TPI Home School Full Agenda

Monday, July 27

10:30 AM-11:20 AM

Comparative Payment Systems

AAP Prep School of Study | APRP Prep School of Study | General Payments Systems School of Study

There is no need to get lost among the different payment systems, such as the trusted platforms such as ACH and wire, along with the emerging payment mechanisms such as RTP and the upcoming FedNow. Instructors guide students through these systems in an interactive discussion that provides a greater understanding of the comparative benefits and uses of these payment methods. Students also gain a working knowledge of the governing rules, laws and regulation, and much more.

Sandy Ortins, AAP, APRP, NCP, Senior Vice President, Operations, NEACH


Risk for All Payment Types

AAP Prep School of Study | APRP Prep School of Study

This course introduces students to foundational risk management principles in the payments industry. The instructor discusses risk management across ACH, check, wire transfer, real time, 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.

Danita Tyrrell, AAP, APRP, Senior Director, ACH Network Rules Development & Technical Support, Nacha


New! The Story of Payments - Part I

Master's Program | Payments Risk Management Master's Program

The U.S. payments system is a critical piece of this nation’s infrastructure. Its reliability and resilience are fundamental to rapid recovery from natural disasters, direct attacks on the system and internal disruptions. In many respects, the payments system is the engine of commerce for our society and a critical pipeline of the economy. Few can explain the term “payments system” and even fewer appreciate its importance. In this two-part course students learn from the men who – literally - wrote the book on payments as they explore how the industrialization of trust created the modern payments system. As a reference, students enrolled in the Master’s Program receive a complimentary copy of the upcoming publication “The Story of Payments: How the Industrialization of Trust Created the Modern Payments System.”

Richard R. Oliver, Independent Consultant

George H. Warfel, Jr., General Manager, FinTech & Payments Strategy, Haddon Hill Group, Inc.


11:30 AM-12:20 PM

Essentials of the ACH Network Part I

AAP Prep School of Study | General Payments Systems School of Study

This course examines the requirements of the annual ACH audit for operational and risk assessment guidelines. This course provides students with necessary information and insights to effectively perform ACH and risk assessment audits and to monitor compliance with the Nacha Operating Rules and other regulations. Students will gain an understanding of the functions that need to be audited, where noncompliance may represent increased risk, and how to assess potential liabilities.

Gai C. Craig, AAP, CTP, Executive Vice President, Operations, Education & Member Support, PaymentsFirst, Inc.


Payments Revolution Part I: Technology

Payment Innovations & Technologies School of Study

The continuously evolving payment capabilities of smartphones, and the development of touchless devices such as Visa’s payment ring and Amazon’s Alexa, have demonstrated their consumer appeal. The P2P space is also giving rise to greater consumer purchasing power with companies like Facebook and Google, and products such as , PayPal, Venmo, Square, Zelle, RTP and FedNow 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 benefit both you and your customers.

Peter Tapling, APRP, Managing Director, PTap Advisory, LLC


New! The Story of Payments - Part II

Master's Program | Payments Risk Management Master's Program

The U.S. payments system is a critical piece of this nation’s infrastructure. Its reliability and resilience are fundamental to rapid recovery from natural disasters, direct attacks on the system and internal disruptions. In many respects, the payments system is the engine of commerce for our society and a critical pipeline of the economy. Few can explain the term “payments system” and even fewer appreciate its importance. In this two-part course students learn from the men who – literally - wrote the book on payments as they explore how the industrialization of trust created the modern payments system. As a reference, students enrolled in the Master’s Program receive a complimentary copy of the upcoming publication “The Story of Payments: How the Industrialization of Trust Created the Modern Payments System.”

Richard R. Oliver, Independent Consultant

George H. Warfel, Jr., General Manager, FinTech & Payments Strategy, Haddon Hill Group, Inc.


Risk Management Perspectives Beyond the Financial Institution

Payments Risk & Compliance School of Study

Businesses face varying levels of financial risk on a daily basis. In this course, four broad risk categories of Market Risk, Credit Risk, Liquidity Risk and Operational Risk will be explored from the perspective of payments professionals beyond the financial institutions. There will be an emphasis on Liquidity Risk and Operational Risk touching on fraud risks, financial institution relationship management, vendor risks, internal procedural risks and funding risks.

Ruth Harpool


12:20 PM–1:00 PM - Lunch Break

Noontime Knowledge

Can't stop learning? Grab your lunch and join us for these lively chats scheduled 12:35 PM-12:55 PM.

