TPI 2018 Course Descriptions

Sunday, July 22

Introduction to the U.S. Payments Ecosystem
Lecture Halls
12:15 PM-1:30 PM

This opening lecture introduces students to the U.S. payments system and explains how payments work within and across channels through various participants. Topics covered include ACH, wire, check, card, cash and treasury management. Networks, nuances, rules, as well as participants’ roles and responsibilities are also discussed. Students learn how payments move, what regulatory bodies affect each payment type, and how payments clear and settle. This level-setting course gives students a firm foundation about the payments ecosystem.

Faculty: Richard R. Oliver, Independent Consultant


Essentials of the ACH Network Part I
AAP Prep School of Study, General Payments School of Study
1:45 PM-3:45 PM

This course examines the requirements of the annual ACH audit, including both the operational and risk assessment guidelines. It also provides students with necessary information and insights to effectively perform both the ACH and risk assessment audits and to monitor compliance with the NACHA Operating Rules and other regulations. Gain an understanding of the functions that need to be audited, explore where noncompliance may represent increased risk, and assess potential liabilities.

Faculty: Brenda L. Eckert, AAP, Vice President, ACH Delivery Manager, Wells Fargo


Master's Program Introduction
Master's Program

1:45 PM-2:00 PM

This brief introduction to the Master's Program allows students and faculty an opportunity to define objectives for the program and learn about fellow participants.

Faculty: Richard R. Oliver, Independent Consultant


Risk from the Originator's Perspective
Payments Risk & Compliance School of Study
1:45 PM-3:45 PM

It is imperative that all participants in the ACH payment cycle understand the risks inherent to their role. To clearly assess risk, Originators must understand their relationship with their ODFI and their clients, the Receivers. They must also consider any third-party relationships, the importance of controlling technology and underwriting, and the current fraud environment. Students learn how to assess risk, how to communicate with the ODFI, and why open lines of communications between parties are crucial to mitigate risk.

Faculty: Ruth A. Harpool, AAP, CTP, Managing Director, Treasury Operations, Indiana University


NEW! Strategies for Marketing & Implementing Products: Shark Tank Edition
General Payments School of Study
1:45 PM-3:45 PM

Making the decision to offer a new product or service is merely the first step on a long road. Determining the features and benefits of the product is essential, but selling the product is the key to its success. Students learn to examine the steps for product and service implementation while examining key attributes of marketing strategy and how to take advantage of tools available to assist in delivering this product to the organization. This interactive course provides examples of products ready for implementation, and students will have the opportunity to work together to build a rollout plan and propose it to see if the product would be sold to a shark!

Faculty: Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank


Planning for the Future of Payments
Master's Program
2:00 PM-3:30 PM

Never before has effective strategic planning been more important in the payments world. Yet, the ability to do it effectively is interrupted by the rapid, and frequently unpredictable, changes in the environment. This course proposes a contemporary strategic planning model that maximizes the opportunity for long-term success.

Faculty: Richard R. Oliver, Independent Consultant


New! The Impact of Fintech on the Traditional Payments Participant
Master's Program
3:30 PM-5:30 PM

You may not have yet encountered the effects of a major fintech innovation in your everyday life at your financial institution -– or have you?  Fintechs are constantly at work trying to disrupt how FIs function and do business. It is important to know what is going on in the fintech space and understand exactly how you and your organization as a whole will be impacted now and in the future.

Faculty: Peter Tapling, Chief Revenue Officer, Early Warning


Essentials of the ACH Network Part II
AAP Prep School of Study, General Payments School of Study
4:00 PM-5:30 PM

Students gain a deeper understanding of complex concepts and nuances in the NACHA Operating Rules that relate to payment origination and receipt, risk management, rules, compliance, enforcement and exception processing. Faculty explores operational, legal and business aspects of the Rules, and offers insights into best practices, paying special attention to warranties, liabilities and responsibilities surrounding ACH participation. Students also learn to draw distinctions between commercial and consumer considerations, explore ODFI and RDFI perspectives, and discuss the use of third parties.

Faculty: Michele Barlow, AAP, NCP, Vice President, WACHA - The Premier Payments Resource


Introduction to Wire Transfers
General Payments School of Study
4:00 PM-5:30 PM

This course introduces students to the primary wire transfer systems in the U.S. -- the Federal Reserve Bank’s Fedwire Funds Transfer System and the Clearing House Interbank Payment System (CHIPS). Topics discussed include the role wire systems play in high-value, urgent payments, and how these systems interplay with other Real-Time Gross Settlement (RTGS) systems and the SWIFT international financial messaging network. Students gain an understanding of the key attributes, capabilities, uses and developments in wire transfers.

