PAYMENTS 2014 On Site Guide

ORLANDO WORLD CENTER MARRIOTT

Hosted by:

Transform Imagination into Strategic Innovation

ONSITE GUIDE

Pay2014_Onsite_7B_PAY2012 3/11/14 10:03 AM Page 2

BEIJING · BOSTON · BRUSSELS · CHICAGO · DALLAS · FRANKFURT · GENEVA · HONG KONG

HOUSTON · LONDON · LOS ANGELES · NEW YORK · PALO ALTO · SAN FRANCISCO

SHANGHAI · SINGAPORE · SYDNEY · TOKYO · WASHINGTON, D.C.

Attorney Advertising - For purposes of compliance with New York State Bar rules, our headquarters are Sidley Austin LLP, 787 Seventh Avenue, New York, NY 10019, 212.839.5300; One South Dearborn, Chicago, IL 60603, 312.853.7000; and 1501 K Street, N.W., Washington, D.C. 20005, 202.736.8000. Sidley Austin refers to Sidley Austin LLP and affi liated partnerships as explained at www.sidley.com/disclaimer. Prior results do not guarantee a similar outcome.

SETTING THE

LEGAL STANDARD

FOR THE GLOBAL

PAYMENTS INDUSTRYOur strategic advice is informed by our extensive

background in the payments industry. From bitcoin

and virtual currency to mobile payments, prepaid

and debit cards, and ACH, our team can assist

you with your legal and business objectives.

Washington, D.C.

William S. Eckland +1.202.736.8267

Joel D. Feinberg +1.202.736.8473

James A. Huizinga +1.202.736.8681

Jeffrey S. Hydrick +1.202.736.8192

Gretchen E. Lamberg +1.202.736.8083

Patrick K. O’Keefe +1.202.736.8120

David E. Teitelbaum +1.202.736.8683

John K. Van De Weert +1.202.736.8094

London

William RM Long +44.20.7360.2061

Rachpal K Thind +44.20.7360.3721

Singapore

John M. Casanova+65.6230.3907

www.sidley.com

Pay2014_Onsite_7B_PAY2012 3/7/14 2:36 PM Page 2

https://payments.nacha.org I 1-800-487-9180 3

TABLE OF CONTENTS Thank you to Our Sponsors and Media Partners. . . . . . . . . . . . . . . . . . . . .4

Chairperson's Welcome Letter . . . . . . . . . . . . .5

Welcome to PAYMENTS 2014! . . . . . . . . . . . .6

Conference Highlights . . . . . . . . . . . . . . . . . . .7

Executive Forum . . . . . . . . . . . . . . . . . . . . . . .9

Orlando World Center Marriott Floor Plan . . .10

Conference Planning Committee . . . . . . . . . .38

Workshops, Sessions and Special Events

Sunday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Monday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Tuesday . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24

Wednesday . . . . . . . . . . . . . . . . . . . . . . . . . .34

Sponsor/Exhibitor/PAYMENTS 3DInnovators Directory

PAYMENTS 2014 Sponsors . . . . . . . . . . . . . .39

Floorplan . . . . . . . . . . . . . . . . . . . . . . . . . . . .44

Exhibitor List . . . . . . . . . . . . . . . . . . . . . . . . .45

Exhibitor Directory . . . . . . . . . . . . . . . . . . . .46

PAYMENTS 3D Innovators . . . . . . . . . . . . . .56

PAYMENTS 2014 Mobile App

View Schedules. Explore sessions, accesslocations and speaker presentations.

Create. Design your personal scheduleand view interactive maps.

Check-in. For sessions, keynotes, exhibitorbooths and more.

Update. Share photos, comments, yourlocation and connect with other attendees.

Earn Badges. Earn points and badges bysimply using the App and enhance yourchance to win! See page 11 for details.

Download the App athttp://doubledutch.me/download/payments-2014


4 Follow us on Twitter @NACHA_PAYMENTS Hashtag: #PAYMENTS2014

Thank You . . ....TO OUR SPONSORS

T E C H N O L O G I E S

TM

www.affirmativeusa.com

. . . AND TO OUR MEDIA PARTNERS

Monday Night CelebrationCo-Sponsor

Exhibit Hall Aisle Signs Monday Lunch in Exhibit Hall Industry Agenda & Education:Corporate Payments Solutions Track

Spotlight Speaker Series Co-Sponsor

Conference Pens PAYMENTS 3D Theater andIndustry Agenda & Education:Card-Based Opportunities Track

Wednesday Continental Breakfast

Monday Night CelebrationCo-Sponsor

Solution Circles Monday Morning Refreshment Break Industry Agenda & Education:Risk, Compliance & Fraud

Prevention Track

Industry Agenda & Education:The ACH Network & the NACHA

Operating Rules Track

Monday Continental Breakfast Conference Lanyards AAP Sunday Evening Reception

Chairperson's Leadership Reception 2014 NACHA Payments SystemAwards Luncheon

Executive Forum Industry Agenda & Education:Mobile & Digital Payments Track

Wireless Internet

These logos are registered trademarks or are considered other intellectual property of their respective companies in the United States and other countries and are used under license and/or permissions.



Chairperson's Welcome Letter

Colleagues:

On behalf of NACHA — The Electronic Payments Association, I welcome you to PAYMENTS 2014.

Representing organizations throughout the payments value chain, we gather in Orlando for our annual conference, to learn, engage and network with the best and brightest in the payments industry. Collectively, we are driving innovative solutions as well as their adoption, which is enabling businesses and consumers to securely and easily purchase and pay bills electronically.

Regardless of your role in the payments field, NACHA’s annual conference offers you a comprehensive examination of themost pressing topics in the payments ecosystem that will inform and enrich your strategic outlook and execution. Take fulladvantage of the unrivaled educational experience and solution-rich exhibit hall to gain insights and actionable informationfrom those who are driving change and moving the industry forward.

Engage your colleagues, clients and business partners — and cultivate new relationships — while gaining industry-leadingknowledge. The robust dialogue among attendees and incomparable networking opportunities provides an immediate linkage between new ideas and potential business opportunities.

The NACHA team of industry volunteers and staff has worked tirelessly to deliver unmatched value at PAYMENTS 2014.Our goal is for you to leave Orlando armed with the new ideas, business connections and critical knowledge necessary tocontinue to strategically drive payments innovation for your organization and for the industry.

We hope you enjoy the conference.

Sincerely,

Pat Thelen, CTPExecutive Vice PresidentUMB Bank n.a.NACHA Board Chairperson


REGISTRATION & ADMISSION INFORMATIONAll PAYMENTS 2014 attendees must wear their conferencecredentials at all times. Individuals without credentials willnot be admitted to any conference functions. Conferenceparticipants with green badge stock (exhibit hall only andguests) are not permitted to attend concurrent educationalsessions, Solution Circles or the Tuesday Awards Luncheon.All attendees must wear their credentials in order to attendthe Monday Night Celebration.

All session attendees must be seated during presentations.Standing in the back of an education session is prohibited bythe Fire Marshall.

REGISTRATION HOURSLocation: Palms Ballroom Foyer

Sunday, April 611:00 a.m. – 1:00 p.m. (Pre-Conference Workshop Registrants Only)1:00 p.m. – 6:30 p.m. (All Registrants)

Monday, April 7 7:00 a.m. – 5:30 p.m.

Tuesday, April 8 7:30 a.m. – 5:30 p.m.

Wednesday, April 98:00 a.m. – 12:00 p.m. Conference Concludes at 12:00 p.m.

EXHIBIT HALL HOURSMonday, April 7 10:30 a.m. – 2:45 p.m.

3:45 p.m. – 5:00 p.m.

Tuesday, April 8 9:00 a.m. – 11:45 a.m.

1:00 p.m. – 7:00 p.m.Exhibit Hall Activities Conclude at 7:00 p.m.

EDUCATION SESSION PRESENTATIONMATERIALS Presentation materials will be available for download for up to 90 days after the conference via the PAYMENTS 2014 Mobile App and athttps://www.nacha.org/pay-pres.

SOCIAL MEDIAFollow all the activity on Twitter at@NACHA_PAYMENTS and use hashtag#PAYMENTS2014 along with the speaker handleslocated throughout this guide to join in the conversationduring each session. Join us on LinkedIn athttp://bit.ly/PAYMENTS2014

COMPLIMENTARY WIRELESS ACCESS Sponsored by

Bring your laptop or mobile device and take advantage ofcomplimentary wireless Internet access in the meetingspace at the Marriott. For access to the complimentaryWiFi service provided by Western Union, select thePAYMENTS2014 network and use the password ofWesternUnion.

FIRST TIMERS' ORIENTATION SOCIALSunday, April 610:45 a.m. - 12:00 p.m.Location: Crystal J1

Join us for an overview of all of the educational andnetworking opportunities the PAYMENTS conference hasto offer. After this short presentation, enjoy a coffee breakwith select members of the Conference PlanningCommittee and NACHA staff who are there to answeryour questions and help you make connections.


Welcome to !

Thank you for being a part of the most comprehensive payments event of the year. All events are held at the Orlando World Center Marriott unless otherwise noted.



Conference Highlights

Back by popular demand, this exciting event brings together forward thinking, out-of-the-box disrupters from all over the world.PAYMENTS 3D offers a glimpse into the next wave ofpayments industry innovations and challenges, and you’llget the chance to ask questions and talk directly to thesenew consumer and business solution providers. Held in thebuzzing exhibit hall, PAYMENTS 3D offers fast-paced,interactive demonstrations of new technologies andconcepts – up close and in person.

NETWORKING LUNCHESPAYMENTS offers several opportunities for networkingincluding a special lunch in the exhibit hall and therenowned Awards Luncheon where NACHA recognizesindustry innovators.

Networking Lunch in the Exhibit HallJoin us on Monday for an exciting and engaging lunch in the exhibit hall. This opportunity is open to all conference participants and is a great chance to network withexhibitors, sponsors, speakers, and other attendees.

2014 NACHA Payments System Awards LuncheonNACHA’s annual Payments System Awards recognize the highest degree of achievement in the development,implementation and advancement of electronicpayments. These prestigious awards celebrate outstandingaccomplishments and superior leadership. Join us for this entertaining luncheon on Tuesday as we unveil thisyear’s recipients.

EVENING RECEPTIONSMonday Night CelebrationGet ready for one of the most anticipated events of theconference—a fun-filledextravaganza that fills four different clubs and takes over the streets of UniversalCityWalk® at Universal Orlando® Resort. Take a trip toNew Orleans at Pat O’Brien’s® (hosted by ACI Worldwide)or explore the home of the king of reggae at Bob Marley–ATribute to FreedomSM. Enjoy three themed rooms and ahuge dance floor at the grooveSM

and take the stage at CityWalk’s Rising Star (hosted by EastPay). It’s an entire evening of fun, food and celebration. This event is open to all conference attendees. Be there!

Pat O’Brien’s, Hurricane Glass logo, Have Fun! and Iron Grill Design ® Pat O’Brien’s Bar, Inc. © 2014 Pat

O’Brien’s Bar, Inc. All rights reserved. Universal elements and all related indicia TM & © 2014 Universal Studios.

All rights reserved.

Tuesday Evening Reception in the Exhibit Hall You won’t want to miss this opportunity to make thosecritical last-minute connections. Enjoy refreshmentssurrounded by cutting-edge technology providers, paymentservice experts and organizations poised to offer thesolutions you’re looking for.

Sponsored by

Co-Sponsored by

Sponsored by

Sponsored by

33601_NACHA_Rev8:PAY2012 3/12/14 1:19 PM Page 7

UNIQUE EDUCATION EVENTS

Opening General Session

Banking on Artificial IntelligenceDay: Monday, April 7Time: 8:00 a.m. – 9:00 a.m.

Big data tells a story that links customer behavior with business opportunities. However, it is only as good as its speed to insight. Inthe payments industry, organizations will live and die by their abilityto translate big data into decisive, actionable insights in the midst ofan ever-increasing competitive landscape, regulatory uncertainty,evolving technology and constantly shifting consumer behavior. Kris Hammond, CTO of Narrative Science, challenges you to letyour data tell your story, think about the data analysis model oftoday, and explore how you can leverage artificial intelligence tocreate business opportunities. Kris explains how the next step in the evolution of data analysis – Narrative Analytics – is already helpingcompanies better understand their story, improving complianceprocesses, providing better insight to merchants and customers and generating revenue through new products.

Kristian HammondChief Scientist, Professor, Artificial Intelligence Expert,Narrative Science

Solution Circles Day: Monday, April 7Time: 7:00 a.m. - 8:00 a.m.

Start your day off right and join industry colleagues for breakfast, networking and thought-provoking conversations at these open forum roundtable discussions. Choose from multiple discussion topics and gain the insight and knowledge of current industrytrends. Full conference participants only. Seating is limited. Get involved in the conversation. Use hashtag:#PAYMENTS14SC for the Solution Circles.

Solution Circles topics include:

• Monitoring ACH Risk: What Trends Matter Most

• Steps to ACH Origination: What are the Benefits for Credit

Unions?

• The Rules & Originators: How Do We Keep it Simple, While

Keeping Them Informed

• Data Breaches & Security: What’s New and Different in Today’s

Environment?

• Payments System Improvements: What are the Industry’s

Next Steps?

• Virtual Currencies: Are They Here to Stay and Why Should

I Care?

Sponsored by

Sponsored by

Sponsored by

Industry Agenda

Gamifying Financial Services: The Millennials, Gen X & InstitutionsDay: Monday, April 7Time: 2:45 p.m. – 3:45 p.m.

Everything we know about the financial services industry is about to be turned upside down by the Millennial generation. They’re more concerned with the environment, cost and social impact of everything than ever before, but what they really want is fun and engagement. While we’ve been mining behavioral and econometric dataand working hard to improve technology, now we need to consider how to get the customer of the future off their phones for long enough to careabout finance and the future. The solution: gamification – a powerful newapproach to driving loyalty and engagement that is changing the financialemployee, customer and strategic landscape with extraordinary speed. Joinauthor and designer Gabe Zichermann for this fast-paced session that willshow you how, when and why gamification will revolutionize the top andbottom line, and everything in between.

Spotlight Speaker SeriesNew this year, the Spotlight Speaker Series focuses on the challenges andopportunities that will shape the payments space of tomorrow.

Are Bank Innovations Meeting Salient Consumer Needs?Day: Tuesday, April 8Time: 8:00 a.m. – 9:00 a.m.

What’s Next for P2P: Today’s Lessons for the FutureDay: Tuesday, April Time: 3:15 p.m. – 4:15 p.m.

Payment System Priorities: What the Fed Has LearnedDay: Wednesday, April 9Time: 8:30 a.m. – 9:30 a.m.

Invitation-only Events:CHAIRPERSON’S LEADERSHIP RECEPTIONThe NACHA leadership gathers for this invitation-only event to commemorate another year of progress in the payments industry. Location to be communicated via email invitation.

AAP RECEPTIONAll Accredited ACH Professionals are invited to this lively reception where they can network with other AAPs and enjoy hors d’oeuvres and cocktails. AAPs only.

Sponsored by


Sponsored by


The Evolution of the U.S. Payments SystemDay: Monday, April 7Time: 1:15 p.m. – 1:45 p.m.Room: Anaheim/Atlanta/BostonTrack: Executive ForumLevel: Advanced

The next generation of the U.S. payments system requires new thinkingand cooperation across the myriad players that make up today’s paymentsecosystem. Some initiatives introduced over the last few years have been less successful due in part to a siloed approach. Change that can besustained requires addressing the needs of joint business and consumerusers. For solutions to be successful, they must be developed through opencollaboration with consideration of the full ecosystem and benefit bothpayers and payees. Ather Williams, global head of payments and strategyfor Bank of America Merrill Lynch Global Treasury Solution Division out-lines the current state of U.S. payments and presents some opportune areas that build a case for a good future.

Ather WilliamsManaging Director, Bank of America

Rethinking Payments InnovationDay: Monday, April 7Time: 1:50 p.m. – 2:20 p.m.Room: Anaheim/Atlanta/BostonTrack: Executive ForumLevel: Advanced

Financial institutions are constantly concerned with the changing pay-ments landscape and determining how best to face competition. The competition stems from both those within the traditional bank sector andnon-banks infiltrating the marketplace. Financial institution executives aretasked with expanding their offerings to include new ways to advance payments systems and working with their existing clientele and stakehold-ers to innovate using limited capital, resources in the face of an evolvingregulatory environment. Ebru Pakcan, global payments head from Citishares her opinion on how her organization should prepare to shape the payments industry.

Ebru PakcanManaging Director & Head, Global Payments, Citibank N.A.

Payment System Improvement: Implications for Financial InstitutionsDay: Monday, April 7Time: 4:30 p.m. – 5:30 p.m.Room: Anaheim/Atlanta/BostonTrack: Executive ForumLevel: Advanced

The questions posed in the Federal Reserve’s Payment System Improve-ment – Public Consultation Paper pointed to key perceived gaps andopportunities in the U.S. payment system, as well as desired outcomes toclose these gaps and capture these opportunities. Responses received from abroad spectrum of stakeholders provide an array of perceptions that supportor challenge this vision, offer potential paths to realize the expressed desti-nation, and highlight the practical realities of getting there. This sessionengages participants in dialogue with a Federal Reserve executive on thesignificance of this vision — and in light of responses received — to financial institutions and the products, services and platforms they support,the infrastructures in which they have invested, and the business model,macro-economic, and customer/societal considerations.

Marie GoodingFirst Vice President & COO, Federal Reserve Bank of Atlanta

How KeyBank is Using Data to Enhance Customer RelationshipsDay: Tuesday, April 8Time: 10:00 a.m. – 11:00 a.m.Room: Anaheim/Atlanta/BostonTrack: Executive ForumLevel: Advanced

Big Data and analytics have become popular buzzwords in banking, and dis-cussions about these topics frequently focus more on rhetoric than practice.However, at KeyBank, a push to become data-driven over the past year hassuccessfully materialized. Data now drives improvements in decision-mak-ing as it relates to business development, marketing and risk. Participants inthis session gain: an understanding of the key elements that made such adrastic transformation a reality; and about executive commitment, datacentralization and changes in human resources that, beyond reflecting newdecision-making processes and relationships with business leaders, increasetheir perceived importance in the organization. An overview of key lessonsthat KeyBank learned could help participants drive such change in theirown organizations while assessing the quality of analytics at various finan-cial institutions. This is especially important as analytics become crucial forefficient marketing spend and account generation in a changing paymentslandscape.

David BonalleExecutive Vice President, KeyBank

Sponsored byExecutive Forum By Invitation Only



Buses depart here for the Monday Night Celebration at CityWalk.

REGISTRATION

Floorplan


Special Events in Crystal J:

First Timers’ Orientation SocialSunday, April 6

10:45 a.m. - 12:00 p.m. (J1)

Solution Circles Monday, April 7

7:00 a.m. - 8:00 a.m. (J1)

Spotlight Speaker Series SessionsTuesday, April 8 & Wednesday, April 9


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PAYMENTS 2014 Mobile AppCHECK IN AND WIN!Users of the PAYMENTS 2014 Mobile App will have the chance to compete for prizes by earning badges and points. Earn these by checking into sessions and exhibit booths, adding photos, rating items, commenting,adding friends, and other activities.

Prizes of $250 each will be awarded to oneof the top 10 users, as of the TuesdayEvening Reception, and to one of the top10 users to check-in to the most exhibitbooths during Tuesday exhibit hallhours. Winners will be announced inthe NACHA booth during the TuesdayEvening Reception in the exhibit hall.You must be present to win.

Download the App at http://doubledutch.me/download/payments-2014


General Sessions in the Palms Ballroom:

Opening General SessionMonday, April 7

8:15 a.m. - 9:15 a.m.

Industry AgendaMonday, April 7

2:45 p.m. - 3:45 p.m.

Awards LuncheonTuesday, April 8

11:30 a.m. - 1:15 p.m.


Sunday, April 6 Registration Open for WorkshopParticipants OnlyTime: 11:00 a.m. – 1:00 p.m.Location: Palms Ballroom Foyer

Registration Open for AllConference AttendeesTime: 1:00 p.m. – 6:30 p.m. Location: Palms Ballroom Foyer

Pre-Conference Workshops Begin

ACH 101Time: 1:00 p.m. – 3:00 p.m.Room: Anaheim/Atlanta/BostonTrack: Pre-Conference WorkshopsLevel: Fundamental

This workshop provides novices with an introduction to the ACH Network and theNACHA Operating Rules that they can build upon to maximize their educational experience. Participants gain a foundational knowledge of howthe Network operates, its key attributes and the rolesand responsibilities of those who utilize it.

Debbie Barr, AAP, CTPSenior Director, ACH Network Rules Process,NACHA - The Electronic Payments Association

Gina D. Carter, AAPAVP, Risk Management, EastPay, Inc.

Understanding Payment CardsTime: 1:00 p.m. – 3:00 p.m.Room: Crystal ABTrack: Pre-Conference WorkshopsLevel: Fundamental

Participants in this workshop gain a comprehensiveunderstanding of card-based payments. The work-shop provides insights from the issuing and accept-ance perspectives on types of cards, applications,authorization requirements, and evolving regulatoryand technological factors that impact business decisions.

Paul TomasofskyPresident, Two Sparrows Consulting, LLC

Planning for Disaster RecoveryTime: 1:00 p.m. – 3:00 p.m.Room: Crystal CDTrack: Pre-Conference WorkshopsLevel: Intermediate

Are you confident in your financial institution’sbusiness continuity plans? The FFIEC Guidance onbusiness continuity focuses on IT, but there is moreto disaster recovery and business continuity thantechnology infrastructure. Participants take away achecklist of items to better prepare for an unplanneddisaster or business interruption.

Gary KindleVP, Operations, Elevations Credit Union

Michael SpaffordDisaster Recovery, Business Continuity, EPCOR@mikess1946

Building a Corporate FraudPrevention ToolkitTime: 1:00 p.m. – 3:00 p.m.Room: Crystal EFTrack: Pre-Conference WorkshopsLevel: Intermediate

This workshop provides corporate practitioners with specific tools and practices to identify and prevent fraud. Participants gain insight into liabilityexposure, requirements and responsibilities underUCC 4A and how to implement security measuresinternally and externally.

Jay McLaughlinSVP & Chief Security Officer, Q2ebanking@jaymlaughlin

Shirley A. Banks, AAPElectronic Banking Risk Analyst, Canandaigua NationalBank & Trust

The Legal Structure of PaymentsTime: 1:00 p.m. – 3:00 p.m.Room: Crystal KLTrack: Pre-Conference WorkshopsLevel: Fundamental

The legal framework of payments is comprised oflaws, regulations and private sector rules that workin concert to define obligations and protect partiesto transactions. This workshop provides participantswith an overview of how this framework appliesacross existing and emerging payment methods.

Azba HabibAssociate Counsel, Federal Reserve Bank of Atlanta

Jeanette Hait BlancoSenior Product & Regulatory Counsel, PayPal, Inc.

Richard M. FraherVP & Counsel to the RPO, Federal Reserve Bank of Atlanta

International Payments PrimerTime: 1:00 p.m. – 3:00 p.m.Room: Crystal MNTrack: Pre-Conference WorkshopsLevel: Intermediate

New to international payments? This workshopimmerses participants in the world of global payments. Corporate and financial institution practitioners learn key concepts, terms, principlesand regulatory requirements preparing them to support the business needs of their organizations and customers.

Alan S. KoenigsbergManaging Director, Bank of America Merrill Lynch

Jane HennessyGlobal Banking Consultant

Mobile & Digital PaymentsEcosystemTime: 1:00 p.m. – 3:00 p.m.Room: Crystal PQTrack: Pre-Conference WorkshopsLevel: Fundamental

Mobile and digital payments offer financial institutions, businesses and solution innovatorstremendous opportunity to engage, enable and transact with customers in new ways. As new technologies, risks and players are infused into themix, business models are evolving and customerexpectations and behavior are changing. Relatedbusiness decisions are becoming even more consequential. Participants in this workshop delveinto the burgeoning mobile and digital paymentsecosystem and emerge with a solid understanding of the players, approaches and opportunities uponwhich to learn more.

Stephen MottPrincipal, BetterBuyDesign@stevemott

ACH 201Time: 3:30 p.m. – 5:30 p.m.Room: Anaheim/Atlanta/BostonTrack: Pre-Conference WorkshopsLevel: Intermediate

This workshop builds on content addressed in ACH 101. Participants learn complex concepts andexamine nuances of the NACHA Operating Rules asthey apply to payment origination and receipt, riskmanagement, rules compliance and enforcement,and exception processing.

Kimberly W. Rector, AAPSenior Director, Education, MACHA - The Mid-Atlantic Payments Association

Sean Carter, AAPVP, Risk & Compliance, NEACH@liftingemup

Workshops, Sessions and Special Events



Impact of Proposed Prepaid Access RulesTime: 3:30 p.m. – 5:30 p.m.Room: Crystal ABTrack: Pre-Conference WorkshopsLevel: Fundamental

Rules proposed by the Financial Crimes Enforce-ment Network (FInCEN) seek to combat moneylaundering related to prepaid cards. Participants inthis workshop gain an understanding of what FinCEN is proposing and the potential impact onissuing merchants and cardholders.

Moderator: Terry MaherPartner, Baird Holm LLP

Donald J. MosherPartner, Schulte Roth & Zabel LLP

Liz NuttingSVP, Strategic Partnerships & Network Relations, BofI Federal Bank

ACH Security Procedures on TrialTime: 3:30 p.m. – 5:30 p.m.Room: Crystal CDTrack: Pre-Conference WorkshopsLevel: Intermediate

Using real court cases and other case studies, this workshop puts security procedures on trial. Participants learn to analyze agreements, determinehow they align with NACHA’s ACH SecurityFramework and how courts of law have defined commercially reasonable.

Fred Laing, II, AAP, CCMPresident, Upper Midwest ACH Association

Mary M. Gilmeister, AAP, NCPPresident, WACHA - The Premier Payments Resource

Paul A. CarrubbaPartner, Adams & Reese, LLP

ACH Origination: Effective DueDiligence & OnboardingTime: 3:30 p.m. – 5:30 p.m.Room: Crystal EFTrack: Pre-Conference WorkshopsLevel: Intermediate

ACH origination offers financial institutions lucra-tive opportunities to grow their business. Along withthose opportunities lie the challenges of knowingyour customer and your customer’s customer.Increased scrutiny and evolving threats demand con-stant reevaluation of onboarding of Originators andthird parties. In this workshop, participants explorethe due diligence process and obtain guidance tomake informed decisions.

