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40th Anniversary Payments Conference
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Each conference registration includes the 40th Anniversary Dinner and Awards Ceremony. Additional Dinner Tickets may be purchased for $75 per ticket.
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40th Anniversary Payments Conference

Big Ideas in Payments
September 17, 2013 to September 18, 2013

 

CLICK HERE TO DOWNLOAD THE CONFERENCE BROCHURE. 

   CONFERENCE SCHEDULE DINNER & AWARDS CEREMONY EXHIBIT & SPONSORSHIPS
   HOTEL SESSION DESCRIPTIONS SPEAKER BIOGRAPHIES
   


This conference is dedicated to NEACH member financial institutions, companies and vendors who have helped grow the ACH Network for four decades.  Special recognition goes to all of the countless individuals who have helped develop, implement, and advance the acceptance of electronic payments.

  Join Us and Learn Who Should Attend 
 
  • How a more stringent regulatory environment impacts your payments business
  • What the important issues are in cyber security and risk management
  • What are the changes in the ACH Network and the payments landscape
  • Where opportunities lie and how to take advantage of them
  • Why mobile is a game-changer and what the risks are

The 40th Anniversary Payments Conference – Big Ideas in Payments provides targeted content for:

  • Payments Executives
  • Strategists
  • Managers
  • Consultants
  • Analysts
  • Technologists
  • Payments Professionals
 


 CONFERENCE SCHEDULE

TUESDAY, SEPTEMBER 17, 2013

 8:00AM

REGISTRATION & EXHIBITS OPEN

 8:30 AM -10:00 AM

WELCOME BREAKFAST & GENERAL SESSION - Banking Regulations: What You Don't Know CAN Hurt You
Paul Carrubba, Partner, Adams and Reese, LLP

10:00AM - 10:30AM

BREAK WITH EXHIBITORS

 10:30AM - 11:30AM

Applying Regulatory Guidance to Mobile Payments
Tony DaSilva, AAP, CISA, Senior Examiner, Federal Reserve Bank of Atlanta

INTH3WILD: Cybercrime Trends Affecting Your Customers
Amy Blackshaw, CISSP, Principal Product Marketing Manager, RSA

11:30 AM - 11:45 AM

BREAK WITH EXHIBITORS

11:45 AM - 12:45 PM

Reg CC: New Rules are Coming on Overdrafts
Joseph T Lynyak, III, Partner, Pillsbury Winthrop, Shaw & Pittman, LLP

Is Prepaid a Game-Changer for Financial Institutions
Jeanne Capachin, AAP, Senior Consultant, Graber Associates

12:45 PM - 2:00 PM

LUNCH WITH EXHIBITORS

2:00 PM - 3:00 PM

Evolution in the ACH – Point & Counterpoint
Jane Larimer, EVP, ACH Network Administration & General Counsel, NACHA
Rene Pelegero, President & Managing Director, Payments Global Consulting Group LLC

Bullet-Proofing Payment Services: Business Continuity Issues
Dawn M Dillon, CIO, Senior Vice President & Technology & Banking Operations, Salem Five Bank
Diana Carito, SVP, Director of Enterprise Risk Management, Salem Five Bank

3:00 PM - 3:15 PM

BREAK WITH EXHIBITORS

3:15 PM - 4:15 PM

Refining & Managing Your Appetite for ACH Risk
Pam Rodriguez, AAP, CIA, CISA, EVP, Risk Management & Education, EastPay, Inc.
Shirley Inscoe, Senior Analyst, Aite Group

Mobile Payments: Strategies for Success
Debbie Smart, CTP, NCP, SVP, Product Management, Aptys Solutions

4:15 PM - 5:30 PM

RECEPTION WITH EXHIBITORS

5:30 PM - 8:30 PM

40th ANNIVERSARY DINNER & AWARDS CEREMONY
40 Years in Payments: Check the Rear View Mirror Before Proceeding