Faculty: Stephen Wojciechowicz, AAP,CTP, Director, Deutsche Bank Trust Company Americas


NEW! The Impact of Disruption on Business Practices
Payment Innovations & Technologies Specialization
4:00 PM-5:30 PM

EMV, Bluetooth, QR codes, Venmo, WeChat, Apple Pay, blockchain – it seems like a new innovation is introduced every day. How do you know what the next big thing will be, and how should your organization prepare for what's coming while integrating new existing offerings? In this course, learn how payments is no longer business as usual and why the industry must consider how to do business differently.

Faculty: Brad Smith, AAP, Digital and Emerging Payments, Capital One


Monday, July 23

NEW! Industry Update: Facts About Faster Payments
Lecture Halls
8:30 AM-9:45 AM

What really goes into defining and understanding faster payments? By now, you should be familiar with Same Day ACH and real-time payments, but there is a lot innovation happening in the U.S. and abroad that FIs need to know. The payments industry is about more than just moving funds, but also how to understand and communicate what “faster” is in terms of value to the customer. Faculty in this course break down the faster payments landscape, providing an easy to follow look at various initiatives under development in the U.S.

Faculty: Joseph Casali, AAP, NCP, Senior Vice President, NEACH
               Tristan Thompson, VP, Payments Group Manager, Bank Product & Services, UMB Bank, N.A.


Audit & Risk Assessments 101
Payments Risk & Compliance School of Study, AAP Prep School of Study
10:00 AM-11:00 AM

This course examines the requirements of the annual ACH audit, including both the operational and risk assessment guidelines. It also provides students with necessary information and insights to effectively perform both the ACH and risk assessment audits and to monitor compliance with the NACHA Operating Rules and other regulations. Gain an understanding of the functions that need to be audited, explore where noncompliance may represent increased risk, and assess potential liabilities.

Faculty: Mary M. Gilmeister, AAP, NCP, President, WACHA - The Premier Payments Resource


NEW! Faster Payments Strategies - Classroom B
Master's Program
10:00 AM-11:00 AM

The faster payments movement in the U.S. shows no signs of stopping. All payments participants will be impacted in some manner by a new product, payment system, or process. But how do individual organizations make a decision on what to offer and when to implement change? Building a strategy for faster payments goes beyond understanding the “hows” and the “whys.” It must also include the “why nots” and the “what ifs.” Faculty in this course explore faster payments offerings available in the marketplace while examining questions to consider when building a faster payments strategy.

Faculty: Jeremy D. Pritchard, AAP, CTP, SVP, Senior Treasury Professional, State Bank & Trust Company
               Tristan Thompson, VP, Payments Group Manager, Bank Product & Services, UMB Bank, N.A.


Payments Revolution Part I: Technology
Payment Innovations & Technologies Specialization
10:00 AM-11:00 AM

The continuously evolving capabilities of smartphones, and the development of touchless devices such as VISA’s payment ring and Amazon Alexa, have demonstrated their consumer appeal, evidenced by upticks in the purchasing of these products. The person-to-person (P2P) space is also giving rise to greater consumer purchasing power with companies like Facebook, PayPal, Venmo, Google and Square, and now with the FI-supported Zelle upping the payments ante. This introductory course explores the interconnectivity of the technology surrounding the payments revolution and provides insight into how your organization can adopt some of these capabilities to your and your customers’ benefit.

Faculty: Brad Smith, AAP, Digital and Emerging Payments, Capital One


NEW! Solving the P2P Payments Puzzle
Master's Program
10:00 AM-11:00 AM

Faculty member Peter Tapling leads students on a journey to solve Peter's P2P puzzle. Students are broken in to teams and invited to create ideas for P2P payment solutions.

Faculty: Peter Tapling, Chief Revenue Officer, Early Warning


Anatomy of an Image
General Payments School of Study
10:15 AM-11:30 AM

Although the use of electronic payments is ascending, check imaging has proven its viability. This course explores different types of negotiable instruments and the products and systems that support them, such as Remote Deposit Capture (RDC), other mobile options, and corporate availability for those organizations to keep up with these advancements. Images are discussed in the context of financial institution and corporate roles, legal and rule frameworks, risk management and fraud.

Faculty: Michele Barlow, AAP, NCP, Vice President, WACHA - The Premier Payments Resource


Payment Systems Regulations
AAP Prep School of Study, Payments Risk & Compliance School of Study
10:15 AM-11:30 AM

This class introduces students to the so-called “alphabet soup” of laws and regulations that govern payments. The purpose and scope of applicable laws and regulations are explored, as well as how they are administered and enforced. The course also examines how they intersect with private-sector operating rules. Students leave this course with reference tools important for any subsequent courses.

Faculty: Richard M. Fraher, VP & Counsel to the RPO, Federal Reserve Bank of Atlanta


Grow with Corporates - Classroom B
Master's Program
11:15 AM-12:15 PM

Corporate clients are extremely important to financial institutions of all sizes. However, there can be a disconnect at times when it comes to growing your relationship with existing clients, recruiting new clients, and understanding their issues. Many corporates do not understand “ACH speak” and FIs do not always understand “Corporate speak,” but if you want to grow your corporate client base you have to learn to talk to corporates in a way they will understand. This course helps students broaden their breadth of knowledge of how corporates operate, and offers important takeaways to bring back to your institution as you forge new partnerships with corporate clients.

