Session 17
Card Payments 101
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 101-102

The presenter in this workshop examines basic concepts, models, transaction flows, and terms in the card environment. Distinctions are made between debit and credit instruments, signature and PIN-based debits, commercial and consumer applications, in-the-loop and out-of-the-loop payment instruments, 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, as well as the competitive environment. Financial institution and merchant perspectives and issues are discussed.

Speaker:
Maria Arminio
President & CEO, Avenue B Consulting, Inc.

Session 18
Check Electronification Best Practices
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 104-105

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 ACH 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 ACH electronic check applications. Presenters also examine recent statistics and trends, lessons learned, and education efforts that have been employed to minimize industry impact and improve overall awareness.

Speakers:
Elizabeth A. Cronenweth AAP, CTP
Product Line Manager, Financial Services, Sterling Commerce
Samuel Robb AAP, CTP
VP, Global Payment Solutions, CheckFree, now part of Fiserv

Session 19
A 360-Degree View of Payments Best Practices
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 106-107

Don't let your payments practices become a crap shoot. This workshop helps you play to win. The payments industry continues to undergo rapid evolution and development, bringing with it an abundance of pitfalls, efficiencies, opportunities and decisions. This workshop covers a wide range of topics such as: payment channels, risk management, technology, operations, process management, audit, cross-border initiatives and other forward-looking perspectives. Attendees engage in interactive case studies where everyone gets a chance to "roll the dice."

Speakers:
Jeffrey Lewis AAP, CTP
President & Managing Partner, The Azimuth Group
Pamela Rodriguez AAP
SVP, Professional Advisory Services, EastPay, Inc.

Session 20
Inside the ACH File: A Walk on the Technical Side
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 109-110

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 gain from this workshop the technical understanding needed to delve deeper into the details of an ACH file. This workshop is a must for anyone supporting ACH services, those studying to take the AAP exam, or individuals desiring to bring their ACH knowledge closer to the expert level. This interactive workshop requires active participation by those who attend.

Speaker:
Charles E. Floyd Jr. AAP
SVP, Director of Education, PaymentsNation

Session 23
International Payments Primer: Becoming Fluent
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 301-302

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.

Speakers:
Jane Hennessy
Senior Vice President, Wells Fargo
Alan Koenigsberg
Managing Director, JPMorgan Chase

Session 25
Don't Gamble with Your ACH Audit
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 306-307

You don't want to just "roll the dice" when it comes to the ACH audit. Presenters in this workshop reveal what they "have up their sleeves" as they show you the specific areas that are most often found to be out of compliance with Appendix Eight. You are let in on the "secrets" that professional ACH auditors find most often as non-compliance and risk issues, and gain the insights you need to better understand the pressing issues and how to ensure your financial institution is a "winner" in the audit game.

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

Session 26
ACH 101
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 318

This introduction to the ACH Network provides a basic understanding of the transaction flow and participant roles, responsibilities and relationships. 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. The speakers conduct a tour of the various sections of the NACHA Operating Rules. This workshop uses a general approach suitable for ACH novices from any organization.

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

Session 28
Third-Party Relationships & the ACH Network
Sunday, 1:00 p.m. - 3:00 p.m.
Workshops
Room: 320

Third-Party relationships in the ACH allow participants the ability to take advantage of business opportunities that may not have been available in the past. But at what risk? Speakers in this workshop examine the differences between Third-Party Senders and Third-Party Service Providers. What are some best practices that must be addressed when entering into these relationships? What agreements must be defined and where are liabilities and responsibilities defined?

Speakers:
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv
Wendy Wishon AAP
Vice President, Mid-America Payment Exchange

Session 46
Sunday Workshop Refreshment Break
Sunday, 3:00 p.m. - 3:30 p.m.

Room: Premier Ballroom Prefunction

Session 49
What You Need to Know about ACH Origination
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 101-102

Speakers in this workshop examine the responsibilities, liabilities, risks, and operational considerations of the Originator, its relationships with the Receiver and the ODFI, and practical concerns as experienced by the Originator in its business environment. Attendees hear from speakers from various perspectives on corporate origination, who share their front-line experiences. Bring your own questions to this interactive session and get answers straight from the experts.

Speakers:
William Bley AAP
President & CEO, Northwest Clearing House Association
Stan J. Pilon
President, Designated Escrow Officer, Quality First Escrow, Inc.
Kerry Sellen AAP
VP, Electronic Payment Processing, First Data Corporation
Julie Walker
VP, Cash Management Services, Charter Bank

Session 50
Agreements, Authorizations & Affidavits
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 104-105

Legal agreements should be executed between key participants in the ACH Network and each of their service providers. These agreements bind participants to the NACHA Operating Rules, but that is only the beginning. Do you have the necessary documents in place to protect your organization? Presenters in this workshop discuss the issues that should be covered in your contracts and what rules should be incorporated into your agreements for the different ACH payment types, as well as the language needed to allocate responsibilities and control your risk, particularly when third-party relationships are involved. As an RDFI, are you following the Rules when returning ACH items? As an ODFI, are you including the necessary language in your agreements to help control the risks associated with origination and/or third-party service providers? As a Third-Party Processor, are you aware of the warranties and liabilities attributable to you if you are also considered a Third-Party Sender? As an Originator, do you have the necessary authorizations on file?

Speakers:
Duncan Douglass
Partner, Alston & Bird, LLP
Kathy Levin AAP
Managing Director, Payments Information Circle

Session 51
Exception Handling: Corporate & Financial Institution Case Studies
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 106-107

In this real-world workshop, attendees hear from an ODFI, RDFI, an Originator, and a NACHA Operating Rules expert on how returns should be processed as opposed to how they are actually being processed. Speakers examine real examples including those that have resulted in rules violations and arbitration cases.

Speakers:
Mary M. Gilmeister AAP
President, WACHA - The Premier Payments Resource
Tim Thorson AAP, CCM
VP, Manager ACH Operations, Regions Financial Corporation
Cheryl Tiedt AAP
Cash Manager, Thrivent Financial for Lutherans

Session 52
Hitting the Jackpot: Moving from Paper Clearing to Image Exchange
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 109-110

With more and more costs associated with processing paper checks and changes going on in the payments industry, now is the time to hit the jackpot and consider image exchange. Presenters in this workshop give participants a brief background of the Check 21 Act and how the industry is moving from traditional paper clearing to truncation and image exchange, as well as a high level look at remote deposit capture. Also covered are rules versus agreements, how to mitigate your risk when implementing image exchange, and steps to consider before making decisions.

Speakers:
Andrew J. Garner
Senior Vice President, Wachovia Bank, N.A.
Angela Smith AAP
SVP, Director of Check Education, PaymentsNation

Session 55
Retail Payments Risk Management: An Examiner's Perspective
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 301-302

How would your institution rate in the area of retail payments risk management capabilities? Are there specific areas an examiner might focus on in the event of a review? Come hear from the examiners who have the answers. Looking at areas including retail payments governance and oversight, new product development, cross-channel payments risk and vendor management, the speaker raises questions you may not have considered and provides answers you may not have known.

Speakers:
Tony DaSilva AAP, CISA
Examiner, Federal Reserve Bank of Atlanta
Bob Kennedy
Director, Operations Risk, Federal Reserve Bank of Atlanta
Steven Pesek
Senior Examiner, Federal Reserve Bank of New York

Session 57
The Alphabet Soup of Payments Regulations
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 306-307

AML, BSA, Reg E, Reg CC, UCC 3, 4 and 4A, the NACHA Operating Rules, the Green Book, 31 C.F.R. 210. Are you unsure which regulation or rule covers which payment type? Have the recent addition of payment types such as RDC, BOC and Check 21 left you scratching your head wondering what takes precedence? Speakers dig deeper into each payment option and each regulation governing that payment type revealing what rules and/or regulations you need to know and follow and how the rules and regulations work together.

Speakers:
Jeanette H. Blanco
Assistant General Counsel, Bank of America
Richard M. Fraher
Assistant General Counsel, Federal Reserve Bank of Atlanta

Session 58
ACH 201
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 318

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.

Speakers:
Sean Carter AAP
Director, Education & Rules Development, NEACH
Kimberly W. Rector AAP
Director, Education & ACH Services, MACHA - The Mid-Atlantic Payments Association

Session 60
Mobile Payments: Current & Future Models
Sunday, 3:30 p.m. - 5:30 p.m.
Workshops
Room: 320

There are many experts in the payments field who believe everyone should jump on the mobile payments bandwagon now while there are still some open seats. That may be so. However, do you have all the answers needed before making the decision to make that jump? Presenters in this workshop analyze topics that will directly influence the outcome of anyone's mobile payment strategy -- mobile operator control, operator billing, and underlying payment mechanisms. These systems have varying capabilities and economics associated with them. Will mobile be able to adapt to them and maintain a positive value proposition? Is mobile the freedom trail for merchants with powerful consumer brands to break away from dependence on card-based systems?

Speakers:
Roger Applewhite
Technology Strategist, Avenue B Consulting, Inc.
Thomas Hissam
Worldwide Sales Executive, IBM

Session 80
Exhibit Hall Grand Opening Reception
Sunday, 6:30 p.m. - 7:30 p.m.

Room: Grand Ballroom/Exhibit Hall

Session 95
Monday Continental Breakfast
Monday, 7:00 a.m. - 8:00 a.m.

Room: Grand Ballroom Prefunction

Session 97
The New Expense Management Using ACH & Card
Monday, 8:00 a.m. - 9:00 a.m.
Corporate Payments Solutions
Room: 101-102

You think of corporate credit cards for T&E, vehicle expenses, maybe even purchasing, but have you ever thought of using cards to replace employee expense reports? Corporate credit cards can replace paper on the front end of transactions by eliminating petty cash requests and purchase orders. They also can replace paper on the back end of transactions with electronic reporting systems that automatically reimburse expenses by ACH credits and collect personal charges by ACH debits. In this session, you hear a question and answer discussion by a panel of corporate practitioners who have leveraged corporate credit card programs in their migration from paper to electronic. Hear how cards have helped their companies reinvent their expense payment, tracking and reimbursement processes. Learn what value-added services you should look for in selecting a corporate credit card program.

Speakers:
Mary W. Mazzochi
Senior Vice President, Wells Fargo
Rachel Cahn
Director, Financial Reporting & Analysis, Deckers Outdoor Corporation
Linda Kollman
Senior Accountant, Accounts Payable, Ameritas Life Insurance Corp.

Session 98
International Payments - The Changing Landscape
Monday, 8:00 a.m. - 9:00 a.m.
Global Focus
Room: 104-105

International trade is growing rapidly as more companies source goods and services overseas. In terms of volume, international payments are estimated to represent approximately 8% of total payments and they will continue global growth at a rate of 10.2% annually. As nations' economies become increasingly interdependent through trade and investment and as funds and people become more mobile globally, the need to move money across borders efficiently, securely, inexpensively and in a timely way intensifies. Using compeling statistics and trends, speakers discuss the five most significant influences of international payments which include: government-led initiatives and mandates like SEPA; the upswing in outsourcing driving operational efficiencies; emerging transnational systems reducing the dependency on corresponding networks for payment; the increase in managing security of risk and liquidity management; and the expansion of multinational banks and corporations. Shifts in payment trends, such as remittance and open account trade payments, are also discussed.

Speakers:
Ralph Dangelmaier
President, Americas, ACI Worldwide
John A. Jaye
First Vice President, Channel Technology, Bank of America
Debbie Smart CTP
Senior Product Consultant, ACI Worldwide

Session 99
Latest Trends In Remote Deposit Capture
Monday, 8:00 a.m. - 9:00 a.m.
Check Electronification
Room: 106-107

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.

Speakers:
Micki Burciaga
VP, Product Manager, Wells Fargo
Charles Laing, Jr.
CFO, Director Real Estate Property Mgmt., DSL Construction Corp.

Session 100
Best Practices in ACH Risk & Compliance Management
Monday, 8:00 a.m. - 9:00 a.m.
Automated Clearing House
Room: 109-110

The scope and volume of ACH payments has increased significantly, in turn increasing the risks banks face from operational failure, credit defaults and fraud. In response, regulatory agencies have expanded the scope of ACH regulations and intensified their expectations as to the rigor of internal controls, governance processes and MIS. Presenters in this session provide a practical approach to identifying, quantifying and managing ACH risks and compliance requirements.