Lunch with Nacha’s Leadership

Grab your lunch and join in an intimate conversation with Nacha’s President & CEO, Jane Larimer. Jane will answer your questions about the organization, the strength of the ACH Network, and how Nacha has responded and reacted to the COVID-19 pandemic. Other topics include Nacha’s volunteer groups and opportunities, the future of the Network, and Nacha’s role in the payments industry. You won’t want to miss this outstanding opportunity to engage with Jane, so bring your grilled cheese and meet Nacha’s own Big Cheese!

The Lunch JAM: Q&A with Rules Experts

Grab your lunch and join faculty members Jen Kirk, Amy Morris, and Michele Barlow as they answer your most-pressing questions about the Nacha Operating Rules. Representing many years of experience in the ACH Network, these experts are on the front lines of education, development and enforcement of the Rules. Bring your favorite type of peanut butter to accompany the JAM session!


1:00 PM-1:50 PM

Audit & Risk Assessments 101

AAP Prep School of Study | APRP Prep School of Study | Payments Risk & Compliance School of Study

This course helps students understand and address key exception situations faced by financial institutions and their customers. Students discover what constitutes an exception and explore possible causes of and resolutions for common issues. Instructors also explore the Rules violation process and engage with students in discussion on how the ACH Contact Registry can be an effective tool in managing communication between FIs.

Mary Gilmeister, AAP, NCP, President & CEO, WACHA - The Premier Payments Resource


Essentials of the ACH Network Part II

AAP Prep School of Study | General Payments Systems School of Study

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

Gai C. Craig, AAP, CTP, Executive Vice President, Operations, Education & Member Support, PaymentsFirst, Inc.


New! Master's Class Meet Up

Master's Program | Payments Risk Management Master's Program

This networking and education opportunity allows students to mingle and interact with fellow students to discuss situations they have encountered, vendors they have used, Rules they may not fully understand (or think should be changed). Students are encouraged to send in suggested topics in advance of TPI. Both Payments Risk Management Master’s and Master’s Program students will participate in this interactive setting.

Jennifer D. West, AAP, Director, Payments Innovation Alliance, Education & Accreditation, Nacha


Payments Revolution Part II: Payment Experience

Payment Innovations & Technologies School of Study

Building upon the technologies 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 a card on file, and Starbucks allowing you to place an order and pay before arriving at 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.

Brian Dao, AAP, Assistant Vice President Electronic Payments, Commerce Bank

Shawn Princell, President, Cash Flow Solutions, Inc.


2:00 PM-2:50 PM

New! ACH Exception Handling & Error Resolution

AAP Prep School of Study | APRP Prep School of Study | Payments Risk & Compliance School of Study

This course helps students understand and address key exception situations faced by financial institutions and their customers. Students discover what constitutes an exception and explore possible causes of and resolutions for common issues. Instructors also explore the Rules violation process and engage with students in discussion on how the ACH Contact Registry can be an effective tool in managing communication between FIs.

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


Enterprise Risk Management

APRP Prep School of Study| Payments Risk & Compliance School of Study

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 from a FI perspective. ERM topics covered include identifying, reporting and controlling risks, and the progress being made in the financial world when it comes to ERM.

Elizabeth A. Cronenweth, AAP, CTP, Treasury Management Risk Consultant, TriState Capital Bank


Faster Payments Risk Strategies

Payments Risk Management Master's Program

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. As payments move faster, it is critical to identify processes to use these mechanisms while ensuring steps are taken to recognize risk. Building a strategy for identifying and mitigating faster payments risk goes beyond understanding the “hows” and the “whys.” It must also include the “why nots” and the “what ifs.” Instructors in this course explore faster payments offerings available in the marketplace, while examining the need to develop procedures to recognize and mitigate risk in the faster payments environment.

Tristan Thompson, AAP, SVP, Payments Group Manager, Bank Products, UMB Bank, N.A.


New! Payment Systems Law

Master's Program

Understanding the fundamentals of laws and regulations related to payments is crucial, but so is having a clear understanding of how these interact with one another, particularly when there may be overlap. With so many agencies overseeing the industry, students will gain knowledge of which has jurisdiction over not just payments in general but also on individual transactions. The rules and regulations for each payments rail may or may not be the same, and the authority over the transaction could also differ. This course delves into these issues and more.

Richard M. Fraher, Payments Legal Expert


3:00 PM-3:50 PM

ACH File Formats

AAP Prep School of Study | General Payments Systems School of Study

ACH Origination begins with a properly formatted file. This course focuses on the intricacies of ACH Record Formats. Instructors take students on a comprehensive and detailed tour of the 94 characters that comprise an ACH entry. Students also review Addenda Records, 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.