Faculty: Ruth A. Harpool, AAP, CTP, Managing Director, Treasury Operations, Indiana University


Innovation in Response to Disintermediation
Master's Program
11:15 AM-12:15 PM

As the payments landscape becomes more and more diverse, financial institutions must become increasingly agile to maintain a leadership role in payment processing. If they cannot meet the needs of a changing industry, non-financial institutions will step in to fill the void. New entrants into the payments space such as Dwolla, Venmo and Apple Pay continue to challenge the status quo of payments, impacting the banking industry as disintermediation occurs in the payments space. This hands-on course challenges students to solve problems in innovative ways and present their ideas to demonstrate how innovation is necessary to remain competitive in the payments landscape.

Faculty: Jeremy D. Pritchard, AAP, CTP, SVP, Senior Treasury Professional, State Bank & Trust Company
               Brad Smith, AAP, Digital and Emerging Payments, Capital One


Payments Revolution Part II: Payment Experience
Payment Innovations & Technologies Specialization
11:15 AM-12:15 PM

Building upon the technolgies discussed in Part I, this course provides a deep look into the changing face of commerce, and how it directly correlates to evolving technology. With apps like Uber automatically processing your fare with the card on file, and Starbucks allowing you to place an order and pay before getting to the coffee shop, merchants are completely changing the consumer payment experience, especially for those offering reward programs. In a world where faster has become a way of life, these enhancements are winning consumers over in the user experience arena. Attend this class to understand how e-commerce and data contextualization have evolved, as well as how better in-person payment experiences are affecting consumer and business relationships.

Faculty: Peter Tapling, Chief Revenue Officer, Early Warning


NEW! Risk for All Payment Types
APRP Prep Specialization
11:15 AM-12:15 PM

This course introduces students to foundational risk management principles in the payments industry. The instructor discusses risk management across ACH, check, wire transfer, and card payment channels, as well as disaster recovery and contingency planning. Students learn core components of enterprise risk, such as risk management life cycles, key terms, and risk mitigation business drivers.

Faculty: Jen Wasmund, AAP, CTP, NCP, Enterprise Payments Risk Manager, Capital One


Who Wants to be an AAP? - Monday
AAP Prep School of Study
12:45 PM-1:30 PM

Still hungry to be an AAP? If so, be sure to grab your lunch and join your fellow aspiring AAPs for this interactive event. AAPs from the Board of Regents focus on exam preparation tips and provide a forum for AAP candidates to ask questions about subject matter covered in the courses they attended each day. Students who have registered for or are considering sitting for the AAP exam are encouraged to attend. These daily classes vary in content so you don’t want to miss either one! Seating is limited to the first 45 students.

Faculty: Moderated by Board of Regents Members


NEW! Business Case Lab - Classroom B
Master's Program
1:30 PM-2:30 PM

The Grow with Corporates class introduced students to the concept of “corporate speak" and how to strengthen and grow your relationships – as FIs with business clients and as Originators with FI partners. This course asks students to apply that knowledge to scenarios that allow teams to work together to develop and deliver their sales pitch to potential clients and partners. Faculty work with the teams to assess pitches and offer constructive feedback on how to structure a business call.

Faculty: Ruth A. Harpool, AAP, CTP, Managing Director, Treasury Operations, Indiana University


Concepts of Treasury Management
General Payments School of Study
1:30 PM-2:30 PM

Treasury and cash management are central to corporate payments. Understanding the principles and tools of both is critical. Students delve into the reality of using treasury management services in today's environment, and learn about current trends and developments. Global treasury issues and considerations, fraud prevention, and the risks associated with some services are also addressed, as are the benefits of having a Certified Treasury Professional (CTP) on staff.

Faculty: Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank
               Tristan Thompson, VP, Payments Group Manager, Bank Product & Services, UMB Bank, N.A.


Putting Innovation to Work
Master's Program
1:30 PM-2:30 PM

In the Innovation in Response to Disintermediation class students were challenged to solve problems in innovative ways. This supporting course provides an interactive forum to present their ideas to demonstrate how innovation is necessary to remain in the payments landscape. Teams create a product or idea and work together to present their solutions. What team will emerge victorious at the conclusion of the presentations?

Faculty:  Jeremy D. Pritchard, AAP, CTP, SVP, Senior Treasury Professional, State Bank & Trust Company
                Brad Smith, AAP, Digital and Emerging Payments, Capital One


Topics in Regulation: Regulation E
AAP Prep School of Study, Payments Risk & Compliance School of Study
1:30 PM-2:30 PM

Faculty provide a look into The Electronic Funds Transfer Act and Regulation E. Students learn the purpose of the regulation, requirements related to ACH, ATMs and disclosures, as well as review the Regulation, the official Staff Commentary and the Act itself.