Richard Oliver, Payments System Consultant

WEDNESDAY, SEPTEMBER 18, 2013

8:00 AM - 10:15 AM

GENERAL SESSION BREAKFAST- Winning the Battle or Down for the Count: Cyber Considerations
Moderator:
Doug Johnson, Vice President and Senior Advisor, Risk Management Policy, American Bankers Association
Michael Benardo, Chief, Cyber Fraud and Financial Crimes Section, Federal Deposit Insurance Corporation

Nicole Muryn, Director, Regulatory and Legislative Affairs, BITS division of Financial Services Roundtable
Sari Stern Greene, CRSC CISSP CISM NSA/IAM, Founder, Sage Data Security, LLC

10:15 AM - 10:30 AM

BREAK

10:30 AM - 11:30 AM

Patent Infringement: What's the Buzz and What it Means to You
L. Cary Whaley, AAP, NCP. Vice President, Payments & Technology Policy, Independent Community Bankers of America

The Federal Reserve’s Enhanced Same-Day ACH: Six Months Later
Steven Cordray, Retail Payments Project Director, Federal Reserve Bank of Atlanta
Brian Collins, eBanking & Payment Services Director, Senior Vice President, Enterprise Bank

11:45 AM - 2:00 PM

CLOSING LUNCH & GENERAL SESSION - Opportunity Knocks: 40 Reasons to be Excited about Payments
Moderator: Richard Oliver, Payments System Consultant
Janet O. Estep, President & CEO, NACHA

Virginia Heyburn, Vice President of Insights and Advocacy, Fiserv
Richard Burke, Jr. Head - Corporate Products & Services, TD Bank

  

SESSION DESCRIPTIONS


TUESDAY, SEPTEMBER 17, 2013

8:00 AM
REGISTRATION & EXHIBITS OPEN

8:30 AM – 10:00 AM
WELCOME BREAKFAST & GENERAL SESSION

Banking Regulations: What You Don’t Know CAN Hurt You
Paul Carrubba, Partner, Adams and Reese, LLP
There has been significant expansion and growth in banking regulations over the past few years. Financial institutions have become the target of lawsuits and a hostile banking environment. Institutions could face significant fines, fees, and penalties from government agencies and lawsuits for failure to comply with the ever-changing government regulations. As an attorney steeped in payments law, Paul Carrubba has seen it all over the years. He will discuss banking regulations in general, the expansion and growth of regulation, and the implications that this stringent regulatory environment can have on your financial institution. He will address Reg. D, Reg. E, Reg. CC, Reg. DD, Bank Secrecy Act/Anti-Money Laundering, and the FFIEC guidances on Remote Deposit Capture and Authentication in an Internet Banking Environment. Mr. Carrubba will also discuss recent lawsuits and regulatory assessment of fines and fees against financial institutions for failure to comply with the regulations – adding his perspective about available courses of action you can take to protect your institution.

10:00 AM – 10:30 AM
BREAK WITH EXHIBITORS

10:30 AM – 11:00 AM
Applying Regulatory Guidance to Mobile Payments

Tony DaSilva, AAP, CISA, Senior Examiner, Federal Reserve Bank of Atlanta
The mobile environment is in the midst of rapid development and change, but the regulatory environment is neither well developed nor well understood. In this session, Tony DaSilva, a long-time examiner for the Fed, focuses on the emerging use of mobile technologies that are enabling mobile banking and mobile payments. He will discuss the current environment, the various industry participants, and their roles in moving the industry forward – and he will highlight regulatory concerns, consumer protection issues, and current industry recommendations.

INTH3WILD: Cybercrime Trends Affecting Your Customers
Amy Blackshaw, CISSP, Principal Product Marketing Manager, RSA
Cybercrime continues to diverge down different paths with each new year that passes. In 2013, cybercriminals changed the way they organize and target new users and new platforms, online transaction-based activities continued to be exploited, and hacktivism-related attacks continued to rise as a way to commit corporate espionage, push political agendas or cause reputational damage. The RSA Anti-Fraud Command Center (AFCC) has developed a list of the top cybercrime trends it expects to see evolve. The AFCC is on the forefront of threat detection and cybercrime intelligence, protecting global organizations with the shutdown of nearly 800,000 cybercrime attacks and preventing $7.5 billion in fraud losses. In this session, Amy Blackshaw, Principal Product Marketing Manager, RSA will review the current state of cybercrime based on our experience and insight tracking cybercriminal activity and provide a series of predictions on what to expect from cybercriminals over the next 12 months.