John M. Curtis, AAP, NCPVP, Director of Education & Communications, Western Payments Alliance

Melissa C. Blair, AAP, CTPVP & Senior Treasury Management Consultant,Umpqua Bank

Product Innovation in a Changing WorldTime: 3:30 p.m. – 5:30 p.m.Room: Crystal KLTrack: Pre-Conference WorkshopsLevel: Fundamental

How do you creatively rethink product innovationto succeed amidst regulatory, technological and cul-tural change? Participants in this workshop experi-ence hands-on training to drive product innovationinformed by customer perspectives and preferences.

Jeff LautererManager, Product Operations, Digital Insight

Kimberly PrietoGroup Manager, Business Development, Digital Insight

Become Fluent in the Language of IATTime: 3:30 p.m. – 5:30 p.m.Room: Crystal MNTrack: Pre-Conference WorkshopsLevel: Fundamental

Does your financial institution fully grasp the intri-cacies of supporting International ACH Transaction(IAT) Entries? Deciphering the NACHA OperatingRules and OFAC regulations is easier than youthink. Participants in this workshop take away an in-depth understanding of the rules related to thereceipt and origination of these ACH transactions.

Priscilla C. Holland, AAP, CCMSenior Director, Healthcare Payments, NACHA - The Electronic Payments Association

Harvesting Big Data for Positive ImpactTime: 3:30 p.m. – 5:30 p.m.Room: Crystal PQTrack: Pre-Conference WorkshopsLevel: Intermediate

Many large organizations use Big Data to drive rev-enue, provide more personalized interactions withcustomers and mitigate fraud. This workshopexplains what Big Data consists of, how to conductexperiments, starting points for usage and the emerg-ing role of data scientists to succeed.

Nick NadgaudaManaging Director, Global Head, Payments, Receivables& Wholesale Cards Technology, Citibank N.A.

Stacy RosenthalBusiness Manager, SWIFT

Workshops Conclude at 5:30 p.m. Enjoy your evening with friends and colleagues. Use the Mobile App to find and meet up with other attendees!

Chairperson's Leadership Reception By invitation only.

Time:5:00 p.m. - 6:30 p.m.Location to be commuicated via invitation.

AAP Reception By invitation only. Time:6:30 p.m. - 7:30 p.m.Location to be communicated via invitation.

Sunday, April 6


SUNDAY

Sponsored by

Sponsored by


Opening General SessionBanking on Artificial IntelligenceLocation: Palms BallroomTime: 8:15 a.m. – 9:15 a.m.

Big data tells a story that links customer behaviorwith business opportunities. However, it is only asgood as its speed to insight. In the payments indus-try, organizations will live and die by their ability totranslate big data into decisive, actionable insightsin the midst of an ever-increasing competitive land-scape, regulatory uncertainty, evolving technologyand constantly shifting consumer behavior. KrisHammond, CTO of Narrative Science, challengesyou to let your data tell your story, think about thedata analysis model of today, and explore how youcan leverage artificial intelligence to create businessopportunities. Kris explains how the next step in theevolution of data analysis – Narrative Analytics – isalready helping companies better understand theirstory, improving compliance processes, providingbetter insight to merchants and customers and generating revenue through new products.

Kristian HammondChief Scientist, Professor, Artificial Intelligence Expert,Narrative Science

CONCURRENT SESSIONS BEGIN

U.S. Smart Card Migration:Ready or Not, Here It Comes!Time: 9:30 a.m. – 10:30 a.m.Room: Crystal GTrack: Card-Based OpportunitiesLevel: Advanced

U.S. debit, credit and prepaid cards are migratingfrom magnetic stripe to EMV smart chip technology.What is the impact on merchants, issuing banks and their card-holding customers? Participants hearfrom a diverse group of panelists on card issuanceand adoption rates along with implications for stakeholders.

Moderator: Claudia S. SwendseidSenior Vice President, Federal Reserve Bank ofMinneapolis

Margot CarterSVP & Senior Product Manager, Bank of AmericaMerrill Lynch

Randy GibbonsManager, Payment Strategies, Southwest Airlines

Rue A. JenkinsAVP, Treasury, Costco Wholesale

Holistically Managing High-RiskOriginationTime: 9:30 a.m. – 10:30 a.m.Room: Crystal HTrack: Risk, Compliance &

Fraud PreventionLevel: Intermediate

Financial institutions make business decisions tooriginate ACH transactions for clients, and it isincumbent on them to conduct appropriate due diligence and related risk management. With whatcould be considered to be high-risk activity, it isimperative that the institution implements a robustand holistic risk management program throughoutthe life cycle that has active involvement and com-mitment across the organization. Participants in thissession learn from the experience of a financial insti-tution that has adopted a holistic approach. Hearwhat constitutes high risk and the types and magni-tude of transactions that give rise to such risks.Understand who needs to be involved and why,what process elements need to be considered, andwhat are potential client showstopper questions.

Moderator: Marcie J. HaitemaSVP, ACH & eCommerce Operations, PNC Bank

Linda HoganVice President, PNC Bank

Norman HarkleroadSenior Vice President, PNC Bank

Real-Time, Rich-Data Payments: The Australian ExperimentTime: 9:30 a.m. - 10:30a.m.Room: Crystal A-CTrack: World Payments ViewpointLevel: Advanced

The world over, four main pressures impact automated payment systems: user expectations forinstant, flexible payments tailored and automated to their diverse needs; regulator expectations forcompetition and innovation as well as safety andefficiency; emerging challenges from alternativechannels; and aging payments network infrastruc-ture. In Australia, a novel response is under con-struction: a “New Payments Platform” built by andfor the payments community that is ubiquitous, yetpromotes competition and diversity in paymentsnetworks and services. This session explores therationale and implications of such a uniqueapproach and why the Australian payments community hopes it will tick all the boxes.

Christopher HamiltonChief Executive Officer, Australian Payments ClearingAssociation Limited

George ThrockmortonManaging Director, Advanced Payments Solutions,NACHA - The Electronic Payments Association

Monday, April 7Registration OpenTime: 7:00 a.m. – 5:30 p.m.Location: Palms Ballroom Foyer

Continental Breakfast Time: 7:00 a.m. – 8:00 a.m. Location: Crystal Ballroom Atrium

Solution Circles Time:7:00 a.m. – 8:00 a.m. Location: Crystal J1

Start your day off right and join industry colleaguesfor breakfast, networking and thought-provokingconversations at these open forum roundtable discussions. Choose from multiple discussion topicsand gain the insight and knowledge of current industry trends. Full conference participants only. Seating is limited. Get involved in the conversation. Use hashtag: #PAYMENTS14SC for the Solution Circles.

Solution Circles topics include:

• Monitoring ACH Risk: What Trends Matter Most

• Steps to ACH Origination: What are the Benefitsfor Credit Unions?

• The Rules & Originators: How Do We Keep itSimple, While Keeping Them Informed

• Data Breaches & Security: What New and Different in Today’s Environment?

• Payments System Improvements: What are theIndustry's Next Steps?

• Virtual Currencies: Are They Here to Stay andWhy Should I Care?

Sessions and Special Events


MONDAY

Sponsored by

Sponsored by


Best Practices in EstablishingAutomated Origination & TrackingTime: 9:30 a.m. – 10:30 a.m.Room: Crystal D-FTrack: Corporate Payments SolutionsLevel: Intermediate

As corporates increasingly electronify paymentsfrom check to ACH, the importance of accurate,automated origination and tracking is vital toachieving straight-through processing (STP). Partic-ipants in this session learn how STP can be achievedthrough the integration of the proper level and typeof payment tracking information, minimizing man-ual reconcilement of exceptions. Best practices foraligning payment reconcilement are shared, as wellas insight on how ERP systems can provide bestpractices that formalize the payment lifecycle.

David RepkingInformation Reporting Product Manager, J.P. Morgan

Laurie WhiteProject Manager, Enterprise Information ServicesApplications, Harris Corporation

Serving the Financially Underserved:The Value PropositionTime: 9:30 a.m. – 10:30 a.m.Room: Crystal K-MTrack: Payments StrategiesLevel: Intermediate

Addressing the needs of the financially underservedholds great potential to benefit such consumers andthe companies serving them. Developing successful,high-quality products depends upon deep consumerknowledge and innovative business models. Partici-pants in this session learn what consumer and indus-try research reveals about the financial behaviorsand preferences of these consumers, as well as thesize and state of the under-banked marketplace. Acase study highlights opportunities, challenges andlessons learned by one of the largest banks and offersan overview of a comprehensive suite of under-banked products.

Deborah Matthews Phillips, AAPDirector, Payments Strategies, Jack Henry & Associates

Eva WolkowitzAnalyst, Insights and Analytics, Center for FinancialServices Innovation

Timothy Thorson, AAP, CTPVP & Manager, ACH Operations, Regions FinancialCorporation

Monday, April 7

Risk Management for MobileRemote Deposit CaptureTime: 9:30 a.m. – 10:30 a.m.Room: Crystal N-QTrack: Mobile Banking & PaymentsLevel: Intermediate

Mobile Remote Deposit Capture is rapidly becominga game changer for financial institutions. However,like with any other payments innovation, it alsoentails certain risks. Participants in this session learnabout the chief areas of concern, applicable rules andregulations, and measures they can take to mitigaterisk and reap the benefits.

Moderator: Kevin Olsen, AAP, NCP, MCSEAVP, Education, IT Manager, EastPay, Inc.

David BrockPresident & CEO, Community Credit Union

Paul PhillipsAttorney, Adams & Reese, LLP

SEPA — The Buzz After ThreeMonths LiveTime: 9:30 a.m. – 10:30 a.m.Room: Grand 9-10Track: World Payments ViewpointLevel: Fundamental

Migration to the Single Euro Payments Area(SEPA), which replaces national schemes with anintegrated and harmonized means of exchangingEuro credit transfers and direct debits has been a toppriority in the European Union for that past decade.Three months after the deadline for full implemen-tation in February 2014, participants in this sessionhear about the initial impact, what remains to beaccomplished and the significance of the schematicto financial institutions and their customers.

Etienne GoosseSecretary General, European Payments Council (EPC)

Michael SteinbachCEO & Chairman, Board of Directors, Equens SE

Automating Healthcare Payments:Updates from an Evolving IndustryTime: 9:30 a.m. – 10:30 a.m.Room: Grand 11-12Track: The ACH Network & the

NACHA Operating RulesLevel: Intermediate

The healthcare industry has experienced a transfor-mation as it transitions to electronic payments andcomplies with the Affordable Care Act (ACA).Against the backdrop of 1.3 billion claims, partici-pants in this session learn about the industry’s reac-tion to the ACA mandates, lingering barriers toadoption, and alternative payment methods used bythe healthcare industry. A large healthcare providershares its experiences and how it is collaboratingwith vendors and financial partners to ensure seam-less electronic payments and remittances.

Erin Richter WeberCORE Senior Manager, CAQH

Mona ReimersDirector, Revenue Services, Ortho NorthEast

Mobile ACH Payments: A Post-Durbin OpportunityTime: 9:30 a.m. – 10:30 a.m.Room: Grand 13-14Track: Payments StrategiesLevel: Advanced

As U.S. financial institutions seek to cultivate newrevenue streams in the post-Durbin world, mobilepayments offer an interesting value proposition.Consumer adoption is growing and merchantenablement is occurring. The ACH Network offersfinancial institutions the opportunity to remain cen-tral to these retail payments and cultivate new, unre-alized revenue. Participants in this session hear howfinancial institutions in the U.S. can apply lessonsfrom abroad to make the ubiquitous and cost-effec-tive ACH system here an even greater source ofvalue to consumers, merchants and their own bottom lines in a mobile world.

Lanny ByersManaging Director, Consult Hyperion@lannybyers


MONDAY


Five Steps to Optimizing Payables &Growing Financial ReturnsTime: 9:30 a.m. – 10:30 a.m.Room: Canary 1-2Track: Corporate Payments SolutionsLevel: Intermediate

The benefits of payables automation are clear, yetonly one in five organizations makes the majority ofits B2B payments electronically. Deploying the rightmix of payment methods, each with their own benefits, ensures maximum efficiency and financialgains. Learn how to develop a strategy for the bestpayables mix for your enterprise in five key steps.

Miguel RodriguezRegional Director, Paymode-X, Bottomline Technologies, Inc.

Wayne ZeilerDirector, Financial and Management Reporting, ITG@WayneZeiler

Deposit Account Takeover: The Legal LandscapeTime: 9:30 a.m. – 10:30 a.m.Room: Canary 3-4Track: Risk, Compliance &

Fraud PreventionLevel: Advanced

Over the past few years, there has been much litigation where businesses sue their financial institutions to recover losses caused by a hacker’stheft of the client’s online credentials, resulting infraudulently originated wire transfers and ACHcredits. Judicial opinions diverge. Participants in thissession hear an examination of the legal theories,significance of judicial outcomes and measures toprotect their institutions from litigation.

Barkley ClarkPartner, Stinson Leonard Street LLP

Mark HargravePartner, Stinson Leonard Street LLP

Refreshment Break and Exhibit Hall Grand Opening Time:10:30 a.m. – 11:15 a.m.

Educational Session in the Exhibit Hall

Customized Relationship SolutionCase Study: Fundtech & MetLifeTime: 10:35 a.m. – 11:05 a.m.Room: PAYMENTS 3D TheaterTrack: Exhibit Hall Education SessionsLevel: Intermediate

MetLife Inc. is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60countries. In 2009, MetLife’s Corporate Treasury and IT teams worked closely with Fundtech’s Service Bureau and its banks to evaluate the benefitsof connecting to SWIFT. In this session hear directlyfrom MetLife about how they worked with Fundtechto further improve their treasury operations. Participants in the session gain an understanding ofwhy the collaboration was successful, how it enabledbetter customer service while allowing for significantcost savings, and how MetLife is now able to reach 2 percent of their banking counter parties.

Robert JacksonSenior Banking Consultant, MetLife


Monitoring for Abusive ACH DebitPracticesTime: 11:15 a.m. – 12:15 p.m.Room: Crystal GTrack: Risk, Compliance &


Historically, the focus on monitoring ACH transactions has been on the ODFI’s debit Originators. However, media and regulatory attention has redirected the spotlight to receivingbanks and their obligations to protect customersfrom unauthorized or abusive payment practices.Participants in this session learn how RDFIs canhelp protect consumer and business account holdersby monitoring received debit transactions, identify-ing trends and taking steps to minimize abusive practices. Recent and ongoing proposals and initia-tives to help RDFIs ensure the continued, positivereputation of the ACH Network are discussed.

Alicia Treadway, AAP, CTPFirst Vice President, Treasury & Payment Solutions,SunTrust Bank

Beth Anne HastingsVice President, J.P. Morgan

Recent Developments in ElectronicPayments LawTime: 11:15 a.m. – 12:15 p.m.Room: Crystal HTrack: The ACH Network & the


Staying abreast of the numerous and often complexdevelopments in the legal and regulatory frameworksurrounding payments can be daunting and under-standing the implications to an organization’s ACHactivities is crucial. Participants in this session areprovided with a review of significant legal issuesraised by current developments in electronic payments law, including recent amendments to the NACHA Operating Rules.

Jane E. LarimerEVP, ACH Network Administration, General Counsel,NACHA - The Electronic Payments Association

Jane K. WinnProfessor of Law, University of Washington

Meeting Small Business CustomerNeeds with an Integrated BusinessBanking SolutionTime: 11:15 a.m. – 12:15 p.m.Room: Crystal A-CTrack: Corporate Payments SolutionsLevel: Intermediate

Small business customers represent significant revenue generation and cross-sell opportunities toadd fuel to grow your financial institution. Targetingthe small business market with the right set of toolsand capabilities gives financial institutions the ability to differentiate their message, pursueuntapped markets and grow revenue as small business owners frequently turn to their financialinstitution for financial management needs. Participants in this session hear about the benefits ofimplementing integrated banking solutions designedto meet the needs of the small business market.

Christine BarryResearch Director, Aite Group

John BalosePrincipal Market Manager, ACI Worldwide

Meggin NilssenVice President, Treasury Management Sales, Bank ofBlue Valley

Monday, April 7


MONDAY

Sponsored by


A B2B Payments Success StoryTime: 11:15 a.m. – 12:15 p.m.Room: Crystal D-FTrack: Corporate Payments SolutionsLevel: Intermediate

Is migration to electronic business-to-business (B2B)payments on your radar? These payments are rapidlygrowing in the ACH Network and many tools nowexist to assist with conversion. Participants in thissession hear how Cox Enterprises partnered with itsbank and trading partners on a recent conversionand gain valuable insight from their experience thatother companies could adopt to eventually tell theirown success stories.

Alan R. Dupree, AAPRetail Payments Director, Federal Reserve Bank of Atlanta@AlanDupreeFRB

Anita S. Patterson, CTPDirector, Treasury Services, Cox Enterprises, Inc.

John A Fabrizio, CTPSVP, Treasury Management Sales Consultant, Wells Fargo@johnfabz

Mash Up at the POS: Transformingthe Retail ExperienceTime: 11:15 a.m. – 12:15 p.m.Room: Crystal K-MTrack: Mobile Banking & PaymentsLevel: Intermediate

Retailers, advertisers, card networks and terminalmanufacturers are investing heavily in changing thecommerce experience, leveraging mobile technol-ogy, POS innovations, and big data based marketingand loyalty solutions. In this environment, financialinstitutions, processors and other traditional playersneed a deep understanding of the changing environ-ment and coherent strategies to compete. Partici-pants in this session gain a deeper understanding ofthe changing retail environment and insights toapply to their respective strategies.

Margaret WeichertPrincipal, Financial Services, Ernst & Young

Supply Chain Fraud NecessitatesAuthentication for EveryoneTime: 11:15 a.m. – 12:15 p.m.Room: Crystal N-QTrack: Risk, Compliance &


A new fraud scheme targets business associates offinancial institution customers. A fraudster com -promises the email account of a vendor and sends alegitimate-looking invoice to a company. The company initiates a payment through a channel thatauthenticates the payer, yet the outgoing payment isnonetheless the result of fraud. These transactionsare difficult to identify as fraudulent until it’s toolate. Participants in this session learn about theexpanding need for authentication, usefulness of relatively low-tech factors to authenticate paymentrequests and use cases for implementing these factors.

Devon MarshSVP, Treasury Management & Internet Services Risk &Compliance, Wells Fargo

Cross-Border P2P: EmbracingChangeTime: 11:15 a.m. – 12:15 p.m.Room: Grand 9-10Track: World Payments ViewpointLevel: Advanced

Many treasurers find cross-border payments confusing, inefficient and expensive, particularlywith new regulatory compliance and associatedcosts. However, these payments carry great opportu-nity, and the key lies in innovation and cooperationamong banks, mature networks and private markets.Learn how global networks can be leveraged in lightof enhanced regulatory focus on consumer protec-tion and the critical importance of form factor forcustomer experience. Hear a unique perspective on how cross-border payments are being enableddownstream through correspondent banking relationships and corporate credit unions. Attendeesare encouraged to share their experiences with cross-border payments.

Jon BuddSenior Vice President, Sales, LendingTools.com

Jorge JimenezDirector, Retail Payments Office, Federal Reserve Bankof Atlanta@JorgeJimenezUSA

Sean Carter, AAPVP, Risk & Compliance, NEACH@liftingemup

Customer Research: Small BusinessOwner Views on Payment OptionsTime: 11:15 a.m. – 12:15 p.m.Room: Grand 11-12Track: Payments StrategiesLevel: Intermediate

Understanding how small business clients view electronic payments is critical successfully engagingthem and influencing their behavior. Get a glimpseinto the minds of small business owners regardingtheir payment practices and how they view newelectronic alternatives in this session. Participantsgain insights from recently conducted in-depth focusgroups on which payment methods small businessowners use and when, emotional ties to paperchecks, the top reasons they would use an e-Checkoption, and how they perceive the “anytime, anywhere” promise.

Christopher ClausenDirector, North American Payments & TransactionalSolutions, Deluxe Corporation

Benefits of Bank Co-OpetitionTime: 11:15 a.m. – 12:15 p.m.Room: Grand 13-14Track: Payments StrategiesLevel: Intermediate

Collaboration is imperative in business, but its benefits do not stop at the individual level. Participants in this session gain a pragmatic view,drawn from real experience and hard facts, of howfinancial institution collaboration and co-opetitioncan deliver transformative value for the involvedinstitutions and their clients. Hear how two financial institutions created a mutually beneficialbusiness case by working together in a way that isdistinct from sourcing solutions from traditional vendors, and how they continue to evolve the governance structure to exceed customer expectations.

Bobby CarneyDirector, Citibank N.A.@bobcar68

Joyce O’ConnorVice President, State Street Corporation@jocpayments

Monday, April 7


MONDAY


Adapting Lessons from RetailPayment Security for CommercialClientsTime: 11:15 a.m. – 12:15 p.m.Room: Canary 1-2Track: Risk, Compliance &


Advancements in financial technology typicallymigrate from retail banking to commercial bankingat a slow but steady pace. The continuing threat ofaccount takeover and the potential for substantialassociated losses have revealed that currently reliedupon solutions are ineffective and that improvementis undoubtedly necessary. Participants in this sessionhear strategies that financial institutions can imple-ment to successfully transition different commercialclient segments to modern payment security solutions, while controlling costs and maintainingstrong customer satisfaction.

Alphonse Pascual, CFESenior Analyst, Security, Risk & Fraud, Javelin Strategy& Research

Chuck RogersVice President, Greenwich Associates

Developing an Open Standard toProtect Customer AccountInformationTime: 11:15 a.m. – 12:15 p.m.Room: Canary 3-4Track: Mobile Banking & PaymentsLevel: Intermediate

In light of the growing threats of cyber attacks anddata breaches, financial institutions and merchantsstrive to ensure sensitive account information issecured and consumer confidence maintained. As customers shift from physical plastic cards towarddigital payments, new approaches are required tosecure against new generations of cybercriminals.This session examines current industry efforts todetect and mitigate against advanced cyber threatsand reviews technologies to protect sensitive consumer account data. Attendees learn about specific initiatives including the cybersecurity partnership and the Secure Token Exchange effort.

David FortneySVP, Product Development & Management, The Clearing House@davefortney

John CarlsonExecutive Vice President, BITS, Financial ServicesRoundtable

Networking Lunch in the Exhibit Hall Time: 12:15 p.m. – 1:30 p.m.


The Payments Map: A Profit PoolsModel for the Payments IndustryTime: 12:45 p.m. – 1:15 p.m.Room: PAYMENTS 3D TheaterTrack: Exhibit Hall Education Sessions

Join experts from GCI, McKinsey’s payments intelligence group, as they lead a discussion aroundthe latest trends in retail payments. This interactivesession will draw on GCI’s proprietary marketresearch, including the most recent ConsumerFinancial Life Survey and the Payments Map model. Taken together, they provide an unmatchedcomprehensive view of the payments industry, withdetails on specific consumer payment habits anddata on volumes, flows, revenues, and costs acrosspayment types. Participants will walk away with anunderstanding of how to use the Payments Map toevaluate strategic payments initiatives, benchmarkindustry volumes and profitability, understand market potential, and hold candid conversationsabout retail payments innovation based on the

latest industry trends.

Aaron CaraherExpert, McKinsey & Company

Evan LongSenior Analyst, McKinsey & Company


Keeping the Bank Account at theCenter of PaymentsTime: 1:30 p.m. – 2:30 p.m.Room: Crystal GTrack: World Payments ViewpointLevel: Intermediate

Payment methods are evolving and prove challenging to financial institutions. As consumerbehavior changes, new players enter the paymentsmarket, and new technologies arise, the paymentsindustry as a whole is undergoing a dramatic shift.This shift threatens the financial institutionsaccount’s hold at the center of payments. If financialinstitutions are not flexible enough to provide theinnovative services that future generations require,bank accounts could lose their relevancy to con-sumers and businesses. Financial institutions need tounderstand the impact that payments convergence,alternative accounts, mobile payments, automatedaccount switching, and real-time payments have onconsumer and corporate expectations, and they willneed to leverage these trends to keep the bankaccount central.

Moderator: Samantha CarrierSenior Director, Advanced Payments Solutions,NACHA - The Electronic Payments Association

Casey H. WilcoxSVP, Head of Payables & International ProductManagement, Capital One

Dr. Leo J. LipisManaging Director, Lipis & Lipis GmbH@llipis

Mary Ann FrancisExecutive Advisor, Wipro, LTD

Monday, April 7


MONDAY

Sponsored by


Strategic Perspectives on Servingthe Unbanked & UnderbankedTime: 1:30 p.m. – 2:30 p.m.Room: Crystal HTrack: Payments StrategiesLevel: Advanced

There are many theories as to why individuals usefinancial institutions versus pawnshops and paydaylenders. The Office of Community Development ofthe Federal Reserve Bank of St. Louis, in conjunc-tion with the Social System Design Lab at Washing-ton University in St. Louis undertook a study tounderstand what decisions made St. Louis house-holds use or not use financial institutions. Partici-pants in this session hear what the study reveals ofhow financial institutions, community members andalternative financial services providers interact inways that seem rational when considered separately,yet together create unintended consequences.

Moderator: Ann-Marie Bartels, AAPChief Executive Officer, EPCOR

Paul WoodruffVP, Community Development, St. Louis CommunityCredit Union

Suzanne HoughCommunity Development Officer, Carrollton Bank,Illinois

Yvonne S SparksAVP & Community Development Officer, FederalReserve Bank of St. Louis

Advancements in Mobile PaymentTechnologies & AuthenticationTime: 1:30 p.m. – 2:30 p.m.Room: Crystal A-CTrack: Mobile Banking & PaymentsLevel: Intermediate

A myriad of technologies have emerged to supportmobile payments including competing technologiessuch as NFC, QR codes and sound wave. Wide-spread adoption is highly dependent on ease of useby all stakeholders. Further complicating the choiceis the imperative to support dynamic authenticationas data security and fraud protection grow to para-mount importance for online transactions. Multi-factor authentication is endorsed by the FFIECguidelines as best practices for risk mitigation. Yet,usability remains a key factor in determining whichmethod of authentication to implement. Partici-pants in this session learn about the latest develop-ments in technologies supporting mobile paymentsand efforts to promote secure transactions usingdynamic authentication.

Moderator: Maria T. ArminioPresident & CEO, Avenue B Consulting, Inc.@marmiABC

Peter TaplingPresident & CEO, Authentify, Inc

Wade EdwardsSenior Vice President, Sales, Mobile AuthenticationCorporation

Virtual Identity, AnonymousPayments & the Shadow InternetTime: 1:30 p.m. – 2:30 p.m.Room: Crystal N-QTrack: Risk, Compliance &


Virtual identity, social media and ubiquitous connec-tivity are reshaping the world and a new paradigm ofperceived anonymity has emerged. This phenome-non is disrupting the financial space globally bychanging relationships and destroying risk modelsthrough the creation of mobile, alternative andoften anonymous, payment systems. While fosteringinnovative and sometimes positive societal change,it can be used by criminal and extremist elements asexemplified by the international dismantling of Lib-erty Reserve. Participants in this session learn howthe good and bad aspects of this new frontier arechanging the payments business, and what it meansto their organizations.

