Proposal 55
A Retailer's Experiences with BOC

Now that BOC has been in place for over a year, what are retailers saying about it? What are the factors to be considered when evaluating BOC? Is it right for your environment? A top national retailer presents experiences with BOC and helps answer questions about the retail environment, different BOC options, the decisions made, the implementation process, and the results. Attendees learn how to evaluate BOC as a potential solution in the retail environment and what results can be expected from the implementation process. Opportunities and obstacles as seen through the eyes of other retailers who have assessed BOC are also be examined.

Proposal 58
Remote Deposit - A Tale of Two Banks: How We Did It & What We Learned

Presenters in this session share lessons learned from deployment of merchant image capture over the past year. Benefits and pitfalls are examined as well as ease of use, convenience, expense savings, return time and error reduction. Speakers explore image versus ACH, choices of vendors, development of the customer agreement, staff training methods, where merchant capture stands today and where it will lead in the future.

Proposal 74
Latest Trends In Remote Deposit Capture

Remote deposit capture is one of the fastest growing receivables management tools ever introduced. With first generation systems successfully deployed in corporations, small businesses and banks around the globe for the deposit of USD items, what is on the horizon for this technology as it approaches maturity? Presenters examine the trends, opportunities and challenges for the next generation of RDC and how they impact the growth of check electronification at the point of capture. Attendees learn about coupon scanning, pre-filled data fields and flat-bed scanners for lowest volume applications. The ability to capture discretionary deposit data for use in posting to create a "lockbox in a box" is examined and real-world experiences of companies that are utilizing the new technologies are presented.

Proposal 102
RDC Success Secrets: The Community Bank Experience

Check 21 created new alternatives to the paper-based clearing of checks and remote capture, both image-based and ACH eCheck based, and has become a very popular product for financial institutions of all sizes. Is this product right for you? How can you increase your odds of a successful implementation? This session provides a brief overview of how and why remote deposit works. Speakers examine the benefits and risks of offering this service, and case studies are presented by two community banks detailing the lessons learned when implementing this service. Best practices, potential operational issues, marketing techniques, methods of limiting risk are examined as well as a look at a survey detailing what you can really expect to achieve within the first six to twelve months.

Proposal 108
Auditing Your RDC Process: A Case Study

Remote Deposit Capture has become an increasingly popular service and with that popularity comes attention from the regulatory community. As with any offering of a payment product, financial institutions are expected to abide by applicable rules, understand the risks involved, and have documented procedures and policies in place. Speakers in this session focus on how a financial institution should audit its RDC operation to identify gaps in the process that could lead to potential risks. Hear an outside auditor review all aspects of RDC to help limit your liability. Presenters review customer agreements, operational procedures, credit risk policy, customer responsibilities and requirements, security and transmission, and contingency.

Proposal 126
Retail Store Deposits: What Do I Do with the Cash?

Remote Deposit Capture is great for the checks that you receive at your retail store locations but what do you do with the cash that some customers still tender for payment? Speakers discuss creative ways to quickly turn cash into a working asset.

Proposal 145
Merchants That POP

Merchants have more options for processing checks than ever before. A diverse merchant community with diverse needs is currently choosing among POP conversion, BOC, and image/IRD settlement. Attendees hear from three merchants who have fully implemented POP conversion throughout all of their locations. These merchants discuss their perspectives on the comprehensive cost of checks and the opportunities to improve paper- based processes with check conversion.

Proposal 160
New Technology Enabling Merchant Adoption of eCheck

In the past two years several technological advancements have made the adoption of check conversion easier to implement, easier to operate and easier to justify. The drivers of these changes include some of the world's leading technology firms whose POS software, terminals and computer systems are changing the way merchants adopt existing and new payment options including check conversion. Representatives from three technology firms discuss software commonly used in the grocery industry -- a new stand-beside IP terminal that incorporates the latest payment technology (with MICR-reading and check imaging capabilities), and a touch-screen computer system that helps merchants accept payments, manage inventory, track sales, control costs, improve customer service, and better guide business decisions.

Proposal 182
Toward 100% Check Electronification: Exploring Legal Issues for ACH and Image Exchange

With a goal to truncate all paper checks, recent legislation and imaging technology have combined to provide new opportunities in the check payments world. But check electronification can be risky because of voids in the supporting legal environment. Check 21 authorized the unilateral truncation of a paper check, but only when it could be replaced with a substitute check. The Check 21 Act did not validate the electronic exchange of check payments. Check image exchange requires agreements and to exchange check images outside of an agreement is to do so without the support of statutory, regulatory, or case law. The downside of exchanging in the absence of an agreement includes the possibility of consequential damages which introduces an indeterminately large amount of risk. This session will address the risks in check electronification in the absence of check law and how those risks can be mitigated.