11:30 AM – 11:45 AM
BREAK WITH EXHIBITORS

11:45 AM – 12:45 PM
Reg CC: New Rules are Coming on Overdrafts

Joseph Lynyak, III, Partner, Pillsbury Winthrop Shaw Pittman LLP
As a result of the continued number of large class action settlements, the issue of overdrafts and NSF methodologies remains a significant risk management concern. This session will review developments in this area, including current best practices, bank regulatory and CFPB pronouncements, as well as proposed amendments to Regulation CC and other governing rules.

Is Prepaid a Game-Changer for Financial Institutions?
Jeanne Capachin, AAP, Senior Consultant, Graber Associates
Until recently financial institutions have been standing along the sidelines as the prepaid card industry has grown and matured. Now, however, institutions are beginning to look at this burgeoning market. In this session, industry analyst, Jeanne Capachin, shares new research from the Online Banking Report and explains the basics of prepaid cards and how consumers are using them. Issues highlighted include: the role prepaid can play for institutions and consumers; some common misconceptions, regulations are steering growth and forcing compromise; and how banks can position prepaid as an alternative to the traditional DDA.

12:45 PM – 2:00 PM
LUNCH WITH EXHIBITORS

2:00 PM – 3:00 PM
Evolution in the ACH - Point & Counterpoint

Jane Larimer, EVP, ACH Network Administration & General Counsel, NACHA
Rene Pelegero, President & Managing Director, Payments Global Consulting
Group LLC

The need for faster payments continues to grow, prompting industry stakeholders to consider how best to position the ACH Network to meet the demands of advanced digital technology, speed and innovation. Speakers will discuss how payments are evolving in other countries and explore the challenges for similar solutions in the U.S. The discussion will review some solutions developed to create interfaces to allow real-time access to bank information as well as alternative routing innovations. NACHA will share lessons learned from the expedited processing and settlement rulemaking effort and involve the audience in an interactive discussion about future next steps. Presenters will engage in a point-counterpoint debate about satisfying the needs of market innovators while safeguarding the interests of smaller participants.

Bullet-Proofing Payment Services: Business Continuity Issues
Dawn M Dillon, CIO, Senior Vice President Technology & Bank Operations,
Salem Five Bank
Diana Carito, SVP, Director of Enterprise Risk Management, Salem Five Bank

What if Hurricane Sandy had caused substantial flooding and lengthy power outages throughout Massachusetts? Are you ready? Natural disasters can’t be prevented, but there are ways to reduce their traumatic effects on banks and their customers. Regarding payment systems, how have banks prepared to protect this mission-critical, time-sensitive, customer-facing necessity in today’s world? Compounding the issue is that payment systems are continually evolving not only in volumes processed but also in the alternative mechanisms used and the increased speed by which we process these volumes. Salem Five Bank will discuss its Business Continuity approach as it applies to payments. Attendees will gain insight into how to leverage real world experiences and available expertise to enhance their organization’s payments recovery plan.

3:00 PM – 3:15 PM
BREAK WITH EXHIBITORS

3:15 PM – 4:15 PM
Refining & Managing Your Appetite for ACH Risk
Pamela Rodriguez, AAP, CIA, CISA, EVP, Risk Management & Education, EastPay, Inc.
Shirley Inscoe, Senior Analyst, Aite Group

How do you determine your appetite for ACH risk? Session presenters – both industry veterans – will help you answer this question. Originator relationship management practices vary based on several factors. The AIM formula (Assess + Identify + Monitor) is one way to manage originator risk effectively. Presenters explain how they have learned to mitigate risk and to reap the rewards associated with ACH origination. Attendees will also benefit from understanding that risk management is an ongoing process and is essential from the inception of an account and throughout its lifecycle.