Scott DuewekeDirector, Identities & Payments, Agilex

Smart Approaches to Reach Smart-Enabled CustomersTime: 1:30 p.m. – 2:30 p.m.Room: Grand 9-10Track: Mobile Banking & PaymentsLevel: Intermediate

With an average of 3.5 credit cards plus two otheraccounts, and increasingly equipped with smartmobile devices with numerous payment and com-merce apps, consumers are on the go an ready totransact. To get past the noise of the countless e-Mail offers and mobile alerts, new capabilities sup-ported by the latest versions of the Apple iPhoneand Google Nexus enable merchants to couple Blue-tooth Low Energy with geo-targeting to cut throughthe noise and reach truly “mobile” customers withrelevant, real-time deals. Participants in this sessiondiscover how these innovations can be leveraged togenerate sales for their companies.

Matthew A. GoldmanCo-Founder & CEO, Wallaby Financial@magoldman

Lessons in Disaster Recovery: ACorporate & Financial InstitutionPartnershipTime: 1:30 p.m. – 2:30 p.m.Room: Crystal D-FTrack: Risk, Compliance &


Disaster recovery and business resiliency planningare critical to a company’s risk management strategyand require close cooperation and planning betweena business and its financial institution in the area ofpayments. In 2012 alone, there were several naturaldisasters that affected numerous businesses and citi-zens in the U.S. and across the globe. Participants inthis session hear how one organization planned andexecuted against its disaster recovery plan, learninghow the pieces of the plan came together and how itwas designed to ensure resiliency across internal andexternal clients and employees. Participants gain anunderstanding of how planning played out in thesuccessful deployment of two organization’s businesscontinuity plans.

Adi RavivEVP & CFO, Strategic Funding Source, Inc.

Colleen J. Taylor, CCMEVP, Head of Treasury Management & EnterprisePayments, Capital One

Beyond EMV: Security ThroughAnalyticsTime: 1:30 p.m. – 2:30 p.m.Room: Crystal K-MTrack: Card-Based OpportunitiesLevel: Intermediate

By leveraging multiple sources of data includingdeposit activity, card activity and ATM transactions,high profile card issuers can efficiently and accu-rately pinpoint compromised accounts. Participantsin this session learn how new analytics go beyondEMV to reveal a more comprehensive profile of con-sumer activity. The alternative security approachoffers benefits to financial institutions, merchantsand consumers.

Robert HillVP, Market Strategy, Early Warning Services, LLC

Timothy A. WebbSVP & Director Everyday Banking Fraud Management,RBS Citizens Bank

Monday, April 7


MONDAY


Empowering Customers with Billing,Payment & Usage AlertsTime: 1:30 p.m. – 2:30 p.m.Room: Grand 11-12Track: Corporate Payments SolutionsLevel: Intermediate

Today’s customers demand actionable information attheir fingertips. When billers empower and informcustomers, they can increase customer loyalty andsatisfaction and low-cost behavior. Participants inthis session learn how to deliver relevant billing,payment and usage alerts to customers using theappropriate form of contact at just the right time.

April BinghamCustomer Service Manager, Billing, DC Water

Phil SpradlinProduct Marketing Manager, ACI Worldwide

2014: The Year to Clean UpConsumer Bill PaymentTime: 1:30 p.m. – 2:30 p.m.Room: Grand 13-14Track: The ACH Network & the


Consumer bill payment exceptions (defined as abiller’s inability to properly apply a payment credit toa customer’s account) are bad for customer serviceand they cost the industry nearly $800 million peryear according to a study commissioned byNACHA. Worse, both the volume and the rate ofbill payment exceptions are increasing. The majorityof these exception payments are originated by bank-ing and related third party channels. Over the years,banks and third parties have developed practices tohelp mitigate exceptions, but these typically requirebilateral agreements between the originating andbiller parties and are labor intensive. The purpose ofthis session is discuss the goals and status of a newproposal - the Bill Payment Exception (BPE) Convention - and the opportunity for implementinga standardized industry approach – leveraging theACH Network – to mitigate bill payment exceptions.

Moderator: Robert Unger, AAPSenior Director, E-Billing & Payments, NACHA - The Electronic Payments Association

Brandee BevanDirector, Payment Services, Capital One

Kathy RomanoExecutive Director, Bill Print, Payment & AROperations, Verizon

Steve Hooper, AAP, CTPSVP, Payment Strategy, iPay Solutions

Walking the Fine Line of Innovationin PaymentsTime: 1:30 p.m. – 2:30 p.m.Room: Canary 1-2Track: Payments StrategiesLevel: Intermediate

The payments ecosystem continues to undergo dramatic change. Participants in this session hearhow a solution provider and regional bank view theenvironment as they explore payment innovationsthat have been adopted as well as those on the horizon. Speakers juxtapose the technological possibilities of payment innovation against the operational realities.

John Wilson, CTPVice President, Retail & Commercial Payment Solutions,FIS

Uma Wilson, AAP, CTPSVP & Director, Product Management & Development,UMB Bank, n.a.

State Licensing Issues for ACH-Based Payment ProductsTime: 1:30 p.m. – 2:30 p.m.Room: Canary 3-4Track: Risk, Compliance &


Much of payments innovation is driven by collaborative relationships between technologyproviders and financial institutions. The mereinvolvement of a financial institution in a product isnot sufficient to insulate technology providers fromthe impact of payments regulation, including statelicensing. Care must be taken in structuring productsand relationships so that all parties understandwhere regulatory lines are drawn. Participants in thissession are provided with a review of various modelsfor payments ventures and the implications thesemodels have for regulatory oversight.

David E. TeitelbaumPartner, Sidley Austin LLP

INDUSTRY AGENDAGamifying Financial Services:The Millennials, Gen X &InstitutionsLocation: Palms BallroomTime: 2:45 p.m. – 3:45 p.m.

Everything we know about the financial services industry is about to be turned upside down by the Millennial generation.They’re more concerned with the environment, cost and social impact of everything than ever before, but what they really want is fun and engagement. While we’ve been mining behavioral and econometric data and working hard to improve technology, now we need to consider how to getthe customer of the future off their phones forlong enough to care about finance and the future.The solution: gamification - a powerful newapproach to driving loyalty and engagement thatis changing the financial employee, customer andstrategic landscape with extraordinary speed. Joinauthor and designer Gabe Zichermann for thisfast-paced session that will show you how, whenand why gamification will revolutionize the topand bottom line, and everything in between.

Gabe ZichermannChair, GSummit

Refreshment Break in the Exhibit HallTime: 3:45 p.m. – 4:30 p.m.

Monday, April 7

Sponsored by


MONDAY



How to Improve Your Organization’sSocial Media ProfileTime: 3:50 p.m. – 4:20 p.m.Room: PAYMENTS 3D TheaterTrack: Exhibit Hall Education SessionsLevel: Intermediate

Companies are turning to Twitter, Facebook,LinkedIn and other social marketing platforms tooffer deals, promote products and services, and reachout to customers old and new. But, in the fast-mov-ing internet world can these platforms continue toserve over the long haul, and what will be the nextplatform? Participants in this sessions hear directlyfrom a Social Media Strategist on how the next gen-eration of social media can help foster your organiza-tions profile.

Shannon PaulVP, Social Media, Fifth Third Bank


Data Monetization in the PaymentsIndustryTime: 4:30 p.m. – 5:30 p.m.Room: Crystal GTrack: Payments StrategiesLevel: Intermediate

The payments industry continues to be ripe for dis-ruptive innovation. The ability to monetize datamay be one of the major disruptors going forwardand those who fail to capitalize on this opportunitymay soon be at a disadvantage. Participants in thissession learn about opportunities and challenges forvarious parties holding data, key drivers for success,critical considerations and the potential for monetiz-ing data into discreet revenue streams.

Nathan HiltProduct Director, PwC (PricewaterhouseCoopers LLP

Dimpsy TeckchandaniDirector, PwC (PricewaterhouseCoopers LLP))

Leveraging Mobile to Bring FinancialServices to the UnderbankedTime: 4:30 p.m. – 5:30 p.m.Room: Crystal D-FTrack: Payments StrategiesLevel: Intermediate

Nearly one-third of the American population relieson alternative financial services for check cashing,payday loans, money transfers and similar products.The impact on the consumer has been higher fees,limited access to funds and credit, all of which con-tribute to persistent poverty levels. Participants inthis session learn how one credit union is usingmobile banking and mobile deposit capabilities toprovide access to high-quality financial products andservices to underserved consumers and how mobiletechnology is combating poverty.

Moderator: Andrew TilburyChief Marketing Officer, Bluepoint Solutions

Richard CampbellChief Financial Officer, HOPE Credit Union

Scot SlayVice President & Marketing & CommunicationsDirector, HOPE Credit Union

Increasing Customer Engagement in AuthenticationTime: 4:30 p.m. – 5:30 p.m.Room: Crystal K-MTrack: Card-Based OpportunitiesLevel: Intermediate

Customers’ desires have changed in terms of safetywhen using bank-issued credit or debit cards in virtual channels. Participants in this session explorehow issuers can leverage rewards programs to engagecustomers in authentication in the post-EMV world.Bruce PooreSenior Vice President, Financial Institution Services,CardinalCommerce Corporation

Michael A. Keresman IIIChief Executive Officer, CardinalCommerceCorporation

Monday, April 7

The Gatekeeper ParadigmTime: 4:30 p.m. – 5:30 p.m.Room: Crystal HTrack: Risk, Compliance &


The payments system in the U.S. relies upon finan-cial institutions to serve as gatekeepers. Regulationsand payment system rules require financial institu-tions to know their customers and third parties andwarrant that the payments they introduce areauthorized. Is this paradigm working? After somelevel setting of the current legal and regulatoryregime that is designed to prevent misuse of the pay-ment system, participants in this session hear pan-elists discuss recent media events, regulatory actionsand legislative proposals that suggest the gatekeeperparadigm may not be sufficient. Panelists share theirviews on whether the gatekeeper paradigm needs tobe changed, and if so, how and what the businessand policy implications of such changes would be.

Moderator: Alaina GimbertSVP & Associate General Counsel, The Clearing House

Joe W. HusseyExecutive Director, J.P. Morgan

Monica VacaAssistant Director, Division of Marketing Practices,Federal Trade Commission

Paul K. HolbrookAssociate General Counsel, HSBC Bank USA, N.A.

Richard W. Burke, Jr., CCMEVP, Corporate Products & Services, TD Bank, N.A.

Mobile Bill Payment & Presentment(MBPP) Insights for BillersTime: 4:30 p.m. – 5:30 p.m.Room: Crystal A-CTrack: Corporate Payments SolutionsLevel: Intermediate

Adoption of mobile bill payment doubled last yearand yet only one-third of companies surveyed reporthaving a mobile bill pay strategy. Many billers viewmobile as an enabler of customer self-service,eBilling and bill payment via ACH. With this rapidgrowth in mobile transactions and dynamic techno-logical changes, it requires companies in all indus-tries to understand what consumers want and whatleading firms are providing today and tomorrow. Participants in this session benefit from a discussionof the comprehensive findings from the SecondAnnual Mobile Bill Pay Benchmark Study and theSixth Annual Consumer Household Survey, whichfeature key observations on consumer adoption andactionable insights for biller strategies and deployment.

Edward BachelderDirector, Research, Blueflame Consulting, LLC@EdBtext

Eric LeisersonSenior Research Analyst, Fiserv


MONDAY


The Case for Debit CardRemittanceTime: 4:30 p.m. – 5:30 p.m.Room: Crystal N-QTrack: Card-Based OpportunitiesLevel: Intermediate

The Durbin Amendment has fundamentallychanged the revenue model on interchange forfinancial institutions. The change also brings aboutopportunities to enhance customer payment chan-nels and capabilities. Participants in this session hearthe case for accepting debit card remittance in thenew Durbin world — the hurdles, key assumptionsand ultimate outcomes for adding it as a paymentoption across all customer segments.

Brandee BevanDirector, Payment Services, Capital One

Brett DickeyCard Payment Analysis & Services, Capital One

Ryan CopeExpert, McKinsey & Company

The Changing Face of Cross BorderPaymentsTime: 4:30 p.m. – 5:30 p.m.Room: Grand 9-10Track: World Payments ViewpointLevel: Intermediate

The traditional world of cross-border payments israpidly evolving as regulatory change affects thelandscape in various countries, regions and economic blocks and more consistent best practicesare adopted globally. Participants in this sessionlearn about the dynamics in cross-border paymentstoday and their significance to financial institutionsand their customers in our increasingly inter-connected world.

Kunal BistCross Border Payments Product Manager, North America, Citibank N.A.

The Apps Have It: Accelerating CashFlow for Small BusinessTime: 4:30 p.m. – 5:30 p.m.Room: Grand 11-12Track: Mobile Banking & PaymentsLevel: Intermediate

Getting paid and making payments keep small businesses going. Financial institutions that canmake the process easier can keep payments revenuefrom small businesses in-house and out of the pockets of non-bank competitors. Participants inthis session hear what research tells us about howsmall businesses want to interact with financial institutions and the tools and channels they arelikely to use now and into the future. Learn how tokeep payments bank-centric while speeding up settlement, leveraging loyalty programs and managing receivables and payables from anywhere,at any time.

Brian CollinsSVP, eBanking & Payments Services Director, Enterprise Bank

Vicki O’ConnorVP, Product Management Business Services, Fiserv

Crystal LowSVP, Sales Manager, Treasury Management, Zions Bank

Corporate Priorities for PaymentsTime: 4:30 p.m. – 5:30 p.m.Room: Grand 13-14Track: Corporate Payments SolutionsLevel: Intermediate

Financial institutions and other payment serviceproviders need to understand what their customerswant. Participants in this session hear panelists delve into the top priority issues to provide insightsfor improving existing services and identifyingpotentially new services of value to corporates. Learn what the results of recent surveys and otheractivities indicate about payment priorities from thecorporate perspective. Gain deeper understanding ascorporate practitioners share personal experienceswith current treasury and related initiatives withintheir companies, and offer additional insights into how corporates prioritize their own time inmanaging the bank and vendor.

Moderator: David C. RobertsonPartner, Treasury Strategies, Inc.@globalbanking

Anita S. Patterson, CTPDirector, Treasury Services, Cox Enterprises, Inc.@globalbanking

Daniel W. Ellecamp, AAP, CTPTreasury Consultant, AAA NCNU

Rue A. JenkinsAVP, Treasury, Costco Wholesale

Tips for Cutting Edge ePayments &eRemittance SolutionsTime: 4:30 p.m. – 5:30 p.m.Room: Canary 1-2Track: Corporate Payments SolutionsLevel: Intermediate

Businesses that rely on checks are pleasantly surprised to learn how easy and beneficial it is toswitch to electronic payments and remittance alternatives. Participants in this session hear first-hand from corporate practitioners about decisionsthat improved accounts payable systems, streamlinedcustomer remittances, sped up incoming receipts and resulted in innovative disbursement practices. Case studies outline the actions businesses took andhighlight the lessons they learned, while talkingabout cost and other benefits they realized. Efforts bythe all-volunteer, grassroots Remittance Coalition toovercome barriers and educate B2B trading partnersare discussed.

Moderator: Claudia S. SwendseidSenior Vice President, Federal Reserve Bank of Minneapolis

Carole M. HuntAssistant Treasurer, Director, Ameren Services Center,Ameren Services

Sandra RothManager, Trade Financial Management, Johnson &Johnson

Leveraging the ACH Network forP2P PaymentsTime: 4:30 p.m. – 5:30 p.m.Room: Canary 3-4Track: The ACH Network & the


Person-to-person (P2P) payments offer financialinstitutions solutions that leverage the ACH Network, while expanding the portfolio of servicesthey offer clients. Participants in this session learnthe benefits of offering P2P services, how to mitigaterisk management and security challenges and theWEB credit for ACH P2P payments rule.

Moderator: Kathy Levin, AAPSenior Director, Advanced Payment Solutions,NACHA - The Electronic Payments Association

Louise C. ClynesGroup VP, Money Movement Products & DigitalChannel Management, SunTrust Bank

Terri P. Sands, AAPSVP, Payments Oversight & Fraud Management, State Bank & Trust Company

Monday, April 7


MONDAY



MONDAY

Co-Sponsored by

Monday, April 7

Monday Night CelebrationTime: 6:30 p.m. – 8:30 p.m.

Buses depart in front of the World Center Marriott. Get ready for one of the most anticipated events of the conference—a fun-filled extravaganza that fills four different clubs and takes over the streets of Universal CityWalk® at UniversalOrlando® Resort. Take a trip to New Orleans at Pat O’Brien’s® (hosted by ACI Worldwide) orexplore the home of the king of reggae at Bob Marley–A Tribute to FreedomSM. Enjoy threethemed rooms and a huge dance floor at thegrooveSM and take the stage at CityWalk’s RisingStar (hosted by EastPay). It’s an entire evening offun, food and celebration. This event is open to allconference attendees. Be there! Shuttles will departfrom the Convention Center Entrance at the Marriott, directly across from Registration.

Pat O’Brien’s, Hurricane Glass logo, Have Fun! and Iron Grill Design® Pat O’Brien’s Bar, Inc. © 2014 Pat O’Brien’s Bar, Inc. All rightsreserved. Universal elements and all related indicia TM & © 2014Universal Studios. All rights reserved.

Social Media Tips for PAYMENTS 2014PAYMENTS 2014 is social media friendly, allowing conference goers to connect with one another in person and online. Follow the event hashtag to gain additional insights fromfellow attendees and to stay up to date on the latest conference happenings. And be sure totweet your pictures, feedback and questions to the official PAYMENTS 2014 Twitter account: @NACHA_PAYMENTS

Conference hashtag: #PAYMENTS2014

Conference Twitter account: @NACHA_PAYMENTS

PAYMENTS 2014 LinkedIn group: http://bit.ly/PAYMENTS2014

Sample tweets:

I’m heading to a session about ___________ at #PAYMENTS2014!

I can’t wait to see ____________ speak about ________ today. #PAYMENTS2014

Was so glad to see ___________ at tonight’s #PAYMENTS2014 networking event.


Tuesday, April 8


TUESD

AY

Registration OpenTime: 7:30 a.m. – 5:30 p.m.Location: Palms Ballroom Foyer

Continental BreakfastTime: 7:30 a.m. – 8:00 a.m. Location: Crystal Ballroom Atrium


Are Bank Innovations MeetingSalient Consumer Needs?Time: 8:00 a.m. – 9:00 a.m.Room: Crystal JTrack: Spotlight Speaker SeriesLevel: Advanced

In a candid conversation about retail banking innovation, this distinguished panel takes a criticallook at changes in consumer payments habits, theevolution of electronic payments, and the strategicimplications for banks. The discussion is based oninsights from GCI’s latest survey research trackingconsumer financial behavior and payment habits.The proprietary data goes beyond public informa-tion, is geographically and seasonally adjusted, andincludes timely details on U.S. consumer bill pay-ment methods, economic circumstances, use ofcredit cards, and banking relationships. The latesttrends and true drivers of changes in payment habitscan be derived from this data, providing answers tosuch all-important strategic questions as: Are bankinnovations meeting salient consumer needs? Arethey leading to more profitable customer behavior?How can banks create value through self-servicechannels (mobile banking)?

Moderator: David C. StewartSenior Expert, McKinsey &Company

Robert SteenChief Executive Officer, BridgeCommunity Bank

Dominic VenturoChief Innovation Officer, PaymentServices, U.S. Bank

Using Artificial Intelligence toImprove Your Compliance ProcessesTime: 8:00 a.m. – 9:00 a.m.Room: Crystal HTrack: Risk, Compliance &


Although financial institutions have had fraud andanti-money laundering (AML) control programs inplace for quite some time, they are under enormouspressure to conform to strict regulatory requirements.Of growing concern, for example, is the sheer num-ber of Suspicious Activity Reports (SARs) that mustbe filed in a complete, sufficient and timely manner.This session explores how global financial institu-tions are using artificial intelligence to improve compliance processes, meet regulatory reportingrequirements, and free up scarce resources to focuson strategic investigatory work. Participants hearcase studies of how automated SAR reporting hashelped a large global remittance company acceleratefiling processes and reduce risk, in addition to how acorporate compliance team has been able to identifypatterns of behavior and areas of risk driven by business rules and best practices, leading to improvedemployee and vendor fraud risk management.

Kris HammondChief Scientist, Professor, Artificial Intelligence Expert,Narrative Science

Case Study: Automating Renewalsof ACH Origination AgreementsTime: 8:00 a.m. – 9:00 a.m.Room: Crystal A-CTrack: The ACH Network & the

NACHA Operating RulesLevel: Advanced

Automating renewals of ACH origination agree-ments not only expedites the process significantly, itcan result in an enhanced customer experience,error reduction and better internal and externalaudit reports. Participants in this session learn fromthe experience of a financial institution that hasautomated agreement renewals and is successfullymeeting due diligence requirements to ensure thatOriginators and Third-Party Senders are able to ful-fill their obligations in compliance with theNACHA Operating Rules. Gain an understanding ofthe operational challenges of completing the duediligence process, the steps taken and the lessonslearned in automating the ACH service renewal and the new customer setup process.

Joseph Casali, AAP, NCPVice President, NEACH@jcasali

Ravi VakacherlaFirst Vice President, Treasury Management & DigitalChannels, People’s United Bank

Enterprise Risk Management inToday’s Global Business LandscapeTime: 8:00 a.m. – 9:00 a.m.Room: Crystal D-FTrack: Risk, Compliance &


In today’s world, global-level risk assessment is aconcern for all major organizations – especially thoseinvolved in any form of money movement. A riskprofile that serves as the framework for how key critical risks are identified and managed is critical.Participants in this session receive a holistic view ofan enterprise risk management model and frame-work for global money movement and compliance;encompassing the development process to the iden-tification of risks from operational, legal and compli-ance, information technology, strategy and financialand reporting perspectives.

Kristin S. Walle, AAP, CTPVP, Global Money Movement & Compliance, ADP, Inc.

Whatever You Do, Wherever YouGo Somebody is Watching YouTime: 8:00 a.m. – 9:00 a.m.Room: Crystal K-MTrack: Mobile Banking & PaymentsLevel: Advanced

Security for mobile retail payment models that useNFC, cloud, barcode and hybrid technologies is perhaps the least understood area of security amongparties in the value chain. Examining the transac-tion lifecycle end-to-end offers a holistic way tounderstand the security concerns and measures oneshould consider. Participants in this session gaininsight into the role that all of the parties play in thetransaction as they are lead through various use casesto understand the threats and vulnerabilitiesthroughout the transaction lifecycle, the probabilityof these vulnerabilities and potential mitigations.

Moderator: Susan M. Pandy, Ph.D.Director, Payment Strategies, Federal Reserve Bank of Boston

Javed ChaudryDirector, Global Mobile Payments, Citibank N.A.

Sarab SokheyExecutive Advisor, Verizon Wireless

Sébastien TaveauChief Evangelist, Synaptics, Inc.@frogtwitt


Tuesday, April 8


TUES

DAY

The Intersection Between PaymentRisk Management & BSA/AMLComplianceTime: 8:00 a.m. – 9:00 a.m.Room: Crystal N-QTrack: Risk, Compliance &


In many financial institutions, payment risk management and BSA/AML compliance responsi-bilities are located in different departments. Some ofthese responsibilities, such as KYC and reportingfraudulent transactions are often very similar. Recentactions taken by the OCC and the FDIC highlightwhy financial institutions need to integrate paymentrisk management and BSA/AML compliance func-tions. Attendees will learn how FIs can best coordi-nate these activities to reduce the risk of litigationand financial penalties.

Moderator: Elliott C. McEnteePresident & CEO, Payment Advisory Service

BJ Lewis, CPA, CRCM, CIAVP, Product Development, Laru Technologies

Diane BlangstedSVP, BSA & Senior Compliance Officer, IndependentBankers Bank of Florida

Case Study: Bringing PaymentProcessing Technology Full CircleTime: 8:00 a.m. – 9:00 a.m.Room: Grand 9-10Track: Payments StrategiesLevel: Intermediate

Managing multiple platforms to process differentpayment types can be challenging and costly. Common obstacles include fraud complexity, riskand compliance management, data storage redun-dancy, and cumbersome employee and customertraining. In this session attendees hear how financialinstitution transcended siloes to enable the process-ing of all payment types through a single paymenthub, and how this afforded it redundancy elimina-tion, improved customer service, and a more efficiency use of resources and expertise.

Debbie Smart, CTP, NCPSVP, Product Management, Aptys Solutions

Wendy Stanford, AAPSenior Vice President, Operations, Bankers' Bank

Same Day ACH: Lessons &Perspectives from OtherGeographiesTime: 8:00 a.m. – 9:00 a.m.Room: Grand 11-12Track: The ACH Network & the


Same-Day ACH continues to be debated amongstindustry players in the U.S. as a must-have capabil-ity. As work continues here to make it a reality,experiences from payment systems in other geogra-phies offer lessons that could well serve the U.S.mindset. Participants in this session learn how andwhy other geographies addressed the underlyingneed, the hard decisions that were made, the impacton financial institutions and the national system,and perspectives of financial institution customers.Participants also hear reflections on what being apotentially distant follower means competitively forU.S. in the global payments arena.

Liz OakesPrincipal Advisor, Payments & Transaction Banking,KPMG

Rene PelegeroPresident & Managing Director, RPGC Group LLC

Adoption of ISO 20022 Standards inthe Global Payments Markets: Whatis the U.S. Doing?Time: 8:00 a.m. – 9:00 a.m.Room: Grand 13-14Track: The ACH Network & the


Key global markets are implementing ISO 20022messaging standards in their payments market infra-structures. The U.S. has taken initial steps in usingISO 20022 — e.g., the NACHA InternationalACH Transaction (IAT) format and the Fedwire/CHIPS Extended Remittance Information fields. In2013, the Federal Reserve Banks, TCH, NACHAand ASC X9 funded a business case analysis to assessthe potential adoption of ISO 20022. Hear the con-clusions of this assessment and provide your ownview on the roadmap the U.S. community shoulddevelop when considering adoption of ISO 20022message formats in the payments market.

Richard DzinaSenior Vice President, Federal Reserve Bank of New York

Roy C. DeCicco, CCMManaging Director, J.P. Morgan

Russ WaterhouseEVP, Product Development & Strategy, The Clearing House

Refreshment Break in the Exhibit HallTime: 9:00 a.m. – 10:00 a.m.

Time: 9:05 a.m. - 9:45 a.m.

Visit the PAYMENTS 3D Theater and get introduced to the forward thinking, out-of-the-boxdisrupters who are changing our world. PAYMENTS3D offers a glimpse into the next wave of paymentsindustry innovations and challenges. See demos, askquestions and talk directly to these trailblazers.