Speakers:
Donald S. Jackson AAP, CTP
SVP, Senior Product Manager, First Tennessee Bank
David C. Robertson
Partner, Treasury Strategies

Session 101
From the Front Lobby to the Back Office- Practical Tips in Building a Successful Remittance Program
Monday, 8:00 a.m. - 9:00 a.m.
Global Focus
Room: 201-202

As the number of participants offering cross-border remittance services to Mexico continues to grow, new players need to find innovative and creative techniques on how to address the market successfully. Banks and credit unions have been able to not only offer a transparent, low-cost, and secure method in sending cross-border transfers to Mexico using the ACH Network, but also introduce these payments into the financial system and provide other financial services to the sender and receiver. This session focuses on the techniques one U.S. financial institution has used in rolling out a successful ACH program to Mexico, using the FedACH International Service known as Directo a MexicoSM. The audience will hear about marketing tactics, operational flows, lessons learned, and the benefits the institution has realized, along with the latest statistics in the growth and advantages in account-to-account transfers on both sides of the border.

Speakers:
Sileshi Dereje
VP, Products, WesCorp Federal Credit Union
Elena Whisler AAP
Program Specialist-Directo a México, Federal Reserve Bank of Atlanta
Iliana de Silva
Deputy Director Institutional Banking, Bansefi

Session 102
Examining Payments: What do Examiners Expect?
Monday, 8:00 a.m. - 9:00 a.m.
Automated Clearing House
Room: 204-205

"Your Board of Directors must take action to ensure that risk management practices keep pace with the bank's new and increased usage of payment systems." While examiners may not communicate that to your board, payment systems are definitely on their radar screen and attracting increased scrutiny. In this session, you will gain insights into current and prospective regulatory expectations and learn how bank examiners might view the risk in your payments activity. An OCC examiner will build on the agency's ACH risk management expectations by including examination experiences, best practices, and ongoing policy initiatives addressing ACH, remote capture, merchant oversight, and other current payment issues.

Speaker:
Carter Messick
Lead Information Technology Expert, Office of Comptroller of the Currency

Session 103
Managing ATM Skimming & Compromised Cards
Monday, 8:00 a.m. - 9:00 a.m.
Card Solutions
Room: 301-302

Data breaches have a significant impact on financial institutions. Combined with ATM compromises, these events allow criminals to access large numbers of cards at once. There are operational best practices that can help protect your institution from the impact of these criminals. In this session, you learn about the tactics and trends criminal organizations use and best practices for how you can protect your customers and your bottom line.

Speaker:
Mike Urban
Senior Director, Fraud Operations, Fair Isaac Corporation

Session 104
Impact of Social Networks on Fraud & Payments Challenges
Monday, 8:00 a.m. - 9:00 a.m.
The Payments Biz
Room: 304-305

What are the implications of the intersection of fraud and payments for financial institutions? The speaker discusses how cross-channel fraud is affecting financial institutions from the boardroom to the customer experience. Emerging technologies being developed that use sophisticated calculations to predict fraud activity and identify heretofore undetectable relationships among organized criminals are addressed.

Speakers:
Catherine A. Allen
Chairman & CEO, The Santa Fe Group
John R. Beran
EVP & CIO, Comerica Incorporated
David Porter
SVP, Analytics, Detica Group

Session 105
Are You In or Out of the Loop?
Monday, 8:00 a.m. - 9:00 a.m.
Card Solutions
Room: 306-307

Prepaid cards come in two flavors: closed loop or open loop. In closed loop or single-purpose schemes, the card can be used only at the store or store chain where the card was acquired. In open loop schemes, cards can be used in multiple locations by virtue of the general purpose payment brand that the cards bear (e.g. Visa, MasterCard.) Each one of these types of schemes has benefits and drawbacks including interchange revenue, brand recognition and consumer utility. Learn about industry best practices for education, marketing operations and controls for prepaid card, including policy observations and market experiences. Benefits and drawbacks outlining model preference are also examined.

Speakers:
Stan Sienkiewicz
Senior Manager, Payment Cards Center, Federal Reserve Bank of Philadelphia
Jason Brooks
VP, Financial Services, InComm
Chris Daniel
Chair, Payment Systems Group, Paul, Hastings, Janofsky & Walker

Session 106
Reading into the Crystal Ball: ACH Reporting
Monday, 8:00 a.m. - 9:00 a.m.
Corporate Payments Solutions
Room: 318

As an Originator, your ODFI provides you with a series of information regarding your ACH transactions including return and notification of change notices, reversal, deletions, redeposits, etc. What should you be doing with this information, besides applying the item to your A/R system? What trends can you identify? And how can you use this information to minimize risk and save your company money? This session highlights the types of ACH trend reporting that a company might want to consider to improve collection rates, decrease return rates, highlight potential risk management issues and reduce banking fees.

Speaker:
Laura Listwan AAP, CCM
First Vice President, Bank of America

Session 107
Connection Between ACH Fraud & Threats to Online Banking
Monday, 8:00 a.m. - 9:00 a.m.
Automated Clearing House
Room: 319

In late 2006 and early 2007, the majority of domestic financial institutions complied with the FFIEC guidance and locked down the login portion of their online banking portals. Simultaneously, many noticed fraud perpetrated against select portions of their online banking sites, specifically involving ACH transfers, was on the rise. In an effort to protect themselves and their customers against ACH transfer fraud, financial institutions have had to balance between protecting these activities and encouraging their customers to continue using their online banking systems. Presenters in this session explore specific cases of ACH fraud perpetrated against financial institutions and describe mechanisms for protecting against this sophisticated form of financial fraud.

Speakers:
Joram Borenstein
Senior Product Marketing Manager, RSA, The Security Division of EMC
Bobbie Mecalo
Strategic Initiatives Manager, Jack Henry & Associates

Session 108
Emerging Payment Alternatives - Demystified!
Monday, 8:00 a.m. - 9:00 a.m.
The Payments Biz
Room: 320

New payment channels and technologies are being introduced at a breakneck pace. This session will provide an overview of the leading emerging channels for payment initiation, such as mobile payments, NFC/contactless payments, "Decoupled," PIN-less, and reloadable debit cards, PayPal, Google Checkout, Amazon Flexible Payments, and NACHA's Secure Vault Payments. Interested in learning even more about these payment channels? This session also provides you with a listing of other concurrent sessions that will be covering these emerging payments to help you make the most of your Payments 2008 experience!

Speakers:
Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Terri Pelle Sands AAP
Managing Director, Payments Information Circle

Session 125
Executing Payments Strategies in a Changing Environment
Monday, 9:15 a.m. - 10:45 a.m.
General Interest Sessions
Room: Premier Ballroom

NACHA is pleased to welcome Peter Raskind, president and chief executive officer of National City Corporation, as the keynote for the opening general session in Las Vegas. The former NACHA Board and executive committee member shares his insights for developing and executing payments strategies in a changing environment.

Speakers:
Steve M. Ellis
Executive Vice President, Wells Fargo
Elliott C. McEntee
President & CEO, NACHA - The Electronic Payments Association
Peter E. Raskind
President & CEO, National City

Session 144
Monday Morning Refreshment Break
Monday, 10:45 a.m. - 11:15 a.m.

Room: Grand Ballroom/Exhibit Hall

Session 145
Just What the Doctor Ordered: Achieving Revenue Cycle Efficiency
Monday, 11:15 a.m. - 12:15 p.m.
Corporate Payments Solutions
Room: 101-102

Today's health care providers face ever-increasing competitive pressures, escalating business expenses and a complex regulatory/reimbursement environment. In this case study, speakers look at how HIPAA-compliant technological innovations are making it possible to streamline patient claims, improve inquiry resolution and reduce administrative costs. Speakers share best practices, from a health care provider's perspective, on how to shorten DSO and increase operating margins. Speakers also examine how health care providers can partner with a financial institution to implement an integrated receivables solution that will automate claims processing and shorten the revenue cycle.

Speakers:
Mike Griffin
Chief Financial Officer, Prexus Health Partners
Scott Krah
VP, Healthcare Solutions, Fifth Third Bank

Session 146
Security in the Post-FFIEC World
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 104-105

It's been almost 18 months since the December 31, 2006 FFIEC Guidance for Authentication in an Internet Banking Environment deadline. The speaker in this session discusses what financial institutions are doing today to ensure continued FFIEC compliance and how and what emerging threats may alter their authentication strategies in 2008 and beyond.

Speaker:
George Tubin
Senior Analyst, TowerGroup

Session 147
Image Integrity-A Critical Component of Check Electronification
Monday, 11:15 a.m. - 12:15 p.m.
Check Electronification
Room: 106-107

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.

Speakers:
Kerry M. Atha
Product Director, Viewpointe
Keith Powers
VP, Transaction Processing, U.S. Bank

Session 148
Understanding & Assessing Retail Payment Options
Monday, 11:15 a.m. - 12:15 p.m.
Check Electronification
Room: 109-110

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.

Speakers:
Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Richard R. Oliver
EVP & Retail Payments Product Manager, Federal Reserve System

Session 149
Bill Pay Data & Credit Scoring: What You Must Know
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 201-202

Bill pay data is being used to produce alternative credit scores. What are the attributes and data streams needed to produce accuracy and accountability in this emerging data warehousing and analysis approach? Who are the players producing this data, where is it going, and what is the value proposition behind collecting, and aggregating this data? This session answers these questions and outlines what is emerging as the future for this payments-based technique in the evaluation of consumers' credit worthiness.

Speakers:
Fred Brothers
Managing Partner, eCom Advisors
Garry Hedges
VP, Director of Payments Strategy, Synovus Financial Corporation
Corey Stone
Chief Executive Officer, Payment Reporting Builds Credit

Session 150
Improve Your ACH Odds: Techniques to Reduce Exceptions
Monday, 11:15 a.m. - 12:15 p.m.
Automated Clearing House
Room: 204-205

How good are your ACH validation methods? What would be the value to your organization of a substantial drop in exception items? As the volume of ACH transactions continues to rise, the need for better verification methods becomes increasingly important in order to reduce the number of returns, remove funding delays, limit fraud, minimize costs and improve customer satisfaction. This case study presents the real-world results of applying multi-layered validation techniques to minimize exception items.

Speakers:
Kelly Dizon
Director, Cash Application & Payment Solutions, Qwest Communications
Andy Orcino
Finance Manager, Accounts Receivable, Qwest Communications
Robert E. Wilson CTP
Chief Operating Officer, BillMatrix Corporation

Session 151
Overseas Expansion: A World of Business Opportunity Awaits
Monday, 11:15 a.m. - 12:15 p.m.
Global Focus
Room: 301-302

The global economy in which we now operate presents enormous opportunity for companies to expand into new markets. However, doing business abroad presents significant risks and challenges, even for large, established players in the U.S. marketplace. Speakers in this session discuss the most significant issues that a U.S. company looking to expand overseas will need to expect, appreciate and solve in order to succeed.

Speakers:
Chris Baugher
Partner, McKenna Long & Aldridge
Marc D'Annunzio
Partner, McKenna Long & Aldridge

Session 152
Impact of the Network Enforcement Rule
Monday, 11:15 a.m. - 12:15 p.m.
Automated Clearing House
Room: 304-305

Presenters in this session focus on the Network Enforcement Rule passed in November 2007 and how it expands NACHA's risk and enforcement mechanisms to address issues involving excessive numbers of unauthorized entries. The overall benefits to the Network and its participants are discussed. Attendees learn how NACHA's risk management department identifies participants that may be posing harm to the ACH Network and what steps must be taken to avoid the initiation of a Rules enforcement proceeding. Case studies illustrating the current and future effectiveness of NACHA's risk and enforcement efforts are also examined.

Speakers:
Lorie J. Nash AAP
Senior Director, Compliance & Risk Management, NACHA - The Electronic Payments Association
Jennifer Kirk AAP
Director, Training, Payments Central

Session 153
Protecting What is Yours: Methods for Securing Data
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 306-307

Information security has always been a critical component of financial institutions' business operations, placing banks at the forefront of IT security. However, according to Gartner's 2006 survey -- "Technology Issues for Financial Executives" -- IT security is no longer a top priority of only the banking industry, but of CIOs across all industries. It is management's responsibility to ensure that proper IT security is in place that can adequately protect its clients' data. In this presentation, learn methods for internal auditors to help improve their clients' IT security environment, including the use of a security framework that can assess a company's overall risk levels, prioritization of data and corresponding IT security, and tips for implementing and monitoring security programs.

Speakers:
Kris Ruckman
Partner, Grant Thornton
Matt Thompson
Senior Manager, Grant Thornton
Gareth Webley
Chief Security Officer, National City

Session 154
Streamline Corporate-to-Bank Relationships with SWIFT Connectivity
Monday, 11:15 a.m. - 12:15 p.m.
Corporate Payments Solutions
Room: 318

Traditionally, corporations with multiple banking relationships have been faced with an array of proprietary electronic banking systems, or they have had to use one concentrating bank to pass through payments and collect bank account statements on their behalf. Since SWIFT opened its network (SWIFTNet) to corporations, they can now streamline these banking relationships and improve visibility and lower transaction costs. Hear from leading corporate treasurers on why they have opted to join the SWIFT network as well as steps you can take to implement SWIFTNet connectivity, including streamlining connectivity to banking relationships, increasing STP, improving auditing processes, harmonizing and optimizing payment flows, adhering to SWIFT standards and security, supporting a range of message formats, and complying with SCORE and SEPA.