Faculty: Duncan Douglass, Partner, Alston & Bird LLP
               Cindy J. Thompson, AAP, CTP, Professional Services Manager, The Clearing House Payments Authority


NEW! Understanding Distributed Ledger Technology
Payment Innovations & Technologies Specialization
1:30 PM-2:30 PM

Distributed Ledger Technology (DLT) is being leveraged in the banking and payments ecosystem. In this course, students will gain insight into how DLT is created and used, how the  technology is shaping the way we think about banking and payments as well as the use cases for how DLT may be used in the future.

Faculty: Faculty to be announced



NEW! ACH Audits: The Evolution of Appendix 8 & What's Next?
AAP Prep School of Study
3:00 PM-4:00 PM

The NACHA Operating Rules have continued to evolve throughout the years. However, participants often have misperceptions about audit requirements and what Appendix 8 really means. As ACH exists as part of an increasingly complex and interconnected payments ecosystem, industry dialogue has raised the question of what else should participants do to make the most out of this audit to keep themselves compliant? Attend this class to understand how to transform your ACH audit process to look beyond Appendix Eight into a risk-based audit that properly reviews all of the Rules.

Faculty: Sandy Ortins, AAP, Vice President, Education, NEACH


Payments Risk Management Systems & Controls - Classroom B
Master's Program
3:00 PM-4:00 PM

Risk Management controls impact numerous systems and functions within any organization. Vendor management, business continuity, authentication to verify identity, and capital adequacy are some examples of policies your organization may have in place, but how should they work together to create a risk management profile? Students learn key elements of risk management systems and controls and review how their organization's overall risk strategy may be impacted.

Faculty: Michele Barlow, AAP, NCP, Vice President, WACHA - The Premier Payments Resource
               Jen Wasmund, AAP, CTP, NCP, Enterprise Payments Risk Manager, Capital One


The Payments Court: Law & Order
Master's Program
3:00 PM-4:00 PM

In the payments system, regulations are created to protect the innocent. In this course, the dedicated students who listen to these cases become the judge and jury as they preside over payments-related legal rulings. Teams are divided into plaintiffs, defendants and jurors as they strategize to break down the facts of each case. Several preeminent payments attorneys assist in this engaging, interactive course. These are their stories.

Faculty: Paul A. Carrubba, Partner, Adams & Reese, LLP
              Duncan Douglass, Partner, Alston & Bird LLP
              Jane E. Larimer, Chief Operating Officer & General Counsel, NACHA - The Electronic Payments Association


Tuesday, July 24

NEW! Industry Update: Faster Payments Models & Use Cases
Lecture Halls
8:30 AM-9:45 AM

This interactive course features a panel of experts exploring use cases for faster payments. Faster payments solutions all seek to solve the same problem – how to move payments faster and seamlessly for the user. But do all of the solutions work together? Students come away with a clear understanding of potential faster payments solutions and an idea of what might be ahead.

Faculty: Nell Campbell-Drake, AAP, Vice President, Federal Reserve Bank of Atlanta
              Jane E. Larimer, Chief Operating Officer & General Counsel, NACHA - The Electronic Payments Association
              Tim Mills, AAP, Vice President, Executive Director, The Clearing House
               Peter Tapling, Chief Revenue Officer, Early Warning


NEW! How to Present Ideas to Your Board
Master's Program
10:15 AM-11:30 AM

Now that you are a payments expert, how do you work within your organization to introduce ideas and instill change? How can you use the information gained this week to more effectively manage risks and costs, improve business processes, and derive greater benefit? What is the most effective way to engage your Board in these decisions? In this course, students gain information on how to share what you have learned with decision-makers in your company and work to apply your new knowledge to engender positive change in your organization.

Faculty:  Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank
               Robert Dael, President & CEO, MACHA - The Mid-Atlantic Payments Assoc.


Innovation in Response to Disintermediation - Classroom B
Master's Program
0:15 AM-11:30 AM

As the payments landscape becomes more and more diverse, financial institutions must become increasingly agile to maintain a leadership role in payment processing. If they cannot meet the needs of a changing industry, non-financial institutions will step in to fill the void. New entrants into the payments space such as Dwolla, Venmo and Apple Pay continue to challenge the status quo of payments, impacting the banking industry as disintermediation occurs in the payments space. This hands-on course challenges students to solve problems in innovative ways and present their ideas to demonstrate how innovation is necessary to remain competitive in the payments landscape.

Faculty: Jeremy D. Pritchard, AAP, CTP, SVP, Senior Treasury Professional, State Bank & Trust Company
              Brad Smith, AAP, Digital and Emerging Payments, Capital One


Understanding the Internet of Things
Payment Innovations & Technologies Specialization
10:15 AM-11:30 AM

Analysts predict the number of connected devices by 2020 will be in the 20 to 50 billion range. It is a staggering number and one needs to take notice. In a world driven by innovation and the need for speedy, constant connectivity, consumers and companies are shaping the future of all types of goods. How will the security of the device and data be managed? This introductory class dives into the differences between the “internet of things” and the “internet of payments things,” how they came about, the types of issues that could arise, how financial institutions can harness this movement, and much more.

