud, phishing, and identity theft in online banking and electronic payments in both the U.S. and abroad are presented.

Louis Gasparini
CTO, Consumer Solutions, RSA, The Security Division of EMC

KYCC Know Your Customer's Customer
8:15 a.m. - 9:30 a.m.
Global Focus
Columbus CD

Making the leap to payments? Do you really know who your corporate customer is? Presenters in this session talk about how to properly vet your corporate customer. Hear about the steps in the process and how to be in compliance with both U.S. and international regulations regarding privacy and corporate identification.

Jim A. Gross CCM
Senior Vice President, Wells Fargo
Rene Pelegero
Sr. Dir. Industry Relations, Strategy & Compliance, PayPal, Inc.

Remote Deposit Capture: A Case Study for Success
8:15 a.m. - 9:30