Mobile Payments: Strategies for Success
Debbie Smart, CTP, NCP, SVP, Product Management, Aptys Solutions
Mobile payments are rapidly becoming a significant “game changer” for financial institutions. Forrester Research has predicted that U.S. consumers will adopt mobile payments at an accelerating rate over the next five years, reaching $90 billion by the end of 2017. In this session, the presenter will filter through the dynamics of today’s mobile industry, the expectations of consumers and businesses, and the latest trends and advances in the mobile space, including mobile banking, mobile payments, personal financial management (PFM), and other consumer and business mobile applications. Participants will learn new ways to monetize their mobile product offerings as well as gain an understanding of how to move forward in this ever-evolving space.

4:15 PM – 5:30 PM
RECEPTION WITH EXHIBITORS

5:30 PM – 8:30 PM
40TH ANNIVERSARY DINNER & AWARDS CEREMONY
40 Years in Payments: Check the Rear View Mirror Before Proceeding

Richard Oliver, Payments System Consultant
In the 40 years since the dawn of the ACH, the U.S. Payments System has undergone profound change. The future is marked by the allure of the Internet and mobile payments, yet the past provides us with unmistakable clues as to how we can move forward more briskly than the sometimes glacier-like pace we’ve experienced. Hear a grizzled veteran’s views on how we can get out of the box to meet the challenges of the next 40 years, sponsor greater innovation, head off costly new regulation, protect our critical infrastructures, and address the looming issues of fraud and cyber security.

WEDNESDAY, SEPTEMBER 18, 2013

8:00 AM – 10:15 AM
GENERAL SESSION BREAKFAST
Winning the Battle or Down for the Count: Cyber Considerations

Moderator – Doug Johnson, Vice President and Senior Advisor, Risk Management Policy, American Bankers Association
Michael B. Benardo, Chief, Cyber Fraud and Financial Crimes Section, Federal Deposit Insurance Corporation
Nicole Muryn, Director of Regulatory and Legislative Affairs, BITS
Sari Greene, CRSC CISSP CISM NSA/IAM, Founder, Sage Data Security, LLC
Some security analysts have termed the state of our national cyber security a ‘national crisis’ and concerns continue to mount about how we can protect national networks and critical infrastructures, including financial services. Join a panel of experts to find out what’s taking place in Washington and how actions by Congress and the Administration are impacting banking and payments institutions like yours. Learn what the financial services industry is doing to combat cyber-crime and to safeguard institutions and their customers, and rebuild trust in the banking community as well as how cyber security issues are playing out in the payments environment. Session participants, who are actively engaged in these issues on a daily basis, include executives from the ABA, the FDIC, BITS/FS Roundtable and a security firm.

10:15 AM – 10:30 AM
BREAK

10:30 AM – 11:30 AM
Patent Infringement: What’s the Buzz and What it Means to You

L. Cary Whaley, AAP, NCP, Vice President, Payments & Technology Policy,
Independent Community Bankers of America

Patent infringement has recently emerged as a hot topic in many domestic industries, and this is especially true among financial services organizations. As companies seek to implement the America Invents Act, non-practicing entities, also referred to as “patent trolls,” are causing the number of patent lawsuits to soar, patent experts say. This session will present the key issues relating to patent infringement and provide examples of how this impacts financial institutions and their payments systems – as well as address potential legal and regulatory efforts aimed at keeping the trolls under the bridge.

The Federal Reserve’s Enhanced Same-Day ACH – Six Months Later
Steven Cordray, Retail Payments Project Director, Federal Reserve Bank of Atlanta
Brian Collins, eBanking & Payment Services Director, Senior Vice President, Enterprise Bank

As the Federal Reserve reaches the six-month anniversary of the first full domestic same-day ACH service offered in the U.S., it is time to review the lessons learned from the April 2013 rollout of the same-day ACH clearing and settlement service from FedACH. Steven Cordray has been with the program from its start. He will discuss both current and future same-day payment applications using credit push and debit pull models, including payroll, trade payments, cash concentration, merchant payments, person-to-person (P2P) and mobile payments. The session offers an in-depth review of the business opportunities later deadlines, expedited returns, and earlier collection via ACH could have for your organization.