Speakers:
Michael Bosacco
Regional Manager, Corporate, SWIFT
Colin Day
VP, Market Insights, SunGard AvantGard
Jeremy Kidd
IT Consultant, Cargill, Inc.
Gary Park
Directory, Treasury Operations, Schlumberger

Session 155
Decoupled Debit: Threat or Opportunity
Monday, 11:15 a.m. - 12:15 p.m.
Card Solutions
Room: 319

Customers can now link their checking accounts to debit cards issued by corporations and even retailers. Does "decoupled debit" threaten to disinter-mediate banks or does it represent a new opportunity to expand business beyond the confines of the branch footprint? There are many issues to consider with decoupled debit. Do you take an offensive or defensive posture? How do you manage risk? Do you opt for low interchange or high rewards? Should you utilize ACH or other payment networks? Is co-branding or direct marketing the best route to success? Presenters in this session examine the issues involved in implementing a decoupled debit program and provide real-life examples and usage data from three companies who are pioneering the concept.

Speakers:
Mike Grossman
Chief Executive Officer, Tempo Payments, Inc.
Daniel J. Eckert
SVP, Payment Products, HSBC Card Services

Session 156
Vegas Vices & Internet Payments: Understanding the Implications
Monday, 11:15 a.m. - 12:15 p.m.
The Payments Biz
Room: 320

Congress passed the Unlawful Internet Gambling Enforcement Act in October 2006. The Act instructs the Federal Reserve Board and the Secretary of the Treasury (in consultation with the Department of Justice) to jointly prescribe regulations requiring designated payment system participants to establish policies and procedures reasonably designed to prevent or prohibit payments associated with unlawful Internet gambling. The deadline for comments on the proposed rule issued in October 2007 to implement the Act was December 12, 2007. Are tobacco sales over the Internet the next area of focus? Sales to minors and the loss of sales tax revenue are of particular concern to law enforcement and taxing authorities. Are there other issues? What efforts are being undertaken by law enforcement and what are the potential liabilities for financial institutions and other payments providers? In this session, representatives from the Federal Reserve Board of Governors and the New York Attorney General's Office address how these public policy issues are intersecting with the payments system. Speakers clarify the legal and regulatory implications and offer guidance for compliance.

Speakers:
Joseph Baressi
Financial Services Project Leader, Federal Reserve Board of Governors
Christopher Leung
Assistant Attorney General, New York State Office of the Attorney General

Session 176
Monday Luncheon in the Exhibit Hall
Monday, 12:15 p.m. - 1:30 p.m.

Room: Grand Ballroom/Exhibit Hall

Session 177
Payments Convergence: An Auditors Dream
Monday, 1:30 p.m. - 2:30 p.m.
Check Electronification
Room: 101-102

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.

Speakers:
Ernie Chappell AAP
President, EFC Systems
Rhonda Hale
Finance Manager, Kentucky Medical Services Foundation, Inc.

Session 178
Risk Management for Merchants: Protecting your Business
Monday, 1:30 p.m. - 2:30 p.m.
Corporate Payments Solutions
Room: 104-105

Merchants, payment processors and financial institutions have experienced security breaches that resulted in the exposure of consumer account, transaction and other personal information. While these breaches are rare the impact is far-reaching and often makes headlines resulting in legal action, loss in consumer confidence, and loss of business. What can merchants do to protect their customers' personal information and ultimately their businesses? In this session merchants hear from payment industry certified security experts about industry requirements and best practices with regards to protecting consumers' personal information. Merchants also learn what is available to them and what to look for when evaluating payment vendors for the processing of their consumer transactions. Session presenters share their experiences and cover data security at all levels of transaction processing from the moment the consumer supplies their payment information to transaction confirmation to historical reporting to storage of information for recurring charges or repeat customers.

Speakers:
John Arnold
Chief Information Officer, Optimal Payments Inc.
Patrick Faucher
Chief Executive Officer, NIMBIT
Doug Klotnia
EVP, Worldwide Sales, Trustwave

Session 179
A Retailer's Experiences with BOC
Monday, 1:30 p.m. - 2:30 p.m.
Check Electronification
Room: 106-107

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.

Speakers:
Barry Nordstrand
President & CEO, Solutran
Michelle Vandiver
Manager, Bank Reconciliation, Walgreen Co.

Session 180
Tales from the Frontline: The UK Faster Payments Story
Monday, 1:30 p.m. - 2:30 p.m.
Global Focus
Room: 109-110

In November 2007, the UK banking industry launched a 24/7 credit transfer service, particularly aimed at telephone and Internet banking payments. This presentation looks at how the service has developed and reviews the first few months of operation. Current UK payment trends and forecast scenarios going forward are examined, as well as the wider European market. Other approaches, such as the new EBA Priority Payments scheme and existing domestic schemes are explored. Larger questions are also addressed. How will banks get a return on their investment which was forced upon them? How will the payments mix change as the traditional differences between them are eroded? Will the predicted moniker "faster fraud" be proved right? Will this herald a new era in UK payments? How will the UK banks react to the increasing number of payment options.

Speaker:
Gareth Lodge
Senior Analyst, European Payments, TowerGroup

Session 181
Beyond Remote Deposit Capture
Monday, 1:30 p.m. - 2:30 p.m.
Check Electronification
Room: 201-202

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.

Speakers:
Michael Starble
Chief Operating Officer, Open Scan Technologies Inc.
Lynn Hall CTP
Treasury Manager, U.S. Foodservice, Inc.

Session 182
Unauthorized Returns: Federal Reserve Perspective
Monday, 1:30 p.m. - 2:30 p.m.
Automated Clearing House
Room: 204-205

Are your unauthorized returns a problem? This session provides a comprehensive overview of the systems, controls, and processes employed by the Federal Reserve Bank, acting in the role as an ACH Operator, to actively monitor internal risk activity within the ACH Network. Collectively, these systems and controls identify and mitigate unauthorized return activity through a combination of more regimented enforcement and audit practices, and through structured communications with NACHA and financial institutions.

Speaker:
Christopher N. Alexander
Assistant Vice President, Federal Reserve Bank of Atlanta

Session 183
The Global Reach of Remote Deposit Automation
Monday, 1:30 p.m. - 2:30 p.m.
Global Focus
Room: 301-302

Remote deposit capture has not only eliminated geographic boundaries within the U.S., but has also leaped across national borders and continents. In this session, organizations interested in global remote deposit deployments learn valuable lessons and gain unique first-hand insights. Speakers examine logistics of global deployment, challenges to overcome to extend globally, impact on daily operations between countries, transportation logistics and costs, bridging differences in cross-border work flows, and the likely affect SEPA will have on work flow processes.

Speakers:
Todd McGuire
Senior Expert, Global Concepts/McKinsey & Co
David L. Peterson
Executive Vice President, Goldleaf Financial Solutions

Session 184
An Outsider's View of Payments
Monday, 1:30 p.m. - 2:30 p.m.
The Payments Biz
Room: 304-305

Bankers tend to live deep in the payments business on a daily basis. Can we see the forest through the trees? In many respects we are probably too close to the business to see the big trends and big directions. This panel discussion of non-bankers, led by a banker, gets that outsider's point of view on the payments business.

Speakers:
Margaret M. Weichert
SVP, Business Planning & Development, Bank of America
Ryan Gilbert
Vice President, PropertyBridge, Inc., A MoneyGram Company
Rajesh Jayaraman
Chief Technology Officer, Zopa, Inc.
Jason Knight
Founder & CEO, Wesabe
Aaron Patzer
Founder & CEO, Mint

Session 185
Including Procurement Cards in the A/P Process
Monday, 1:30 p.m. - 2:30 p.m.
Card Solutions
Room: 306-307

In the continuing conversion of paper to electronic payments, the time has come for the convergence of purchasing cards and traditional electronic payments. New products offer the ability to integrate purchasing cards into existing file-based, straight-through payment processing, with minimal changes to existing systems and infrastructure. New offerings connect issuers, buyers and suppliers faster and more efficiently than ever before, allowing post-invoice vendor payments via purchasing cards with the same efficiency as the ACH. Presenters review the new technology, explain the rationale for developing features and functionalities, quantify the benefits to the company, and provide a road map to assess opportunities within your company.

Speakers:
Paul Horn
Director & Global Tranaction Services, Citibank N.A.
Shari Krikorian
VP, Advanced Payments, MasterCard International

Session 186
Green Technology & Practices: Be the Change You Want to See
Monday, 1:30 p.m. - 2:30 p.m.
The Payments Biz
Room: 318

With the advent of NACHA's green initiatives -- strategic and tactical -- learn how the financial services industry is leading change to better our environment. From applications that benefit financial institutions, processors, businesses and consumers to the environmentally responsible planning in the corporate offices and the branches, this industry is driving change that has long-term benefit for the environment. Focus is on innovative opportunities to reduce the carbon footprint of your business through the use of ACH, image and other technologies, as well as industry efforts to "green" work process, convert, build and maintain "green" offices and branches, and work on multiple levels to reduce the current strain on natural resources and the environment.

Speakers:
Janet C. Boyst
SVP & Group Executive, Wachovia Bank, N.A.
Leonard J. Heckwolf
Investment & Initiative Management Executive, Bank of America

Session 187
Protecting ACH Data Using PCI Standards
Monday, 1:30 p.m. - 2:30 p.m.
Automated Clearing House
Room: 319

Presenters in this session explain PCI Standards, their background, and explore how and why merchants should apply similar or the same practices to protect ACH-related data. A real-world implementation case study is examined focusing on the good, the bad, and the ugly of PCI. Presenters also explain the twelve rules that make up the core initiatives.

Speakers:
Fred Laing, II AAP, CCM
President, Upper Midwest ACH Association
Tyler Graham
Project Control Manager, US Bank
Robert Russo
General Manager, PCI Security Standards Council, LLC
Gary Yamamura
Principal Consultant, Verifax Consulting, Inc.

Session 188
The Importance of ePayments in the Credit Union Industry
Monday, 1:30 p.m. - 2:30 p.m.
The Payments Biz
Room: 320

In the past several years, electronic payments have evolved rapidly. A few years ago they were a competitive differentiator for a financial institution. Today they are a minimum requirement. Large banks are offering a broader and broader suite of electronic billing and payment products - free bill payment, free international transfers, cross-institution transfers, online account opening and funding, etc. via multiple online channels - web, voice and mobile. Having a robust banking website with multiple electronic payment products no longer positions a financial institution as a leader, but NOT having them marks the institution as trailing the market. This session will explore the evolution of the online delivery channel and electronic payment solutions in the credit union industry, and the importance of these products for the continued success of credit unions. It will also explore the notion that online channels can be the "great equalizer" - enabling credit unions to compete more effectively with banks that have far more branch locations and service their members more effectively.

Speaker:
Marcie Haitema
EVP, Correspondent Services, U.S. Central

Session 205
Industry Agenda: Cutting Costs not Customer Satisfaction -- A Balancing Act
Monday, 2:45 p.m. - 3:45 p.m.
General Interest Sessions
Room: Premier Ballroom

Keeping clients satisfied is a key aspect of any business relationship, but how do you maintain satisfaction while reducing costs? How are economic forces and bottom-line decisions affecting immediate and long-term product strategies, service levels, and negotiating positions? Is a focus on fee income a way to temper the tide? Where will the industry go from here and what is the impact? Will electronic delivery and payment options provide a way to help cut costs while maintaining quality customer service? Hear from a diverse panel of industry experts on how they perceive organizations can best weather an uncertain economic environment while keeping their customers in mind.

Speakers:
James Van Dyke
President & Founder, Javelin Strategy & Research
Pamela A. Carson
EVP, Group Executive, KeyCorp
Lloyd F. O'Connor
Managing Director, JPMorgan Chase
David Pryce
Head of the Americas, SWIFT

Session 224
Monday Afternoon Refreshment Break
Monday, 3:45 p.m. - 4:15 p.m.