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


Advanced Enterprise Risk Management

Payments Risk Management Master's Program

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

Elizabeth A. Cronenweth, AAP, CTP, Treasury Management Risk Consultant, TriState Capital Bank


New! ISO 20022 in Usage

General Payments Systems School of Study

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, which has many uses, including leveraging the format to better enable emerging payment types. Students learn the capabilities of ISO 20022, hear about the efforts of industry stakeholders in the transformation of the standard, the value-add of data, opportunities provided by ISO data fields and data usage, and how the new ISO standard for wire can impact their organization and clients.

Orlando Santos, Vice President, Product Management, New Payment Flows - Bank Partnerships, Mastercard


New! Rolling out a Marketing Campaign

Master's Program

The decision to offer new products does not begin with the product itself, but with an understanding of how to market and promote while building brand awareness. However, campaigns should not only be rolled out for new products and services, but  recognizing when trusted products are in need of attention is also key. This course walks students through the steps necessary to roll out a marketing campaign to build or rebuild brand awareness. Following a brief presentation, students work in teams to build a campaign plan.

John L. Biloz, AAP, Vice President, ACH Product Manager, J.P. Morgan

Victoria Day, Chief Communications Officer, Nacha


4:00 PM–4:50 PM

Happy Hour

School’s dismissed, but don’t log off yet! Join your classmates for a fun and interactive Happy Hour. Activity details coming soon.

Tuesday, July 28

9:00 AM - 9:45 AM

The Breakfast Club

No, it’s not the super, amazing John Hughes movie from the 1980s – but it will be just as great, if not better! It’s not all day detention and you won’t need to raid Barry Manilow’s closet in order to attend. It’s going to be a busy day, so grab a cup of joe (or a soda from the vending machine) and ease into it. Screws fall out all the time, the world is an imperfect place but you can get your day started right while meeting your classmates and raising a ruckus, "Can you describe the ruckus, sir?" Enjoy some relaxing conversation with fellow early risers. Introduce yourself to new classmates and enjoy the fact that you don’t have to spend 8 hours and 54 minutes writing an essay!


10:30 AM-11:20 AM

New! Employment Law Challenges in the COVID Era

Payments Risk & Compliance School of Study

Whatever state you are in, it is clearer than ever that planning ahead will become the key to reopening your business successfully, and without getting sued. This course addresses the practical and legal challenges employers will face in a world where the coronavirus threat has been managed, but hasn’t disappeared. Topics include the future of telework, managing HIPAA requirements in the new normal, the critical components of a reopening plan and the inevitable challenges employers will face.

Mark Konkel, Partner, Kelley, Drye & Warren

Matthew C. Luzadder, Partner, Kelley Drye & Warren LLP


Payment Systems Regulations Part I

AAP Prep School of Study | APRP Prep School of Study | Payments Risk & Compliance School of Study

This class introduces students to the alleged “alphabet soup” of laws and regulations that govern payments, with an emphasis on enforcement. Students are provided with information about all relevant laws and regulations and a basis for more in-depth examinations of Regulation E, UCC 3, 4 and 4A and the Green Book. In Part II of this course, students are able to apply knowledge to scenarios for pertinent regulations.

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

Jennifer Kirk, AAP, Vice President Education, EPCOR


Payments Risk Management Systems & Controls

Master's Program | Payments Risk Management Master's Program

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

Jen Wasmund, AAP, CTP, NCP, Senior Manager, Enterprise Payments Risk Management, Capital One


Understanding the Potential of APIs

Payment Innovations & Technologies School of Study

APIs have proven their value across many industries for years now, allowing for a model of smart integration and seamless experiences. The pendulum for this model now swings towards banking, with services ranging from bank account management to fraud prevention via real-time payment validation. This course introduces APIs, how they might be used in the payments world, and what Nacha and industry stakeholders are doing to advance their usage.

Orlando Santos, Vice President, Product Management, New Payment Flows - Bank Partnerships, Mastercard


11:30 AM-12:20 PM

Concepts of Treasury Management

General Payments Systems School of Study

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, 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.

Elizabeth A. Cronenweth, AAP, CTP, Treasury Management Risk Consultant, TriState Capital Bank

Stephen Wojciechowicz, AAP, CTP, Treasury Services, Product Management, Direct Clearing, USD Clearing , BNY Mellon


New! FedNow®: Working it in to your Faster Payments Strategy

Master's Program

FedNow may still be a few years away from going live, but you should be thinking about and planning for its potential impact on your operations now.  Instructors present students with current available information about FedNow, then lead an interactive discussion with students about what areas of their operations should be looked at between now and 2023. Students will have the opportunity to pose questions both to the instructors and each other on approaches that can be taken when considering how their organization should proceed from a planning perspective.