Ripple LabsNarrative ScienceSonavation AXISKEY


The Disruptors: Challenging theBanking Status QuoTime: 10:00 a.m. – 11:15 a.m.Room: Crystal GTrack: Payments StrategiesLevel: Intermediate

Financial institutions have more competition nowthan ever before as viable alternatives continue toemerge. New payments and non-bank players arebuilding on top of financial institutions’ investmentsand are threatening to further disrupt the relation-ships financial institutions have with their customersor members. Participants in this session obtain adetailed picture of the disruptors in banking and pay-ments and the impact new entrants are having andhear why disruptive innovations are necessary andcritical to advancing the digital banking status quo.

Gary GreenwaldManaging Director, Digital Money Services, CitibankN.A.

Jacob JegherSenior Analyst, Celent, LLC

Yaron SamidChief Executive Officer, BillGuard


Legal & Regulatory Environment forthe Electronic Payment Order(EPO)Time: 10:00 a.m. – 11:15 a.m.Room: Crystal HTrack: Risk, Compliance &


A critical component of the ongoing industry debate of the potential role of the EPO in the payments ecosystem is anchored in the lack of legaland regulatory clarity. The existing framework ofrules, laws and regulation that govern checks do nottake into account the EPO and the applicability ofthe Electronic Funds Transfer ACT (EFTA) andRegulation E are uncertain. Participants in this session are provided with an examination of thelegal and regulatory environment for the EPO, gaps and concerns in the current framework andprospects for change including legal workarounds.

Moderator: Richard M. FraherVP & Counsel to the RPO, Federal Reserve Bank of Atlanta

Duncan DouglassPartner, Alston & Bird LLP

Stephanie MartinAssociate General Counsel, Board of Governors of theFederal Reserve System

Thomas A. FoxPartner, Schwartz & Ballen LLP

Payments Going Global: Insights intoa Changing LandscapeTime: 10:00 a.m. – 11:15 a.m.Room: Crystal A-CTrack: World Payments ViewpointLevel: Advanced

Changing global payment standards are impactingcorporates around the world. Three industry innovators review global systems and how new payment standards influence innovation. Discussiontopics include BitCoin, XML, SEPA, Global ACHand their rapid integration and dependence uponworld economies. The growth of capabilities enabledby third-party Providers, such as PayPal and Square,along with banks, underscores the need to simplify a complex and changing set of challenges, whichinclude faster settlement time, return item chal-lenges, unlimited right of reversal, and F/X. Participants gain insight into options for executingpayments in the global economy, making themfaster, better and cheaper.

Lisa HraboskyGlobal Core Payments, PayPal, Inc.

Rene PelegeroPresident & Managing Director, RPGC Group LLC

Steven E. BernsteinExecutive Director, ACH/Global ACHMarketing/Product, J.P. Morgan

The Road to eReceivables: FromOutsourced Lockbox to ElectronicPaymentsTime: 10:00 a.m. – 11:15 a.m.Room: Crystal D-FTrack: Corporate Payments SolutionsLevel: Intermediate

TF Cornerstone has made a bold move of bringingits lockbox in-house. Promoting its EBPP offering toincrease check processing efficiency and hasachieved a 50 percent adoption rate. Participants inthis session learn from the speakers’ experience ofimplementing a streamlined strategy that success-fully pushes EBPP adoption, reduces costs andincreases benefits for companies, their customers and financial institutions.

Andrew GersteinSenior Vice President & Treasurer, TF Cornerstone

Laurette DelGuercioChief Marketing Officer, Transactis, Inc.

Laurie OlsonProduct Manager, Wells Fargo

Building the 3D Global ACH PuzzleTime: 10:00 a.m. – 11:15 a.m.Room: Crystal K-MTrack: World Payments ViewpointLevel: Intermediate

As the payments landscape changes and becomesmore global, companies and individuals expect easier, lower-cost and traceable ways to make payments across the globe. Participants in this session learn how assembling multidimensionalpieces can help them overcome challenges andobstacles to achieve global ACH success. Processingmodels, evolving technologies and new entrants to the market that create winning opportunities are examined.

Nancy Atkinson, CCMSenior Analyst, Aite Group@nancyaite

Paula J. RoweVP & Senior Product Manager, PNC Bank

Rossana F. Salaris, AAPDirector, Payment Strategy, Dovetail

Clarifying Third Party Roles &ResponsibilitiesTime: 10:00 a.m. – 11:15 a.m.Room: Crystal N-QTrack: The ACH Network & the


New business opportunities in the ACH Networkhave led to expanded Third-Party Service Providerand Third-Party Sender roles. Today, third partiesare performing roles in ACH processing that werenot contemplated at the time they were firstaddressed in the NACHA Operating Rules, and thereis sometimes a blurring of roles between third partiesand Originators. For example, an entity can be aThird-Party Sender for one set of transactions andan Originator for another set of transactions. Partici-pants in this session learn more about the roles andresponsibilities of third parties in ACH transactionsso that all participants have a common understand-ing of their respective obligations.

Moderator: Pamela T. Rodriguez, AAP, CIA,CISAExecutive Vice President, EastPay, Inc.

Amy Leslie, AAPVP & ACH Product Manager, J.P. Morgan

Suzanne RodmanSVP & Director, Operations, CNLBank

Payments Collection Success Story:A Win/Win PropositionTime: 10:00 a.m. – 11:15 a.m.Room: Grand 9-10Track: Corporate Payments SolutionsLevel: Intermediate

Like their private sector counterparts, governmentalentities seek to solve business problems and realizetangible benefits by adopting electronic collectionssolutions. Participants in this session hear how Johnson County, Kansas implemented a paymentscollection solution to increase efficiency, enhancethe customer service experience and provide con-sumers/taxpayers with payments options. Consumer-facing organizations of various types can adopt andapply lessons and insights from this experience.

Greg BaldwinDeputy Treasurer, Johnson County Kansas

Uma Wilson, AAP, CTPSVP & Director, Product Management & Development,UMB Bank, n.a.

Tuesday, April 8


TUESD

AY


Tuesday, April 8


TUES

DAY

Double Vision: Legal & OperationalIssues Regarding DuplicatePresentmentTime: 10:00 a.m. – 11:15 a.m.Room: Grand 11-12Track: Risk, Compliance &


Duplicate presentment of check items can comefrom a variety of channels and sources and preven-tion of duplicate items, and appropriate strategies foraddressing duplicate presentment, are driven by thelegal framework including the Check 21 warrantyagainst duplicate presentment. Learn how duplicatepresentment can arise and what recourse is availableif a duplicate item is paid. Hear suggestions for pre-vention and detection and thoughts about how tominimize risk to your financial institution.

Angie Smith, AAP, NCPVP, Professional Development Events, WesternPayments Alliance

Erin FonteShareholder, Cox Smith Matthews Incorporated@PaymentsLawyer

Check Up for ACH HealthcareClaim PaymentsTime: 10:00 a.m. – 11:15 a.m.Room: Grand 13-14Track: Payments StrategiesLevel: Intermediate

Provisions of the NACHA Operating Rules to sup-port healthcare payments encourage the use of theACH Network for healthcare claim payments with agoal of driving down costs. Is the rule accomplishingthis objective? Participants in this session learn froma healthcare provider and a financial institution thatovercame barriers and the lessons they learned asthey made the decision to support ACH healthcareclaim payments with insights on reconciling claimpayments from many payers to remittance advices.

Judey L. Thessen, CTPSenior ACH Product Manager, Bank of America MerrillLynch

Kamlesh K. JaniProject Manager, Quest Diagnostics, Inc.

Pay & Play: When Virtual CurrenciesGet RealTime: 10:00 a.m. – 11:15 a.m.Room: Canary 1-2Track: Mobile Banking & PaymentsLevel: Intermediate

Based on extensive research and participation in thevirtual currency industry and with currency regula-tory bodies, this presentation covers the pros andcons of virtual currencies including technology, cus-tomer acceptance and regulatory issues. The presen-tation looks at the history of artificial, non-speciecurrencies and at what is different about Bitcoin andMintChip. The presenters debate pros and cons andgive a forecast of virtual currencies likely growthglobally and in North America.

Edgar RiveraEngagement Manager, Edgar, Dunn & Company

George WarfelDirector, Edgar, Dunn & Company

Next Steps in Active DefenseAgainst Cyber AttacksTime: 10:00 a.m. – 11:15 a.m.Room: Canary 3-4Track: Risk, Compliance &


Financial institutions and financial services industryorganizations continue to adapt the securityapproaches they take in an environment of ever-changing threats. FS-ISAC and NACHA havecooperated with Microsoft and others in the take-down of botnets that have attacked the financialservices industry. Participants in this session learn ofoptions they can take, augmented by discussions ofspecific techniques and examples, to employ activedefense measures that go beyond just defending their perimeters.

Charles BretzDirector, Payment Risk, FS-ISAC

William B. Nelson, AAP, CCMPresident & CEO, FS-ISAC

2014 NACHA PAYMENTSSYSTEM AWARDS LUNCHEON

Making Lemonade: Creating a Competitive Advantage When the Chips Are DownTime: 11:30 a.m. – 1:15 p.m.Location: Palms Ballroom

Sometimes the best ideas come from left field, when we least expect them, and often under challenging circumstances. These days, we are constantlymoving into uncharted waters. Even the bestplans can unravel in an instant. Our definingmoments happen when life goes off course. In this presentation, Anat Baron explains howmaking lemonade is about the choices you makewhen life takes a turn in an unexpected direc-tion. An innovative leader, Baron has workedwith top tier brands including Four SeasonsHotels, Holiday Inn, KLM, CBS, Warner Bros.and Conde Nast. She was also a Hollywoodexecutive, a management consultant and a successful entrepreneur. She is currently theFounder and CEO of StashWall, a technologystartup that provides one place for curating andorganizing people's information, memories, andbelongings. This disruptive company will belaunching to the public in early 2014.

Anat BaronFounder & CEO, StashWall

Lunch service will not be provided for individuals who arrive after 12:00 p.m., but you may still enjoy the speaker.

Sponsored by



Playing in the InternationalPayments SpaceTime: 1:30 p.m. – 2:30 p.m.Room: Crystal GTrack: World Payments ViewpointLevel: Advanced

Rapid globalization and the shift from paper to electronic payments are factors driving increaseddemand for global payments, which has concurrentlycreated more international standards and regula-tions. The rising demand provides opportunities aswell as challenges for organizations that participatein the international payments arena. Participants inthis session gain insight into global payments trendsbased on research and statistics gathered by theWorld Bank, as well as the motivators and experi-ences of a financial institution and a money serviceprovider transacting international payments.

Moderator: Nell Campbell-Drake, AAPVice President, Federal Reserve Bank of Atlanta

Maria ChimientiPayment System Specialist, The World Bank

Paul DwyerChief Executive Officer, Viamericas Corp.

Timothy Schmidt, AAPVP, Electronic Payments, U.S. Bank

Same-Day ACH in the U.S.: Defininga Ubiquitous Capability for the ACH NetworkTime: 1:30 p.m. — 2:30 p.m.Room: Crystal HTrack: The ACH Network & the


Faster payments is a key attribute of the future ACHNetwork, according to NACHA’s ACH Blueprint of2012, and is also a desired outcome of the 2013 Federal Reserve’s Payment System Improvement –Public Consultation Paper. NACHA has conductedextensive work over the past year to define theparameters and requirements of a ubiquitous, same-day capability for the ACH Network that enablesfinancial institutions large and small to providevalue to their end-users. Participants in this sessionlearn about the new approach NACHA is advanc-ing as it is examined from different perspectives.

Moderator: Dr. Leo J. LipisManaging Director, Lipis & Lipis GmbH@llipis

Janet O. EstepPresident & CEO, NACHA - The Electronic PaymentsAssociation

Anita S. Patterson, CTPDirector, Treasury Services, Cox Enterprises, Inc.

William J. SchochPresident & CEO, Western Payments Alliance

Christopher Ward, CCMExecutive Vice President, Head of Product Management,PNC Bank

Confirming Identity Through aMultidimensional PrismTime: 1:30 p.m. – 2:30 p.m.Room: Crystal K-MTrack: Risk, Compliance &


Accurately verifying identities is one of the biggestchallenges facing the financial services industry.With faceless virtual transactions now the norm,that challenge will only intensify. Innovativeapproaches that leverage multiple data sources offerfinancial institutions new capabilities to incorporateinto their risk management arsenals. Participants inthis session learn how one major institution isexploring a solution that quickly cross-referencesgovernment identity data, telecommunication location files and checking account data to create athree-dimensional resource that can accurately confirm a customer’s identity, their location and how they transact.

Cory DavisVP, Corporate Development, Early Warning Services,LLC

Dan CoveyVP, Operational Risk, Wells Fargo

The Effects of Regulation on Virtual& Digital CurrenciesTime: 1:30 p.m. – 2:30 p.m.Room: Crystal N-QTrack: Risk, Compliance &


Virtual and digital currencies are gaining popularityamong consumers in certain contexts. As they operate outside of traditional monetary and regulatory regimes, they also pose questions andchallenges. Participants in this session learn aboutthe differences between virtual currency and newlyemerging digital currency, and hear whether, howand why both should be regulated, as well as theconsequences of regulation. In addition, participantsgain an understanding of how virtual currency issneaking into the payments ecosystem and what’sbeing done about it.

Moderator: Douglas A. KingPayments Risk Expert, Federal Reserve Bank of Atlanta

Adam ShapiroDirector, Promontory Financial Group, LLC

Gideon SamidChief Technology Officer, BitMint@Giddon

Marc BrûléChief Emerging Payments Officer, Royal Canadian Mint

Tuesday, April 8


TUESD

AY

Driving ACH Adoption in SmallBusinessesTime: 1:30 p.m. – 2:30 p.m.Room: Crystal A-C Track: The ACH Network & the


Small businesses represent a ripe and under-tappedgrowth area for financial institutions. Still heavilyreliant on checks and acting like consumers in manycases, small businesses are a critical target to growACH origination business lines and other financialservices. Participants in this session hear the findingsof recent studies benchmarking ACH use amongsmall businesses as well as strategies to increase useof ACH in this important, but largely underservedcustomer segment.

Moderator: BC KrishnaPresident & CEO, MineralTree, Inc.@bckrishna

Claudia S. SwendseidSenior Vice President, Federal Reserve Bank ofMinneapolis

George ThrockmortonManaging Director, Advanced PaymentSolutionsNACHA - The Electronic PaymentsAssociation

How Consumers Use MobileFinancial Services & Why It MattersTime: 1:30 p.m. – 2:30 p.m.Room: Crystal D-FTrack: Mobile Banking & PaymentsLevel: Intermediate

Taking the time to put a face on potential users ofmobile financial services can lead to more useful andusable products. Understanding the various types ofconsumers and how they access and use financialservices is critical to a successful strategy. Partici-pants in this session gain insights into the productattributes needed to better serve customer segmentsin a multi-channel, multi-device world, in whichconsumers shift from channel to channel and device to device.

James WesterResearch Director, Financial Insights, an IDC Company

Steve ShawVP, Strategic Marketing, Fiserv


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Busting Fraud Rings with Social LinkAnalysisTime: 1:30 p.m. – 2:30 p.m.Room: Grand 9-10Track: Risk, Compliance &


Entity resolution and social network analysis havegained popularity in recent years as means to under-stand the relationships between an organization, itscustomers, various events and third-party actors. Inthis session, participants hear how industry innova-tors can combine these methods with big data andsocial link analysis to proactively identify fraud ringsrelationships and their biggest vulnerabilities —shared identity information.

Michael BetronDirector, Product Management, FICO

TJ HoranVice President, Product Management, FICO

Future of B2B PaymentsTime: 1:30 p.m. – 2:30 p.m.Room: Grand 11-12Track: Corporate Payments SolutionsLevel: Advanced

Automating business-to-business payments remainsillusive. Though small businesses make up morethan 50 percent of trading partners, checks are stillused to make large dollar payments . The vision forstraight-through processing of both the data and thepayment among business partners has been clear.This session tracks progress, explores remainingpotential obstacles, and offers ideas for creating aprocess that is efficient and effective for both payersand payees. Participants hear from industry leadersabout perspectives on approaches that are leadingthe way for such interoperability and adoption, andmarket forces that are shaping how corporates sendand receive payments.

Flint A. LaneChief Executive Officer, Billtrust@FlintLane

Glenn Fromer, CPADirector of Development, Treasury Software Corporation

Mary Zerjav, AAP, CTPSenior Product Manager, BNY Mellon

Profitably Serving the UnprofitableConsumerTime: 1:30 p.m. – 2:30 p.m.Room: Grand 13-14Track: Card-Based OpportunitiesLevel: Intermediate

How do you profitably serve customers who havelow average balances, require frequent access to cashand demand real-time account access? Participantsin this session learn how to find profit in such cus-tomers through innovative prepaid card solutions.

Moderator: Kirsten TruskoPresident & Executive Director, NBPCA

Anu ShultesGeneral Manager, Prepaid Telecom & FinancialServices, Blackhawk Network

John HagyChief Legal Officer, MetaBank

Trent SorbePresident & CEO, FirstView, LLC@etsorbe

Account Validation: A Vision for aBrighter TomorrowTime: 1:30 p.m. – 2:30 p.m.Room: Canary 1-2Track: The ACH Network & the


Originators, ODFIs and RDFIs have a staked interestin ensuring that accurate DDA information is usedfor ACH payments. However, Originators andODFIs rely heavily on data provided by consumerswhile RDFIs are limited in their ability to determinevalid requests. In some cases the account informa-tion provided is inaccurate, incomplete or may befraudulent. This results negatively on ACH Networkquality and risk management. Participants in thissession gain an understanding of the benefits andchallenges associated with current account valida-tion methodology and hear Network stakeholdersdiscuss a vision for a brighter tomorrow filled withmore efficient, cost-effective and timely options forvalidating consumer DDA information.

Jennifer L. Zatkos, AAPVice President, M&T Bank

Kevin ClapperAVP, Banking Services, T. Rowe Price Associates, Inc.

Timothy Mills, AAPVice President, Executive Director, The Clearing House

Paying to Win: Sound BusinessPractices in Electronic PaymentsTime: 1:30 p.m. – 2:30 p.m.Room: Canary 3-4Track: Corporate Payments SolutionsLevel: Advanced

Companies are increasingly turning to electronicpayments to increase efficiency. However, inappropriate program setup may negatively impactaccounts payable and receivables processing andundercut desired outcome. In this session, partici-pants learn how to maximize efficiency gains andrealize intended results in their companies frominsights on proprietary research and best practices.

Laura J. Listwan, AAP, CTPSenior Vice President, U.S. Bank

Refreshment Break in the Exhibit HallTime: 2:30 p.m. – 3:15 p.m.

Time: 2:35 p.m. – 3:15 p.m.

Visit the PAYMENTS 3D Theater and get introduced to the forward thinking, out-of-the-boxdisrupters who are changing our world. PAYMENTS3D offers a glimpse into the next wave of paymentsindustry innovations and challenges. See demos, askquestions and talk directly to these trailblazers.

PaydiantFinovera, Inc. iMobile3



What’s Next for P2P: Today’sLessons for the FutureTime: 3:15 p.m. – 4:15 p.m.Room: Crystal JTrack: Spotlight Speaker SeriesLevel: Advanced

Since forming the clearXchange joint venture, WellsFargo, Bank of America and J.P. Morgan have gatheredcustomer insights that have transformed person-to-person (P2P) payments. Branded by each bank, the P2Pcustomer experience has become more seamless, easyand secure. With only an email or mobile number, customers can send and receive money. Participants gaininsights into the clearXchange approach and how it ismoving beyond today’s traditional payments mindset tomeet higher customer expectations. Learn how it is positioning its P2P experience to solve customer painpoints on the competitive payments playing field.

Michael KennedyCo-Founder & CEO,ClearXChange

Jim ReuterPresident, Support Services,FirstBank

David GodsmanOnline & Mobile SolutionsExecutive, Bank of America

Legal & Regulatory Perspectives onStop PaymentsTime: 3:15 p.m. – 4:15 p.m.Room: Crystal GTrack: Risk, Compliance &


Recent reports from the New York Department ofFinancial Services (NYDFS) and the ConsumerFinancial Protection Bureau (CFPB) indicate thatsome banks are still not honoring stop paymentorders, many of which are submitted in connectionwith the persistent problem of unfair and illegal payday lending. In this session speakers discuss theconsumer perspective, processes to honor stop pay-ment orders and the technical challenges they face,and what is required by rules and regulations. Participants gain an understanding of what isrequired to comply with regulations and theNACHA Operating Rules, how to provide a goodexperience for their consumer customers, andinsights on how the ACH Network can avoidincreased attention from regulators and legislatorsand ultimately enhance consumer protection fromunscrupulous Originators.

Moderator: Jane E. LarimerEVP, ACH Network Administration, General Counsel,NACHA - The Electronic Payments Association

Alaina GimbertSVP & Associate General Counsel, The Clearing House

Timothy Thorson, AAP, CTPVP & Manager, ACH Operations, Regions FinancialCorporation

Preparing For Tomorrow’s AML &Terrorist Financing ChallengesTime: 3:15 p.m. – 4:15 p.m.Room: Crystal A-CTrack: Risk, Compliance &


The days of money launderers and terrorist financersoperating out of brick-and-mortar structures arenearly over. Today, these criminals operate in virtualenvironments and are often part of technologicallysophisticated, global crime rings that use large datasets to ply their trade. Participants in this sessionreceive an assessment of the challenges we face nowand what tomorrow’s threats will look like, and learnhow big data and advanced analytics are successfullybeing deployed to help the financial industry betteridentify these rapidly evolving threats.

Chris SweckerSecurity Consultant & Former Executive Director of theFBI, Consultant

Glen SgambatiChief Data, Risk & Security Officer, Early WarningServices, LLC

EMV: On Track for U.S. MigrationTime: 3:15 p.m. - 4:15 p.m.Room: Crystal D-FTrack: Card-Based OpportunitiesLevel: Intermediate

Recent merchant data breaches have increased discussion both inside and outside the industryaround security and the value EMV brings to consumers, merchants and financial institutions.Simply put, the time to migrate to EMV is now.Plans for both issuers and merchants across theUnited States are accelerating to deliver on theroadmaps published by the major networks. This migration in other countries has been most successful and productive when stakeholders acrossthe market move in concert to further strengthenthe security of electronic payments. The U.S. is nodifferent, with all parties having been collaboratingand moving toward this migration for the past twoyears. The U.S. migration can continue to beinformed by global case studies and U.S. implemen-tations completed to-date. This session providesattendees with an understanding of the progress to-date, challenges remaining and consumer attitudeson overall payment security.

Carolyn BalfanyGroup Head, U.S. Product Delivery, MasterCardWorldwide

Finding Order in Chaos: The LegalEnvironment of CardsTime: 3:15 p.m. – 4:15 p.m.Room: Crystal K-MTrack: Card-Based OpportunitiesLevel: Intermediate

The payment card marketplace seems to be in constant flux due to an ever-changing legal land-scape. Court challenges to long-standing paymentnetwork rules and the Federal Reserve Board’s regu-lations implementing the Durbin Amendment havesignificantly altered card-based payments. Coupledwith impending CFPB rules regulating prepaid cards,these developments have continued uncertainty inthe near future. Participants in this session gain anunderstanding of what such turmoil could mean totheir business lines.

Duncan DouglassPartner, Alston & Bird LLP

Tuesday, April 8


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International Payments Framework(IPF) Association’s Path into theFutureTime: 3:15 p.m. – 4:15 p.m.Room: Crystal N-QTrack: World Payments ViewpointLevel: Intermediate

IPF-based credit transfers between the U.S. andEurope have become daily routine for both FedGlobal® and Equens for more than three years.Soon it will be time to increase the number of countries involved in such credit transfers based onIPF rules and standards, which would in turnincrease the number of transactions executed globally. Participants learn about the developmentsof IPFA in the last two years as well as future projects that are currently in the pipeline.

Moderator: Manfred SchuckHead of Marketing, International Payments FrameworkAssociation

Daniel LeducAccount Manager, International Banking, DesjardinsGroup

Joaquim KavakamaCEO, Camara Interbancaria de Pagamentos - CIP

Michael SteinbachCEO & Chairman, Board of Directors, Equens SE

Mobile Wallets & Payments: Yes? orNot Yet?Time: 3:15 p.m. – 4:15 p.m.Room: Grand 9-10Track: Mobile Banking & PaymentsLevel: Intermediate

The next big thing in payments seems to changedaily. The proliferation of new payment channelsand ongoing emergence of non-bank competitors aretransforming how consumers manage and spendmoney. Rolling out next generation mobile financialservices is a great way to better serve customers, butactually delivering and supporting these servicescomes with a set of complex considerations. Partici-pants in this session hear of the latest developmentsand most in-demand mobile capabilities and howfinancial institutions are contending in this environment of change and choices.

Moderator: Ginger SchmeltzerSenior Vice President, Fiserv

Jeff DennesHead of Digital, SunTrust Bank

Paul AmisanoVP, Electronic Money Movement & EmergingPayments, BB&T@pamisano

The Next Generation of ACHAuthenticationTime: 3:15 p.m. – 4:15 p.m.Room: Grand 11-12Track: The ACH Network & the


The ability to confirm that an individual initiatingan ACH payment is actually authorized remains amajor challenge for the financial services industry.Fraud continues to escalate and regulators are askinginstitutions to develop solutions that outperform traditional and outmoded authentication methods,such as screen-scrapes and trial deposits. Participantsin this session hear from panelists who discuss new,cutting-edge, real-time methods they use to authen-ticate ACH transactions, reduce losses and keeptheir institutions compliant.

Christopher HuppertSenior Vice President, Wells Fargo

Laura WeinflashVP, Market Strategy, Early Warning Services, LLC

Smart Routing: Why Corporates &Financial Institutions Should WorkTogetherTime: 3:15 p.m. – 4:15 p.m.Room: Grand 13-14Track: Corporate Payments SolutionsLevel: Intermediate

The U.S. payments industry has been talking aboutleast-cost routing or “smart” routing within an inte-grated payables solution for a while, but at this pointit’s still mostly talk. Most corporate customers todayidentify the payment types used for their disburse-ments prior to sending them to their financial insti-tution. The financial institution then accepts thatidentification and routes appropriately to the properpayment clearing system. Participants in this sessionhear from both sides of the coin to inform their own perspectives and gain insights on how to make it a reality.

Elena Whisler, AAPDirector, Product Management, Clear2Pay Americas

Janice WoesteSenior Treasury Manager, Bob Evans

Scott BellomoSenior Vice President, PNC Bank

Managing Risk & Minimizing FrictionTime: 3:15 p.m. – 4:15 p.m.Room: Canary 1-2Track: Risk, Compliance &


Assessing and managing risk is a universal component of a successfully run business. While all organizations seek to identify and mitigate individual risk elements, few institutions have elevated their approach to the enterprise level. Participants in this session are provided with anexamination of the components of a successfulenterprise risk management (ERM) program fromthe perspective of two financial institutions and an experienced regulator.