Faculty: Hector E. Sandoval, CTP, VP, Product Line Leader, Early Warning


NEW! Board Presentations Lab
Master's Program
11:30 AM-12:30 PM

This interactive course breaks students into small groups to develop and deliver a mock Board presentation, providing hands-on experience to take back to your organization.

Faculty: Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank
              Robert Dael, President & CEO, MACHA - The Mid-Atlantic Payments Association            


NEW! Mobile & Digital Banking & Payments
Payment Innovations & Technologies Specialization
11:30 AM-12:30 PM

Mobile and digital payments offer financial institutions, businesses and solution innovators tremendous opportunity to engage, enable and transact with customers in new ways. As new technologies, risks and players are infused into the mix, business models are evolving and customer expectations and behaviors are changing. Related business decisions are becoming even more consequential. Students in this course delve into the burgeoning mobile and digital payments ecosystem while examining concepts such as tokenization and new entrants into the mobile payments marketplace. They emerge with a solid understanding of the players, approaches and opportunities in the mobile and digital banking world.

Faculty: Peter Tapling, Chief Revenue Officer, Early Warning


Putting Innovation to Work - Classroom B
Master's Program
11:30 AM-12:30 PM

In the Innovation in Response to Disintermediation class students were challenged to solve problems in innovative ways. This supporting course provides an interactive forum to present their ideas to demonstrate how innovation is necessary to remain in the payments landscape. Teams create a product or idea and work together to present their solutions. What team will emerge victorious at the conclusion of the presentations?

Faculty: Jeremy D. Pritchard, AAP, CTP, SVP, Senior Treasury Professional, State Bank & Trust Company
              Brad Smith, AAP, Digital and Emerging Payments, Capital One


The Ins and Outs of Exception Processing
AAP Prep School of Study, Payments Risk & Compliance School of Study
11:30 AM-12:30 PM

This course helps students understand and address key exception situations for ACH, checks, wire and card transactions faced by financial institutions and their customers. Students discover what constitutes an exception and explore possible causes of and resolutions to common issues.

Faculty: Michele Barlow, AAP, NCP, Vice President, WACHA - The Premier Payments Resource


NEW! Topics in Regulation: Regulations J & CC Update
APRP Prep Specialization, Payments Risk & Compliance School of Study
11:30 AM-12:30 PM

Amendments to Reg CC to facilitate the ongoing transition from paper to electronic check collection and return became effective July 1, 2018. Meanwhile, Reg J and Federal Reserve Bank Operating Circular No. 3 will be amended to conform to the Reg CC amendment. This course provides students with an overview of the changes, the role of ECCHO, as well as the practical impact on depository institutions, payment processors, and vendors.

Faculty: Richard M. Fraher, VP & Counsel to the RPO, Federal Reserve Bank of Atlanta


Who Wants to be an AAP? - Tuesday
AAP Prep School of Study
1:00 PM-1:45 PM

Still hungry to be an AAP? If so, be sure to grab your lunch and join your fellow aspiring AAPs for this interactive event. AAPs from the Board of Regents focus on exam preparation tips and provide a forum for AAP candidates to ask questions about subject matter covered in the courses they attended each day. Students who have registered for or are considering sitting for the AAP exam are encouraged to attend. These daily classes vary in content so you don’t want to miss either one! Seating is limited to the first 45 students.

Faculty: Moderated by Board of Regents Members


Putting FFIEC Guidance into Practice
Payments Risk & Compliance School of Study, APRP Prep Specialization
1:45 PM-2:45 PM

In addition to ensuring compliance with the various FFIEC guidance, including the most recent Cybersecurity Assessment, financial institutions are required to conduct IT/IS audits, ACH risk assessments, GLBA audits, in addition to other obligations. Instructors in this course will help students understand the purpose and scope of the guidance and required assessments, and help you determine if there are efficiencies to be gained rather than repeat testing.

Faculty: Tony DaSilva, AAP, Senior Technical Expert, Federal Reserve Bank of Atlanta
              Cindy J. Thompson, AAP, CTP, Professional Services Manager, The Clearing House Payments Authority


The Payments Court: Law & Order - Classroom B
Master's Program
1:45 PM-2:45 PM

In the payments system, regulations are created to protect the innocent. In this course, the dedicated students who listen to these cases become the judge and jury as they preside over payments-related legal rulings. Teams are divided into plaintiffs, defendants and jurors as they strategize to break down the facts of each case. Several preeminent payments attorneys assist in this engaging, interactive course. These are their stories.