Proposal 191
Making Tax Collections Less Taxing: Image Cash Letter with ACH

As the menu of check processing options continues to grow, not even the tax man can ignore the value of electronification. In this presentation, Image Cash Letter (ICL) and ACH industry experts provide a brief overview and update on the industry's continued movement toward check electronification, including current best practices of integrated check conversion and check truncation applications. A case study on the implementation of a fully integrated collection solution for walk-in, mail and drop-box check payments for the tax assessor of a county of nearly two million residents is presented.

Proposal 226
Community Bank Check Electronification Report Card

New payment opportunities have emerged through Check 21 but have community banks stepped up to the plate? How are checks and ACH services growing among community banks? Are small and middle-market banks exploring new products based on check imaging and ACH-based check conversion? What impact does fraud have on check and ACH payments? Using information obtained by ICBA through its 2007 Payments and Technology Survey, presenters report on community banks' payments strategies, the importance of payments products, trends in imaging, the future of checks, and what matters most to them in the payments arena.

Proposal 250
Beyond Remote Deposit Capture

Remote Deposit Capture is moving businesses toward electronic deposit of checks from the office. With more than 200,000 installations, RDC is rapidly changing the corporate landscape the same way electronic payment options changed the consumer landscape. Presenters in this session examine how the second largest U.S. foodservice distributor achieved dramatic operating results by moving beyond remote deposit capture and traditional lockbox processing to streamline its receivables processing with the next generation of intelligent distributed capture.

Proposal 284
Payments Convergence: An Auditors Dream

Comprehensive solutions to payment acceptance can go beyond traditional benefits like risk reduction, improved internal audit and control, and improved customer service. Speakers in this session present first-hand experiences from a group of medical clinics that embarked on a cutting edge project for payments convergence primarily to solve an audit problem involving BOC payments, Check 21, credit, debit and cash payments under a unified platform.

Proposal 326
Merchant RDC: Best Practices & Regulatory Insights

Electronic products are here to stay, including remote deposit capture as a service in a financial institution's cash management suite. As with any business offering, financial institutions should evaluate the risks/rewards and implement appropriate procedures to avoid unnecessary losses from the remote deposit capture service. A Federal Reserve regulator provides guidance on what financial institutions should require when their customers use remote deposit capture. Industry experts describe the competitive advantages, credit/operational risks, and recommended solutions with remote deposit capture. Issues, risk factors, list of evaluation questions, and references to add to your organization's risk management tool kit are also presented.

Proposal 338
Understanding & Assessing Retail Payment Options

With the variety of payment processing options available, how do business organizations and financial institutions determine the best processing option for their organization or their customers? Presenters in this session help attendees learn more about the uses of each option and the guidelines to make informed decisions. Speakers describe the use and benefits of Check 21, BOC, ARC and POP options, and describe the risks and fraud potential associated with each. Attendees learn the basic differences associated with each payment option and the impact of each on the organization and the customers.

Proposal 425
When a Check is Not a Check

This session focuses on the differences and similarities between the traditional/UCC definition of a check and remotely created checks, and ACH transactions based on a check including RCK, BOC, and ARC. Attendees take away the basic rules of a check and the processing of the check under various NACHA rules and how to use Remotely Created Checks in collections. The presentation identifies legal issues associated with remotely created checks, insufficient funds fees related to those checks and other NACHA rules.

Proposal 429
Check Electronification Hardware - Fact, Fiction & What You Need to Know

Often overlooked as simply a required sub-segment of Check Electronification, scanning hardware can be the most critical component determining the success or failure of the overall solution. This panel of industry-leading hardware experts addresses the key considerations for scanning hardware, functionality, pricing/costs, deployment/fulfillment, service and support. Industry trends and the future of Check Electronification hardware are also addressed.

Proposal 446
Image Integrity-A Critical Component of Check Electronification

Financial institutions are continuing their rapid adoption of check electronification, raising new concerns about maintaining image integrity-ensuring that images and check data match. Should mismatches occur, financial institutions would face considerable risks with significant financial and customer trust/public relations repercussions. Speakers present the challenge today's financial institutions are facing in maximizing image integrity, a critical component of quality assurance; explore the financial and PR/customer satisfaction 'fallout' that occurs when mismatches happen; and detail the actions FIs and the industry must take to preserve the integrity of image presentment and storage.

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