11:45 AM – 2:00 PM
CLOSING LUNCH & GENERAL SESSION
Opportunity Knocks: 40 Reasons to be Excited about Payments

Moderator – Richard Oliver, Payments System Consultant
Richard Burke, Jr., Head – Corporate Products & Services, TD Bank 
Janet O. Estep, President & CEO, NACHA
Virginia Heyburn, Vice President, Insights and Advocacy, Fiserv

Industry initiatives, new technologies, new formats, payments convergence, faster payments … business-to-business payments, administrative simplification in healthcare payments, person-to-person payments, cross-border commerce and remittance payments, imaging, remote deposit capture, social media, social payments, alternative payments, online payments, mobile banking, mobile payments, mobile P2P payments, mobile RDC, prepaid cards … the list goes on. Despite the impacts of regulation and new threats, now is an exciting time to be in the payments industry. Forty years ago when NEACH was founded, nobody would have imagined the variety and range of payment services that exist today. Listen to what industry thought leaders are thinking about – not what keeps them up at night but what brings them to work in the morning. Share the enthusiasm and take back concrete ideas that you can apply in your own institution.

40th ANNIVERARY DINNER & AWARDS CEREMONY

Join NEACH for dinner and drinks as we celebrate NEACH’s first 40 years and recognize our members’ accomplishments in Payments at our 40th Anniversary Dinner & Awards Ceremony on September 17th at 5:30-8:30pm.

Your conference registration includes attendance at the Dinner & Awards Ceremony.  If you would like to bring a guest(s) to the Dinner & Awards Ceremony, additional tickets are available for $75 per ticket. 

Discounted dinner tickets are available for groups of 5 or more at $60/ticket.  Email Sandra Savage at ssavage@neach.org for more information on a multiple ticket purchase.

HOTEL INFORMATION

Burlington Marriott Hotel
One Mall Road, Burlington, MA

  • NEACH has secured a room block at the Burlington Marriott at the discounted rate of $179 per night.   This special rate is good until Tuesday, September 3, 2013.
  • Overnight rooms are not included in your registration fee. You are responsible for making your own hotel reservations.
  • To reserve your room, call (888) 442-0396 or (781) 328-0589 and please reference "NEACH 40th Anniversary Conference" when booking your room.

Click here for driving directions to the Boston Marriott Burlington .


EXHIBITORS & SPONSORS


Aptys Solutions
Exhibitor

Aptys Solutions provides the industry’s only true, common platform for financial institution payment processing. Aptys enables banks and credit unions of all sizes to support payment processing and least cost routing for image exchange, ACH, wires, Federal Reserve messages, in-network exchange (INEX), mobile payments, and emerging technology through a unified payments platform.
http://www.aptyssolutions.com/


Bankers' Bank Northeast
Totebag Sponsor

Bankers’ Bank Northeast (BBN) is an award winning correspondent bank offering services to community banks and credit unions throughout the Northeast and New Jersey.   Since 1998 BBN has provided innovative, high quality and competitively priced financial solutions that support client initiatives for meeting their strategic objectives.  BBN takes a consultative approach to business and offers credit, operational, risk control and lending options.  Bankers’ Bank Northeast – always a partner never a competitor. 
http://www.bankersbanknortheast.com/

 
Basys Processing
Exhibitor

BASYS is a direct processor for all of the major card brands and working with community banks is all we do. We follow a common sense approach to Merchant Services, believing that if it makes sense, we will find a way to make it work to ensure our banks look good. Being one of the Top 75 processors in volume makes us large enough to handle all of your portfolio's needs, but not too large so we can handle any requests in a timely manner.  Processing for over 1000 banking locations across the country, we take pride in our 97% annual merchant retention rate and our 99% bank retention rate.
http://www.basyspro.com/



ECCHO
Exhibitor

ECCHO is a not-for-profit, mutual benefit, national clearinghouse that is 100 percent owned by its member institutions.  Additional information on ECCHO’s primary functions of education, advocacy, and development of check image rules can be found on their website at www.eccho.org or by contacting Scott Miller at smiller@eccho.org or 406.442.4994.