Daniel M. Baum, Senior Vice President, Product Strategy, Federal Reserve Bank of Atlanta

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


Payment Systems Regulations Part II

AAP Prep School of Study | APRP Prep School of Study | Payments Risk & Compliance School of Study

Payment Systems Regulations Part I introduced the laws and regulations surrounding the payments industry. During this interactive course, students break into groups and are presented with scenarios allowing them to decide how they are supposed to proceed based on the applicable rules, regulations, or laws and openly discuss what would happen if they do not proceed in the correct manner.

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

Jennifer Kirk, AAP, Vice President Education, EPCOR


New! The Changing Face of Fraud

Payments Risk Management Master's Program

Fraudsters and fraud schemes continue to pose threats to payments systems – both trusted and emerging platforms. Ensuring your organization is armed with information on recent threats and is equipped to identify the next wave of fraud are critical to protecting your organization and your customers from loss. This course examines case studies from new" fraud schemes as students are asked to consider how lessons learned from possible vulnerabilities these events could expose."

Giles Witherspoon-Boyd, Founder & CEO, Protocol


New! Update on the Faster Payments Landscape

General Payments Systems School of Study

Same Day ACH, RTP, Zelle, FedNow and other faster payment options continue to expand, and many of us feel like we are on information overload. Making decisions on where to go with faster payments can be baffling, whether you are a financial institution or corporate practitioner. Speakers lay out the fundamentals of faster payments to provide a basis for understanding additional coursework later in the week.

Olivia Maciel, AAP, APRP, Director, EPN Product Management, The Clearing House


12:20 PM–1:00 PM - Lunch Break

Noontime Knowledge

Can't stop learning? Grab your lunch and join us for these lively chats scheduled 12:35 PM-12:55 PM.

The Lunch JAR: Understanding the Rule Making Process

Feed your appetite for learning how the rule-making process works and get a taste of what’s happening with Nacha’s Rules & Operations Committee. Join faculty members and Rules Ops Committee participants Jen Wasmund, Amy Leslie, and Ruth Harpool as they share their experiences (but not their dessert) with the Committee and learn how their input helps to develop new rule ideas and shape the future of the ACH Network.

Who Wants to Be Accredited?

Are you hungry to become accredited? If so, grab your lunch and join your fellow aspiring AAPs and APRPs. Board of Regents members will lead an interactive discussion focused on exam preparation tips and field questions about subject matter covered in the courses you’ve attended. If you’re planning to take the AAP or APRP exam, you can’t afford to miss this Noontime Knowledge breakout. Becoming accredited is the icing on the cake for your payments career!


1:00 PM-1:50 PM

Business Continuity Planning: Are You Prepared?

APRP Prep School of Study | Payments Risk & Compliance School of Study

Same Day ACH, RTP, Zelle, FedNow and other faster payment options continue to expand, and many of us feel like we are on information overload. Making decisions on where to go with faster payments can be baffling, whether you are a financial institution or corporate practitioner. Speakers lay out the fundamentals of faster payments to provide a basis for understanding additional coursework later in the week.

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


New! Mapping Fraud: The Road to Safer Payments

General Payments Systems School of Study

The lack of an industry standard for categorizing payment fraud losses has created difficulties in capturing and interpreting fraud trends. To help address these challenges, the Federal Reserve established the Fraud Definitions Work Group that includes an array of payments stakeholders. These experts have worked to craft a recommended Fraud Classification Model defining ACH, wire and check fraud. Hear how the Model adds value to the payments industry and how speakers have taken steps to adopt the framework into their organizations’ fraud prevention methods.

Andres Rapela, AVP, Federal Reserve Bank of Boston

Mike Timony, VP, Federal Reserve Bank of Boston


The Impact of Fintech on the Traditional Payments Participant

Master's Program

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 change or introduce new methodologies relative to 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 may be impacted now and in the future.

Peter Tapling, APRP, Managing Director, PTap Advisory, LLC


Understanding the Payments Risk Environment

Payments Risk Management Master's Program

This level-setting course reinforces students knowledge of foundational risk management principles in the payments industry. The instructor discusses risk management across ACH, check, wire transfer, real time, 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.

Jen Wasmund, AAP, CTP, NCP, Senior Manager, Enterprise Payments Risk Management, Capital One


Understanding Third Party Relationships

Payments Risk & Compliance School of Study

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. Instructors discuss what classifies a Third-Party Sender as such, including guiding students  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.

Danita Tyrrell, AAP, APRP, Senior Director, ACH Network Rules Development & Technical Support, Nacha


2:00 PM-2:50 PM

New! BSA/AML, OFAC & Sanctions, Oh My!