Room: Grand Ballroom/Exhibit Hall

Session 225
International Supplier Payments
Monday, 4:15 p.m. - 5:15 p.m.
Global Focus
Room: 101-102

As supply chains become increasingly global, corporates are sourcing raw materials, products, and services from around the world. While cross-border trade services and trade finance providers have been addressing the financing and fulfillment aspects of the global sourcing contracts, the payment aspect of these transactions has not been studied closely. U.S.-based corporates have traditionally paid their overseas suppliers in U.S. Dollars. However, foreign suppliers are often relatively small entities that don't have the financial sophistication to access actively managed USD funds and get them converted to local currency at competitive rates. This session explores recent corporate trends in international supplier payments and offers additional insights through a live case study.

Speaker:
Hubert J.P. Jolly
Managing Director, Citigroup, Inc.

Session 226
New Technology Enabling Merchant Adoption of eCheck
Monday, 4:15 p.m. - 5:15 p.m.
Check Electronification
Room: 104-105

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.

Speakers:
J. Christopher Ward CCM
Senior Vice President, Wachovia Bank, N.A.
Kory Kirschman
VP, POS Terminal & Hardware Solutions, First Data Corporation
Mike Rosene
VP, Business Development, MTXEPS
James Watkins
Director, Microsoft Dynamics Retail, Microsoft Corporation

Session 227
Banking Opportunity in the Healthcare Industry
Monday, 4:15 p.m. - 5:15 p.m.
The Payments Biz
Room: 106-107

Massive changes in the healthcare industry are underway which potentially will provide great opportunities for the banking industry. While some insurance companies are forming their own banks, other insurance companies and banks are seeking and forming partnerships to address these changing needs and to profit from the deposits and fees to be generated. In this session, speakers discuss the results of a 2007 healthcare payer survey, the changes underway in the industry, how opportunities are being addressed, and how the banking industry can benefit by participating in this transformation.

Speakers:
Dana J. Gould AAP
Senior Research Analyst, Financial Insights, an IDC Company
Wayne Provost
Chief Strategy Officer, ProviderPay

Session 228
Preventing Fraud with Identity to Account Matching: Applications Across the Enterprise
Monday, 4:15 p.m. - 5:15 p.m.
Automated Clearing House
Room: 109-110

With the continuing rise in electronic payment methods, such as eCheck payments and TEL debits, the ability to easily verify whether or not people making payments are authorized to transact on associated checking accounts is becoming increasingly critical. Identity to account matching, when combined with account verification, offers numerous fraud prevention benefits across the entire financial services enterprise, in retail, card, corporate and treasury management, automated clearinghouse (ACH) operations and online banking. This session will cover the various applications of account verification with identity to account matching and its direct effects on decreased fraud losses, increased revenue, enhanced customer service and reduced costs.

Speakers:
Russ Chacon
SVP, Business Development, Early Warning Services, LLC
Brian Dearle
Vice President, Wells Fargo

Session 229
Toward 100% Check Electronification: Exploring Legal Issues for ACH and Image Exchange
Monday, 4:15 p.m. - 5:15 p.m.
Check Electronification
Room: 201-202

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.

Speakers:
David W. Walker
President & CEO, ECCHO
Jeanette H. Blanco
Assistant General Counsel, Bank of America

Session 230
Fulfilling a Promise: DuPont Delivers the Results
Monday, 4:15 p.m. - 5:15 p.m.
Corporate Payments Solutions
Room: 204-205

Does the "We plan to do x and will achieve y benefits in z years" sound familiar to you? All too often we are shown promising plans with great expected benefits and positive business cases -- and then never hear about them again. DuPont presented its out-of-the box financial messaging for corporates initiative in Chicago. The corporate has analyzed, documented and published projected total cost of ownership, benefits and ROI. Now one year later, it's time to confront the facts. Did DuPont achieve what was promised? Come find out, and learn what you should know before making your promises to management.

Speakers:
Michael Bosacco
Regional Manager, Corporate, SWIFT
Lawrence G. Boyer
CIO, Global Treasury, DuPont
Monie Lindsey
Principal, Treasury Strategies

Session 231
ACH Risk Management: Where Are We Now & Where Are We Going?
Monday, 4:15 p.m. - 5:15 p.m.
Automated Clearing House
Room: 301-302

It has been two years since NACHA first introduced its comprehensive risk management framework that resulted in a series of initiatives. What has happened, and what still needs to happen? This session provides information on increasing the risk management focus of the entire NACHA membership -- from rules changes to best practices, to looking at cross-channel risk. Find out what it takes to navigate the changing environment of ACH payments.

Speakers:
Peter Hohenstein CCM
Senior Vice President, Bank of America
Roy C. DeCicco CCM
Managing Director, JPMorgan Chase
Jeanette A. Fox AAP
Senior Director, Risk Investigations & Services, NACHA - The Electronic Payments Association

Session 232
A Primer for U.S. Banks: European Payment Systems & SEPA
Monday, 4:15 p.m. - 5:15 p.m.
Global Focus
Room: 304-305

European payment systems are very different from what we see in the U.S. Come and learn everything you need to know about European payment systems, how they work, why they work the way that they do, and what it means to you as a U.S. banker. This session also looks at the topics that make European payments unique. What standards are being used in Europe and why? What are the areas of focus for European regulators? Why are there two sides to Data Privacy and AML issues? What's next in cards in the EU when considering the EPC and the Pan European card scheme?

Speaker:
Laura Listwan AAP, CCM
First Vice President, Bank of America

Session 233
Leveraging Cards for Greater Loyalty
Monday, 4:15 p.m. - 5:15 p.m.
Card Solutions
Room: 306-307

All prepaid card issuers are vying for a larger share of wallet among the growing number of prepaid cardholders. Closed loop prepaid cards have an inherent advantage in creating significant brand awareness and loyalty to a particular retailer. In contrast, open loop cards have more widespread acceptance, but not the same customer loyalty to any specific retailer. To spur adoption in this rapidly growing environment, open loop issuers are developing new features and functionality including loyalty, rebates, and card promotions in concert with their retailer partners. Speakers in this session discuss some of the innovative, card-based loyalty and rewards programs being implemented by issuers and their channel partners to increase customer retention and brand awareness.

Speakers:
Matt Kerper
Vice President, Prepaid Parago, Inc.
Britt Weber
Senior Vice President, FSV Payments Systems

Session 234
Corporate Mobile Banking: Separating Hype from Reality
Monday, 4:15 p.m. - 5:15 p.m.
Corporate Payments Solutions
Room: 318

Mobile banking is generating a wave of excitement in the North American marketplace. While much of the emphasis is on the retail market, corporate customers stand to benefit tremendously from this nascent channel. This session provides an overview, based on independent research from Celent, of the latest corporate mobile banking technology trends. The state of mobile cash management solutions is examined through a different lens, by distinguishing hype from reality. This session provides a detailed picture of what future mobile cash management solutions will look like, as well as descriptions of key features and functionalities that will attract users to this blossoming technology. Finally, it will help banks to ensure that their corporate mobile customers are provided with the proper security and authentication mechanisms while maintaining ease of use. A case study is presented by a pioneering institution in the mobile banking service for business sector, including an overview of its solution, descriptions of functionalities, lessons learned and business benefits.

Speakers:
Jacob Jegher
Senior Analyst, Celent
Amy L. Johnson
Vice President, Wells Fargo

Session 235
Advancing the Payments Business Case
Monday, 4:15 p.m. - 5:15 p.m.
The Payments Biz
Room: 319

We hear about new payments initiatives almost every week and they always sound like the greatest thing since sliced bread. Come and see why so many of these initiatives that sounded so good never got the market understanding and acceptance that they needed to take off. Were they really ahead of their time, or were they just ill-conceived? As an industry, how do we keep from doing the same thing over and over again by making a better business case up front?

Speakers:
Eileen Poss CTP
SVP, Global Treasury Services, Bank of America
Rick Leander
Executive Vice President, The Clearing House

Session 236
Authenticating a Customer's Identity for ACH Origination
Monday, 4:15 p.m. - 5:15 p.m.
Automated Clearing House
Room: 320

Competitive pressures from industry leaders and high consumer expectations are driving change in how institutions conduct business. Presenters in this session focus on the need for customer authentication and how to best answer the question: Is this person authorized to use this account? This session addresses emerging fraud trends with WEB, TEL and ARC transactions and explores current and developing solutions that can be implemented to help prevent these fraud scenarios before losses become excessive. Speakers also discuss how to analyze and verify the relationship between a name, address and phone number, along with best practices for integrating and measuring the impact of analyzing contact information into your payments processing workflow. This session is particularly useful for merchants that originate WEB and TEL payments and would like to implement best practices for authenticating customers in order to comply with NACHA rules and guidelines.

Speaker:
Mitchell Young
Director, Risk Management, TARGUSinfo

Session 271
Tuesday Continental Breakfast
Tuesday, 8:00 a.m. - 8:30 a.m.

Room: Grand Ballroom Prefunction

Session 273
Global Role of Low-Value Payments
Tuesday, 8:30 a.m. - 9:45 a.m.
Global Focus
Room: 101-102

With regulatory environment changes and clearing system enhancements making low-value payments in countries beyond the U.S. a reality, corporates are in a better position to transition their heavy use of high-value systems to low-value payment methods in many countries. This panel discussion features a corporate treasury practitioner, a global bank payments specialist and a non-bank payment firm representative in an interactive session. Discussion focuses on low-value payment options in various regions, and where low-value payments fit in an overall payments strategy based on factors such as cost, risk, timing and remittance information. Some of the challenges corporations, processors and banks face and how those are being overcome are explored. The role of international low-value payment methods in corporate efforts to establish regional or global payment factories is examined as well.

Speakers:
Laurie McCulley CTP
Principal, Treasury Strategies, Inc.
Ed Barrie
Senior Treasury Product Manager, Microsoft Corporation
Arthur Brieske
Director, Head of Global ACH & db-worldPAS, Deutsche Bank
Rene Pelegero
Sr. Dir. Industry Relations, Strategy & Compliance, PayPal, Inc.

Session 274
Operating Without a Safety Net: Tips for RDFIs
Tuesday, 8:30 a.m. - 9:45 a.m.
Automated Clearing House
Room: 104-105

As an RDFI operating in compliance, you can rely on the NACHA Operating Rules and related regulations designed to protect you. But what happens when there is not a rule, law or regulation that specifically addresses a situation? This session provides considerations and best practices through case studies to help ensure your financial institution makes the best decisions. Attendees are encouraged to share scenarios in this interactive session.

Speakers:
Meg Prieur AAP
Education & Training Manager, The Payments Authority, Inc.
Gina D. Carter AAP
Director, Education, EastPay, Inc.

Session 275
RDC Success Secrets: The Community Bank Experience
Tuesday, 8:30 a.m. - 9:45 a.m.
Check Electronification
Room: 106-107

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.

Speakers:
Lee Wetherington AAP
Senior Vice President, Goldleaf Financial Solutions, Inc.
Tina Hudson
Business Development Officer, Bartow County Bank
Kathy Levin AAP
Managing Director, Payments Information Circle

Session 276
Merchant RDC: Best Practices & Regulatory Insights
Tuesday, 8:30 a.m. - 9:45 a.m.
Check Electronification
Room: 109-110

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.

Speakers:
Claudia Swendseid
Senior Vice President, Federal Reserve Bank of Minneapolis
Michael Bilski
Executive Vice President, North American Banking Company
Kenneth G. Fulton
Supervisory Financial Analyst, Federal Reserve Board of Governors
Daniel J. McCarty
SVP, Treasury Management Services, Comerica Bank

Session 277
It's Not Just Your Father's Checkbook Anymore: The Biller's View
Tuesday, 8:30 a.m. - 9:45 a.m.
The Payments Biz
Room: 201-202

This information-packed panel discussion focuses on consumer payment trends, technology considerations and regulatory requirements amidst the growth of a wide variety of electronic options to traditional paper checks. Corporate payments experts, representing utilities, telecom and financial services discuss their respective experiences with all types of payment channels, methods and consumer adoption rates. Rising consumer demand for expanded choice is driving the proliferation of additional payment methods, including credit/debit cards, stored value cards, mobile payments and self-service channels such as the Internet and telephone. Panelists share their views of what methods and channels have hit adoption points both for continuing growth and declining usage.

Speakers:
Jill Bohlken
VP, Cash Operations, GMAC Rescap
Kelly Dizon
Director, Cash Application & Payment Solutions, Qwest Communications
Blaine Riley
Mgr., Remittance Processing & Mail Services, SCANA Corporation
Robert E. Wilson CTP
Chief Operating Officer, BillMatrix Corporation

Session 278
Recent Developments in Electronic Payments Law
Tuesday, 8:30 a.m. - 9:45 a.m.
Automated Clearing House
Room: 204-205

Presenters in this session discuss legal issues raised by current innovations in electronic payments law. Recent amendments to the NACHA Operating Rules and litigation and regulatory developments at the state and federal level are addressed. Topics include stored value cards, reduced "float" as a disguised fee, information security and data breach notification requirements, strong authentication, business method patents on payment technologies, Internet gambling payment blocking, AML and counter-terrorism. Hear what is happening in the legal and regulatory world today, and what might be brewing for the future.