The Federal Reserve Bank of Boston
Day 2 Breakfast Sponsor

The Federal Reserve was founded by Congress in 1913 to provide the nation with a safer, more flexible, and more stable monetary and financial system. The Federal Reserve carries out the nation’s monetary policy guided by the goals set forth in the Federal Reserve Act, namely "to promote effectively the goals of maximum employment, stable prices, and moderate long-term interest rates." The Federal Reserve collects regulatory and supervisory reports from financial institutions and other entities to carry out its various responsibilities. The Federal Reserve Banks provide financial services to depository institutions including banks, credit unions, and savings and loans, much like those that banks provide for their customers. These services include collecting checks, electronically transferring funds, and distributing and receiving cash and coin.
Email brian.clarke@bos.frb.org
Web: http://www.bostonfed.org/about/index.htm
 


Federal Reserve Bank Financial Services
Exhibitor

The Federal Reserve Banks operate the largest ACH, Funds and Securities Transfer, and Check Clearing networks in the United States. For over 90 years, the Reserve Banks have supported the modernization of the nation’s payment systems. Today, we’re leading the transition to electronic payments, while ensuring integrity, efficiency, and accessibility for all participants.
Web: http://www.frbservices.org/

Flexi Software
Exhibitor
  

Founded in 1991, Flexi develops, markets, and supports FlexiFinancials, accounting solutions for companies in a variety of industries.  Flexi Financial Accounting software modules include FlexiPayables, FlexiWorkflow, FlexiLedger, FlexiPurchasing, FlexiReceivables and other financial modules. Flexi has a proven track record of success for more than 20+ years with some of the industry’s largest companies.
Web: http://www.flexi.com/


Graber Associates LLC
Exhibitor

Founded in 2002, Graber Associates is a team of former bankers and technologists who offer expert services in the complementary disciplines of public relations, marketing and market research. We have experience in payments, operations, cash management, credit, and retail banking. Having been analysts and journalists ourselves, we speak their language and can convey your message to them and your clients.
Email info@graberassociates.net
Web http://www.graberassociates.net/

NACHA — The Electronic Payments Association
Day 2 Refreshment Break Sponsor

NACHA manages the development, administration, and governance of the ACH Network, the backbone for the electronic movement of money and data. The ACH Network provides a safe, secure, and reliable network for direct account-to-account consumer, business, and government payments. Annually, it facilitates billions of Direct Deposit via ACH and Direct Payment via ACH transactions. Used by all types of financial institutions, the ACH Network is governed by the fair and equitable NACHA Operating Rules, which guide risk management and create payment certainty for all participants. As a not-for-profit association, NACHA represents more than 10,000 financial institutions via 17 regional payments associations and direct membership. Through its industry councils and forums, NACHA brings together payments system stakeholders to foster dialogue and innovation to strengthen the ACH Network. To learn more, please visit www.nacha.org, www.electronicpayments.org, www.payitgreen.org, and http://direct.nacha.org.

NEACH'S 40th Anniversary Payments Conference is your opportunity to be a part of New England's premier payments conference. For information on available opportunities download the 40th Anniversary Payments Conference Exhibit & Sponsorship Guide or contact Sandra Savage at ssavage@neach.org / 781-321-1011.

CANCELLATIONS & SUBSTITUTIONS

Written notice of cancellation received prior to close of business on September 3, 2013 will entitle registrant to a full refund, minus a $50 processing fee. No refunds will be made after this date. Substitutions are allowed. No-shows are responsible for entire conference fee. Please email notification of a cancellation or substitution to info@neach.org.

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