APRP Prep School of Study| Payments Risk & Compliance School of Study

Instructors guide students through a journey about the laws and regulations related to consumer protection, and focuses on anti-money laundering, the Bank Secrecy Act, OFAC compliance, and how the industry is impacted by regulatory reach at both the state and federal level. Special attention is paid to monitoring, reporting, investigations and reviewing incidents involving BSA, AML and/or OFAC.

Matthew Luzzader, Partner, Kelley Drye & Warren

Robert Slack, Partner, Kelley Drye & Warren


How to Present Ideas to Your Board

Master's Program | Payments Risk Management Master's Program

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 insight on how to share what they  have learned with decision-makers in your company and participate in mock board presentations.

Brian Dao, AAP, Assistant Vice President Electronic Payments, Commerce Bank


New! Impact Considerations for a 24x7x365 World

General Payments Systems School of Study

With faster (and immediate) payments come faster (and immediate) settlement. And with faster (and immediate) settlement come many operational changes. Financial institutions and end users are now having to reconsider the meaning of “end of day” as new procedures for cash and liquidity management become more important. Students in this course interact with instructors to draft a list of considerations an institution may need to consult as they prepare to change the traditional 9-to-5 banking day into a round-the-clock world.

Heather Davis, AAP, APRP, Technical Service Specialist, Wells Fargo

Olivia Maciel, AAP, APRP, Director, EPN Product Management, The Clearing House


Strategies for Selecting & Onboarding Third Parties

APRP Prep School of Study| Payments Risk & Compliance School of Study

Third-party providers offer organizations many options to assist with day-to-day operations. Selecting to use a third party and determining which of an organization's processes could be assumed by a vendor are considerations that must be taken into account. This course examines the steps to be taken to select a third party and how to ensure the partnership works for everyone. Students leave this course with a detailed checklist of items to consider when vetting a third party.

Jessica Perkins, Third Party Risk Manager, Central Payments, a division of Central Bank of Kansas City


3:00 PM-3:50 PM

New! Cybersecurity Assessment Tools for the Non-IT Professional

Master's Program | Payments Risk Management Master's Program

Students in this course discuss how risk, compliance and operational staff – the non-IT professionals – can assist with the enhancement of their organization’s cybersecurity. While under the purview of IT groups everywhere, we all have a role to play in cybersecurity. The NIST Cybersecurity Framework and the FFIEC Cybersecurity Tool will be dissected to show how risk, compliance, and operations groups can support these important initiatives. Topics explored in the framework and tool include phishing, key logger, and malware, and instructors will provide suggested strategies and mitigation measures. Instructors in this course help students fully understand how to discuss the tool with Executive Management and/or their Board, what they need to know as non-IT professionals, how to assist with the implementation of the framework and how to use the Cybersecurity Tool to enhance Cybersecurity at their organization.

Jessica Perkins, Third Party Risk Manager, Central Payments, a division of Central Bank of Kansas City


New! Demystifying Blockchain – Understanding Its Value

Payment Innovations & Technologies School of Study

Each year brings new developments in blockchain and distributed ledger technology and their various applications. The financial services industry continues moving from proofs of concept to live production. Which of the many use cases currently in development hold the greatest promise for payments and transaction banking service providers? What are the latest developments in regulatory oversight? Instructors and students explore these questions and discuss how FIs can map a way forward from the early adopter phase into mature application deployment of distributed ledger technology – even exploring digital currencies.

Peter Tapling, APRP, Managing Director, PTap Advisory, LLC


New! Reversals & Rules Enforcement Case Studies

AAP Prep School of Study | Payments Risk & Compliance School of Study

Within just a few short weeks in the fall of 2019, the ACH Network experienced three situations that stirred up discussions of reversals across the industry. In one situation, reversals were used that should not have been; in the second situation, reversals were not used, but should have been; and in the third situation, reversals saved the day. Instructors in this course examine each of the situations as students become members of the rules enforcement panel to discuss what was done right, what could have been done better, and how the decisions made by participants impacted others throughout the Network.

Jordan Bennett, AAP, Senior Director, Network Risk Management, Nacha

Christian Selmi, AAP, CRCM, Senior Vice President, Regulatory Compliance, WesPay


New! Topics in Regulation: Regulation E, UCC 4A, and the Green Book

AAP Prep School of Study | Payments Risk & Compliance School of Study

Being fully versed in Regulation E, UCC 4A and The Green Book are critical to preparing for the AAP Exam. This fast-paced course dedicates 25 minutes to a deep dive into each of these resources. Key takeaways include the purpose of Regulation E and the requirements related to ACH; an understanding of how the UCC relates to the Nacha Operating Rules, and the significance to financial institutions and their corporate clients; and how federal rules differ from the Nacha Operating Rules and the handling of government returns, DNEs and NOCs, and possible liability for government payments posted in error.