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

Session 279
Mitigating Risk Between ODFIs, Originators & Third-Party Processors
Tuesday, 8:30 a.m. - 9:45 a.m.
Automated Clearing House
Room: 301-302

Relationships and responsibilities among ODFIs, Originators and Third-Party Processors may seem straight forward at first glance, but complex regulations and guidelines make it difficult to differentiate who owns the consumer relationship at various points along the way and how effectively each party passes information through the ACH process. That is why it is critical to understand the chain of events that connect the consumer to the processes between the ODFI, Originator and Third-Party Processors. Presenters examine how your organization can mitigate risk by knowing how your counterparts manage payments processing, and how you can work together to better know your customer.

Speakers:
Steven E. Bernstein
Vice President, JPMorgan Chase
Karen Brewster
Manager, Treasury Projects, Chrysler Financial
Patricia Frazier
VP, Industry Relations, Western Union

Session 280
The Return of The XML All-Star Team
Tuesday, 8:30 a.m. - 9:45 a.m.
Corporate Payments Solutions
Room: 304-305

ISO 20022 XML messages for corporations and banks are now beginning to be exchanged on B2B interfaces on a daily basis. Corporations continue to seek automated solutions in order to increase their efficiencies and transparency of transaction processing. Banks have collaborated so that a consistent usage is applied to the message content, and they have worked with ERP vendors to validate the data support within the business applications. Discover the initiatives being advocated by corporations and the benefits they have realized with their ISO XML integration. Hear how U.S. clearing systems, including the ACH Network, are incorporating these standards into their processing environment.

Speakers:
Susan Colles CPA, CBA
Senior Vice President, Bank of America
Robert Blair CCM
Vice President, JPMorgan Chase
Susan Boeri
Manager, Treasury Services, GE Corporate Treasury
Fred Laing, II AAP, CCM
President, Upper Midwest ACH Association
Leonard Schwartz
Director, ABN AMRO Bank

Session 281
NFC at the Retail Location
Tuesday, 8:30 a.m. - 9:45 a.m.
Card Solutions
Room: 306-307

Contactless technology has enabled consumers to make faster payments at the checkout area, particularly supporting those merchants with low-dollar transaction amounts. Yet adoption, as gauged by card issuance and merchant acceptance, is still in the nascent stages of development. Speakers in this session explore the potential for contactless payments in the retail environment. Technology underpinnings including RFID and the two-way communications offered by near field communication (NFC), and evaluation of what types of transactions are best enabled by each are examined. Attendees learn about the advantages of this technology in supporting faster payments, the factors that influence the business case assessment, and the barriers to widespread adoption at the merchant POS.

Speakers:
James Diezemann
VP, Business Development, MasterCard Worldwide
Carl Stauffeneger
Senior Vice President, KeyBank

Session 282
Merchants That POP
Tuesday, 8:30 a.m. - 9:45 a.m.
Check Electronification
Room: 318

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.

Speakers:
Mark Wallin
General Manager, First Data Corporation
Julie Bravi
Manager, Store Reconciliation & Controls, Valero Retail Holdings, Inc.
Mike Brown
General Manager, Retail Technology, Unified Grocers
Dan Cutright
Senior Manager, Sales Audit, Abercrombie & Fitch
Frank Torrell
Director, Asset Protection, Dollar Tree Stores, Inc.

Session 283
ACH Network Evolution: Infrastructure & Quality
Tuesday, 8:30 a.m. - 9:45 a.m.
Automated Clearing House
Room: 319

The payments industry is changing. As more financial institutions become image-enabled and as consumers continue to move towards using debit cards as a primary payment mechanism the industry must consider how the ACH Network must evolve to maintain its attractiveness. Will we reach a point where check conversion and image exchange volume level off? Have we reached the midpoint of check imaging and are we moving in the direction of all electronic payment options? What impact will new ACH applications and pilots and plans for B2B payments have on the future? Innovation is remaking the payments industry, but how do financial institutions choose among the different payments strategies and platforms to maximize the opportunity? How does the industry feel about the quality of the ACH Network? What steps can and must be taken to ensure the ACH Network remains a sound, safe and attractive payment option? What works and what could be improved? Listen to a panel of ACH industry leaders discuss the challenges that the Network faces, and what measures are being pursued through NACHA to address ACH Network infrastructure and quality.

Speakers:
Rossana F. Salaris AAP
Senior Vice President, Electronic Payments Network
Michael Herd
Managing Director, Network Rules, NACHA - The Electronic Payments Association
Richard W. Burke Jr. CCM
Senior Vice President, Commerce Bank
Jim McKee
SVP, Retail Payments Office, Federal Reserve System

Session 284
Are Payments Outpacing Regulations?
Tuesday, 8:30 a.m. - 9:45 a.m.
The Payments Biz
Room: 320

Technology has enabled payment pathways to converge in an environment that is defined by regulations that are the legacies of a previous era; however, many contend that these regulations have become constraints to innovation. When will new regulations emerge to support an environment that maximizes transactional efficiency while preserving the rights of all parties to the transactions? What are the essential elements of next-generation payment regulations, and who, if anyone, is driving their development? This session will take a thought-provoking look at the challenges created by the current payments regulatory environment and the opportunity to create a new regulatory environment that benefits all stakeholders.

Speakers:
Stephanie Heller
Counsel & Vice President, Federal Reserve Bank of New York
James Hicks
SVP & Group Executive, Payment Services, Wachovia Bank, N.A.
Devon Marsh
SVP, Electronic Services Risk Manager, Wachovia Bank, N.A.

Session 304
Tuesday Morning Refreshment Break
Tuesday, 9:45 a.m. - 10:15 a.m.

Room: Grand Ballroom/Exhibit Hall

Session 305
Groundbreaking ACH in Bangladesh
Tuesday, 10:15 a.m. - 11:30 a.m.
Global Focus
Room: 101-102

The focus of this presentation is to show hands-on experience and challenges of a multi-disciplinary, multi-national team urgently working with Bangladesh Bank officials to build a brand new ACH system from scratch. One of the main goals is to promote pro-poor economic development by helping overseas Bangladeshi migrant workers to send remittances home legally and efficiently by avoiding the underground "hundi" system, which is banned under the Anti-Money Laundering Act. A full range of experiences and valuable lessons learned are shared with the audience on how a developing country like Bangladesh leapfrogged from nothing to a modern payments system in a span of eighteen months.

Speakers:
Nawed Iqbal
Executive Vice President, United Commercial Bank
Randy Kahn
Senior Consultant, E-Finity Group, Inc.
Khandakar Muzharul Haque
Executive Director, Bangladesh Bank

Session 306
Global Convergence of Bulk Payment Operations
Tuesday, 10:15 a.m. - 11:30 a.m.
Global Focus
Room: 104-105

As corporations, banks and industries expand operations globally, payment operations become more standardized. Central banks and market infrastructures are leveraging best practices from developed economies and formulating common practices with their participants and their clients. Speakers from global organizations provide insight and anecdotal experience about the implementation of SEPA in Europe, U.S. standardization efforts and the development of payments practices in emerging markets such as Brazil, Latin America, China and Russia.

Speakers:
Edward W. Adams
Regional Director, SWIFT
Michael Knorr
Assistant Vice President, Citigroup

Session 307
500K Mobile Customers in 180 Days
Tuesday, 10:15 a.m. - 11:30 a.m.
The Payments Biz
Room: 106-107

This session addresses the strategy utilized by a large financial institution to launch their mobile banking product. Bank of America will review their recent launch of mobile banking, which gained more than 500,000 customers in less than 180 days and provides a forum for objectively contrasting and comparing the pros, cons, risks and costs of this experience in mobile.

Speaker:
Doug G. Brown
SVP, eCommerce Product Development, Bank of America

Session 308
Remote Deposit - A Tale of Two Banks: How We Did It & What We Learned
Tuesday, 10:15 a.m. - 11:30 a.m.
Check Electronification
Room: 109-110

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.

Speakers:
Jeffrey G. Williams AAP
VP, Deposit Operations Mgr., Royal Banks of Missouri
Uma Wilson AAP, CTP
VP, Treasury Product Management, UMB Bank

Session 309
Cutting Through the Clutter to Prioritize Payments Opportunities
Tuesday, 10:15 a.m. - 11:30 a.m.
The Payments Biz
Room: 201-202

Without a framework for filtering and prioritizing opportunities, executives face an almost insurmountable task in staying current with the explosion in payments innovation. For example, there has been a proliferation of potentially disruptive technologies that may change the competitive landscape. These include decoupled debit, alternative networks, and mobile banking and commerce, plus several recent acquisitions of specialty payments providers by financial institutions. Staying current with everything is nearly impossible. Focusing on the things that matter to your institution is the key. The speakers present a framework that meets this need. It shows how, for example, legacy banks should focus in different areas of the payments landscape than those of many specialty vendors. The framework for regional banks is also illustrated. Attendees learn how to face the challenges identifying "where to play" in the payments spaced based on an institution's competencies and contacts, and how to balance payments focus against significant revenues derived from "core product accounts."

Speakers:
Gordon Goetzmann
Executive Vice President, First Manhattan Consulting Group
Paul Sussman
Vice President, First Manhattan Consulting Group

Session 310
Leveraging Your ERP for Electronic Vendor Payments
Tuesday, 10:15 a.m. - 11:30 a.m.
Corporate Payments Solutions
Room: 204-205

All categories of checks have declined dramatically in the last seven years except for business-to-business (B2B) checks. Recent statistics still have B2B checks at over 6% of the total. Service providers are making it easier than ever for businesses of all sizes to migrate B2B payments to CTX. Come hear from companies that are leveraging the investment in their ERP system to originate ACH vendor payments, thereby reducing internal costs and streamlining processes. These companies represent opposite ends of the spectrum in terms of industry and size, but are great examples of what can be accomplished through leveraging existing back-office systems. You will come away from this session with a better understanding of and practical advice on what it takes to implement a best-in-class B2B vendor payment process in your company.

Speakers:
Susan Capps
VP, Treasury Solutions Sales, Wells Fargo
Raymond C. Vines CTP
Director, Treasury Operations, Radio Shack

Session 311
Managing Third-Party Credit Risk: It's Not Just About the Money
Tuesday, 10:15 a.m. - 11:30 a.m.
Automated Clearing House
Room: 301-302

Third-Party Sender relationships are increasing and the regulatory sector has begun to focus on ODFI credit underwriting of these parties. Some financial institutions do not realize they even have these types of relationships until they are audited, experience a monetary loss or receive a Rules Violation. As an ODFI, do you examine Originator disclosures/authorizations when a Third-Party Sender is utilized? Do you know what types of transactions the Originator is sending through the Third-Party Sender? Attendees learn how to develop and manage an effective underwriting process of a Third-Party Sender by identifying a Third-Party Sender as defined by the NACHA Operating Rules; establishing guidelines of acceptance based not only on credit worthiness but on the type of business; and training the credit/risk group within your organization to understand the implications of ACH processing on credit/risk practices. Hear a community bank, a Regional Payments Association, and third-party service provider discuss the challenges of underwriting a Third-Party Sender and how their experiences taught them a valuable lesson about not only knowing their customer, but knowing their customer's customer.

Speakers:
Dana Peace Bianculli AAP
National Account Manager, MoneyGram International
Kim A. Bruck AAP
VP, Risk Management, PaymentsNation
Houri Wartanian AAP
VP, Director of Electronic Payments, National Bank of California

Session 312
Federal Reserve's Retail Payments Research Study
Tuesday, 10:15 a.m. - 11:30 a.m.
The Payments Biz
Room: 304-305

Since the inception of paper-based electronic payments, the payments landscape has changed dramatically. In response, the Federal Reserve System commenced the third Retail Payments Research Project (initially conducted in 2001 and subsequently in 2004) to track the trends and current makeup of the retail payments market in the U.S. Participants are briefed on the studies' latest findings which target the change in use and amount of checks, credit and debit cards, and ACH transactions in 2007. The audience will walk away with knowledge of how these trends may affect their financial institutions or industry involvement.

