Steering the Electronic Payments Association

NACHA's Leadership

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NACHA is led by payments industry experts, all of whom make it their mission to uphold a safe, effective ACH Network.

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NACHA President & CEO

NACHA’s President and CEO Janet O. Estep provides executive guidance for the organization, striving to lead the organization with integrity and vision. Estep guides NACHA’s daily operations and rulemaking processes, and encourages the development, promotion and use of electronic payment solutions such as Direct Deposit via ACH and Direct Payment via ACH. Her responsibilities include ensuring that the ACH Network remains a safe, high-quality payments system through enforcement of the fair and equitable NACHA Operating Rules, which govern the Network and guide risk management and create certainty for all participants. Estep also leads NACHA in industry collaboration, education and dialogue to facilitate the balance between innovation and risk management, thereby strengthening the Network and helping the industry create valuable payment solutions. 

Prior to joining NACHA in 2008, Estep served as executive vice president of U.S. Bank’s Transaction Services division, and was accountable for the general management of the division, which included Elan ATM & Debit Services, ATM Banking Product and Operational Support, ATM & Kiosk Services, and EFT Network support. She joined U.S. Bank in 1997 with responsibility for its Merchant Payment Services division, previously holding a variety of management positions in technology-intensive companies. Before joining U.S. Bank, Estep was general manager of the Twin Cities laboratory and vice president of sales and marketing for Pace Analytical Services. She also spent 15 years at IBM in a range of field and corporate positions.

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NACHA Board of Directors

The officers and voting members on the Board of Directors represent a diverse set of depository financial institution voices and oversee the governance and administration of NACHA as ACH Network administrator and industry trade association. The Board strives to be an advocate for the industry, providing guidance and addressing matters of strategic significance to the ACH Network and national association throughout members’ three-year terms.
The Board of Directors:

  • ​Laura Lee Orcutt, AAP, Senior Vice President, Head of Product, Wells Fargo (Chairperson)
  • James M. Morrell, President & Chief Executive Officer, Peninsula Community Federal Credit Union (Vice-Chairperson)
  • Craig T. Vaream, Managing Director, Product Executive for North America Payables & Receivables, J.P. Morgan (Secretary/Treasurer)
  • Janet O. Estep, President & Chief Executive Officer, NACHA – The Electronic Payments Association
  • Michael Bellacosa, Managing Director, Head of Global Payments, BNY Mellon
  • Richard W. Burke, Jr., CCM, Head, Corporate Products & Services, TD Bank, N.A.
  • Paul E. Byrne, Head of Deposits Portfolio Management, PNC Bank
  • Kevin J. Christensen, CISA, CRISC, CTGA, Senior Vice President, Market Intelligence & Data Analytics, SHAZAM, Inc.
  • Michael Fossaceca, CCM, NASD, Managing Director, North America Region Head for Treasury & Trade Solutions, Citibank, N.A.
  • Robert Garinger, President & Chief Executive Officer, American Express Centurion Bank
  • David Kretz, Managing Director, Head of Global Payments, Bank of America Merrill Lynch
  • Fred Laing, II, AAP, CCM, NCP, President, Upper Midwest ACH Association
  • John E. Lucas, CCM, Senior Vice President, Product Management; Director, Treasury Management, Huntington National Bank
  • Rhonda L. Pavlicek, CPA, MBA, CCUE, Senior Vice President & Chief Financial Officer, Texas Dow Employees Credit Union (TDECU)
  • William J. Schoch, President & Chief Executive Officer, WesPay
  • Amy L. Smith, AAP, CAE, Vice President, Executive Director, The Clearing House Payments Authority
  • Laura Steele, AAP, President & Chief Executive Officer, ePayResources
  • Larry Taft, AAP, CTP, Executive Vice President, Director of Retail Banking & Operations, Citizens Bank & Trust
  • Tynika Wilson, Senior Vice President, Debit Cards & Funds Services, Navy Federal Credit Union
  • Uma Wilson, AAP, CTP, Executive Vice President, Director of Product Management, UMB Bank, N.A.​ 

The ACH Operator Advisor Representatives to the Board:

  • Brian D. Egan, Senior Vice President, Retail Payments Office, Operations & Customer Support, Federal Reserve Bank of Atlanta
  • Alex C. Romeo, Vice President, EPN Product Manager, The Clearing House
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NACHA Board Advisory Group

NACHA has continually engaged business end users, processors, solution providers and others through membership programs, industry outreach, and various groups and channels within NACHA rulemaking on the development of the ACH Network and the NACHA Operating Rules. As a natural progression of this engagement, NACHA formed the Board Advisory Group as a formal venue for senior executives from a balanced cross-section of non-financial institution entities including fintechs, processors and end users of the ACH Network to communicate directly with the NACHA Board of Directors on ACH payment priorities, needs and capabilities from the perspective of end-user clients and technology firms that enable ACH payments.

The Board Advisory Group is yet another way in which NACHA reaches out and listens to various stakeholders across the payments ecosystem, underscoring its commitment to the direct and inclusive engagement of the payments end-user and solution provider communities.
Appointees to the Board Advisory Group are:

  • Mary Ann Francis, Executive Business Advisor, Global Treasury, Payments & Blockchain Solutions, Wipro Ltd.
  • Sima Ghandi, LD, LLM, Head of Business Development & Strategy, Plaid 
  • Colleen P. Lindow, CCM, Vice President, Payments, Risk & Compliance,
  • Cindy C. Newton, CPA, System Director, Banking Operations, Baylor Scott & White Health 
  • Bill Phillips, Group President, Enterprise Payment Solutions, ProfitStars – A Jack Henry Company
  • Joe Proto, Chief Executive Officer & Chairman, Transactis
  • Kim Sipes, CTP, Director, Treasury, Duke Energy
  • Thomas Spataro, CTP, FLMI, U.S. Treasurer, Computershare
  • Julie A. Walker, Senior Treasury Analyst & Card & Payments Specialist, Recreational Equipment Inc. (REI)

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