Lisa Andre, AAP, Acting Deputy Executive Director, PFC, U.S. Department of the Treasury, Bureau of the Fiscal Service

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

Scott Jones, Partner, Adams & Reese, LLP


4:00 PM–4:50 PM

Happy Hour

School’s dismissed, but don’t log off yet! Join your classmates for a fun and interactive Happy Hour. Activity details coming soon.

Wednesday, July 29

9:00 AM - 9:45 AM

The Breakfast Club

It’s the last day of school! You’ve made new contacts and have been telling your friends and family, “Everybody loves me so much at this school.” You’ve determined you aren’t the only payments geek out there as you’ve realized we’re all a little bizarre, some of us are just better at hiding it. But the learning isn’t over yet. Get your protein-filled breakfast, "Excuse me, Rich. Will milk be made available to us?" Put on your required uniform, "You wear tights? No, I wear the required uniform." And enjoy the company of your classmates before we hit the books and say goodbye until next year.


10:30 AM-11:20 AM

New! Combatting BSA/AML & OFAC Risk

Payments Risk Management Master's Program

In many financial institutions, payment risk management and BSA/AML compliance responsibilities are located in different departments despite the fact that some of these responsibilities, such as KYC and reporting fraudulent transactions, are often very similar. Recent actions taken by the OCC and the FDIC highlight why financial institutions should integrate payment risk management and BSA/AML and OFAC compliance functions. Attendees will learn how FIs can best coordinate these activities to reduce the risk of litigation and financial penalties.

Matthew C. Luzadder, Partner, Kelley Drye & Warren LLP


New! Cybercrime Trends in the COVID-19 Era

Payments Risk & Compliance School of Study

As the COVID-19 pandemic swept the globe the adoption of online usage, digital and mobile payments, telework and virtual platforms presented opportunities to fraudsters, hackers, and other perpetrators of cybercrime. Keeping one step ahead of the threats and being able to mitigate loss is always critical but during the concerns and distraction caused by the pandemic it became even more important than ever to understand and recognize new ways your organization - or even personal - information and infrastructures could be compromised. This course examines some of the types of fraud and how the cyber community banded together to keep cyberspace healthy.

Giles Witherspoon-Boyd, Founder & CEO, Protocol


New! Downstream Risk - Operational Risk

APRP Prep School of Study| Payments Risk & Compliance School of Study

This course focuses on risk as experienced through real-life case studies. These are not hypotheticals. Instructors and students engage in deep discussions that address risk related to multiple files, prepaid, the allocation of liability and more.

Jessica Perkins, Third Party Risk Manager, Central Payments, a division of Central Bank of Kansas City


New! Mastering Payments Technology

Master's Program

Understanding changing technologies, including APIs, blockchain and standards, is a critical element of helping your organization manage change. This course examines APIs from both a consuming  and publishing perspective, as well as explores the capabilities and possibilities that exist in blockchain and cryptocurrency.

Peter Tapling, APRP, Managing Director, PTap Advisory, LLC


Wires: Functionality & Risk Study

APRP Prep School of Study | General Payments Systems School of Study

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, including the possible impact of faster payments mechanisms to this legacy system. Risk mitigation and detection methods are also reviewed.

Stacey L. Gross, AAP, APRP, Payments Training Specialist, The Clearing House Payments Authority

Stephen Wojciechowicz, AAP, CTP, Treasury Services, Product Management, Direct Clearing, USD Clearing , BNY Mellon


11:30 AM-12:20 PM

Checks: Functionality & Risk Study

APRP Prep School of Study | General Payments Systems School of Study

Although the use of electronic payments is ascending, the use of checks – whether paper or image – continues to exist. This course explores different types of negotiable instruments and the products and systems that support them, such as remote deposit capture, e-checks, e-lockboxes and other mobile options, and corporate availability for those organizations to keep up with these advancements. Students gain an understanding of the key attributes, life cycles, capabilities, uses and developments in checks and images, including the possible impact of faster payments mechanisms to this legacy system. Risk mitigation and detection methods are also reviewed.

Angie Smith, AAP, NCP, SVP, Professional Development Events, WesPay


New! I’m a Product Manager…Now What?

General Payments Systems School of Study

Congratulations on becoming a product manager. Are you ready to be the CEO of your product? The role of a product manager varies at every organization and the responsibilities can be daunting. Instructors share experiences of product management and provide insights into gaining subject matter expertise and product knowledge, meeting internal operations requirements, understanding revenue expectations, and other attributes for success.