Speakers:
Ed Bachelder
Director of Research, Dove Consulting
Richard R. Oliver
EVP & Retail Payments Product Manager, Federal Reserve System
David C. Stewart
Senior Expert, McKinsey & Company
Jack K. Walton II AAP
Associate Director, Board of Governors Federal Reserve

Session 313
Card Funded Payments in the Bill Pay World
Tuesday, 10:15 a.m. - 11:30 a.m.
Card Solutions
Room: 306-307

While credit cards are a common payment option at biller direct sites, the vast majority of bill payment transactions powered through online banking sites today are funded through demand deposit accounts (DDA). During this session, the speaker explores the opportunities and challenges associated with credit and debit card payments as an alternative to DDA funding. The speaker also addresses the business case offered by card acceptance and the success factors required to ensure consumer adoption. Several prevailing models for supporting card payments, and the various initiatives the card associations have underway to support card funded payments within the financial institution bill pay world are also discussed.

Speaker:
Jeffrey Lewis
President, Metavante Corporation

Session 314
Best Practices In Preparing for IAT Implementation
Tuesday, 10:15 a.m. - 11:30 a.m.
Global Focus
Room: 318

The IAT implementation brings new opportunities and responsibilities for ACH network participants. Whether you're an Originator wanting to know under which circumstances the IAT must be used, an ODFI unsure of you're responsibilities related to transmitting such entries into the network or an RDFI unclear of what policies and procedures are necessary to comply with new screening requirements this session will provide important insight. Learn the responsibilities as an RDFI/receiver and ODFI/originator. If you're already ready to begin accepting and transmitting entries, have you considered how to obtain and manage data related to these transactions? What steps do originating companies need to take for processing and analyzing information? Cross-border ACH will impact more than the treasury management area - it will have an impact on everything from your operating systems to your client relationship management and compliance areas - learn best practices to ensure you've covered all your bases? Speakers from NACHA and both ACH Operators will provide tips and checklists to help you in preparing for the IAT implementation on March 20, 2009.

Speakers:
Priscilla Holland AAP, CCM
Senior Director, International Programs, NACHA - The Electronic Payments Association
Elizabeth McQuerry
Assistant Vice President, Federal Reserve Retail Payments Office
Timothy Mills AAP
VP, Association Services, Electronic Payments Network

Session 315
From Check to Electronic Payments: The B2B Outlook
Tuesday, 10:15 a.m. - 11:30 a.m.
Corporate Payments Solutions
Room: 319

The U.S. payments system is evolving rapidly from paper to electronic payments. How is this change affecting business-to-business (B2B) payments usage, which has long favored paper checks? Industry experts from the Association For Financial Professionals (AFP) and the Federal Reserve (FR) highlight results from recent research on the current state of B2B payments and implications for the future. How much progress has been made since the FR estimated B2B checks in 2001 and the AFP surveyed B2B payments practices of its members in 2004? Adding a "real world" perspective, two corporate practitioners discuss their B2B payment practices and rationales, and offer their "color commentary" on the AFP and Fed research. Panelists cover a range of issues including: (1) key barriers to greater use of electronic B2B payments; (2) integrating the payment with other financial processes; and (3) the outlook for B2B electronic payments adoption. Panelists also offer suggestions for action to accelerate the migration of B2B checks to electronic alternatives.

Speakers:
Arlene S. Chapman CTP
Senior Consultant, Technical Services, Association for Financial Professionals
Daniel W. Ellecamp CCM
Financial Consultant, California State Automobile Association
Rue Jenkins
Assistant Treasurer, Costco Wholesale Corporation
Claudia Swendseid
Senior Vice President, Federal Reserve Bank of Minneapolis

Session 316
mCommerce for Remote Retail Transactions
Tuesday, 10:15 a.m. - 11:30 a.m.
Corporate Payments Solutions
Room: 320

Mobile subscribers in the U.S. recently surpassed 240 million, more than the number of U.S. Internet users! Over 80% of phones have the capability to send text messages and/or access the mobile Internet. Those that shape the banking and payments markets have begun to incorporate mobile into their core strategies, including operators like AT&T, banks like Wachovia, along with major retailers and brands that influence American culture such as ESPN. Learn about how mobile banking and mobile payments will converge to create new opportunities for retail brands to sell direct to consumers using their mobile phone. Understand the different approaches that retailers are taking to exploit this channel to ultimately drive incremental sales by enabling their customers to buy anywhere, anytime. Lastly, learn how the payment industry can and should support these efforts to ensure they maintain their share of the payments market.

Speakers:
Tim Sherwin
Executive Vice President, CardinalCommerce Corporation
Nanci Rainey
VP, Business Development, Firethorn, a Qualcomm Company

Session 333
2008 NACHA Payments System Awards Luncheon
Tuesday, 11:45 a.m. - 1:30 p.m.
General Interest Sessions
Room: Premier Ballroom

The 2008 NACHA Payments System Awards Luncheon Sponsored by IBM. Join us for this full service luncheon where outstanding accomplishments in the electronic payments industry are recognized with the presentation of the 2008 George Mitchell Payments System Excellence Award and the 2008 Kevin O'Brien ACH Quality Award. The annual NACHA awards are an excellent opportunity for companies, financial institutions, and service providers to demonstrate their performance and results in electronic payments. After the ceremony, sit back and enjoy hearing Ben Mezrich. Whether describing the thrills of insanely high stakes poker or exposing the seamy underbelly of boxing promotion, Ben Mezrich has established himself as the premier chronicler of the lives of the young, the brilliant, the impossibly rich, and the borderline crazy. On the lecture stage he brings to vivid life the clandestine worlds that have figured in his blockbuster books and made him one of the hottest commodities in publishing and entertainment today. Recently named People magazine's "Sexiest Author," Mezrich has penned eight books with a combined printing of more than one million copies in nine languages. They include the wildly popular bestsellers Bringing Down the House: The Inside Story of Six M.I.T. Students Who Took Vegas for Millions (the basis for 21, the MGM feature film starring Kevin Spacey); Ugly Americans: The True Story of the Ivy League Cowboys Who Raided the Asian Markets for Millions; and Busting Vegas: The MIT Whiz Kid Who Brought the Casinos to Their Knees. Mezrich also co-hosts GSN's World Series of Blackjack, contributes regularly to Stuff magazine, and advises casino owners on ways to avoid getting fleeced by the card sharks whose exploits he has made the stuff of legend.

Speakers:
Peter Bearor
Global Payments Executive, IBM Corporation
Danne Buchanan
Executive Vice President, Zions Bancorporation
Steve M. Ellis
Executive Vice President, Wells Fargo
Elliott C. McEntee
President & CEO, NACHA - The Electronic Payments Association
Ben Mezrich
Author

Session 337
Making Tax Collections Less Taxing: Image Cash Letter with ACH
Tuesday, 1:45 p.m. - 2:45 p.m.
Check Electronification
Room: 101-102

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.

Speakers:
Betsy Price RTA
Tarrant County Tax Assessor Collector, Tarrant County
Hector Sandoval
VP, ACH Product Manager, JPMorgan Chase

Session 338
Global Trends & Emerging Markets: Consumer Trends for the Future
Tuesday, 1:45 p.m. - 2:45 p.m.
Global Focus
Room: 104-105

Euromonitor International's financial card industry research on 41 countries around the globe provides a detailed look into key markets ripe for future growth. A representative of the firm shares insights in this examination of global financial cards trends. Countries and regions making an immediate and future impact on the industry are discussed -- China, India, Latin America and Eastern Europe -- where opportunities for growth are tremendous. Evaluations are provided of the consumer, lifestyle and cultural preferences, the state of the retailing industry, entry strategies, current company shares and competitive analysis. Forecasts for the global market through 2011 are shared and the trends analyzed that will make a difference for years to come. Data and analysis include ATM, credit, charge, debit, ePurse, and store cards.

Speaker:
Jonathan Fisher
Financial Cards Industry Manager, Euromonitor International

Session 339
Optimizing Efficiencies in a Payment-Agnostic Environment
Tuesday, 1:45 p.m. - 2:45 p.m.
The Payments Biz
Room: 106-107

Today's highly competitive banking market requires an ability to quickly meet or exceed customer expectations. Corporate customers represent an even more complex challenge due to the high volume of time-critical financial data they exchange on a global basis. Banks and corporates seek every efficiency to maximize business returns and increase bottom-line results, and want to send a clear signal that customers can not only rely on the integrity of their data, but also keep pace with the inevitable changes and upgrades of their business over time. This presentation offers a case study of how a bank reacted to evolving customer needs. This includes improved payment processing efficiencies, including improved straight through processing, shortened implementation timelines and elevated customer satisfaction across all payment types via a central repository. Features include intelligent decisioning (using a rules-based engine driven by a business interface), visibility to all payments, customer self-service, and scalability. Hear how one bank is capitalizing on significant opportunities to improve profitability through integrated payment transaction management.

Speakers:
Linda Coven CCM
Head of Product Development, Silicon Valley Bank
Elizabeth A. Cronenweth AAP, CTP
Product Line Manager, Financial Services, Sterling Commerce

Session 340
The Interdependency of Banking, Economics & Cash Management
Tuesday, 1:45 p.m. - 2:45 p.m.
Corporate Payments Solutions
Room: 109-110

Has that bank down the street recently changed their name? Have you seen a change in the value you need to place on bank fees when preparing next year's budget? Without using a crystal ball, do you think you can anticipate additional changes to come in the near-term? Explore the trends in the banking, economic and cash management landscapes. Learn how world events, the movement of rates, declining check volume, record growth of electronic transactions and regulatory requirements have worked together to impact the players in the banking landscape and technological development in the cash management industry. Get a glimpse of the outlook for the future of cash management based on the trends of today.

Speaker:
Kristen Ritchie CTP
SVP & Regional Sales Director, Charter One Bank, Member of RBS, plc

Session 341
How to Build the Perfect Plan for ACH Adoption
Tuesday, 1:45 p.m. - 2:45 p.m.
Corporate Payments Solutions
Room: 201-202

This session reviews how ACH and other electronic payment types are making the acceptance of rent and other real estate transactions more convenient than ever before for property owners, managers and residents. Attendees learn how to effectively roll out ACH to receptive consumer audiences, and how to ensure that adoption rates are kept as high as possible. Using real world examples, the panelists define some key points that influence the success of ACH programs that can be applied across industries. Perspective on how ACH fits into the bigger picture to meet an organization's fiscal and strategic goals is also presented. Panelists address potential barriers to adoption, and offer practical advice on removing roadblocks. Attendees are provided with an easy to use checklist that will help them assess their organization's readiness for ACH.

Speakers:
Ryan Gilbert
Vice President, PropertyBridge, Inc., A MoneyGram Company
DeeAnne Clowes
Senior Vice President, GREYSTAR Real Estate Partners, West
John Marts
VP, Treasury Solutions, Wells Fargo

Session 342
Payments Aren't about Payments Anymore
Tuesday, 1:45 p.m. - 2:45 p.m.
The Payments Biz
Room: 204-205

What do Google Checkout, PayPal, Bill Me Later, Amazon.com, American Express, Visa, MasterCard, and Capital One all have in common? Hint: it's not that they all facilitate moving money from consumers to merchants. We are, in fact, in the early stages of a fundamental paradigm shift in payments. The value payment providers bring to merchants, especially emerging payment providers, is all about bringing new customers to merchants and increasing revenue merchants get from existing customers. In this leading edge presentation, the panel explores how the older, more established payment systems are seeking to leverage their huge volumes of warehoused data, and how the rules of the game have changed for new and emerging payment firms. Hear how the old market entry strategies of lowering merchant costs are being thrown by the wayside, and how the market has raised the table stakes.

Speakers:
Allen Weinberg
Managing Partner, Glenbrook Partners
Mark Lavelle
VP, Strategic Planning & Corporate Development, Bill Me Later, Inc.
Todd Pearson
Vice President, PayPal, Inc.
AJ Shanley
VP, Business Development, TrialPay, Inc.
Tracy Wilk
Director, Global Payments, Settlement & Fraud, Google, Inc.

Session 343
Which Came First The Chicken or the Payment?
Tuesday, 1:45 p.m. - 2:45 p.m.
Corporate Payments Solutions
Room: 301-302

In the ever-evolving world of payments, a cash manager must be prepared to manage what the industry is calling the payments convergence. In this session, attendees learn some best practices in managing the vast array of transaction types that will affect a corporation's receivables. The session explores suggestions for more efficient ways in which to handle a variety of electronic and paper-based receivables arriving as point-of-sale, mail and exception items. In today's environment, with so many types of payment vehicles from which to choose, corporations have to be equipped to handle atypical transactions of all types, and must be able to efficiently handle them wherever they may be received. Perdue Corporation provides insight regarding the product choices they made and how those choices affected their internal processes, receivable efficiency and overall cash flow.

Speakers:
Sandra Schlesinger
Cash Manager, Perdue Farms, Inc.
Kelly Bradshaw-Moran
VP, Cash Management, Citizens Bank
Tom Kettell
Strategic Business Manager, Emerging Markets, Epson America, Inc.