Donald S. Jackson, AAP, CTPSVP & Senior Product Manager, First Tennessee Bank

Judy D. LongEVP & COO, First Citizens National Bank

Tony DaSilva, AAPSenior Examiner, Federal Reserve Bank of Atlanta

The Payments Revolution: The Roleof Non-BanksTime: 4:30 p.m. – 5:30 p.m.Room: Crystal GTrack: Mobile Banking & PaymentsLevel: Intermediate

Non-bank providers are clearly not new to the payments area, but they are increasingly leveraginginnovative technologies and evolving consumerpreferences and behavior in new ways to redefinethe playing field. Participants in this session hear thelatest assessment of who is revolutionizing themobile payments space and how, as they lead therelentless march to a checkless and cashless future.

Kevin H. ConnellyExecutive Vice President, The RWC Group


Consumer Regulatory Impact onYour Commercial BusinessTime: 4:30 p.m. – 5:30 p.m.Room: Crystal HTrack: Payments StrategiesLevel: Intermediate

Numerous consumer regulations affect the paymentsindustry, but little attention is paid to their impacton the commercial payments area. Participants inthis session hear from experts versed in consumerand corporate payments as they explore strategies fordealing with the commercial payments implicationsof ADA, Regulation E and Remittance TransferRule compliance, as well as regulation relating topayroll cards, merchant processing and record retention.

Casey H. WilcoxSVP, Head of Payables & International ProductManagement, Capital One

Scott FryzelPartner, Chapman and Cutler LLP

Navigating Canadian PaymentsRegulationTime: 4:30 p.m. – 5:30 p.m.Room: Crystal A-CTrack: World Payments ViewpointLevel: Intermediate

At $617 billion in annual trade between the U.S.and Canada, navigating the regulatory terrain northof the border is critical to financial institutions andcompanies enabling or making cross-border pay-ments in support of this economic activity. Partici-pants in this session learn about the regulatoryregime and key developments in Canada, includingthe regulation of cross-border payments, Canadianprivacy legislation, sanction laws and new anti-money laundering requirements.

Jacqueline Dawn ShinfieldPartner, Blake, Cassels & Graydon LLP

Regulatory Change Management forCommunity Banks & Credit UnionsTime: 4:30 p.m. – 5:30 p.m.Room: Crystal D-FTrack: Risk, Compliance &


Managing regulatory change and demonstratingcompliance given the current regulatory environ-ment has become a full time job for large financialinstitutions. How are community banks and creditunions, which generally have more limited systemsand compliance resources, supposed to be able to dothe same thing? The influx of new rules, federalrequirements and ongoing activity in many state legislatures has made achieving and demonstratingcompliance more complex. Participants in this session hear the critical issues, how to track andimplement, and what resources are available to help manage change.

Stephanie B. Simmons, AAP, CTPTreasury Services Director, The Bank of Tampa

Steven Vaglio, AAPSVP, Member Services and Marketing, EastPay, Inc.

Can eCash & Virtual CurrencyCompete with Other ElectronicPayments?Time: 4:30 p.m. – 5:30 p.m.Room: Crystal K-MTrack: Payments StrategiesLevel: Intermediate

Could digital currencies like MintChip and Bitcoinsupplant other electronic payments? Participants inthis session hear from a panel of experts as theyexamine the past, present and future of digital cur-rency, differences between digital currency and e-cash, and legal and regulatory challenges. Under-stand what is a happening today and what it mightmean for your future and that of your enterprise.

Carol R. Van CleefPartner, Manatt, Phelps & Phillips, LLP

Dr. Oz ShySenior Economist, Consumer Payments ResearchCenter, Federal Reserve Bank of Boston

Jeremy AllaireFounder, Chairman & CEO, Circle Internet Financial

Financial Data Security: LessonsLearned from Higher EducationTime: 4:30 p.m. – 5:30 p.m.Room: Crystal N-QTrack: Risk, Compliance &


It’s a fast paced world in the fraud industry. Hackereyes are on your organization’s mobile devices, com-puters, servers and networks. Have your financialdata security policies and procedures kept up withthe technology changes? Financial data security is aresponsibility for all of us. Participants in this sessionreceive a broad review of security measures and learnlessons they can apply from the scary stories ofattempted fraud affecting higher education.

Patricia ReidAssociate Treasurer, Cash Management & Operations,Columbia University

Ruth A. Harpool, AAP, CTPManaging Director, Treasury Operations, IndianaUniversity

The Value of Corporate MobileBanking ServicesTime: 4:30 p.m. – 5:30 p.m.Room: Grand 9-10Track: Mobile Banking & PaymentsLevel: Intermediate

While not yet mainstream, increasingly banks needto institute corporate mobile banking as a service toattract and retain cash management business. Participants in this session learn about the valueproposition mobile banking offers corporate treasuryprofessionals through use cases that demonstrateproductivity improvements and new solutions toexisting business challenges. Insights are providedfrom recent studies including a survey of the top 50U.S. banks and a global study of banks’ corporatemobile initiatives.

Christine BarryResearch Director, Aite Group

Howard N. Forman, AAPHead of Online Treasury Management Solutions, PNC Bank

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Mobile Bill Payments with QR BillTime: 4:30 p.m. – 5:30 p.m.Room: Grand 11-12Track: Mobile Banking & PaymentsLevel: Intermediate

EMV, NFC and SMS standards are the future ofmobile payments, but QR (Quick Response) codesrule the here and now, especially for point-of-salemobile transactions. In light of the opportunity,NACHA recently issued the QR Bill Guidelines,which establish a single QR code format to helpconsumers wherever they view and pay bills, provid-ing a bridge from paper to mobile payments. Thissession focuses on a NACHA-led industry evalua-tion of the Guidelines and investigates how todevelop a market for mobile payments leveragingQR standards. Participants also have an opportunityto hear different perspectives from billers, banks andservice providers on the implementation of the QR Bill.

Moderator: Robert Unger, AAPSenior Director, E-Billing & Payments, NACHA - The Electronic Payments Association

Karen L. Shahoian, AAP, CCMVP, Digital Payments, Bill Pay & P2P Senior ProductManager, Wells Fargo

Kathy RomanoExecutive Director, Bill Print, Payment & AROperations, Verizon

Trevor DixonGeneral Counsel & Company Secretary, BPAY@TrevorPDixon

Winning the Mobile Bill PaymentsGameTime: 4:30 p.m. – 5:30 p.m.Room: Grand 13-14Track: Mobile Banking & PaymentsLevel: Intermediate

Whether mobile wallets or contactless payments,everyone is looking for the next best move in mobilepayments. While technology is promising to up thegame, how are consumers truly behaving? What isactually working today? Hear when, where and howmobile bill payments are currently gaining momen-tum in this session. Gain ideas for bolstering yourown mobile offense through examples of companiesthat have made the mobile bill payment leap andlearn how to deliver a comprehensive mobile billpayment strategy that can deliver big wins.

David ShapiroSVP, Payments, Western Union Payments

John Sutphin, Jr.Director, Finance, Piedmont Natural Gas

Tuesday, April 8

Target RedCard: Success in GrowthTime: 4:30 p.m. – 5:30 p.m.Room: Canary 1-2Track: The ACH Network & the


Join Mark Schultz, Senior Manager at Target Finan-cial and Retail Services, as he recounts the success ofthe Target brand in the payments space. Involved indriving company strategy as far back as the launch ofTarget.com in 1999, Mark has been instrumental inthe growth of the innovative Financial Services divi-sion. Target is now one of the world’s largest issuersof gift cards and its popular RedCard program nowoffers both debit and credit card options. Partici-pants in this session will learn why Target decided toleverage the ACH Network and how offering cus-tomers alternative payment methods became a keypart of Target’s customer loyalty strategy.

Mark SchultzSenior Group Manager, Product Design, TargetCorporation

Enterprising Innovators SeeDisruptive Value in ACHTime: 4:30 p.m. - 5:30 p.m.Room: Canary 3-4Track: The ACH Network & the


While other payment methods have been perceivedby some as being better suited to support mobile payments than ACH, the market is changing. The ACH Network possesses several critical attributes that differentiate it from other systems and enable enterprising innovators to change thegame. Participants in this session hear how mobilepayments are being disrupted by those who are leveraging the ACH Network in new ways to benefit consumers and merchants with its ubiquityand flexibility.

Adam FrischPresident, BIM Networks

Aydin KadasterCOO, BIM Networks

Tuesday Evening Reception in theExhibit HallTime: 5:30 p.m. – 7:00 p.m.

Take advantage of this last opportunity to makethose critical connections that will help propel yourorganization into a profitable future. Enjoy thisreception surrounded by cutting-edge technologyproviders, payments service experts and organiza-tions poised to offer the solutions you seek in thisdynamic exhibit hall.

Time: 5:35 p.m. – 6:50 p.m.

Visit the PAYMENTS 3D Theater and get introduced to the forward thinking, out-of-the-boxdisrupters who are changing our world. PAYMENTS3D offers a glimpse into the next wave of paymentsindustry innovations and challenges. See demos, ask questions and talk directly to these trailblazers.

BIM Networks IBMACI


Wednesday, April 9

Post Payment System (PPS):Payment Integrity’s NextGenerationTime: 9:45 a.m. – 10:45 a.m.Room: Crystal HTrack: The ACH Network & the


The Bureau of the Fiscal Service (legacy FinancialManagement Service) is embarking on a multi-yearmodernization of key exception processes handledby RDFI’s that receive Federal Government pay-ments. In this session, participants learn about PPS’business process reengineering efforts that strive toimprove the integrity of ACH reclamations, ACHnon-receipts, Notifications of Change and more.The session also includes an overview of PPS’ capa-bilities in combating fraud, case management andcentralized communication between Federal Agen-cies and the financial community. The session pro-vides awareness of impacts, timing and benefits ofPPS, and how your organization can have a voice in its development.

Lisa M. Andre, AAPDeputy Project Manager, PPS, U.S. Department of theTreasury, Fiscal Service

Matthew Helfrich, AAPSenior Program Analyst, U.S. Department of theTreasury, Fiscal Service

Wesley JohnsonDeputy Director, U.S. Department of the Treasury,Fiscal Service

Top Ten Risk Management Strategiesfor New Product InnovationTime: 9:45 a.m. – 10:45 a.m.Room: Crystal A-CTrack: Risk, Compliance &


Advances in new payment innovations and thepressure to increase revenues have spurred anincrease in new consumer product development andimplementation. The product design and develop-ment process is fraught with consumer protectionregulatory challenges including the unfair, deceptiveand abusive acts or practices (UDAAP) oversightauthority granted to the CFPB under Dodd-Frank.Participants in this session hear from UDAAPthought leaders and payment compliance expertswho impart insights on the most important compli-ance action steps financial institutions should taketo protect themselves when designing new products.

Kathlyn FarrellManaging Director, Treliant Risk Advisors LLC

Nitish PandeyDeputy Chief Compliance Officer, American ExpressCenturion Bank

Registration OpenTime: 8:00 a.m. – 12:00 p.m.Location: Palms Ballroom Foyer

Continental BreakfastTime: 8:00 a.m. – 8:30 a.m. Location: Crystal Ballroom Atrium


Payment System Priorities: What the Fed Has LearnedTime: 8:30 a.m. – 9:30 a.m.Room: Crystal JTrack: Spotlight Speaker SeriesLevel: Intermediate

Over the past year, the Federal Reserve has engaged in a vigorous industry outreach and research effort to better understand U.S. payments system stakeholder needs, desires and priorities. Learn theoutcomes of primary research on the demand forfaster payments by consumer and corporate end-users and secondary research on specific gaps andopportunities related to payments safety and security.Find out what the Fed has learned so far aboutwhat’s missing in today’s payments landscape andwhat’s needed to achieve the payments system of thefuture. Hear about the latest insights on alternativesfor improving the speed of payments and aboutindustry feedback on the Fed’s Payment SystemImprovement – Public Consultation Paper.

Cheryl L. VenableSVP, Retail Payments ProductManager, Federal Reserve Bank ofAtlanta

Sean J. RodriguezSenior Vice President, FederalReserve Bank of Chicago

Under the Microscope: WhereReality Meets RegulationTime: 9:45 a.m. – 10:45 a.m. Room: Crystal GTrack: The ACH Network & the

NACHA Operating RulesLevel: AdvancedThe payment practices of payday lenders and otherhigh-risk originators have come under close scrutinyover the last year by regulators, law enforcement,legislators, consumer groups, and the media.Originating financial institutions and third-partyprocessors are also under the microscope when theysupport high-risk origination; receiving financialinstitutions are being expected to provide greaterlevels of consumer protection. Should the ACHNetwork be open for business for high-risk users?This interactive session provides participants withan examination of some of the most critical issuessurrounding this topic, and offers opportunities toraise questions and engage in dialogue with thepanelists as the conversation unfolds. Moderator: Michael HerdSenior Managing Director, ACH Network Rules,NACHA - The Electronic Payments Association

Timothy Thorson, AAP, CTPVice President, Manager ACH Operations, RegionsFinancial Corporation

Dennis Shaul Chief Executive Officer, Community Financial ServicesAssociation of America (CFSA)


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Leveraging Payments Innovation toMeet Customers’ ExpectationsTime: 9:45 a.m. – 10:45 a.m.Room: Crystal N-QTrack: World Payments ViewpointLevel: Advanced

The annual World Payments Report examinesdevelopments in the global payments landscape,reviewing global and regional non-cash paymenttrends. Participants in this session hear how theglobal payments landscape is responding to shifts ineconomic and competitive conditions, advances intechnology and increasing regulation. Participants inthis session learn what industry initiatives are occur-ring as a result and how innovation from paymentsservice providers can create sustainable differentia-tion for financial institutions in meeting future customer expectations and business needs.

Deborah BaxleyPayments Practice Leader, Capgemini@debbaxley

Teresa ConnorsDirector, Market & Business Strategy, Royal Bank ofScotland

More than Just Wage Payments: TheNext Generation of Payroll Puts theEmployee FirstTime: 9:45 a.m. – 10:45 a.m.Room: Grand 9-10Track: Corporate Payments SolutionsLevel: Intermediate

Direct Deposit via ACH and payroll cards haveexperienced high levels of adoption, helping com -panies improve payroll efficiency and reduce costs.The key to continued adoption puts employees first,ensuring they understand the benefits of electronicwage delivery. Participants in this session hear aboutnew approaches and tangible examples of employee-centric systems and self-service options that boostsatisfaction and adoption, while also reducing timeand resources spent managing payroll activities.

Anthony PeculicSenior Director, Product Strategy & Management,ALINE Payment Solutions, ADP, Inc.

Cathy S. BeydaOf Counsel, Paul Hastings LLP

Jill GoebelSenior Business Leader, Prepaid Products, Visa Inc.

Linda Pappillion, CPPSenior Director, Payroll, HR Operations, Compensation& Benefits, Pacific Sunwear of California Inc.

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Onboarding ACH OriginatorsTime: 9:45 a.m. – 10:45 a.m.Room: Crystal D-FTrack: The ACH Network & the


The ACH onboarding process should represent theperfect blend of attentive customer service andseamless operational efficiency. Join experiencedcash management sales and service officers fromHomestreet Bank and Bank of the West as they dis-cuss the steps of onboarding from both perspectivesand lessons learned from recent process revision.Participants walk away with a clear understanding ofcritical touch points when accounts are handed offfrom cash management to ACH departments,enabling insight into better implementations. Bestpractices for the process are also discussed in light ofhow more efficiency does not necessarily requiremore automation.

Janice M. Maidel, AAPVice President, Bank of the West

Jennifer Blevins, AAP, NCPCash Management Sales Officer, HomeStreet Bank@Jennay929

Breaking Down the Barriers toMoving MoneyTime: 9:45 a.m. – 10:45 a.m.Room: Crystal K-MTrack: Mobile Banking & PaymentsLevel: Intermediate

The rise of mobile payments, P2P networks, mobiledeposits and the further adoption of online bankinghave created silos and niches within financial insti-tutions when it comes to moving money from oneperson to another. Participants in this session learnfrom the experience of a financial institution thathas taken on this challenge and strategically lever-aged technology to deliver a mobile P2P solutionthat produces a better customer experience andmore profitable services.

Richard BradfuteChief Information Officer, James Polk Stone CommunityBank@RBradfute

Shawn KnoxSales Executive, Computer Services, Inc.

Consumer Purchasing Habits & A True Omni-Channel ShoppingExperienceTime: 9:45 a.m. – 10:45 a.m.Room: Grand 11-12Track: Payments StrategiesLevel: Intermediate

Retailers want consumers to be able to shop, compare and purchase all within the same, seamlessshopping experience, whether online, mobile orretail. However, lines are blurring between online,mobile and retail shopping, making it difficult toascertain which payment methods can support thisexperience best. In this session participants learn ofemerging ideas and technologies that will helpretailers achieve the holy grail of customer experi-ence, how they can implement an appropriate payment strategy, and what the benefits are if they succeed.Moderator: Greg ConstantineExecutive Vice President, Securenet LLC

John ShermanPartner, Georgetown OB-GYN, LLP

Nish ModiVP, Products, Securenet LLC

Mining Payments Data Inside aFinancial Institution: A Case StudyTime: 9:45 a.m. – 10:45 a.m.Room: Grand 13-14Track: Payments StrategiesLevel: Intermediate

Payment data, if harnessed correctly, constitutes apowerful tool that financial institutions can leverageto integrate systems and departments. This casestudy demonstrates how a financial institution canuse business intelligence tools to capture a holisticview of customer activity and help the institutiontarget products and services, more profitability man-age customers, and ensure awareness of risk andcompliance thresholds and issues across the institu-tion. Participants gain an understanding of anapproach they can adapt and apply to their respective financial institutions.

Tracy DownsDirector, Marketing & Communications, WinSouth Credit Union

Jami GloverSenior Product Solutions Manager, EPL, Inc.

Jessica J. Rios, AAPSVP, Association Services, GACHA


Mitigating the Risks of PaymentsFraud with Anomaly Detection: A Case StudyTime: 9:45 a.m. – 10:45 a.m.Room: Canary 1-2Track: Risk, Compliance &


In order for a fraud attack to be successful, criminalminds need to get to the money. Once the perpetra-tors have compromised whatever safeguards are inplace, systems used to initiate payments such as wiretransfers and ACH credits are vulnerable. Financialinstitutions are actively looking for ways to improvetheir fraud detection and prevention capabilities inthe face of the ever-expanding mix of schemes, toolsand techniques used by the fraudsters. Participants inthis session hear how one financial institution isachieving success in combating threats.

Robert PicciniAVP, Operations Manager, Citizens Business Bank

Terry AustinPresident & CEO, Guardian Analytics

Sound Business Practices inPayables & Receivables Integration:A Case StudyTime: 9:45 a.m. – 10:45 a.m.Room: Canary 3-4Track: Corporate Payments SolutionsLevel: Intermediate

With the goals of improving operational efficiencyin its treasury management services, adding newproduct capabilities and increasing customer satisfaction, First Tennessee is executing a paymentmodernization plan. Participants in this session gain insights for their own financial institutions’endeavors as the speaker shares lessons, practices and progress achieved in such areas as payment processing convergence, file transfer consistencyacross payment types, OFAC compliance centralization, customization of business rules per customer, and the enhancement of web andmobile capabilities.

Karen DoyleSVP, Senior Product Manager, Treasury Mgmt.Services, First Tennessee Bank

Keith MeltonDirector, Financial Solutions, IBM

From Statistics to Strategy: TurningGen Y Trends into TacticsTime: 11:00 a.m. – 12:00 p.m.Room: Crystal GTrack: Payments StrategiesLevel: Intermediate

Gen Y transforming how we do business and willcontinue to be a definitive demographic for at leastanother 10 years. With a major affect on the finan-cial behavior of the overall population, this group’sinfluence means big changes for your services strat-egy. How does a financial institution translate thecountless statistics on growth and behavioral trendsto something actionable? Participants in this sessiongo beyond the numbers to the why” as they aretaken on a deeper dive into the financial lives andpayment behaviors of Gen Y, including online andmobile. Key takeaways include understanding Gen Yfinancial motivators and mindset, gaining strategiesfor addressing Gen Y demands and their wide-sweep-ing influence and learning how to prioritize whichtactics to implement.”

Missy ZakettVP, Vertical Sales, Western Union Payments@Zakett

Cynthia WalliserDirector, Payments Marketing, Global ConsumerFinancial Services, Western Union

Key Risk Issues & the ACH NetworkTime: 11:00 a.m. – 12:00 p.m.Room: Crystal HTrack: Risk, Compliance &


In this session, panelists discuss recent key risk issuesand their success in mitigating threats to the ACHNetwork and the financial services industry. The session explores current environmental challengesfacing financial institutions and their potentialfuture impact on risk management. Speakers alsodiscuss current themes for NACHA’s Risk Management Advisory Group (RMAG) as drivers of activity going forward, and encourage audiencefeedback on key risks impacting the ACH Network.

Cynthia JenkinsSenior Director, Risk Management, NACHA - The Electronic Payments Association

Devon MarshSVP, Treasury Management & Internet Services Risk &Compliance, Wells Fargo

Maximizing Customer Use ofAutomatic Payments & Paperless e-BillingTime: 11:00 a.m. – 12:00 p.m.Room: Crystal A-CTrack: Corporate Payments SolutionsLevel: Intermediate

Amidst the proliferation of available ways that consumers can pay and receive bills, businesses must undertake an multifaceted strategy to increaseconsumer adoption of electronic solutions in waysthat will them help reduce costs and realize otherbenefits. In this session, gain insights to inform yourcompany’s strategy from the latest research and customer practices and preferences, and from theexperience of Allstate. Hear how and why insurerembraced discounts to compel behavioral change,adopted multi-channel notification and confirma-tion communications, and empowered front-lineagents to engage and enroll customers. Learn how to better pinpoint the optimal time in the customerlifecycle to migrate your customers to e-billing and payments.

Eric LeisersonSenior Research Analyst, Fiserv

Joan Skibinski, AAPMarketing Manager, Allstate Insurance Company

The Unintended Consequences ofthe Durbin AmendmentTime: 11:00 a.m. – 12:00 p.m.Room: Crystal D-FTrack: Card-Based OpportunitiesLevel: Intermediate

Three years after Durbin, the outcomes are quite dif-ferent than original intentions, resulting in signifi-cant unintended consequences. Research conductedby the Federal Reserve revealed unexpected impactson merchants. Participants in this session learn moreabout the research and ongoing studies as the envi-ronment continues to evolve.

Scarlett Schwartz, Ph.D.Payments Specialist, Federal Reserve Bank of Richmond

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Streamlining Treasury OperationsAcross the GlobeTime: 11:00 a.m. – 12:00 p.m.Room: Crystal K-MTrack: World Payments ViewpointLevel: Intermediate

Managing a global bank account structure can bechallenging due to decentralized operations withmultiple bank accounts, locations and financialmanagement systems – resulting in trapped cashspread across the globe. Participants in this sessionlearn how adopting sound business practices tostreamline corporate treasury operations globallyoffers their companies benefits such as cost reduction, cash management efficiencies, improvedutilization of payment technology and enhanced risk management.

Darren LoosChief Financial Officer, NewNet CommunicationTechnologies@DarrenLoos

Stephen PhelpsExecutive Director, J.P. Morgan

Operation Ababil: Lessons Learned& the Future of Information SharingTime: 11:00 a.m. – 12:00 p.m.Room: Crystal N-QTrack: Risk, Compliance &


To help mitigate ever-present threats, such as the“Operation Ababil” DDoS attacks, financial institutions continue to step up efforts to collaboratewith each other, openly sharing useful cyber-threatintelligence and mitigation techniques. Participantsin this session hear from experts who are in the front lines of this war as they examine how intelli-gence sharing beat back Ababil. Hear what kind ofshared intelligence helps combat cyber-attacks, andlearn from use cases and audience participation ofhow cyber-sharing efforts can save companies’ valuable resources.

John OmernikSecurity Analytics Architect, Zions Bancorporation

Rod RasmussenPresident & CTO, Internet Identity

Leveraging the FedACH® SameDayService in the HeartlandTime: 11:00 a.m. – 12:00 p.m.Room: Grand 9-10Track: The ACH Network & the


The Federal Reserve Bank introduced an optionalsame-day ACH solution in 2010 and expanded theservice in April of 2013, allowing credits as well asdebits and additional ACH payments types. Partici-pants in this session hear from an early adopter — afinancial institution that signed up for the expandedFedACH® SameDay Service — and a RegionalPayments Association that is building geographiccoalitions of financial institutions to participate.Hear why these institutions are using the service,what worked and panelists’ perspectives on the barri-ers to adoption, the pros and cons of an optionalservice and critical next steps.

Deborah R. Briscoe-Holt, AAPVP & Senior Product Manager, Bank of Oklahoma

Mike Hoefler, MBAVP & Cashier, First State Bank Nebraska

Wendy Wishon, AAP, NCPSenior Vice President, EPCOR

Developments in Securing Tablet-Based POS DevicesTime: 11:00 a.m. – 12:00 p.m.Room: Grand 11-12Track: Mobile Banking & PaymentsLevel: Intermediate

Tablet-based POS devices help to enable smallretailers to get paid electronically and are beingadopted by some larger merchants as they transformthe in-store customer experience. Participants in thissession learn about the security risks associated withtablet-based POS devices and how POS softwaredevelopers and merchants can address these risks.

James MaloneyChief Information Security Officer, Mercury PaymentSystems@cyberrisks

Group Therapy for Receivers of BadRemittance InformationTime: 11:00 a.m. – 12:00 p.m.Room: Grand 13-14Track: Corporate Payments SolutionsLevel: Intermediate

For years, the payments industry has been burdenedwith unreadable remittance information — trans -actions lying dormant on reports, not posted whilewaiting for manual intervention. Corporate receiverslook for solutions from their financial institutions,third parties or receivables departments. Whetherthe data is EDI or XML remittance accompanyingACH payments, the situation is worsening. Partici-pants in this session are provided with a fresh look atthe situation that includes examples and potentialavenues to collaboratively address this problem.

Moderator: Sharon Jablon, AAPProduct Specialist, The Clearing House

Dian CurtisAVP & EDI Product Manager, PNC Bank

Sandra RothManager, Trade Financial Management, Johnson &Johnson

Valjean Sanchez, AAP, CTPSVP, Payment Systems Operations, Union Bank

Emerging Threats & Trends inElectronic Payments FraudTime: 11:00 a.m. – 12:00 p.m.Room: Canary 1-2Track: Risk, Compliance &


As the electronic payment landscape continues toevolve, so does the threat to penetrate the systems ofcorporate clients, shared service centers and finan-cial institutions. Participants in this session are pro-vided with an examination of the challenges facedby financial institutions and their clients in manag-ing internal and external fraud, current fraud detec-tion tools and the potential gaps. Business cases andtips provide assistance in staying ahead of fraudstersand for detecting and preventing fraud occurrences.