Brian Dao, AAP, Assistant Vice President Electronic Payments, Commerce Bank


New! Maintaining Harmonious Policies & Procedures

Master's Program | Payments Risk Management Master's Program

Policies and procedures are key components of a risk strategy. However your policies cannot be effective unless your procedures back them up. Additionally, you cannot write appropriate policies without understanding your risk appetite. Instructors in this course examine how concepts for policies and procedures go hand-in-hand, including some real-life examples from an auditor. Tips on how to make your policies and procedures more effective will also be shared.

Jennifer Kirk, AAP, Vice President Education, EPCOR


Putting FFIEC Guidance into Practice

APRP Prep School of Study| Payments Risk & Compliance School of Study

Policies and procedures are key components of a risk strategy. However your policies cannot be effective unless your procedures back them up. Additionally, you cannot write appropriate policies without understanding your risk appetite. Instructors in this course examine how concepts for policies and procedures go hand-in-hand, including some real-life examples from an auditor. Tips on how to make your policies and procedures more effective will also be shared.

Jessica Perkins, Third Party Risk Manager, Central Payments, a division of Central Bank of Kansas City


Noontime Knowledge - Lunch Break

Need a break from payments education? Grab your lunch and join us for this relaxing chat scheduled 12:35 PM-12:55 PM.

No ”Shop Talk” Allowed!

Your TPI Home School experience is almost complete. You’ve stuffed yourself full of payments education, now it’s time to loosen your belt and join fellow students for a potluck conversation on everything NOT related to payments! Join Board of Regents and other faculty members to discuss your favorite foods, binge-worthy shows, or what you’ve been doing to pass the time without sports – or whatever other topic your palette desires.


1:00 PM-1:50 PM

New! Communication Planning for Crisis Management

Master's Program | Payments Risk Management Master's Program

When a crisis strikes – be it operational, natural or risk-based – having a plan on how to communicate internally or externally is essential. It is critical not to spend time during a crisis on building the plan so that time can be spent on executing what needs to be communicated and to whom. This course provides students with the tools they need to have a foundational crisis management plan in place and to recognize what elements of the situation are most important to share.

John L. Biloz, AAP, Vice President, ACH Product Manager, J.P. Morgan

Victoria Day, Chief Communications Officer, Nacha


New! Nacha Rules Update

General Payments Systems School of Study

2020 will bring a great number of enhancements to the Nacha Operating Rules. From increasing the Same Day ACH dollar limit to differentiating unauthorized return reasons using R10 and R11, as well as the ACH Contact Registry and meaningful modernization of the Rules,there is a lot to know. Students learn the effects of these changes on their organization's operations and the potential impact to ACH Network participants.

Amy K. Morris, Senior Director, ACH Network Rules, Nacha


New! Synthetic Identity Fraud

Payments Risk & Compliance School of Study

Synthetic identity fraud is the fastest-growing type of financial crime in the U.S. This crime creates new, fictitious identities by combining false and legitimate personal information used to commit fraud against financial institutions, government agencies or individuals. How can we detect and mitigate this rapid-growing financial fraud before it is too late? Together, payment industry stakeholders and law enforcement agencies can help FIs identify trends and gaps, and take steps to create new fraud models that predict better synthetic ID trends. When onboarding new customers, FIs must follow appropriate laws and regulations. By not wanting to over complicate the already cumbersome enrollment process, detecting synthetic identity fraud is difficult. This course examines these security challenges and what your organization can do to mitigate this risk to protect your customers and organization from loss.

Andrew Davies, VP Global Market Strategies, Financial Crime Risk Management, Fiserv

David E. Richardson, Senior Manager Fraud and ATM Operations, First National Bank of Omaha


2:00 PM-2:50 PM

New! Building Your Own Audit & Risk Assessment Adventure

AAP Prep School of Study | APRP Prep School of Study | Payments Risk & Compliance School of Study

In this interactive course, students are provided situations that may arise during an audit and are asked to respond to the auditor by explaining the remedy for the finding. In other hands-on activities, a sample audit checklist is distributed and students are asked to use the checklist to determine what information would be required to obtain positive audit results.

Pamela Rodriguez, AAP, CIA, CISA, Senior Vice President, Member Services, Southern Financial Exchange


New! How to Escalate a Risk Event

Master's Program | Payments Risk Management Master's Program

Presenting ideas to your Board can be a daunting task, oftentimes one that may seem intimidating even to the most experienced professionals. Even more stressful is when you have to present on urgent issues such as the results of a cyberattack or other risk event. However, keeping executive staff informed is crucial to maintaining the soundness and reputation of your organization. The instructor in this course offers hypothetical examples of risk events and how to escalate them within an organization, and tips on ways to prepare for these situations.