Session 344
Secure Vault Payments - A New Way of Doing Business Online
Tuesday, 1:45 p.m. - 2:45 p.m.
Automated Clearing House
Room: 304-305

With the use of alternative payments rapidly growing, NACHA's Secure Vault Payments (SVP) product provides an exciting opportunity for financial institutions to meet the needs of both consumer and business customers. SVP enables consumers to easily make purchases and pay bills online utilizing the ACH network, and is set to launch in early 2008. Attend this session to hear the latest about SVP, the launch, current implementations, and how the SVP network will grow throughout 2008.

Speakers:
Samantha Carrier
Senior Director, Advanced Payments Solutions, NACHA - The Electronic Payments Assoc.
Spencer Chesman
Founder & CEO, iGourmet.com
Jeffrey Lewis
President, Metavante Corporation

Session 345
PCI for Smaller Merchants: Gaining from Security Compliance
Tuesday, 1:45 p.m. - 2:45 p.m.
Card Solutions
Room: 306-307

Since data security standards started a few years ago, card data compromises are on the rise and security requirement deadlines are moving closer. Criminals are now going after smaller merchants because there are so many more vulnerable systems to choose from and the breaches do not create as much media attention. As merchant card services become more of a commodity, PCI-compliance for smaller merchants is providing a valuable distinction in addition to reducing risk and costs. With case studies and stories, presenters show how PCI-compliance is good for business and good for consumer confidence in the entire payments system.

Speakers:
Susan Kohl
President, ThoughtKey, Inc.
Chuck Phipps AAP, CTP
AVP, Merchant Acquiring & ACH Services, Palm Desert National Bank

Session 346
New ACH Regulatory Requirements: Are You Ready?
Tuesday, 1:45 p.m. - 2:45 p.m.
Automated Clearing House
Room: 318

Now that the NACHA Operating Rules amendments for the International ACH Transaction (IAT) entry have passed and an implementation date set, has your institution started to prepare for March 2009? Is your software provider taking steps to distinguish those transactions that must be classified as IAT entries and are you familiarizing yourself with the new ACH Record formats? Have you assessed what areas of your organization and what business processes will be affected? Speakers in this session offer a detailed overview of the changes to the Rules, including discussions on the format and the definition of an International ACH Transaction -- the new definition goes beyond what were formerly known as cross-border entries -- and an examination of participant impact.

Speaker:
Priscilla Holland AAP, CCM
Senior Director, International Programs, NACHA - The Electronic Payments Association

Session 347
Commoditization of Bank Networks: Havoc or Hope?
Tuesday, 1:45 p.m. - 2:45 p.m.
The Payments Biz
Room: 319

Nothing is as it seems in payments anymore. Capital One, PayPal and HSBC have decoupled debit cards from DDAs. The card associations, now public entities, brand just about everything and address pressures for more enlightened pricing. EFT networks exploit the PIN-less debit opening to get into the innovation game. Payments processors bulk-up, spin-off or go private -- chasing new positions in the emerging payments landscape. The net result is a payments 'free-for-all' that will be played out under radically different economics and harrowing security challenges in a marketplace where bank networks are rapidly becoming openly-accessed commodities. This session brings all these changes into a proper context and holistic perspective, enabling attendees to: handicap the product providers and markets, and speculate on potential winners and losers; understand the consequences of all the recent financial restructuring on the industry; assess the relative impact of all these changes on their institution's bottom-line; and consider which strategic options offer their best business prospects for the future. The session also avails a quantitative framework for projecting payment revenues and incomes over the next ten years.

Speaker:
Steve Mott
Principal, BetterBuyDesign

Session 348
Generating Revenue from Next Generation Online Financial Services
Tuesday, 1:45 p.m. - 2:45 p.m.
Corporate Payments Solutions
Room: 320

In recent years, the "soft ROI" benefits of online banking and bill payment have been much touted. The increased customer loyalty, lower churn rates and higher satisfaction that result from the use of these services has been well documented. However, financial institutions and corporations are now looking to drive real return on investment in the form of reduced costs and increased revenue from the online channel. This panel presentation focuses on online financial services that are poised to gain momentum as revenue drivers in 2008 and beyond, including emergency payments and debit and credit card funding of online payments. A leading analyst examines the industry shifts that are turning emergency payments and debit/credit card funding into "must-have" online service offerings. Presenters from a leading financial institution and a leading corporation discuss the factors that impact the decision to offer emergency payments or debit and credit card payment options to customers, as well as their ongoing strategies around these services.

Speakers:
Jennifer Roth CTP
Senior Analyst, Global Payments, TowerGroup
William Attinello CFA
Director, Verizon Wireless
Angeline DePauw
Director, Electronic Payments, Verizon Communications
Bob Homer
VP, Product Management, CheckFree, now part of Fiserv
Donna N. Patel
SVP, Online Services & Payment Dir., Wachovia Bank, N.A.

Session 368
Tuesday Afternoon Refreshment Break
Tuesday, 2:45 p.m. - 3:15 p.m.

Room: Grand Ballroom/Exhibit Hall

Session 369
Getting Back to the Business of Business: ADT Best Practices
Tuesday, 3:15 p.m. - 4:15 p.m.
Corporate Payments Solutions
Room: 101-102

This case study demonstrates how ADT dramatically improved customer service and the customer's experience by enhancing and streamlining payment processing. The session explores the business forces driving the company's requirements and decisions, and how it evaluated existing processes, including high pain exceptions. After reviewing their payment alternatives and key partners, key decisions, implementation and the results of the transition are discussed. Learn by example how to evaluate receivables processing practices, identify issues that affect customer satisfaction, determine if you and your payment partner are committed to the same goals, quantify exception processing costs, and enhance both financial and customer satisfaction.

Speakers:
Sheila Knight-Fields
Director, Shared Account Services, ADT Security Services, Inc.
Mary Zerjav AAP, CTP
ACH Product Manager, The Bank of New York Mellon

Session 370
Maximizing Success in an eInvoicing Implementation
Tuesday, 3:15 p.m. - 4:15 p.m.
Corporate Payments Solutions
Room: 104-105

This case study addresses the challenges one company faced in mandating eInvoicing with its supplier community en route to fulfilling its objective of eliminating both the non-value-added activities connected with invoice processing as well as the errors that can be introduced through re-keying data from paper invoices. Benefits achieved include: vastly reduced invoice cycle time; far more accurate and prompt payments to suppliers; ability of the accounts payable department to take on more volume without adding head count; line-level matching for raw materials; and improved relationships with suppliers. It also includes practical advice regarding the makeup of the internal team in an eInvoicing implementation, how to respond to and align all the divisional and departmental interests and objectives, and how to gain supplier acceptance and enthusiasm.

Speakers:
Barbara Myers
Manager, Central Processing, Greif
Thayer Stewart
VP, Business Development & Marketing, OB10

Session 371
The Changing Payments Landscape: Are you Fred Flintstone or George Jetson?
Tuesday, 3:15 p.m. - 4:15 p.m.
Corporate Payments Solutions
Room: 106-107

Learn about trends within the payment landscape and why these trends are important to you and your company. A CFO of large corporation discusses the how the current situation and trends within the industry are impacting his job and his company. Discover how the changing payment landscape is impacting the complexity, competitive demands, control and constraints in today's financial jobs. Speakers discuss how increasing business opportunities and reducing expenses align with existing and new payment methods. In addition, learn how to ensure that you remain in control by maximizing information reporting for better borrowing, investment decisions, and movement of funds, with the appropriate security measures. Learn how to streamline processes for routine tasks, leaving you more time for strategic thinking and maintaining a competitive advantage.

Speakers:
Douglas E. Downey CTP
AVP, Cash Management, HCA
David Fuller CCM
EVP, Treasury & Payment Solutions, SunTrust

Session 372
Check Electronification Hardware - Fact, Fiction & What You Need to Know
Tuesday, 3:15 p.m. - 4:15 p.m.
Check Electronification
Room: 109-110

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.

Speakers:
John Leekley
Founder & CEO, RemoteDepositCapture.com
John Gainer
Senior Vice President, Digital Check Corporation
Kevin Han
VP, Sales, Panini North America
Tom Kettell
Strategic Business Manager, Emerging Markets, Epson America, Inc.
James LaMere
Director, Sales & Solutions Consulting, Unisys Corporation

Session 373
Improved Reliability of Retail & Commercial Payments Information
Tuesday, 3:15 p.m. - 4:15 p.m.
Global Focus
Room: 201-202

What do you need to know about the implications of multi-country payment standards? Global business standards require information to be reliably transmitted across many jurisdictions, networks, and financial institutions. New standards will help financial institutions and their trading partners exchange reliable, private, and secure payment information. The speaker highlights his experience with technologies from the International Organization for Standards (ISO) 20022, Object Management Group (OMG), and UN/CEFACT. Join this session to learn about the business and technology do's and don'ts and developments on the horizon for global payments.

Speaker:
Carlo Palmers
Head of Payment Standards Development, SWIFT

Session 374
Pay It Green
Tuesday, 3:15 p.m. - 4:15 p.m.
Automated Clearing House
Room: 204-205

Consumers are making choices based on the environmental impact of a company and a product. Receiving electronic statements and bills and making electronic payments offers safe, reliable and "green" benefits to the consumer. The Pay It Green Alliance is comprised of the leading banks and billing processors to educate consumers about the environmental benefits of choosing to take the paper out of their financial statements, household bills and payments. Hear about the project framework, actionable outcomes, and what comes next in the Pay It Green movement.

Speakers:
Jack Lamey AAP
Manager, Finance, Qwest Communications
Craig Vaream
Managing Director, JPMorgan Chase
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv

Session 375
Bank & Biller Direct Bill Payment Insourcing vs. Outsourcing: Saving Millions, or a Costly Mistake?
Tuesday, 3:15 p.m. - 4:15 p.m.
The Payments Biz
Room: 301-302

U.S. banks and billers pay outsource vendors roughly $1 billion annually for online bill payment, then give the service away for free to their customers. For many banks and billers, this has become one of their largest monthly vendor invoices. Although many still use a single processor, most have considered insourcing part or all of their payment processing to reduce costs, increase control and gain access to their data. Although several large banks and billers have insourced bill payment processing and openly advocate least cost routing, there are other examples of others that have tried to insource, only to abandon the effort and sign a long-term contract with a single processor. In this session, one of the leading experts in the U.S. on bank and biller insourcing will explain when insourcing makes sense, what resource commitments are required, and how to successfully manage the risk. This session could help you to save millions of dollars for your organization, or help to avoid a costly mistake.

Speaker:
Fred Brothers
Managing Partner, eCom Advisors

Session 376
When a Check is Not a Check
Tuesday, 3:15 p.m. - 4:15 p.m.
Check Electronification
Room: 304-305

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.

Speakers:
Ron Gorsline
Partner, Consumer Financial Services, Chambliss, Bahner & Stophel
Cynthia J. Thompson AAP, CCM
Education & Training Director, The Payments Authority, Inc.

Session 377
Leveraging Customer Preference with Predictive Modeling
Tuesday, 3:15 p.m. - 4:15 p.m.
Card Solutions
Room: 306-307

With hundreds of millions of dollars on the line each year, card issuers are looking for better ways to reach the right customer with the right payment product offer, whether to acquire new customers, strengthen and expand their existing relationships or create greater efficiencies with their direct marketing campaigns. Speakers present data, insights and results from applying innovative predictive modeling tools to real-world market cases. Case studies draw consumer credit risk characteristics with consumers' preferences of all payment options. Speakers share unique and comprehensive insights into consumer behavior, attitudes, and preferences for payment products that are creating powerful propensity and scoring models. The presentation illustrates how card issuers are making more profitable decisions with survey-based attitudinal data in conjunction with credit-behavioral data. The creation of a new model and scoring system enables more efficient direct marketing that can target the right customer with the right payment product for retention, profitability and growth.

Speakers:
Mary Ann Blotzer
Senior Consultant, TransUnion
Beth Costa
Director, Edgar, Dunn & Company

Session 378
Constructing an Effective Risk Management Program
Tuesday, 3:15 p.m. - 4:15 p.m.
Global Focus
Room: 318

In this session, speakers outline the most common and emerging threats in the current environment. Discussion includes dissecting the leading edge techniques and technologies that can be incorporated in any AML and terrorist financing program. Speakers share recent real world examples to highlight the resource and financial costs associated with implementing effective prevention programs, and discuss the ramifications of being exploited through exposure to these risks.