Brian ToddSVP, Fraud Prevention & Internal Control, CitibankN.A.

David FapohundaDirector, Fraud Policy, Citibank N.A.


Transforming into the Branch of the FutureTime: 11:00 a.m. – 12:00 p.m.Room: Canary 3-4Track: Payments StrategiesLevel: Intermediate

Intuit research shows that people who bank onlineusing their mobile and tablet devices log in about 30times a month and are more profitable to a financialinstitution than those who don’t bank digitally.With mobile device adoption skyrocketing globally,financial institutions should focus on these digitalcustomers. Participants in this session hear whatmarket trends indicate and how emerging technolo-gies will impact existing or potential customers.Strategies to drive customer engagement, and ultimately, financial institution profitability via thedigital branch are shared.

Karishma Anand, MBADirector, Product Management, Digital Insight

Conference Concludes Thank you for being a part of the PAYMENTS 2014experience. Be sure to fill out your overall and session evaluations using the Mobile App.

See you next year!April 19-22, 2015 in New Orleans!

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Sayantan ChakrabortyChairpersonManaging Director, Head of North America PaymentsCitibank N.A.New York, NY

Gail AngelVP & Director, Commercial TreasuryFISJacksonville, FL

Ann-Marie Bartels, AAPChief Executive OfficerEPCORKansas City, MO

Nell Campbell-Drake, AAPVice PresidentFederal Reserve Bank of AtlantaAtlanta, GA

Elizabeth Cronenweth, AAP, CTPVice PresidentFiservBrookfield, WI

Peter Davey, AAPVP & Director, Enterprise PaymentsCapital OneRichmond, VA

Daphne Gilliam, AAP, CCMSenior Manager, ACH & CheckWalmart Stores, Inc.Bentonville, AR

Jeff Gonzales, AAPPayments Risk Analyst, ComplianceJack Henry & AssociatesRichardson, TX

Cassandra GordonVP, Payables and Receivables Product ManagementTD Bank, N.A.New York, NY

Walter HoffmanExecutive Relationship ManagerJavelin Strategy & ResearchPleasanton, CA

Joe HusseyExecutive DirectorJ.P. MorganIndianapolis, IN

Chris HuppertSenior Vice PresidentWells Fargo San Francisco, CA

Jonathan LearHead of Business, North AmericaEarthport North America, Inc.New York, NY

Joanne MiddendorfBusiness Leader - RPPS- Bill PaymentMasterCard WorldwideO'Fallon, MO

Timothy Mills, AAPVice PresidentThe Clearing HouseWinston-Salem, NC

Mary O’TooleDirectorBank of America Merrill LynchNew York, NY

Stephanie Prebish, AAP, CTPSenior Director, Education & AccreditationNACHA – The Electronic Payments AssociationHerndon, VA

Joseph ProtoChief Executive OfficerTransactis, Inc.New York, NY

Pamela Rodriguez, AAP, CIA, CISAExecutive Vice PresidentEastPay, Inc.Birmingham, AL

Stacy RosenthalBusiness ManagerSWIFTNew York, NY

Paul TrozzoSVP, Product Group ManagerPNC BankPittsburgh, PA

Jane Wallace, AAPVP, National Markets StrategyPayments Industry Consultant"San Francisco, CA

Vanessa WalkerDirector, Billing/Payments/DisbursementsState Farm Insurance CompaniesBloomington, IL

Elena Whisler, AAPDirector, Product ManagementClear2Pay AmericasAlpharetta, GA

Thank you to the PAYMENTS 2014Conference Planning Committee


Monday Night Celebration Co-Sponsor

3520 Kraft Road, Suite 300Naples, FL 34105

ACI Worldwide powers electronicpayments and banking for financialinstitutions, retailers, billers andprocessors. Through our comprehensivesuite of software products and hostedservices, we deliver solutions for paymentsprocessing; card and merchantmanagement; online banking; mobile,branch and voice banking; frauddetection; trade finance; and electronicbill pay.

Contact: Kay HughesPhone: 402-981-2940Email: [email protected]: http://www.aciworldwide.comTwitter: @ACI_WorldwideFacebook: aciworldwideLinkedIn: aci-worldwide

Exhibit Hall Aisle Signs

35111 US HWY 19 North, Suite 200Palm Harbor, FL 34684

Affirmative Technologies supports a widevariety of market driven electronicpayment and fraud /risk managementsolutions; automating and managing thepayment transaction lifecycle.Affirmative provides both a bank andprocessor agnostic item processing engine(ACH, Check 21 and Wire), designed toreduce operational costs and improve theircustomers' time-to-market.

Contact: Sherry KnitterPhone: 727-772-9881, ext. 225Fax: 727-772-6939Email: [email protected]: http://www.affirmativeusa.com

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www.affirmativeusa.com

Monday Lunch in Exhibit Hall

200 Vesey Street New York, NY 10285

Through its Global Corporate Paymentsdivision, American Express offers a suite ofB2B and T&E payment solutions thathelp organizations streamline processesand transform them into opportunities forsavings, control and efficiency. AmericanExpress can help your organizationincrease working capital flexibility andstrengthen relationships with suppliers.Please visitbusiness.americanexpress.com/us/

Contact: Dana WarrenPhone: 212-640-6037Email: [email protected]: https://www.americanexpress.com

Industry Agenda & Education:Corporate Payments Solutions Track

One Bryant Park New York, NY 10036

Bank of America Merrill Lynch is one ofthe world’s largest financial institutions,providing a full range of treasury, FX,trade, investing, asset management andother financial services. It is a leadingglobal payments bank with in-regionclearing and payment capabilities in theAmericas, Asia, and Europe.

URL: http://www.baml.com

Spotlight Speaker Series Co-Sponsor

500 Ross Street, Suite 1260Pittsburgh, PA 15262

BNY Mellon Treasury Services is a leadingprovider of global services designed toenable our clients to move money andassociated information quickly, safely andreliably around the world. We combinediverse services into solutions to help youstreamline transactions, optimize cashflow, manage liquidity and make paymentsmore efficiently.

Contact: Gary SefcikPhone: 412-236-9092Email: [email protected]: http://www.bnymellon.com

Conference Pens

90 Park Avenue New York, NY 10016

Among the nation's top ten financialservices providers, Capital One Bankdelivers innovative treasury managementsolutions that extend beyond thetraditional, including Virtual Vault,SafeBank and Commercial Card withlimited use Virtual Card Numbers. Morethan new technologies, what sets us apartis our objective guidance, creativity andpractical recommendations.

Contact: Sej PandyaPhone: 212-834-1851Email: [email protected]: www.capitalone.com


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PAYMENTS 3D Theater & Industry Agenda & Education: Card-Based Opportunities Track

6119 Heisley Road Mentor, OH 44060

Change + Choice = Control:2IDENTIFI's extensible technologyenables relevant consumer authenticationfor the evolving virtual channels.2IDENTIFI incorporates consumer'sfondness for mobile, plus GEO location/proxy piercing technology. With2IDENTIFI there is a new choice, a FI isnot tied to the 3-D Secure selected yearsago by its card processor.

Contact: Janet KapostasyPhone: 877-352-8444Fax: 440-352-1646Email: [email protected]: http://www.cardinalcommerce.comTwitter: @CardinalCommercFacebook: CardinalCommerceLinkedIn: CardinalCommerce

Wednesday Continental Breakfast

388 Greenwich Street New York, NY 10013

Citi, the leading global bank, hasapproximately 200 million customeraccounts and does business in more that160 countries and jurisdictions. Citiprovides consumers, corporations,governments and institutions with a broadrange of financial products and services,including consumer banking and credit,corporate and investment banking,securities brokerage, transaction service,and wealth management.

Contact: Sayantan ChakrabortyEmail: [email protected]: http://www.transactionservices.citi.com

Monday Night Celebration Co-Sponsor

7400 Beaufont Springs Drive, Suite 405Richmond, VA 23225

EastPay provides payments expertise tofinancial institutions and businessesthrough education, compliance support,and risk management. We are thedevelopers of the ProceduresNow! ACHpolicies & procedures; theAgreementsNow! suite of serviceagreements; and the Guide to EstablishingACH Exposure Limits. EastPay is aRegional Payments Association memberof NACHA.

Contact: Steve Vaglio, AAPPhone: 800-681-4224Email: [email protected]: http://www.eastpay.orgTwitter: @EastPay

Solution Circles

3100 Broadway, Suite 609Kansas City, MO 64111-2413

EPCOR is devoted to providing timelyand relevant payments education andsupport to members and other paymentsystems participants to help themmaintain compliance, improve operationalprocesses and mitigate risk and fraud.Through our affiliation with NACHAand other industry associations EPCORfosters and promotes improvement of thepayment systems.

Contact: Brandie ThackerPhone: 614-353-1964Email: [email protected]: https://www.epcor.orgTwitter: @EPCORPymntsNewsFacebook: EPCOROnlineLinkedIn: EPCOR - Electronic Payments Coreof Knowledge

Monday Morning Refreshment Break

5 Times Square New York, NY 10036

EY is a global leader in assurance, tax,transaction and advisory services. Theinsights and quality services we deliverhelp build trust and confidence in thecapital markets and in economies theworld over. We develop outstandingleaders who team to deliver on ourpromises to all of our stakeholders.

Contact: Lauren FleisherPhone: 212-773-0590Email: [email protected]: http://www.ey.com

Industry Agenda & Education: Risk, Compliance & Fraud Prevention Track

181 Metro Drive, Suite 600San Jose, CA 95110

FICO is a leading analytics softwarecompany, helping businesses in 80+countries make better decisions that drivehigher levels of growth, profitability andcustomer satisfaction. FICO providesanalytics software and tools acrossmultiple industries to manage risk, fightfraud, build profitable customerrelationships, optimize operations andmeet strict government regulations.

Phone: 800-999-2955Email: [email protected]: http://www.fico.com/fraudTwitter: @ficoFacebook: FICOLinkedIn: fico


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Industry Agenda & Education:The ACH Network & the NACHAOperating Rules Track

1 Chase Manhattan Plaza New York, NY 10005

J.P. Morgan's Corporate & InvestmentBank is a global leader across banking,markets and investor services. The world'smost important corporations, governmentsand institutions entrust us with theirbusiness in more than 100 countries.Further information about J.P. Morgan isavailable at www.jpmorgan.com.

Contact: Joe HusseyURL: https://www.jpmorgan.com/ts

Monday Continental Breakfast

4301 Hacienda Drive, Suite 550Pleasanton, CA 94588

Javelin Strategy & Research, a GreenwichAssociates LLC company, providesstrategic insights into customertransactions, increasing sustainable profitsfor financial institutions, government,payments companies, merchants and othertechnology providers. Javelin Analystsprovide insights into mobile, security andfraud, emerging payments, andomnichannel financial services.

Contact: Nancy Ozawa, Marketing ManagerPhone: 925-219-0116Fax: 925-225-9101Email: [email protected]: https://www.javelinstrategy.comTwitter: @JavelinStrategyLinkedIn: javelin strategy & research

Conference Lanyards

Two PNC Plaza Pittsburgh, PA 15222

As one of the country’s largest financialinstitutions, and one of the top treasurymanagement providers, PNC's industryexperts help companies of all sizes tacklefinancial challenges every day. You cancount on us to anticipate your company'sneeds and offer ideas, insight and solutionsto help you move your business forward.

Contact: Treasury Management Client CarePhone: 800-669-1518Email: [email protected]: https://pnc.com/treasury

AAP Sunday Evening Reception

Regional Payments Associations (RPAs)provide ACH education, information andsupport to financial institutions,businesses, and other Networkparticipants, and are a valuable resourceregarding other payment systems. Each ofthe 16 Regional Payments Associations, asDirect Members of NACHA, is a speciallyrecognized and licensed provider of ACHeducation, publications and support. RPAsalso offer audit and risk assessmentservices, AAP test preparation andcontinuing education credits, marketingtools and guidance, ODFI counseling andmore. For more information, and a chanceto win a complimentary registration toPAYMENTS 2015, please visit us at Booth #423.

URL: http://www.nacha.org/RegPayAssoc

Chairperson's Leadership Reception

1999 Bryan Street, Suite 3600Dallas, TX 75201

SWACHA - The Electronic PaymentsResource® is committed to providingessential payments education and servicesto help your organization adapt and stayabreast of the ever changing electronicpayments environment. The continuedgrowth of electronic payments has beenaccompanied by an increased focus onregulatory, compliance and riskmanagement issues. Staying informedabout the electronic payments space is nolonger an option and SWACHA is theresource of choice for our members andother payment industry stakeholders.

Contact: Tim QuisenberryPhone: 214-438-4585Email: [email protected]: http://www.swacha.orgTwitter: @SWACHAFacebook: http://www.facebook.com/bringingpaymentstogether


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2014 NACHA Payments System AwardsLuncheon

1701 Route 70 East Cherry Hill, NJ 08054

TD Bank, America’s Most ConvenientBank, is one of the 10 largest banks in theU.S., with approximately 27,000Employees and deep roots in thecommunity dating back more than 150years. TD Bank offers a broad array ofretail, small business and commercialbanking products and services to morethan 8 million Customers through ourextensive network of approximately 1,300retail Stores throughout the Northeast,Mid-Atlantic, Metro D.C., the Carolinasand Florida.

Phone: 856-751-9000URL: http://www.tdbank.com

Executive Forum

1250 Broadway, Suite 3701New York, NY 10001

Transactis delivers a robust electronic billpresentment and payment (EBPP/EIPP)solution to replace paper bills andpayments with smart, digital transactions.BillerIQ is our feature-rich, configurable,white-label SaaS solution enablingbusinesses to securely deliver electronicbills, invoices and documents and acceptpayments online, by phone (CSR/IVR),and mobile device.

Contact: Erica HamroffPhone: 347-535-3856Email: [email protected]: http://transactis.comLinkedIn: transactis

Industry Agenda & Education: Mobile & Digital Payments Track

420 Montgomery Street San Francisco, CA 94104

What if you could take your company’sTreasury from where it is today to best inclass? First, you’ll have to overcomebarriers that stand in the way—includingresource constraints, a lack of visibilityinto your processes, and an ever-changingarray of risks. Organizations such as yourscome to Wells Fargo because we have theresources and expertise to help you meetthe challenges and remove the barriers.We’ll show you the path to become thebest. wellsfargo.com/com

Contact: Chris HuppertPhone: 415-371-4287Fax: 415-371-4217Email: [email protected]: https://www.wellsfargo.com/comLinkedIn: wells fargo

Wireless Internet

12500 E Belford Avenue Englewood, CO 80112Western Union® Payments partners with thecountry’s largest billers to provide customizedpresentment & payment strategies that delivervalue. We offer comprehensive electronic &walk-in payment solutions, innovative mobiletools, & proven digital communicationprograms, all of which are based on freeconsultation & analysis services that provideour clients.Contact: Cynthia WalliserPhone: 800-525-6313 Email: [email protected]:http://payments.westernunion.com/nacha


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SPONSORS


Will you be ready in time? Act now to avoid penalties.

www.accuity.com/NACHA

www.accuity.com / / / / /

/ / / / /

03.4.14

SEPA Compliance

PAYMENT SOLUTIONSPowered by Bankers Almanac

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EXHIBITORS

Exhibit Hall

(as of March 6, 2014; subject to change)

NICE Actimize

Priority Payment Express Systems

Q2

EY

CSG International

Attendee EntranceAttendee Entrance

Join us on Tuesday, April 8 for complimentaryheadshots in the exhibit hall lounge from 9:00 a.m. – 11:00a.m. and 1:30 p.m. – 4:30 p.m. No appointment necessary.Make-up services are also available during these times.


Accuity ...................................................................................607ACE Software Solutions Inc. ...............................................629ACH Alert, LLC...................................................................122ACHeck21.............................................................................615ACI Worldwide.....................................................................323Affirmative Technologies, Inc..............................................331Aptys Solutions......................................................................601Argos Risk ..............................................................................716Association for Financial Professionals (AFP) ...................731Authentify..............................................................................623Axway.....................................................................................709Bancorp Bank, The ...............................................................223BankersHub............................................................................627Bill2Pay...................................................................................230Bottomline Technologies......................................................207Bureau of the Fiscal Service..................................................705CardinalCommerce Corporation ..................................Kiosk 1CDS Global ...........................................................................707Centrix Solutions, Inc...........................................................400Chesapeake System Solutions, Inc. .....................................703Clear2Pay ...............................................................................100Clearing House, The.............................................................213Creditron................................................................................110CSG International ................................................................326Data Support Systems, Inc....................................................715Deluxe Corporation ..............................................................713Dovetail ..................................................................................303Early Warning........................................................................712EastPay....................................................................................322eGistics, Inc............................................................................228EY............................................................................................722Exhibit Hall Lounge & Headshots ......................................128Federal Reserve Banks...........................................................101FICO.......................................................................................108FIS...........................................................................................107Fiserv.......................................................................................412Fundtech.................................................................................115Guardian Analytics ...............................................................506Heartland Payment Systems.................................................129IBM.........................................................................................513iGTB.......................................................................................507

Institute of Financial Operations, The................................726Laru.........................................................................................112LexisNexis ..............................................................................233LT............................................................................................433MagTek...................................................................................328MicroBilt Corporation..........................................................116Montran Corporation ...........................................................227NACHA - The Electronic Payments Association.............423Narrative Science..................................................................728NEACH.................................................................................324Neopost USA ........................................................................701NICE Actimize......................................................................714nProtect, Inc. .........................................................................500Online Banking Solutions..............................................Kiosk 2PAYMENTS 3D Theater......................................................818Paychex, Inc...........................................................................229PaySett Corporation..............................................................633Pegasystems, Inc.....................................................................430PrintMail Systems, Inc..........................................................632Priority Payment Express Systems........................................307ProfitStars ..............................................................................501Q2 ...........................................................................................405Regional Payments Associations..........................................423RemoteDepositCapture.com................................................617Sonavation.............................................................................704SQN Banking Systems..........................................................605SurePayroll, Inc......................................................................106SWIFT....................................................................................302Systar, Inc. ..............................................................................532Temenos .................................................................................700Third Party Payment Processors Association (TPPPA) ....533ThreatMetrix, Inc..................................................................613TransCentra, Inc....................................................................123Trusteer...................................................................................407US Dataworks........................................................................502VASCO Data Security..........................................................603Verafin ....................................................................................724WACHA/PAR ......................................................................708WAUSAU Financial Systems..............................................300Western Union® Payments .................................................401


EXHIBITORS

Exhibitors


Accuity 6074709 Golf Road Skokie, IL 60076

Owned by one of the world's leading business-to-business data and content providers, ReedBusiness Information, and part of Reed Elsevier,Accuity has been providing solutions to banksand businesses worldwide for over 175 years.Our unmatched data and services, powered byBankers Almanac, deliver optimal paymentefficiency, compliant transactions, bank counterparty insight and AML screening success. Accuity maintains authoritative andcomprehensive databases globally with a reputation built on the accuracy and quality of our data, products and services.Phone: 800-321-3373Fax: 847-933-8101Email: [email protected]: http://www.accuity.comTwitter: @accuitytweetsLinkedIn: accuity

ACE Software Solutions Inc. 62933 Wood Ave. South, Suite 600Iselin, NJ 08830

ACE Software is a global provider of intelligentfinancial transaction management and sanc-tions compliance technology for banks and corporates. Over two decades the Pelican product suite has been delivering solutions thatstreamline, automate and control all stages ofthe payments life cycle to reduce costs, createrevenue opportunities, and manage risk - allwith end-to-end visibility.Contact: Rajiv DesaiPhone: 732-603-4990Email: [email protected]: http://www.acesw.com

Look for This Prize Drawing Icon! This icon by an exhibitor’s name indicates they plan on having a prize drawing at their booth. Make sure to stop by their booth for details

ACH Alert, LLC 1228920B Transport Lane, Suite 1Ooltewah, TN 37363

Transform ACH and Wire fraud into a customer engaging, revenue generating opportunity. ACH Alert’s patented solutionssystematically check the value and destinationof ACH and Wires. Anomalies trigger alerts to customers via a separate access device, transactions suspend until customers respondusing a variety of out-of-band options, including voice biometrics.Contact: Debbie PeacePhone: 423-693-0110, ext. 100Fax: 423-650-4303Email: [email protected]: http://www.achalert.comTwitter: @achalertFacebook: achalertTNLinkedIn: ach-alert-llc

ACHeck21 615926 Hemsath Road, Suite 104aSt. Charles, MO 63303

ACHeck21 is your one-stop solution for all ofyour payment processing needs! We featurePayment Systems, Remote Deposit Capture,Electronic Check Presentment, E-Commerce,and more! Use us as your main system or inconjunction with your current software.ACHeck21 offers licensing options for financialinstitutions and third party processors.Contact: Sam AckleyPhone: 866-632-5415Fax: 314-558-0051Email: [email protected]: http://www.ACHeck21.comTwitter: @ACHeck_21Facebook: acheck21LinkedIn: acheck21

ACI Worldwide 3233520 Kraft Road, Suite 300Naples, FL 34105

ACI Worldwide powers electronic paymentsand banking for financial institutions, retailers,billers and processors. Through our comprehen-sive suite of software products and hosted services, we deliver solutions for payments processing; card and merchant management;online banking; mobile, branch and voicebanking; fraud detection; trade finance; andelectronic bill pay.Contact: Kay HughesPhone: 402-981-2940Email: [email protected]: http://www.aciworldwide.comTwitter: @ACI_WorldwideFacebook: aciworldwideLinkedIn: aci-worldwide

Affirmative Technologies, Inc. 33135111 US HWY 19 North, Suite 200Palm Harbor, FL 34684

Affirmative Technologies supports a wide variety of market driven electronic paymentand fraud /risk management solutions; automat-ing and managing the payment transaction life-cycle. Affirmative provides both a bank andprocessor agnostic item processing engine(ACH, Check 21 and Wire), designed toreduce operational costs and improve their customers' time-to-market.Contact: Sherry KnitterPhone: 727-772-9881, ext. 225Fax: 727-772-6939Email: [email protected]: http://www.affirmativeusa.com

Aptys Solutions 6012095 Summer Lee Drive, Suite 200Rockwall, TX 75032

Aptys provides the industry’s only true, common platform for financial institution payment processing. Aptys enables FIs of allsizes to support payment processing and leastcost routing for image exchange, ACH, wires,Federal Reserve messages, in-network exchange, mobile payments, and emerging technologythrough a unified payments hub.Contact: Joy PetrilliPhone: 615-625-3041Email: [email protected]: http://www.aptyssolutions.comFacebook:https://www.facebook.com/aptyssolutionsLinkedIn: aptys solutions

Argos Risk 7164600 W 77th Street, Suite 300Edina, MN 55435

Argos Risk specializes in the development ofweb-based technology solutions that enablecompanies to proactively manage credit riskand protect against business identity fraud.Argos Risk leverages its proprietary data analy-sis process and its custom-built web portal todeliver up-to-the-minute credit risk informa-tion and financial health scores to subscribers.Contact: Kimberlee KarrPhone: 952-314-1219Fax: 952-314-1219Email: [email protected]: https://www.argosrisk.comTwitter: @argosriskLinkedIn: argos-risk


EXHIBITORS

Exhibitors


Association for Financial Professionals (AFP) 7314520 East-West Hwy, Suite 750Bethesda, MD 20814

Sponsored by the Association for Financial professionals (AFP), the Certified Treasury Professional (CTP) signifies that an individualhas demonstrated the knowledge and skillsrequired to perform successfully in today's com-plex financial environment. Since 1986, morethan 28,000 finance professionals around theworld have earned this prestigious certification.Contact: Megan LaddPhone: 301-961-8862Email: [email protected]: http://www.CTPcert.orgTwitter: @CTPcertLinkedIn: certified treasury professional

Authentify 6238745 West Higgins Road, Suite 240Chicago, IL 60631

Authentify delivers user-centric multi-factorauthentication services, SaaS, employing smart phones, tablets, laptops or “just” tele-phones for out-of-band 2 factor authentication.An Enterprise may choose multiple authentica-tion factors including soft-token, digital certificates, voice biometrics, shared secrets and others, minus the overhead associated with deploying MFA.Contact: Paul WittPhone: 773-243-0361Fax: 773-243-0225Email: [email protected]: http://www.authentify.com/Twitter: @AuthentifyFacebook: AuthentifyLinkedIn: authentify-inc.