Brian Dao, AAP, Assistant Vice President Electronic Payments, Commerce Bank


New! Meaningful Payments Modernization

General Payments Systems School of Study

The overarching purpose of the Meaningful Modernization initiative is to improve the ACH end-user experience by reducing barriers to use, providing flexibility, reducing administrative burdens, and facilitating the adoption of new technologies and channels for authorizing and initiating ACH payments. Instructors in this course provide students an update on the current thinking and perspectives on the benefits and impact of the various elements of this initiative.

Amy Leslie, AAP, Executive Director, ACH Product Manager, J.P. Morgan

Jen Wasmund, AAP, CTP, NCP, Senior Manager, Enterprise Payments Risk Management, Capital One


Survey of Card Products & Clearing

APRP Prep School of Study | General Payments Systems School of Study

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. This course examines how business models are changing with regards to emerging risks and fraud, technology, and regulation. Instructors discuss how these impact business lines, relationships, decision-making and behavior.

Amy K. Morris, Senior Director, ACH Network Rules, Nacha


3:00 PM-3:50 PM

New! Introduction to the Certified International Payments Professional Program

General Payments School of Study

As more and more countries modernize their payment systems, processes and rules, the demand for more experienced payments professionals – with the necessary skills, knowledge and expertise – to develop and maintain these systems continues to grow, yet the current talent pool is small and regionally focused. Additionally, it is often difficult to assess an individual’s payments knowledge prior to hiring. To meet the growing talent demands in our industry, more people – with more expertise and a broader global perspective – are needed. Nacha, Payments Canada, the Dutch Payments Association, the Payments Association of South Africa and the Australian Payments Network have joined forces to develop CIPP, a payments professional certification program. In this course, students learn what will be covered in the certification program, how it was created, and why it will be vital to you, your organization and the global payments ecosystem.

Jane Hennessy, Senior Director, VISA B2B Connect, VISA


New! Master's Class Wrap Up

Master's Program | Payments Risk Management Master's Program

This networking and education opportunity allows students to virtually interact with their masters-class peers to reflect on their TPI Home School experience and review topics that require additional discussion or debate. This is also a chance to solidify newly-formed relationships and explore ways to engage beyond TPI.

Jennifer D. West, AAP, Director, Payments Innovation Alliance, Education & Accreditation, Nacha


Respective Roles Within FI & Fintech Partnerships

Payment Innovations & Technologies School of Study

More than a fleeting buzzword, fintech is redefining innovation in financial services with new approaches to R&D, collaboration, strategy, product design and delivery. With a customer-centric focus supported by analytics, fintechs are often good potential partners, especially for projects with goals that extend beyond what traditional banking is accustomed. But what happens after the vendor agreement is signed? This course explores the roles FIs and fintechs play after a partnership begins, and presents strategies for leveraging the best assets each organization has to achieve the ultimate success of a product or innovation, which is customer satisfaction.

Brian Dao, AAP, Assistant Vice President Electronic Payments, Commerce Bank

Shawn Princell, President, Cash Flow Solutions, Inc.


New! What’s So Reasonable About Commercially Reasonable?

General Payments Systems School of Study

Usage of the term “commercially reasonable” traces beyond the Nacha Operating Rules. The phrase is used in the Uniform Commercial Code and has even been debated by the Supreme Court. Simply stated, commercially reasonable means “fair, done in good faith, and corresponding to commonly accepted commercial practices.” But what is considered fair by one organization might not be to others. This course reviews examples of how commercially reasonable is used within the Nacha Operating Rules, particularly with regard to the upcoming WEB verification requirements, as instructors and students discuss and debate their interpretation of commercially reasonable.

Richard Fraher, Payments Legal Expert

Scott Jones, Partner, Adams & Reese

Jennifer Kirk, AAP, Vice President Education, EPCOR


4:00 PM-4:50 PM

New! Nacha: The Strategic Direction & Future Vision

Lecture Hall

For more than 45 years, the ACH Network, with Nacha as its steward, has served as the backbone of electronic payments and of the payments industry. Through education, advocacy and collaboration, Nacha and its members have worked together to propel payments forward and to ensure the Network grows and adapts to the changing environment. Working with financial institutions, end users, processors, innovators and regulators allows Nacha to serve as the voice of the industry. In this course, Jane Larimer, Nacha’s President and CEO, shares her vision for Nacha and how, along with the ACH Network, it will remain as vital to the payments world as it has always been.

Jane E. Larimer, President & CEO, Nacha