Faculty: Paul A. Carrubba, Partner, Adams & Reese, LLP
              Duncan Douglass, Partner, Alston & Bird LLP
              Jane E. Larimer, Chief Operating Officer & General Counsel, NACHA - The Electronic Payments Association


Understanding Payments Settlement
Master's Program
1:45 PM-2:45 PM

This course examines the systems that provide arrangements for transferring value between system’s members and their end-user customers. Each payments system requires a network with which to clear the payments and a settlement agent to provide final settlement of the claims and liabilities between their members. Students will come away with an understanding of the design of U.S. payments clearing and settlement infrastructures along with the responsibilities of the system participants. Students gain knowledge that can be applied toward efficient payments policy and strategy development.

Faculty: Jessica J. Washington, AAP, Payments Risk Expert, Federal Reserve Bank of Atlanta


Compliance Lines of Defense
Payments Risk & Compliance School of Study, APRP Prep Specialization
3:00 PM-4:00 PM

Internal monitoring and compliance testing represent two lines of defense for financial institutions and Originators. Students in this course learn how to effectively manage these lines and comply with ever-changing compliance requirements while gaining a deeper understanding of what exactly it is compliance departments are responsible for handling.

Faculty: Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank


NEW! Faster Payments Strategies
Master's Program
3:00 PM-4:00 PM

The faster payments movement in the U.S. shows no signs of stopping. All payments participants will be impacted in some manner by a new product, payment system, or process. But how do individual organizations make a decision on what to offer and when to implement change? Building a strategy for faster payments goes beyond understanding the “hows” and the “whys.” It must also include the “why nots” and the “what ifs.” Faculty in this course explore faster payments offerings available in the marketplace while examining questions to consider when building a faster payments strategy.

Faculty: Jeremy D. Pritchard, AAP, CTP, SVP, Senior Treasury Professional, State Bank & Trust Company
              Tristan Thompson, VP, Payments Group Manager, Bank Product & Services, UMB Bank, N.A.


NEW! Same Day ACH: What's Next?
General Payments School of Study
3:00 PM-4:00 PM

With the initial rollout of Same Day ACH completed, it is time to start looking towards the future. In this session, speakers address four potential enhancements to Same Day ACH based on feedback received during the initial phases, including better scheduling for financial institutions on the West Coast, a need to process large-dollar ACH transactions, funds availability, as well as additional features for use cases such as payroll, bill payments and B2B. Attendees leave this session with a better understanding of potential NACHA rule changes, key strategies for leveraging same-day transactions, and operational changes that may be necessary to support potential Same Day ACH enhancements.

Faculty: Sandy Ortins, AAP, Vice President, Education, NEACH
              Jen Wasmund, AAP, CTP, NCP, Enterprise Payments Risk Manager, Capital One


Topics in Regulation: UCC 4A
AAP Prep School of Study, Payments Risk & Compliance School of Study
3:00 PM-4:00 PM

Article 4A of the Uniform Commercial Code requires compliance from financial institutions and corporations, and their business models could be challenged by noncompliance with the obligations defined under the Code. Students gain an overview of the Article, an understanding of how the UCC relates to the NACHA Operating Rules, and the significance to financial institutions and their corporate clients.

Faculty: Paul A. Carrubba, Partner, Adams & Reese, LLP


Understanding Payments Settlement - Classroom B
Master's Program
3:00 PM-4:00 PM

This course examines the systems that provide arrangements for transferring value between system’s members and their end-user customers. Each payments system requires a network with which to clear the payments and a settlement agent to provide final settlement of the claims and liabilities between their members. Students will come away with an understanding of the design of U.S. payments clearing and settlement infrastructures along with the responsibilities of the system participants. Students gain knowledge that can be applied toward efficient payments policy and strategy development.

Faculty: Jessica J. Washington, AAP, Payments Risk Expert, Federal Reserve Bank of Atlanta


NEW! Understanding Third Party Relationships
Payments Risk & Compliance School of Study, APRP Prep Specialization
3:00 PM-4:00 PM

What are third parties? Updates to the NACHA Operating Rules revised the definition and clarified the roles of Third-Party Senders. However, uncertainty may still exist around payment intermediaries and their various roles in the ACH Network. Faculty take students on a deep dive into what classifies a Third-Party Sender as such, including guiding them through different payment scenarios outlining who third parties are, what role they play, the risks that need to be considered, and when the definition applies to these ACH participants.

Faculty: Cindy J. Thompson, AAP, CTP, Professional Services Manager, The Clearing House Payments Authority


Wednesday, July 25

NEW! Industry Update: NACHA's Roadmap to the Future
Lecture Halls
8:30 AM-9:45 AM

In this course, NACHA Chief Operating Officer Jane Larimer provides a review of the ACH Roadmap, which serves as the new strategic plan for the ACH Network. Students learn how input from all payments stakeholders captured through NACHA’s inclusive and comprehensive strategic planning process shaped the Roadmap, which establishes areas of focus for activities to move the Network forward.