Axway 7096811 E. Mayo Blvd., Suite 400Phoenix, AZ 85054

Established in 2001, Axway is a global softwarecompany with more than 11,000 customers in100 countries. Axway empowers leadingorganizations to manage business-critical interactions within and among enterprises. Our award-winning technology spans B2B integration, MFT, API and identity manage-ment, and email security—offered on premiseand in the Cloud.Contact: Marianne LontocPhone: 650-801-3182Fax: 650-801-3101Email: [email protected]: http://www.axway.comTwitter: @axwayFacebook: axwayLinkedIn: axway

Bancorp Bank, The 223409 Silverside Road, Suite 105Wilmington, DE 19809

The Bancorp Bank is a leading commercialbank fully conversant with the efficient, prof-itable movement of money on an electronicbasis, The Bancorp Bank’s outstanding technol-ogy infrastructure and proven sophistication infinancial services enable us to achieve anuncommon level of service delivery.Contact: Matthew CarberryPhone: 302-385-5038Fax: 302-791-5781Email: [email protected]: http://www.thebancorp.com

BankersHub 627722 Milky Way Madison, WI 53718

BankersHub is dedicated to helping financialinstitutions and solution providers get 'fromhere to there', where 'there' might be greaterprofitability, increased productivity, reducedcustomer attrition, network growth, new tech-nology, or any other destination desired.BankersHub is all about enabling professionalconnections, networking, thought leadership,and innovations that are actionable.Contact: Erin HandelPhone: 312-316-0305Email: [email protected]: http://www.bankershub.netTwitter: @bankershub1

Bill2Pay 2304700 140th Avenue North, Suite 106Clearwater, FL 33762

Bill2Pay specializes in NACHA Audited Electronic and Lockbox Processing for government and commercial billers. Bill2Payintegrates billing systems for seamless paymentswith the lowest error and highest satisfactionrates. Ask our industry leading references!Bill2Pay is preferred by banks for conveniencefee payments and Florida Lockbox; a 98%retention rate!Contact: Iris KraftPhone: 727-902-5406Fax: 727-535-0707Email: [email protected]: http://www.bill2pay.comFacebook: Bill2Pay

Bottomline Technologies 207325 Corporate Drive Portsmouth, NH 03801

Bottomline Technologies (NASDAQ: EPAY)provides baking, payment and cash manage-ment solutions to banks, financial institutionsand corporations around the world. Organiza-tions trust Bottomline to meet their needs for automation, cost reduction, competitive differentiation and optimization of working capital.Contact: Heather BridgesPhone: 603-436-0700Fax: 603-436-0300Email: [email protected]: http://www.bottomline.comTwitter: @bottomlinetechLinkedIn: bottomline technologies

Bureau of the Fiscal Service 705401 14th Street SW Washington, DC 20227Contact: Michelle MosleyPhone: 202-680-9068Email: [email protected]


EXHIBITORS

Exhibitors


CardinalCommerce Corporation Kiosk 16119 Heisley Road Mentor, OH 44060

Change + Choice = Control: 2IDENTIFI'sextensible technology enables relevant con-sumer authentication for the evolving virtualchannels. 2IDENTIFI incorporates consumer'sfondness for mobile, plus GEO location/proxypiercing technology. With 2IDENTIFI there isa new choice, a FI is not tied to the 3-D Secureselected years ago by its card processor.Contact: Janet KapostasyPhone: 877-352-8444Fax: 440-352-1646Email: [email protected]: http://www.cardinalcommerce.comTwitter: @CardinalCommercFacebook: CardinalCommerceLinkedIn: CardinalCommerce

CDS Global 7071901 Bell Avenue Des Moines, IA 50315

CDS Global provides payment solutions across industries including financial services,nonprofits, municipalities and utilities. Wedeliver presentment and processing solutionsvia multiple channels. Our solutions includeElectronic Bill Presentment & Payment(EBPP), Remittance Processing, RemoteDeposit Capture, Bill Printing and Mailing, and Data Capture & Advanced Imaging.Contact: John GuaragnoPhone: 732-673-3134Email: [email protected]: http://www.cds-global.comTwitter: @cdsglobalFacebook: CDSGlobalLinkedIn: johnpguaragno

Centrix Solutions, Inc. 4001560 S 70th Street Lincoln, NE 68506

Centrix provides products to financial institutionsfor payments fraud detection, risk analysis andreporting, and regulatory compliance. Theseproducts provide real-time file validation fororiginated ACH files, ACH/check/payee/tellerpositive pay, full account reconciliation, EDItranslation, ACH customer risk review, ACHregulatory/board reporting, and debit card (Reg E)dispute case management.

Contact: Steve BartelsPhone: 402-488-3990, ext. 107Fax: 402-489-3859Email: [email protected]: http://www.centrixsolutions.comLinkedIn: centrix-solutions-inc-

Chesapeake System Solutions, Inc. 70310461 Mill Run Circle, Suite 600Owings Mills, MD 21117

Chesapeake System Solutions is a leadingprovider of financial software solutions for forward-thinking banks. Chesapeake createsstate-of-the-art cash management servicesthrough robust, scalable software, deliveringadvanced functionality that lowers costs andremoves virtually all technology limitations to innovation and integration. For more information, visit www.chessys.com or call 410-356-6805Contact: Renee PielPhone: 443-898-9735Fax: 410-356-7625Email: [email protected]: http://www.chessys.comTwitter: @chessysSoftwareFacebook: ChesapeakeSystemSolutionsLinkedIn: chesapeake-system-solutions

Clear2Pay 10011605 Haynes Bridge Road, Suite 425Alpharetta, GA 30009

Clear2Pay is a payments modernization company. Its 1,200 staff in 20+ global officesfacilitate payments services across all paymenttypes of monetary and other value (loyaltypoints) through its SOA Open PaymentFramework (OPF). Solutions include OPFWires, International Payments, EBPP, Remittance, Tax Data Services, ViVAS virtual accounting engine, e.g.Contact: Barry TookerPhone: 781-908-0100, ext. 7219Fax: 781-418-0918Email: [email protected]: http://www.clear2pay.com

Clearing House, The 213115 Business Park Drive Winston-Salem, NC 27107

Established in 1853, The Clearing House is thenation’s oldest banking association and pay-ments company clearing and settling almost $2trillion daily and representing nearly half of thefunds transfer (CHIPS), automated clearinghouse (EPN), and image payments (SVPCO)made in the U.S.Contact: Hank FarrarPhone: 336-769-5352Fax: 336-769-5355Email: [email protected]: https://www.theclearinghouse.orgTwitter: @TCHtweets

Creditron 11015800 Crabbs Branch Way, Suite 210Rockville, MD 20855

Creditron is a leader in delivering payment processing and receivables automation solutions to financial institutions, businesses,government entities and non-profit organiza-tions across North America. Our products provide feature-rich, image-based solutions thatreduce operation costs and complexity whileenhancing customer service and corporateagility—translating into significant ROI.Contact: Matt DisbrowPhone: 888-721-9510Email: [email protected]: http://www.creditron.comTwitter: @creditronFacebook: Creditron.Remittance.PaymentsLinkedIn: creditron user group

CSG International 3269555 Maroon Circle Englewood, CO 80112

CSG International is a leading provider of documents in print and electronic media communications within the business-to-business (B2B) and business-to-consumer(B2C) arenas. We specialize in developingcomprehensive solutions for the compositionand fulfillment of critical, time-sensitive trans-actional documents in the telecommunications,utilities, financial and billing markets.www.csgi.comContact: Eric BaumgartnerPhone: 888-214-6680Fax: 805-604-6843Email: [email protected]: http://www.csgi.comTwitter: @csg_iFacebook: csginternationalLinkedIn: csg-international

Data Support Systems, Inc. 7151414 North 205th Street Omaha, NE 68022

Data Support Systems is home to the TRIPS®

Suite of Back Office Solutions. Built to handlea universal payment process, it’s been chosentime and again as the solution that bankers turnto. TRIPS is the most streamlined and flexiblesolution available for Returns, Exceptions,Adjustments, Collections, Dispute and Fraud.Contact: Jamie ZiembaPhone: 402-431-1919Fax: 402-431-8189Email: [email protected]: http://www.datasupport.comTwitter: @DSS_TRIPSFacebook: datasupportsystems


EXHIBITORS

Exhibitors


Deluxe Corporation 7133680 Victoria Street North Shoreview, MN 55126

The latest small business payments innovationcomes from the check industry leader. DeluxeeChecks combines the paper check’s most powerful features with a feature-rich, pay-any-one online payment solution. Sending DeluxeeChecks is fast, easy, and safe. A few simplekeystrokes generate a check for secure, immediate web delivery.Contact: Bob KanePhone: 610-806-6960Email: [email protected]: http://www.deluxe.com/echecks/Twitter: @deluxecorpFacebook: deluxecorp

LinkedIn: bob kane deluxe

Dovetail 3031515 State RT 10, Suite 2Parsippany, NJ 07054

Dovetail builds and implements enterprisebanking software, specifically, the Dovetail Payment Services Hub. Dovetail’s ability toexecute and support mission critical projects isfacilitating a new wave of competition in trans-action banking by providing efficient, consoli-dated, and adaptable processing of payments,from bulk ACH clearing to global RTGS settlement.Contact: Paul SullivanPhone: 862-261-3333Fax: 862-261-3334Email: [email protected]: http://www.dovetailsystems.com

Early Warning 71216552 N 90th Street, Suite 100Scottsdale, AZ 85260

For more than two decades, Early WarningServices LLC has created actionable intelli-gence to help financial organizations fightfraud, isolate and manage risk, and remain com-pliant to protect the entire financial system.Contact: Shannon BarrowPhone: 480-426-2031Fax: 480-483-4628Email: [email protected]: http://www.earlywarning.com/

EastPay 3227400 Beaufont Springs Drive, Suite 405Richmond, VA 23225

EastPay provides payments expertise to financial institutions and businesses througheducation, compliance support, and risk management. We are the developers of theProceduresNow! ACH policies & procedures;the AgreementsNow! suite of service agree-ments; and the Guide to Establishing ACHExposure Limits. EastPay is a Regional Payments Association member of NACHA.Contact: Steve Vaglio, AAPPhone: 800-681-4224Email: [email protected]: http://www.eastpay.orgTwitter: @EastPay

eGistics, Inc. 22817304 Preston Road, Suite 550Dallas, TX 75252

eGistics is a leading provider of cloud-basedsolutions for payments and document-drivenfinancial services applications. The eGisticscloud solution automates the capture, manage-ment and delivery of documents and data in ahighly secure, highly scalable and compliantenvironment.Phone: 214-256-4600Email: [email protected]: http://www.egisticsinc.comTwitter: @egisticsFacebook: egisticsincLinkedIn: egistics-inc.

EY 7225 Times Square New York, NY 10036

EY is a global leader in assurance, tax, transaction and advisory services. The insightsand quality services we deliver help build trustand confidence in the capital markets and ineconomies the world over. We develop out-standing leaders who team to deliver on ourpromises to all of our stakeholders.Contact: Lauren FleisherPhone: 212-773-0590Email: [email protected]: http://www.ey.com

Federal Reserve Banks 101Federal Reserve Banks offer innovative financial services, providing accessibility andflexibility. Services include FedACH®, FedG-lobal® ACH Payments, FedForward®,FedReceipt®, FedReturn®, Check, Fedwire®

Funds and Securities, FedCash®, National Settlement and Treasury Services. Our streamlined, affordable FedComplete® Packagesbundle payment services with an access solution for one monthly fee.Phone: 800-257-6701Email: [email protected]: http://www.frbservices.org/

FICO 108181 Metro Drive, Suite 600San Jose, CA 95110

FICO is a leading analytics software company,helping businesses in 80+ countries make betterdecisions that drive higher levels of growth,profitability and customer satisfaction. FICOprovides analytics software and tools acrossmultiple industries to manage risk, fight fraud,build profitable customer relationships, opti-mize operations and meet strict governmentregulations.Phone: 800-999-2955Email: [email protected]: http://www.fico.com/fraudTwitter: @ficoFacebook: FICOLinkedIn: fico

FIS 107601 Riverside Avenue Jacksonville, FL 32204

The world’s largest provider of banking andpayments technologies, FIS provides financialinstitution core processing, and card issuer andtransaction processing services, including theNYCE Network to more than 14,000 financialinstitutions and businesses in more than 110countries worldwide.Contact: FIS Demand Generation andInformationPhone: 800-822-6758Email: [email protected]: http://www.fisglobal.com


EXHIBITORS

Exhibitors


Fiserv 412255 Fiserv Drive Brookfield, WI 53045

Fiserv is a leading global provider of informa-tion management and electronic commerce systems for the financial services industry, providing integrated technology and servicesthat create value and results for our clients. Fiserv drives innovations that transform experi-ences for more than 16,000 clients worldwide.Visit us at Booth #412 or www.fiserv.com.Contact: Afamia MurrayPhone: 678-375-4413Email: [email protected]: http://www.fiserv.comTwitter: @fiservLinkedIn: fiserv

Fundtech 11530 Montgomery Street, Suite 501Jersey City, NJ 07302

Fundtech is a leading provider of transactionbanking solutions to banks and corporates of allsizes around the world. As a strategic supplier,our clients benefit from lower operating costsand an enhanced end-user experience throughour integrated and feature-rich solutions.Contact: Marisa PenepentPhone: 201-215-6516Fax: 201-946-1313Email: [email protected]: http;//www.fundtech.comTwitter: @FundtechFacebook: fundtechLinkedIn: fundtech

Guardian Analytics 5062465 Latham Street, Suite 200Mountain View, CA 94040

Prevent ACH and wire payments fraud! Over300 financial institutions have standardized onour behavioral analytics solutions for prevent-ing fraudulent payments. FraudMAP® ACHdetects fraud at both the batch level and thetransaction level, while FraudMAP Wiredetects fraudulent wire transfers in real timeregardless of how they were submitted.Contact: Eric LaBadiePhone: 650-383-9200Fax: 650-948-8243Email: [email protected]: http://www.guardiananalytics.comTwitter: @GuardAnalyticsLinkedIn: guardian analytics

Heartland Payment Systems 129101 Malabu Drive, Suite 3Lexington, KY 40503

Heartland Payment Systems providesCredit/Debit/Prepaid card processing; Payroll;Government/Municipality processing; Lodging,Restaurant and Campus solutions; Gift/LoyaltyMarketing; and Online solutions to businessesnationwide. Mutual business development isthe cornerstone of Heartland's value to ourbank partners. Heartland is the founder of The Merchant Bill of Rights. www.MerchantBillofRights.org andwww.HeartlandPaymentsystems.comContact: Brad WilsonPhone: 859-309-1950Email: [email protected]: http://www.HeartlandPaymentSystems.com

IBM 5131 New Orchard Road Armonk, NY 10504-1722

IBM is a global technology and consulting company headquartered in Armonk, New York.With innovation at its core, IBM is in the fifthdecade of delivering financial transaction pro-cessing and bringing their customers forwardthrough the changes in technology, marketsand regulationContact: Karen HolmesPhone: 720-396-7391Email: [email protected]

iGTB 507111, Town Square Place, Suite 340Jersey City, NJ 07310

iGTB from Polaris, leader in Financial Technology. The world's first complete GlobalTransaction Banking platform, used by theworld's top transaction banks targetting this$509bn market. 25 years of expertise, largest set of IP, partner for 9 of the top 10 globalbanks, 40 relationship offices, 30 countries,13,000 staff.Contact: Vikram AlighPhone: 732-590-8151Email: [email protected]: http://www.polarisft.com

The Institute of Financial Operations 726970 North Fern Creek Avenue Orlando, FL 32803

The Institute of Financial Operations is a nonprofit membership association serving professionals in accounts payable, accountsreceivable, information management, and datacapture. With nearly 40 chapters in the U.S.,Canada, and the UK, The Institute providescertification programs, online education, cut-ting-edge research, Financial Ops magazine,and professional conferences including Fusion.Phone: 407-351-3322Fax: 407-895-5031Email: [email protected]: http://www.financialops.org/homeTwitter: @financial_opsFacebook: financialopsLinkedIn: institute financial operations

Laru 112101 Parkshore Drive Folsom, CA 95630

Laru Technologies is a trusted and reliable banksecurity solutions provider. Laru Solutions iden-tifies, resolves and prevents fraud and networkviolations while it monitors and manages therisk for both originating and receiving ACHand Wire payments. Only Laru automaticallyscrutinizes every new transaction, with everyprevious transaction, preventing unauthorizedfund transfers, account takeovers, paymentfraud, malware, and data breaches.Contact: Garret ReedPhone: 888-527-8007Email: [email protected]: http://www.larutech.comTwitter: @larutech

LexisNexis 233LexisNexis Legal & Professional Solutions arefor law firms, corporations and governmentagencies seeking legal solutions, news & busi-ness insights. LexisNexis Risk Solutions are forindustries and government agencies with needto assess, predict and manage risk.URL: http://www.lexisnexis.com


EXHIBITORS

Exhibitors


LT 433200 North Broadway, Suite 700Wichita, KS 67202

LT makes IAT ACH origination and real-timewire transfers easy for FI’s. Utilizing LT’s directconnections with The Federal Reserve, LTdelivers industry leading transaction, reportingand settlement technology in a single sign-on,integrated platform. LT is the correspondenttechnology expert providing customized payment channels for all correspondent processing FI’s.Contact: Tracy HearsonPhone: 316-267-3200Email: [email protected]: http://www.LendingTools.com

MagTek 3281710 Apollo CourtSeal Beach, CA 90740

Since 1972, MagTek® has been a leading manufacturer of electronic devices for cards,checks and PINs. Today, MagTek leveragesstrong encryption, tokenization, real-timeauthentication and dynamic transaction datausing MagneSafeTM enabled products. Itsproducts include secure card reader authentica-tors, small document scanners, PIN pads andcard personalization and issuance systems.Contact: Andy DeignanPhone: 562-546-6603Email: [email protected]: http://www.magtek.comTwitter: @magtekFacebook: MagTek-Inc

MicroBilt Corporation 1161640 Airport Road, Suite 115Kennesaw, GA 30144

MicroBilt specializes in managing risk at all levels for ACH and Check21 transactions aswell as for consumer underwriting. As a CreditBureau, we are heavily regulated and havemuch more flexibility with our data than others. ACH authorization and transaction predictability with rVd is our strength. Authorize/Decline/Warn with confidence!Contact: Dave KingPhone: 949-218-0906Fax: 678-826-0764Email: [email protected]: http://www.microbilt.comTwitter: @MicroBiltFacebook: MicroBiltLinkedIn: microbilt corporation

Montran Corporation 22760 East 42nd Street New York, NY 10165

Montran offers a complete line of integratedpayment solutions and related products for thefinancial services industry, including: theGlobal Payment System (GPS), the Real-TimeGross Settlement System (RTGS), the Auto-mated Clearing House System (ACH) and theCentral Securities Depository System (CSD).Contact: Joseph SusinoPhone: 212-684-5214Fax: 212-889-2694Email: [email protected]: http://www.montran.com

NACHA - The Electronic Payments Association 42313450 Sunrise Valley Drive, Suite 100Herndon, VA 20171

NACHA manages the development, adminis-tration, and governance of the ACH Network,the backbone for the electronic movement ofmoney and data from account to account.NACHA Operating Rules guide risk manage-ment and create payment certainty for partici-pants. NACHA membership, councils, andforums foster dialogue and innovation tostrengthen the Network. www.nacha.orgPhone: 703-561-1100Fax: 703-787-0996Email: [email protected]: https://www.nacha.orgTwitter: @nachaonlineLinkedIn: http://bit.ly/PAYMENTS2014

Narrative Science 728303 East Wacker Drive, Suite 1500Chicago, IL 60601

Narrative Science is the leading provider ofnatural language communication technologythat helps organizations analyze and transformdata into narrative reports. Our patented artifi-cial intelligence technology platform, Quill™,mines data for meaning and insight to automat-ically generate relevant and impactful commu-nications that are easy to understand andproduced at unprecedented scale.Contact: Kate FureyPhone: 312-477-0590Email: [email protected]: http://www.narrativescience.comTwitter: @narrativesciFacebook: NarrativeScienceLinkedIn: narrative-science

NEACH 32435 Corporate Drive, Suite 190Burlington, MA 01803

NEACH is a non-profit, regional paymentsassociation that helps members originate andreceive ACH transactions. New England’strusted resource in payments, NEACH providespayments products, services, and education, toits member institutions and other New Englandentities to increase the acceptance, use, andquality of electronic transactions.Contact: Janet MerletPhone: 781-321-1011Fax: 781-338-9627Email: [email protected]: http://www.neach.org

Neopost USA 701478 Wheelers Farms Road Milford, CT 06461

Neopost USA provides mailing, communica-tions and shipping solutions. For generations,we have worked with our customers to prepare,deliver and manage their customer communica-tions in the most secure, efficient and profes-sional manner possible. We help our customerscommunicate – whether in traditional mail,digital communications or packages. Visitwww.neopostusa.comContact: Cathie RabinovePhone: 203-301-3400Email: [email protected]: http://www.neopostusa.comTwitter: @neopostusaFacebook: neopost

NICE Actimize 7141359 Broadway, 5th FloorNew York, NY 10018

NICE Actimize is the largest and broadestprovider of financial crime, risk and compliancesolutions for financial institutions. Actimizeprovides real-time, cross-channel fraud preven-tion, anti-money laundering detection, andtrading surveillance solutions that address such concerns as payment fraud, cybercrime,sanctions monitoring, market abuse, customerdue diligence and insider trading www.niceactimize.com.Contact: Felicia MutdhastiraPhone: 212-994-3866Email: [email protected]: http://www.niceactimize.com


EXHIBITORS

Exhibitors


nProtect, Inc. 5003003 N 1ST Street, Suite 301San Jose, CA 95134

nProtect provides an Endpoint Security Solution to protect the weakest link in mostfinancial institutions’ defense chain* as well ascomplying with the FFIEC AuthenticationGuidance.(* 2014 CYBERTHREAT DEFENSEREPORT, CyberEdge Group, LLC.) Financialinstitutions such as Bank of America andDeutsche Bank are using nProtect for onlinebanking security.Contact: Don LeePhone: 408-477-1742Email: [email protected]: http://www.nProtect.comTwitter: nProtect@nProtect_Online

Facebook: nprotect.inc

Online Banking Solutions Kiosk 21776 Peachtree Street, Suite 450NAtlanta, GA 30309

Online Banking Solutions, founded in 2002, bya management team that pioneered Web cashmanagement and business banking technology.Privately held and profitable, OBS provides e-banking products including multi-channeledreporting, transaction, and file delivery services.Clients include top 100 U.S. commercial bankholding companies, community banks andcredit unions.Contact: Stuart WilliamsPhone: 404-719-6870Fax: 404-996-1155Email:[email protected]: http://www.onlinebankingsolutions.comTwitter: @obsatlLinkedIn: online banking solutions

Paychex 22910150 Meanley Drive, Suite 200San Diego, CA 92131

Paychex, Inc. is a leading provider of payroll,human resource, and benefits outsourcing solutions for small-to medium-sized businesses.The company offers comprehensive payrollservices, including payroll processing, payrolltax administration, employee pay services,direct deposit, check signing, and Readychex®.Become a full-service business provider by part-nering with Paychex today.Contact: Phil SusdorfPhone: 858-248-5321Fax: 855-297-9398Email: [email protected]: http://www.paychex.comTwitter: @PaychexFacebook: PaychexLindedIn: paychex

PaySett Corporation 6333340 Peachtree Road NE, 18th FloorAtlanta, GA 30326

PaySett Corporation is a global companyfocused on developing large scale payment sys-tems. PaySett currently has over 250 clients in12 countries, including 8 national AutomatedClearing Houses. PaySett consults at a Countrylevel to design national payment systems, whilealso providing software for Batch-based andreal-time ACH processing.Contact: Jaime RobayoPhone: 678-999-2708Fax: 404-935-0977Email: [email protected]: http://www.paysett.com

Pegasystems, Inc. 4301 Rogers Street Cambridge, MA 02142

Pegasystems offers the industry's most agileplatform and financial service solutions fordelivering on the vision of a truly customer-centric organization. Eight of the top 10 globalbanks rely on Pega to provide the ideal cus-tomer experience, innovate faster, optimizebusiness outcomes and reduce risk.Contact: Joanna LitasPhone: 617-866-6386Fax: 617-374-9620Email: [email protected]: http://www.pega.com/Twitter: @pegaFacebook: pegasystemsLinkedIn: pegasystems

PrintMail Systems, Inc. 63223 Friends Lane Newtown, PA 18940

Providing outsourcing services to communitybanks, PrintMail System’s accurate, cost-saving,and reliable solutions include processing forboth printed and electronic statements, tech-nology solutions, and marketingnotices/onserts. With four redundant process-ing facilities, we have the ability and experi-ence to interface with virtually every coreplatform and imaging software. 800.910.4844www.PrintMailSystems.comContact: Kristy McMullinPhone: 800-910-4844Fax: 215-860-2204Email: [email protected]: http://www.PrintMailSystems.comTwitter: @PrintMailSystemFacebook: PrintMailSystemsLinkedIn: print-mail-systems-inc

Priority Payment Express Systems 307124 Leeville Pike Lebanon, TN 37087

A financial services marketing partner with a philosophy and product line specificallydeveloped to meet the merchant transactionmanagement needs of banks and credit unions!Contact: Bob Black / FrankPhone: 877-544-7626Fax: 877-234-9854Email: [email protected]

ProfitStars 5011025 Central Expressway South Dallas, TX 75013

As a diverse, global division of Jack Henry &Associates, ProfitStars® combines JHA’s solidtechnology background with the latest break-throughs in five performance-boosting solutiongroups –Financial Performance, Imaging &Payments Processing, Information Security &Risk Management, Retail Delivery, and Online& Mobile. Explore the power of ProfitStars-enhanced performance at www.profitstars.com. Contact: Gary StocktonPhone: 417-235-6652Fax: 417-236-8959Email: [email protected]: http://www.profitstars.com

Q2 40513785 Research Blvd., Suite 150Austin, TX 78750

Q2 powers your virtual banking experience.Our single platform architecture provides onefully integrated platform that contains yourevery virtual need – online, mobile, and voicebanking; native, industry-leading security andanalytics; and a consistent user experience thatoptimizes convenience and functionality foryour account holders.Contact: Tracy PearcePhone: 512-275-0072Email: [email protected]: https://q2ebanking.comTwitter: @q2ebanking


EXHIBITORS

Exhibitors


Regional Payments Associations 423Regional Payments Associations (RPAs) provide ACH education, information and support to financial institutions, businesses, andother Network participants, and are a valuableresource regarding other payment systems. Eachof the 16 Regional Payments Associations, asDirect Members of NACHA, is a specially rec-ognized and licensed provider of ACH educa-tion, publications and support. RPAs also offeraudit and risk assessment services, AAP testpreparation and continuing education credits,marketing tools and guidance, ODFI counselingand more. For more information, and a chanceto win a complimentary registration to PAY-MENTS 2015, please visit us at Booth #423. URL: http://www.nacha.org/RegPayAssoc

RemoteDepositCapture.com 61712850 HWY 9 N, Suite 600 PMB 320Alpharetta, GA 30004

RemoteDepositCapture.com is the leadingindependent authority on everything related toRemote Deposit Capture and the host of theannual RDC Summit. Gain access to insightfulnews, provider directories, dozens of educa-tional webinars, community forums and theRDC Solution Finder network. Become amember today!Contact: John LeekleyPhone: 888-290-1581Fax: 888-290-1581Email:[email protected]: http://www.RemoteDepositCapture.comTwitter: @RDCTweetLinkedIn: remote deposit capture

Sonavation 704357 Hiatt Drive Palm Beach Gardens, FL 33418

Sonavation, a leader in advanced biometricauthentication solutions leveraging patentedultrasound imaging and data encryption technologies, will display its SonavationAXISKEY™, a small, personal biometricauthentication device that safeguards an individual’s personal, social, and workplaceaccounts, as well as their online identity andtransactions with a swipe of their finger.Contact: Bob StewartPhone: 207-321-1727Email: [email protected]: http://www.sonavation.com

SQN Banking Systems 60565 Indel Avenue, Box 423Rancocas, NJ 08073

SQN Banking Systems is a leading worldwideprovider of fraud detection solutions for thefinancial industry. SQN offers real-time fraudanalysis, exception item processing, cross-channel transaction analysis, check fraud detection, automated signature verification andsafe deposit management. SQN’s modularapplications offer flexible, cost effective fraudprotection for your financial institution.Contact: Rachel WoodmanPhone: 609-261-5500Fax: 609-265-9517Email: [email protected]: http://www.SQNBankingSystems.comLinkedIn: SQN-Banking-Systems