Speakers:
Bernard Beck
SVP & Chief Compliance Officer, Custom House
Christopher Pilkerton, Esq.
Attorney, Ruddy Law Office, LLC

Session 379
How to Make Your Business More Vulnerable to eFraud
Tuesday, 3:15 p.m. - 4:15 p.m.
The Payments Biz
Room: 319

This session teaches audience members some of the principal ways in which companies and financial institutions, through inadvertence or mistake, may make their organizations more vulnerable to various types of electronic fraud (and how they can avoid creating such vulnerabilities). The presentation, by a leading expert on electronic fraud and identity theft at the U.S. Department of Justice, uses a number of real-world examples in informing the audience about some of the critical mistakes or misjudgments by business entities that enabled criminals in the U.S. and other countries to exploit vulnerabilities and commit identity theft and fraud. It also identifies various policies and techniques that organizations can use to reduce their risks of electronic fraud.

Speaker:
Jonathan J. Rusch
Deputy Chief for Strategy & Policy, U.S. Department of Justice

Session 380
Network Effect: Expedited Payments & Payment Consolidation
Tuesday, 3:15 p.m. - 4:15 p.m.
The Payments Biz
Room: 320

The market for premium expedited payment services is exploding and is estimated to reach $1.7 billion by 2009 as more consumers pay premium fees for guaranteed faster payments. Biller-direct web sites continue to experience exponential adoption increases, as they serve those customers who want their payments posted at the last minute. But truly same-day expedited payments serve both consumer and biller demands -- consumers' payments are credited the same day they are made, and billers receive payment the same day. How? Through the network effect generated by marrying a broad biller network, with hundreds of endpoints, that connects directly to financial institutions. In this session, speakers examine banking-based expedited payments that link the financial institution gateway directly to a biller network and the benefits for consumers and billers for cash and treasury management. Also discussed are the advantages gained for account settlement when a financial institution is able to receive a consolidated biller batch file for its thousands of consumers paying hundreds of billers every day.

Speakers:
David Munger
VP, Product Management, Online Resources Corporation
Mike Randall
Chief Information Officer, Silver State Schools Credit Union

Session 385
Remittance Standards for Wire Payments
Tuesday, 4:30 p.m. - 5:30 p.m.
Corporate Payments Solutions
Room: 101-102

Three payments industry utilities have teamed up to foster discussion and action among financial institutions to help manage the migration of checks to electronic payments and ensure that the payment channels are ready. Join representatives from the Federal Reserve, The Clearing House and SWIFT in a lively and provocative discussion about corporate trends in wire payments, remittance standards initiatives, and steps financial institutions can take to influence the payments landscape. This includes initiatives to ensure that payments systems can carry remittance invoice information in a standard format to make it easier for corporations to reconcile and post electronic payments.

Speakers:
Hank Farrar
Senior Vice President, CHIPS
Lauren Hargraves
Senior Vice President, Federal Reserve Bank of New York
James Wills
Business Manager, Standards, SWIFT

Session 386
Virtual Collection Agent: A New Channel for Delinquent Payments
Tuesday, 4:30 p.m. - 5:30 p.m.
The Payments Biz
Room: 104-105

With the meltdown of the subprime mortgage market spilling over into prime lenders' portfolios and the threat of consumer delinquency rates increasing in the card industry and across multiple biller industries, the task of collecting delinquent payments represents a unique challenge. The challenge is made greater by the need to maintain good customer relations with delinquent account holders. The web channel is proving to be a powerful venue for improving delinquent payment rates by providing financial institutions and billers with a virtual collection agent that helps them make right-party contacts, decrease delinquency roll rates, increase payment rates and amounts, and provide a supportive 24x7 collections environment. This session looks at the key role the web channel can play in expanding or implementing effective collection efforts. Other topics addressed include trends in consumer behavior that have made web-based collections a natural next-step in the evolution of the online payment channel, and virtual payment collection best practices, including consumer-focused marketing that can help increase ROI and preserve valued account relationships.

Speakers:
William T. Kinnelly
SVP, eCommerce Services, Online Resources Corporation
Lee M. Narwold
VP, Risk Operations, Royal Bank of Scotland

Session 387
Determining the Best Practices in Online Bill Pay
Tuesday, 4:30 p.m. - 5:30 p.m.
The Payments Biz
Room: 106-107

Debit bill payment continues to be one of the fastest growing forms of consumer payment on the Internet. A 2005/2006 STAR Consumer Payments Usage Study found that 40% of consumers with Internet access pay their bills online. With such an increase in consumer demand for online bill payments, billers must recognize, evaluate and develop strategies to respond to the increased interest in paying using debit. In order to promote consumer choice of payment options and increase adoption, the STAR Network, in association with other EFT networks, has developed a set of guidelines to assist billers and processors to help their consumers understand new payment options. In this session, speakers discuss these options, explore trends driving the online bill payment industry and define what it takes to implement these new technologies. Determine the most effective payment options to reach your particular consumer audience and learn the latest consumer opinions on payment methods.

Speakers:
Leon Majors
President, Phoenix ESP Payments Research Group
Cherie McDowell
Management Analyst III, Nevada Department of Motor Vehicles
Melissa Santora
Director, Product Development, STAR Network

Session 388
Clearing With or Without ACH: Making the Most of Remote Deposit
Tuesday, 4:30 p.m. - 5:30 p.m.
Corporate Payments Solutions
Room: 109-110

With the rapid adoption of today's remote deposit technologies, and the highly complex nature of the solutions available, this presentation is a practical and comprehensive examination of real world applications. How two remote deposit practitioners have employed a fully integrated Web-based receivables platform to achieve processing efficiencies, improve funds availability, reduce transportation risk and cost, and consolidate their accounts and banking relationships is examined. In these case studies, speakers examine the rationale for adopting remote deposit technology, as well as the decision making process behind choosing whether to use remote deposit with or without ACH-eligibility and clearing functionality. In looking at the best practices of these organizations, speakers delve into each company's decision logic and lay out an overall framework that attendees can use for deciding which clearing method(s) make the most sense for them.

Speakers:
Evan Davis CTP
VP, Commercial Treasury Product Mgmt., Fifth Third Bank
Ruth A. Harpool AAP, CTP
Associate Director, Treasury Operation, Indiana University

Session 389
Small Business: 24.7 Million Businesses Need Help
Tuesday, 4:30 p.m. - 5:30 p.m.
The Payments Biz
Room: 201-202

Large companies utilize automated customer payment solutions to create significant efficiencies in cash collection. The 24.7 million small businesses desire these same efficiencies, but have been slow to adopt automated payment solutions. Banks have had difficulty offering efficient solutions to small businesses that generate profitable revenue. This session examines reasons for the slow adoption rates, identifies barriers that need to be overcome, and highlights economic rewards available to banks and providers that can solve the needs of the small business owner. By providing a simple solution, providers can alleviate the confusion that causes fear and delays adoption. To do this, providers must truly understand what is important to small businesses and eliminate noise from the decision making process.

Speakers:
Jeff Gardner
President, PaySimple
Karen Webster
Co-Founder & President, Market Platform Dynamics

Session 390
Viewpoints On ACH Worldwide Viability
Tuesday, 4:30 p.m. - 5:30 p.m.
Global Focus
Room: 204-205

How does the ACH Network translate in other countries and on other continents? Representatives of three companies in three different industries that use International ACH for payments outside the U.S. discuss the future of ACH-type payments worldwide. Discover what drove their decisions to utilize international ACH. Learn how to calculate the volume at which ACH becomes more economical than wire and how to quantify the potential savings. Hear some of the challenges to consider in evaluating whether or not to use international ACH, such as country-specific formatting requirements, settlement times and rights of recision. Benefit from panelists' experiences on where in the world low-value clearing systems are reliable and where they're not.

Speakers:
E. Judd Holroyde
Senior Vice President, Wells Fargo
Michael DeSimone
VP, Operations & Business Solutions, Travelex Commercial Foreign Exchange
Bill Gammerdinger CTP
Assistant Treasurer, GlobalSantaFe
Lee Hilbert
VP & Corporate Controller, ValueClick, Inc.

Session 391
Emerging Threats to Compliance: Recognize the Red Flags
Tuesday, 4:30 p.m. - 5:30 p.m.
Automated Clearing House
Room: 301-302

On-going compliance issues continue to impact not only ACH operations, but the entire financial institution as well. This concurrent session reviews: the operational implications arising out of the recently released "interim policy" covering date breach notifications; the utilization of the Suspicious Activity Report (SAR) and the SAR "expectations" imposed on ACH operations; and highlights the operational implications arising from the regulations covering the written program to detect, prevent, and mitigate identity theft. Attendees will gain a better understanding of the subject matter, the various ramifications from such, and what to do to achieve compliance.

Speaker:
Mark W. Dever AAP
Senior Consultant, Professional Bank Services, Inc.

Session 392
Auditing Your RDC Process: A Case Study
Tuesday, 4:30 p.m. - 5:30 p.m.
Check Electronification
Room: 304-305

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.

Speakers:
Arleatha Kelly
Senior Technology Specialist, FDIC
Terri Pelle Sands AAP
Managing Director, Payments Information Circle
John A. Tyson
SVP & COO, Darby Bank & Trust Co.

Session 393
International Card Solutions: Is a Global Program Really Achievable?
Tuesday, 4:30 p.m. - 5:30 p.m.
Card Solutions
Room: 306-307

Historically, card solutions have tended to be country specific which presents a challenge to the multi-national corporation. What can you do today that you could not do two years ago? Presenters in this session illustrate how using a network solution to manage the patchwork quilt of country-by-country issues can help you overcome the obstacles to a global card program.

Speakers:
Cheri Stevenson
SVP, Integrated Debt & Treasury Management, Bank of America
Mike McManus
Product Leader, Multinational Program, MasterCard Worldwide
Scott Newell
Director, Business Development, Concur Technologies

Session 394
Gen Y - Creating Payments Tools for the Next Generation
Tuesday, 4:30 p.m. - 5:30 p.m.
The Payments Biz
Room: 318

Generation Y, estimated at between 60 and 76 million individuals born from the late 1970s through the early 1990s, represents one of the single largest groups of consumers in US history. A vast emerging market with distinctive characteristics, this is a segment that financial service providers must address in new ways with innovative products and services. The growth in alternative payment vehicles such as PayPal, Google Checkout, or RevolutionCard and the emergence of new payments products and financial services marketing through social networking sites such as MySpace and Facebook represent the forefront of payments innovation and create a roadmap for addressing this segment. This dynamic session explores the market characteristics and needs of Gen Y and illustrates how creative payments products and marketing approaches can be used to build committed customers in the Gen Y segment.

Speakers:
David Cautin
Senior VP & General Manager, Online Busi, Revolution Money, Inc.
Paul Grill
Partner, First Annapolis Consulting
Elizabeth Robertson CCM
Senior Manager, First Annapolis Consulting, Inc.

Session 395
Converting 40-70% of Your Checks to Electronic Payments within Three Months
Tuesday, 4:30 p.m. - 5:30 p.m.
Corporate Payments Solutions
Room: 319

What are the obstacles that are limiting the growth of B2B payments? What are the keys to converting vendors to electronic payments? How can you go deeper into the supply chain to push less paper in the payments process? Hear how one organization has made card and ACH payments and the electronic delivery of remittance data attractive to businesses of all sizes. In this session, speakers examine trends in client payment needs, discuss some of the possible solutions, and review a case study of how one corporation has implemented a solutions-based approach to increasing their use of electronic payments.

Speakers:
Elizabeth K. Ashey
Senior Vice President, Bank of America
William A. Cunningham
VP, Controller, LIN Television Corporation

Session 396
Next Generation Banking: A Good Call for Mobile Technology
Tuesday, 4:30 p.m. - 5:30 p.m.
The Payments Biz
Room: 320

In an increasingly mobilized world, cell phones have become an essential item whenever leaving home. As consumers clamor for faster, more convenient and cheaper channels for making purchases and conducting banking, the potential for the mobile payments industry appears virtually limitless. This presentation will examine leading edge technologies that allow businesses and consumers to receive account information from financial institutions through a mobile device. Presenters will explore each perspective - the technology provider, the mobile operator and the financial institution - to better understand the impact and revenue opportunities for mobile financial services. They will also address how will mobile financial services be delivered to consumers and businesses now and in the future and the keys to adoption of mobile financial services.

Speakers:
Kelly Buday
Director, Marketing, Firethorn, a Qualcomm Company
Michael Lindsey
SVP, Manager Alternative Delivery Svcs., BancorpSouth
Rob Rankin
Vice President, Fifth Third Bank

Session 416
Tuesday Evening Reception
Tuesday, 5:30 p.m. - 7:00 p.m.

Room: Grand Ballroom/Exhibit Hall