Faculty: Jane E. Larimer, Chief Operating Officer & General Counsel, NACHA - The Electronic Payments Association


NEW! Federal Reserve Payments Improvement Update
General Payments School of Study
10:15 AM-11:30 AM

In 2015, the Federal Reserve Faster Payments Task Force embarked on a mission to bring the industry together to build a faster payments strategy. Its work has resulted in a final report, published in late 2017, that lays out a plan and vision for the future. This course takes students on the journey to examine the road ahead for the payments industry through the lens of the task force.

Faculty: Nell Campbell-Drake, AAP, Vice President, Federal Reserve Bank of Atlanta
              Tristan Thompson, VP, Payments Group Manager, Bank Product & Services, UMB Bank, N.A.


Payments Risk Management Systems & Controls
Master's Program
10:15 AM-11:30 AM

Risk Management controls impact numerous systems and functions within any organization. Vendor management, business continuity, authentication to verify identity, and capital adequacy are some examples of policies your organization may have in place, but how should they work together to create a risk management profile? Students learn key elements of risk management systems and controls and review how their organization's overall risk strategy may be impacted.

Faculty: Michele Barlow, AAP, NCP, Vice President, WACHA - The Premier Payments Resource
              Jen Wasmund, AAP, CTP, NCP, Enterprise Payments Risk Manager, Capital One


NEW! Solving the P2P Payments Puzzle - Classroom B
Master's Program
10:15 AM-11:30 AM

Faculty member Peter Tapling leads students on a journey to solve Peter's P2P puzzle. Students are broken in to teams and invited to create ideas for P2P payment solutions.

Faculty: Peter Tapling, Chief Revenue Officer, Early Warning


Survey of Card Products & Clearing
General Payments School of Study
10:15 AM-11:30 AM

A thorough examination of card networks helps students gain a comprehensive understanding of card-based payments and build a foundation for subsequent card-based concepts. Basic definitions and terms are discussed, as are card-based payment statistics and their impact on the payments industry, examining how business models are changing with regards to emerging risks and fraud, technology, and regulatory forces. Faculty discusses how these impact business lines, relationships, decision making and behavior.

Faculty: Jennifer Stadler, CPP, Senior Director, Education and Communication, PaymentsFirst, Inc.


Topics in Regulation: The Green Book
AAP Prep School of Study, Payments Risk & Compliance School of Study
10:15 AM-11:30 AM

Government payment rules differ from the NACHA Operating Rules in ways that could affect a financial institution’s liability. This course helps students learn how to limit their institution’s liability by providing broad insight into such differences. Topics include the  federal government’s mandate of Direct Deposit via ACH for all benefit payments; how federal rules differ from the NACHA Operating Rules; how to enroll an account holder to receive government payments; and how to handle government reclamations and reports of non-receipt items. The instructors also review the handling of government returns, DNEs and NOCs, and possible liability for government payments posted in error.

Faculty: Joseph Casali, AAP, NCP, Senior Vice President, NEACH


NEW! Preparing for the APRP Exam: Blueprint Review
APRP Prep Specialization
12:30 PM-1:30 PM

NACHA and the RPAs have worked together to introduce the Accredited Payments Risk Professional Program (APRP). The first exam was held earlier this year and preparations are now underway for the next testing window in July 2019. In this course, members of the APRP Oversight panel provide insight into specific topics addressed in the exam and how you can begin to prepare now. Students come away with an understanding of the benefits of becoming an APRP, continuing education requirements, and where to acquire training and education for the exam.

Faculty: Michele Barlow, AAP, NCP, Vice President, WACHA - The Premier Payments Resource
               Stephanie Prebish, AAP, CTP, Senior Director, Payments Innovation Alliance, Education & Accreditation, NACHA - The Electronic Payments Association
               Jen Wasmund, AAP, CTP, NCP, Enterprise Payments Risk Manager, Capital One


Business Continuity Planning: Are You Prepared?
Payments Risk & Compliance School of Study, APRP Prep Specialization
12:30 PM-1:30 PM

Responses to 9/11 and disasters like Hurricane Sandy changed the payments landscape in the way financial institutions, corporations and government entities react to crises. What processes and contingencies have been implemented in the years since these events? Given the recent hurricane devastation in Texas, Florida, Puerto Rico and the U.S. Virgin Islands, learn what you should and must do to ensure that you are not the weakest link. With your organization’s reputation and business vitality at risk, having a plan in place is critical to your organization properly reacting to natural disasters and other emergencies.

Faculty: Nell Campbell-Drake, AAP, Vice President, Federal Reserve Bank of Atlanta


NEW! Do you Really Understand the NACHA Operating Rules?
General Payments School of Study
12:30 PM-1:30 PM

Do you follow the NACHA Operating Rules to the letter of the rule all the time? Does your organization have processes in place that, when compared to the Rules, might make sense for your organization but could be considered a rules violation? This interactive course looks at some processes that walk a fine line between compliant and noncompliant. Using examples submitted anonymously from other students and from real-life audit findings students come away with an understanding of why the Rules are written as they are and how the application of the Rules may vary.