SurePayroll, Inc. 1062700 Patriot, Suite 300Glenview, IL 60025

SurePayroll provides easy online payroll services to small businesses nationwide. A wholly owned subsidiary of Paychex, SurePayroll combines innovative, industry-leading technology and security with personal-ized payroll support. Trusted by the nation’sleading financial institutions, SurePayroll provides private-label and co-branded payrollservices for our banking partners. www.SurePayroll.comContact: John O'NeillPhone: 847-676-8420 ext. 7368Fax: 224-260-4127Email: [email protected]: http://www.surepayroll.comTwitter: @SurePayrollFacebook: SurePayrollLinkedIn: surepayroll

SWIFT 3027 Times Square, 45th FloorNew York, NY 10036

SWIFT is a member-owned cooperativethrough which the financial world conducts itsbusiness operations with speed, certainty andconfidence. More than 10,000 banking organi-sations, securities institutions and corporatecustomers in 212 countries trust us every day toexchange millions of standardised financialmessages.Contact: Beatriz BuendiaPhone: 212-455-1892Email: [email protected]: http://www.swift.comTwitter: @swiftcommunityLinkedIn: swift

Systar, Inc. 5328618 Westwood Center Drive, Suite 240Vienna, VA 22182

Leading provider of performance managementsoftware that enables large organizations tomaximize the efficiency of their business operations and IT infrastructure. Systar enablesbusiness & IT managers to achieve greateroperational agility by delivering the situationalawareness and actionable information neededto anticipate events, mitigate risks and seizeopportunities.Contact: Thibault MenardPhone: 571-216-2602Email: [email protected]: http://www.systar.com

Temenos 700200 South Biscayne Blvd., Suite 3580Miami, FL 33131

Temenos, a market leader in banking softwarefor over 20 years introduces the Temenos Payments Suite (TPS), an agile, universal andchannel agnostic, revolutionary payments hubsolution. TPS has been developed in associa-tion with a large financial institution, whichcombines our many years of expertise in thepayments arena. Contact: Mari HerreraPhone: 305-798-8943Fax: 305-704-5101Email: [email protected]: http://www.temenos.comTwitter: @temenosLinkedIn: temenos

Third Party Payment ProcessorsAssociation (TPPPA) 5332301 East Indianola Avenue Phoenix, AZ 85016

The Third Party Payment Processors Association is a non-profit trade association of leading TPPPs across the nation. The Association provides advocacy and a voice inthe payments industry for third party paymentprocessors, their financial institutions and otherparties that benefit from the payment servicesthat TPPPs provide.Contact: Marsha Jones, AAP, NCPPhone: 602-402-0416Fax: 602-368-6291Email: [email protected]: http://www.tpppa.orgLinkedIn: TPPPA


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Pay2014_Onsite_8_PAY2012 3/13/14 3:35 PM Page 53

ThreatMetrix, Inc. 613160 W. Santa Clara Street, Suite 1400San Jose, CA 95113

ThreatMetrix™ secures Web transactionsagainst account takeover, payment fraud, identity spoofing, malware, and data breaches. The ThreatMetrix™ Global Trust IntelligenceNetwork provides context-based authentica-tion and Web fraud prevention to help compa-nies accelerate revenue, reduce costs andeliminate friction. ThreatMetrix protects over2,500 customers and 10,000 websites acrossmany industries.Contact: John LindnerPhone: 408-200-5700Fax: 408-200-5799Email: [email protected]: http://www.threatmetrix.comTwitter: @ThreatMetrixFacebook: ThreatMetrixLinkedIn: ThreatMetrix User Group

TransCentra, Inc. 1234855 Peachtree Industrial Blvd., Suite 245Norcross, GA 30092

TransCentra is America’s largest outsourcedremittance processor, one of the largest out-sourced billers and a top provider of imagingand payment processing platforms and software.TransCentra delivers multichannel billing andpayment solutions in both the consumer andbusiness-to-business markets across a variety ofindustries. For more information, visitwww.transcentra.com.Contact: Todd ShiverPhone: 678-728-2500Email: [email protected]: http://www.TransCentra.comTwitter: @TransCentraFacebook: TransCentraLinkedIn: transcentra

Trusteer 407545 Boylston Street, 5th FloorBoston, MA 02116

Trusteer is the leading provider of endpointcybercrime prevention solutions that protectorganizations against financial fraud and databreaches. Hundreds of organizations and mil-lions of end users rely on Trusteer to protecttheir computers and mobile devices from online threats that are invisible to legacy security solutions.URL: http://www.trusteer.com

US Dataworks 502One Sugar Creek Center Blvd., 5th FloorSugar Land, TX 77478

US Dataworks simplifies receivables processingwith our Clearingworks - NextGen ReceivablesSolution. Consolidate all your receivablesincluding, electronic, recurring, ACH and evenmailed-in payments into one simple solution.Cloud delivery makes it easy and affordable tomigrate your current business processes and provides full disaster recovery.Contact: Leilani DoylePhone: 281-504-8092Email: [email protected]: http://www.usdataworks.comTwitter: @usdataworksFacebook: https://www.facebook.com/usdataworks

VASCO Data Security 603293 Boston Post Road W Marlborough, MA 01752

VASCO Data Security is a leading provider of strong authentication and e-signature solutions to financial institutions in 100+ countries. VASCO brings user authenticationand transaction data signing capabilities intocorporate cash management and retail bankingapplications to combat cyber fraud. 1,700+ FIscurrently utilize VASCO's hardware, mobile,and out-of-band products.Contact: Victoria AbramsonPhone: 508-366-3400Email: [email protected]: http://www.vasco.com

Verafin 724570 Newfoundland Drive St. Johns, N.L. A1A 5B1

Verafin is a leader in enterprise behavior-basedFraud Detection and Anti-Money Laundering(FRAML) software with a customer base ofover 1100 financial institutions across NorthAmerica and has industry endorsements in 44states across the U.S. For more information,visit www.verafin.com, email [email protected] or call 866.781.8433.Contact: Kelly HemeonPhone: 709-752-3050Email: [email protected]: http://www.verafin.com

WACHA/PAR 708W177 N9856 Rivercrest Drive, Suite 105Germantown, WI 53022

WACHA/PAR provides value to the payment industry through high quality products, services, education, consulting and risk management expertise.Contact: Michele BarlowPhone: 262-345-1245Fax: 262-345-1246Email: [email protected]: http://www.wacha.org

WAUSAU Financial Systems 300875 Indianhead Drive Mosinee, WI 54455

WAUSAU is recognized for consistently delivering best-of-breed financial technology,services and solutions. We partner with indus-try-leading financial institutions & corpora-tions, offering flexible delivery options to meettheir needs. We’re focused on being the best at:-Integrating receivables -Eliminating paper -Accelerating deposits and paymentsThat’s why thousands of organizations depend on us.Contact: John GustafsonPhone: 866-280-1426Email: [email protected]: http://www.wausaufs.comTwitter: @wausau_fsFacebook: wausaufsLinkedIn: wausau financial systems

Western Union® Payments 40112500 E Belford Avenue Englewood, CO 80112

Western Union® Payments partners with the country’s largest billers to provide cus-tomized presentment & payment strategies that deliver value. We offer comprehensiveelectronic & walk-in payment solutions, innovative mobile tools, & proven digital communication programs, all of which arebased on free consultation & analysis servicesthat provide our clients.Contact: Cynthia WalliserPhone: 800-525-6313Email: [email protected]: http://payments.westernunion.com/nacha


EXHIBITORS

Exhibitors



CONFIRMATION OF ATTENDANCE

The Association for Financial Professionals has approved the following program for CTP/CCM recertification credits:

Sponsor: NACHA – The Electronics Payments Association

Program: Payments 2014

Program Date/Location: April 6 – 9, 2014/Orlando, FL

Number of Eligible Recertification Credits: 23.1

NOTE: Recorded/archived programs must have an accompanying assessment to be eligible for CTP/CCM credits

Determining Allowed Credits: CTPs and CCMs are responsible for determining the number of credits earned based upon actual attendance, at the rate of one credit for every 50 minutes of qualified cash/treasury or finance related continuing education.

The following are sessions that do not qualify for recertification credits:§ Sessions specific to organizational products and/or sales§ Fundamental or introductory courses in finance or cash/treasury management§ Career development sessions not specific to finance or cash/treasury management§ Business development sessions not specific to finance or cash/treasury management§ CTP exam preparation sessions

Reporting of Credits: CTPs/CCMs must report credits directly to AFP at the end of the recertification cycle. Credits should be submitted via the online Recertification Resource Center or the paper form found on AFP’s Web site at www.AFPonline.org/recertguidelines. Documentation of credits is required if audited. CTPs and CCMs must retain documentation of their attendance for a period of two years after the end of their cycle in the event of an audit.

CREDIT RECORD:

I have earned _____CTP/CCM recertification credit(s) by attending this continuing education activity.


ACI6060 Coventry DriveElkthorn, NE 68022

ACI Worldwide powers electronic payments forfinancial institutions, billers, retailers andprocessors around the world with its broad andintegrated suite of electronic payment andbanking software.Contact: Paul McMeekinPhone: 402.778.1959Email: [email protected]: www.aciworldwide.comTwitter : @PaulMcMeekinLinkedIn: http://www.linkedin.com/pub/paul-mcmeekin/5/9a3/a6a

BIM Networks116 W. 23rd StreetSuite 500New York, NY 10011

BIM is a mobile platform that powers smart-phone applications, combining white-labeled,low-cost, guaranteed ACH payments and marketing. BIM is easy to use and allows shoppers to pay securely in stores and online,and to interact with brands in a more relevantand customized manner.Contact: Jamie ThomasPhone: 617.216.3352Email: [email protected]: http://www.bimnetworks.comLinkedIn: www.linkedin.com/company/bim-networks

CardinalCommerce Corporation6119 Heisley RoadMentor, OH 44060

Change + Choice = Control: 2IDENTIFI’sextensible technology enables relevant con-sumer authentication for the evolving virtualchannels. 2IDENTIFI incorporates consumer’sfondness for mobile, plus GEO location/proxypiercing technology. With 2IDENTIFI there isa new choice, a FI is not tied to the 3-D Secureselected years ago by its card processor.Contact: Janet KapostasyPhone: 877.352.8444Email: [email protected]: http://www.cardinalcommerce.com/ Twitter : @CardinalCommercFacebook:https://www.facebook.com/CardinalCommerceLinkedIn:www.linkedin.com/company/CardinalCommerce

Finovera860 Hillview CourtSuite 220Milpits, CA 95035

Finovera is reinventing how people managetheir bills and finances. It automatically gathers, organizes and helps consumers managetheir bills, accounts and family documents in one secure place effortlessly. Financial Institutions and Billers use Finovera platform to increase customer engagement, lower support costs and save money by increasingpaperless adoption.Contact: Purna PareekPhone: 408.935.8011Email: [email protected]: https://www.finovera.comTwitter: @finoveraFacebook: http://www.facebooks.com/finoveraLinkedIn: http://www.linkedin.com/finovera

IBM20 Old Post RoadArmonk, NY 10504

IBM extends the power of IBM FinancialTransaction Manager with a real-time processing, pre-integrated solution forNACHA payment processing. From ingestionthrough distribution it provides the control, visibility and governance of a modern payments systemContact: Cynthia HinmanPhone: 303.979.4851Email: [email protected]

iMobile38505 Baycenter Road Jacksonville, FL 32256

iMobile3 mobilizes the world's most recognizedbrands with its products and services, becominga leader in the delivery of enterprise applica-tions and payment solutions. iMobile3 has alsopublished PassMarket - the industry's firstmobile wallet-enablement program designed toplace any business inside the leading providersincluding Apple Passbook and Google Wallet.Contact: Matt BishopPhone: 866.870.4660Email: [email protected]: www.iMoblile3.comTwitter : @iMobile3Facebook: https://www.facebook.com/imobile3LinkedIn: www.linkedin.com/company/imobile3

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Narrative Science303 East Wacker DriveSuite 1500Chicago, IL 60601

Narrative Science is the leading provider ofnatural language communication technologythat helps organizations analyze data and transform it into narrative reports. Ourpatented artificial intelligence platform,Quill™, mines data for meaning and insight toautomatically generate relevant and impactfulcommunications that are easy to understandand produced at an unprecedented scale. Contact: Katie FureyPhone: 312.219.8642Email: [email protected] URL: www.narrativescience.comTwitter : @narrativesciFacebook:https://www.facebook.com/narrativescienceLinkedIn: www.linkedin.com/company/narrative-science

Paydiant40 Walnut StreetSuite 400Wellesley, MA 02481

Paydiant provides a white label mobile walletplatform that includes mobile payments, loyalty, offers, ATM cash access and relatedcommerce services. The patented cloud-basedplatform enables merchants and banks todeploy their own secure mobile wallet solutionsunder their own brands, in their own apps.Contact: Kim HinePhone: 617.633.8578Email: [email protected]: www.paydiant.comTwitter : @PaydiantFacebook: https://www.facebook.com/paydiantLinkedIn: http://www.linkedin.com/paydiant

Ripple Labs118 2nd (at Mission), 4th floorSan Francisco, CA 94105

Ripple Labs developed the Ripple protocol, anopen-source, distributed payment protocol andcurrency. It enables free and instant paymentswith no chargebacks and in any currency –including dollars, yen, euros, and even Bitcoin.Ripple has the potential to transform paymentsto work like communications -- global, instantand free.Contact: Patrick GriffinPhone: : 504.899.7570Email: [email protected]: www.ripplelabs.com and www.ripple.comTwitter: @ripplelabsLI: http://www.linkedin.com/company/ripple-labs

Sonavation AXISKEY357 Hiatt DrivePalm Beach Garden, FL 33418

The Sonavation AXISKEY is an affordable per-sonal ultrasound biometric identity device thatoffers better than federal-grade data encryption.It’s a cyber-perimeter defense system built onSonavation’s strongly-patented ultrasoundimpediography sensor platform. Sonavationprovides a secure, one-to-one match of an indi-vidual’s fingerprint with Six Sigma accuracy.Our product roadmap expands that match fromungloved to gloved identification by readingnot just the surface fingerprint ridges and swirlsbut also a dynamic, deep tissue and vascularmap of the fingertip. That deep tissue scanningencompasses all seven layers of the epidermis,plus the underlying fat pad, fascia, micro vascu-lar and vascular, plus the arterial blood flow,bone structure, and nail bed. It can read zero toeight millimeters deep into the tissue, and withthe temporal dimension can read the systolicand diastolic pressure wave of the user’s heart-beat. Sonavation’s patented deep tissue imagingand authentication platform ensures a failsafeone-to-one identity match across a broad arrayof device form factors enrolled including biometrically actuated smartphones, smart-cards, access control systems, and more. Contact : Stephen DrusanoPhone: (323) 592-3062Email: [email protected]: www.Sonavation.com

https://payments.nacha.org I 1-800-487-9180 57 PAY

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AAP Continuing Education Credit

Documentation of Attendance

NACHA has approved the following program as eligible for AAP Renewal Credit. AAP guidelines require that AAPs retain documentation of courses. SPONSOR: NACHA PROGRAM: PAYMENTS 2014 DATE: April 6 – 9, 2014 – Orlando, FL CODE: 140004 CREDITS: Up To 20.0* AAP Renewal Credits in the Recording Year January 1, 2014 – December 31, 2014. Only attendance at seminars covering ACH topics defined by the Accredited ACH Professional Continuing Education Program Guidelines may be recorded for credit. One continuing education credit may be earned for each 50 minutes of a seminar or training session in which you participate in a qualified topic area (excluding breaks). To determine the number of credits you have earned, add the total number of minutes in which you attended sessions in the qualified topics and divide by 50. Please retain this form as it will be required to document your attendance at this program in the event you are randomly selected to participate in an audit of AAP renewal credits submitted for 2014. AAP Credit Record: I Attended Sessions in the ACH Field that qualify for ___________________ (Maximum of 20.0) AAP Renewal Credits.

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lerts

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d 11

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ncem

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in M

obile

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men

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chno

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ysta

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tegi

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rspe

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nked

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tal H

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tal N

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r ACH

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nary

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aym

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and

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at t

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men

ts –

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stal

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p.m

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ifyin

g Fi

nanc

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ervi

ces:

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ms

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pons

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by

3:45

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4:30

p.m

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.m. –

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0 p.

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efre

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in th

e Ex

hibi

t Hal

l

3:50

p.m

. – 4

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p.m

. Edu

catio

nal S

essi

on in

the

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it Ha

ll –

How

to Im

prov

e Yo

ur O

rgan

izatio

n’s S

ocia

l Med

ia P

rofil

e

4:30

p.m

. –

5:30

p.m

.In

crea

sing

Cus

tom

er E

ngag

emen

t in

Aut

hent

icat

ion

– Cr

ysta

l K-M

The

Case

for D

ebit

Card

Rem

ittan

ce

– Cr

ysta

l N-Q

Mob

ile B

ill P

aym

ent &

Pr

esen

tmen

t (M

BPP)

Insi

ghts

for

Bille

rs –

Cr

ysta

l A-C

Corp

orat

e Pr

iorit

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for P

aym

ents

–

Gran

d 13

-14

Tips

for C

uttin

g Ed

ge e

Paym

ents

&

eRem

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ce S

olut

ions

–

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ry 1

-2

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Apps

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e It:

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eler

atin

g Ca

sh F

low

for S

mal

l Bus

ines

s –

Gr

and

11-1

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Data

Mon

etiza

tion

in th

e Pa

ymen

ts

Indu

stry

– C

ryst

al G

Leve

ragi

ng M

obile

to B

ring

Fina

ncia

l Ser

vice

s to

the

Unde

rban

ked

– Cr

ysta

l D-F

The

Gate

keep

er P

arad

igm

– C

ryst

al

HLe

vera

ging

the

ACH

Netw

ork

for

P2P

Paym

ents

– C

anar

y 3-

4Th

e Ch

angi

ng F

ace

of C

ross

Bo

rder

Pay

men

ts –

Gra

nd 9

-10

6:30

p.m

. –

8:30

p.m

.M

ONDA

Y NI

GHT

CELE

BRAT

ION

Co

-spo

nsor

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y

Sund

ay, A

pril

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OR

LA

ND

O W

OR

LD

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NT

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MA

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ran

sfor

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mag

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in

to S

trat

egic

In

nov

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WE

LCO

ME

TO

Spotlight Speaker Series

Card-Based

Opportunities

Corporate Paym

ents Solutions

Mobile Banking &

Paym

entsPaym

ents Strategies

Risk, Com

pliance &

Fraud PreventionThe AC

H N

etwork

& the N

ACH

A

Operating Rules

World Paym

ents V

iewpoint

Sponsored bySponsored by



7:30 a.m.–

5:30 p.m.

REGISTRATION OPEN – Palms Ballroom

Foyer

7:30 a.m. –

8:00 a.m.

CONTINENTAL BREAKFAST – Crystal Ballroom Atrium

8:00 a.m. –

9:00 a.m.

Are Bank Innovations Meeting

Salient Consumer Needs? –

Crystal J

Whatever You Do, W

herever You Go Som

ebody is Watching

You – Crystal K-M

Case Study: Bringing Payment

Processing Technology Full Circle – Grand 9-10

Using Artificial Intelligence to Im

prove Your Compliance

Processes – Crystal H

Enterprise Risk Managem

ent in Today’s Global Business Landscape – Crystal D-F

The Intersection Between Paym

ent Risk Managem

ent &

BSA/AML Com

pliance – Crystal N-Q

Case Study: Automating

Renewals of ACH Origination Agreem

ents – Crystal A-C

Same-Day ACH: Lessons

& Perspectives from

Other Geographies – Grand 11-12

Adoption of ISO 20022 Standards in the Global Paym

ents Markets: W

hat is the U.S. Doing? – Grand 13-14

9:00 a.m. –

10:00 a.m.

Refreshment Break in the Exhibit Hall | 9:05 a.m

. - 9:45 a.m. | Ripple Labs Narrative Science Sonnavation AXISKEY

10:00 a.m. –

11:15 a.m.

The Road to eReceivables: From

Outsourced Lockbox to Electronic Paym

ents – Crystal D-F

Payments Collection Success

Story: A Win/W

in Proposition – Grand 9-10

Pay & Play: W

hen Virtual Currencies Get Real – Canary 1-2

The Disruptors: Challenging the Banking Status Quo – Crystal G

Check Up for ACH Healthcare Claim

Payments – Grand 13-14

Legal & Regulatory

Environment for the Electronic

Payment Order (EPO) – Crystal

HDouble Vision: Legal &

Operational Issues Regarding Duplicate Presentm

ent – Grand 11-12

Next Steps in Active Defense Against Cyber Attacks – Canary 3-4

Clarifying Third Party Roles &

Responsibilities – Crystal N-QPaym

ents Going Global: Insights into a Changing Landscape – Crystal A-C

Building the 3D Global ACH Puzzle – Crystal K-M

11:30 a.m. –

1:15 p.m.

2014 NACHA PAYMENTS SYSTEM

AWARDS LUNCHEON – M

aking Lemonade: Creating a Com

petitive Advantage When the Chips Are Down – Palm

s Ballroom Sponsored by

1:30 p.m. –

2:30 p.m.

Profitably Serving the Unprofitable Consum

er – Grand 13-14

Future of B2B Payments –

Grand 11-12

Paying to Win: Sound Business

Practices in Electronic Paym

ents – Canary 3-4

How Consumers Use M

obile Financial Services &

Why It

Matters – Crystal D-F

Confirming Identity Through

a Multidim

ensional Prism –

Crystal K-M

The Effects of Regulation on Virtual &

Digital Currencies – Crystal N-Q

Busting Fraud Rings with Social Link Analysis – Grand 9-10

Driving ACH Adoption in Small

Businesses – Crystal H

Account Validation: A Vision for a Brighter Tom

orrow – Canary 1-2

Same-Day ACH in the U.S.:

Defining a Ubiquitous Capability for the ACH Network – Crystal H

Playing in the International Paym

ents Space – Crystal G

2:30 p.m. –

3:15 p.m.

Refreshment Break in the Exhibit Hall | 2:35 p.m

. - 3:15 p.m. | Paydiant Finovera, Inc. iM

obile3

3:15 p.m. –

4:15 p.m.

What’s Next for P2P: Today’s

Lessons for the Future – Crystal J

Finding Order in Chaos: The Legal Environm

ent of Cards – Crystal K-M

EMV: On Track for U.S. M

igration – Crystal D-F

Smart Routing: W

hy Corporates &

Financial Institutions Should W

ork Together – Grand 13-14

Mobile W

allets & Paym

ents: Yes? or Not Yet? – Grand 9-10

Legal & Regulatory

Perspectives on Stop Payments

– Crystal G

Preparing For Tomorrow’s

AML &

Terrorist Financing Challenges – Crystal A-C

Managing Risk &

Minim

izing Friction – Canary 1-2

The Next Generation of ACH Authentication – Grand 11-12

International Payments

Framework (IPF) Association’s

Path into the Future – Crystal N-Q

4:30 p.m. –

5:30 p.m.

The Payments Revolution: The

Role of Non-Banks – Crystal G

The Value of Corporate Mobile

Banking Services – Grand 9-10

Mobile Bill Paym

ents with QR Bill – Grand 11-12

Winning the M

obile Bill Paym

ents Game – Grand 13-14

Consumer Regulatory Im

pact on Your Com

mercial Business

– Crystal H

Can eCash & Virtual Currency

Compete with Other Electronic

Payments? – Crystal K-M

Regulatory Change M

anagement for Com

munity

Banks & Credit Unions –

Crystal D-F

Financial Data Security: Lessons Learned from

Higher Education – Crystal N-Q

Target RedCard: Success in Growth – Canary 1-2

Enterprising Innovators See Disruptive Value in ACH – Canary 3-4

Navigating Canadian Payments

Regulation – Crystal A-C

5:30 p.m. –

7:00 p.m.

TUESDAY EVENING RECEPTION in the Exhibit Hall | 5:35 p.m. – 6:30 p.m

. | CardinalComm

erce IBM BIM

Networks ACI

Tuesday, April 8

Spotlight Speaker Series

Card-Based

Opportunities

Corporate Paym

ents Solutions

Mobile Banking &

Paym

entsPaym

ents Strategies

Risk, Com

pliance &

Fraud PreventionThe AC

H N

etwork

& the N

ACH

A

Operating Rules

World Paym

ents V

iewpoint




8:00 a.m.–

12:00 p.m.

REGISTRATION OPEN – Palms Ballroom

Foyer

8:00 a.m. –

8:30 a.m.

CONTINENTAL BREAKFAST – Crystal Ballroom Atrium

Sponsored by

8:30 a.m. –

9:30 a.m.

Payment System

Priorities: W

hat the Fed Has Learned – Crystal J

Sponsored by

9;45 a.m. –

10:45 a.m.

More than Just W

age Paym

ents: The Next Generation of Payroll Puts the Em

ployee First – Grand 9-10

Sound Business Practices in Payables &

Receivables Integration: A Case Study – Canary 3-4

Breaking Down the Barriers to M

oving Money – Crystal K-M

Consumer Purchasing Habits

& A True Om

ni-Channel Shopping Experience – Grand 11-12

Mining Paym

ents Data Inside a Financial Institution: A Case Study – Grand 13-14

Top Ten Risk Managem

ent Strategies for New Product Innovation – Crystal A-C

Mitigating the Risks of

Payments Fraud with Anom

aly Detection: A Case Study – Canary 1-2

Under the Microscope: W

here Reality M

eets Regulation – Crystal G

Post Payment System

(PPS): Paym

ent Integrity’s Next Generation – Crystal H

Onboarding ACH Originators – Crystal D-F

Leveraging Payments

Innovation to Meet Custom

ers’ Expectations – Crystal N-Q

11:00 a.m. –

12:00 p.m.

The Unintended Consequences of the Durbin Am

endment –

Crystal D-F

Maxim

izing Customer Use

of Automatic Paym

ents &

Paperless e-Billing – Crystal A-C

Group Therapy for Receivers of Bad Rem

ittance Information –

Grand 13-14

Developments in Securing

Tablet-Based POS Devices – Grand 11-12

From Statistics to Strategy:

Turning Gen Y Trends into Tactics – Crystal G

Transforming into the Branch

of the Future – Canary 3-4

Key Risk Issues & the ACH

Network – Crystal H

Operation Ababil: Lessons Learned &

the Future of Inform

ation Sharing – Crystal N-Q

Emerging Threats &

Trends in Electronic Paym

ents Fraud – Canary 1-2

Leveraging the FedACH®

SameDay Service in the

Heartland – Grand 9-10

Streamlining Treasury

Operations Across the Globe – Crystal K-M

12:00 p.m.

Conference Concludes See You Next April in N

ew O

rleans

Wednesday, A

pril 9

NACHA—The Electronic Payments Association13450 Sunrise Valley Dr., Suite 100

Herndon, VA 20171 USAhttps://payments.nacha.org

This brochure is 100% Wind Powered | Carbon Neutral | FSC Certified | SFI Certified

See you next year!


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