Faculty: Joseph Casali, AAP, NCP, Senior Vice President, NEACH


Grow with Corporates
Master's Program
12:30 PM-1:30 PM

Corporate clients are extremely important to financial institutions of all sizes. However, there can be a disconnect at times when it comes to growing your relationship with existing clients, recruiting new clients, and understanding their issues. Many corporates do not understand “ACH speak” and FIs do not always understand “Corporate speak,” but if you want to grow your corporate client base you have to learn to talk to corporates in a way they will understand. This course helps students broaden their breadth of knowledge of how corporates operate, and offers important takeaways to bring back to your institution as you forge new partnerships with corporate clients.

Faculty: Ruth A. Harpool, AAP, CTP, Managing Director, Treasury Operations, Indiana University


NEW! How to Present Ideas to Your Board
Master's Program
12:30 PM-1:30 PM

Now that you are a payments expert, how do you work within your organization to introduce ideas and instill change? How can you use the information gained this week to more effectively manage risks and costs, improve business processes, and derive greater benefit? What is the most effective way to engage your Board in these decisions? In this course, students gain information on how to share what you have learned with decision-makers in your company and work to apply your new knowledge to engender positive change in your organization.

Faculty:  Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank
               Robert Dael, President & CEO, MACHA - The Mid-Atlantic Payments Association​


Who Wants to be an AAP? - Wednesday
AAP Prep School of Study
12:45 PM-1:15 PM

Still hungry to be an AAP? If so, be sure to grab your lunch and join your fellow aspiring AAPs for this interactive event. AAPs from the Board of Regents focus on exam preparation tips and provide a forum for AAP candidates to ask questions about subject matter covered in the courses they attended each day. Students who have registered for or are considering sitting for the AAP exam are encouraged to attend. These daily classes vary in content so you don’t want to miss either one! Seating is limited to the first 45 students.

Faculty: Moderated by Board of Regents Members


ACH File Formats
AAP Prep School of Study, General Payments School of Study
1:45 PM-2:45 PM

ACH Origination begins with a properly formatted file. This course focuses on the intricacies of ACH Record Formats. Faculty takes students on a comprehensive and detailed tour of the 94 characters that comprise an ACH entry. Students also review Addenda Records and proper formatting, and examine field purposes, specific field values, and commonly experienced problems. The instructor provides tips for optimizing ACH Network participation with a command of the bits and bytes of ACH.

Faculty: Michele Barlow, AAP, NCP, Vice President, WACHA - The Premier Payments Resource


NEW! Board Presentations Lab - Classroom B
Master's Program
1:45 PM-2:45 PM

This interactive course breaks students into small groups to develop and deliver a mock Board presentation, providing hands-on experience to take back to your organization.

Faculty: Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank
              Robert Dael, President & CEO, MACHA - The Mid-Atlantic Payments Association             


NEW! Business Case Lab
Master's Program
1:45 PM-2:45 PM

The Grow with Corporates class introduced students to the concept of "corporate speak" and how to strengthen and grow your relationships – as FIs with business clients and as Originators with FI partners. This course asks students to apply that knowledge to scenarios that allow teams to work together to develop and deliver their sales pitch to potential clients and partners. Faculty work with the teams to assess pitches and offer constructive feedback on how to structure a business call.

Faculty: Ruth A. Harpool, AAP, CTP, Managing Director, Treasury Operations, Indiana University


Enterprise Risk Management
Payments Risk & Compliance School of Study, APRP Prep Specialization
1:45 PM-2:45 PM

The ability to understand, control and articulate risk levels in pursuit of business strategies and accountability for risks taken resonates with stakeholders when it comes to expressing confidence in an organization. This introductory level course exposes students to the basics of enterprise risk management (ERM) from a financial institution perspective. ERM topics covered include identifying, reporting and controlling risks, and the progress being made in the financial world when it comes to ERM.

Faculty: Elizabeth A. Cronenweth, AAP, CTP, SVP, ACH Segment Manager, Huntington National Bank


NEW! The Future of ISO 20022
General Payments School of Study
1:45 PM-2:45 PM

To better enable transactional banking across all geographies, high-value, low-value and real-time payments systems from around the world are adopting ISO 20022. And just as many large, multinational corporations are seeking to do the same. In the U.S., Fedwire is planning to move to ISO 20022. NACHA has addressed various aspects of the standard in relation to ACH payments – notably remittance information and corporate payment operations using ISO 20022 – and The Clearing House’s real-time payments system went live with ISO 20022 as its messaging standards. In a world more connected than ever before, what does all of this mean for your financial institution?

Faculty: Nell Campbell-Drake, AAP, Vice President, Federal Reserve Bank of Atlanta