Education


PRE-CONFERENCE WORKSHOPS

Core Concepts of Payments
Speaker: Sandy Ortins

The Building Blocks of Faster Payments
Speaker: Joe Casali

GENERAL SESSIONS

Becoming Digital: Charting the Future of Financial Services Technology
Mark Sievewright
Founder & CEO
Sievewright & Associates

We are privileged to be living in the Golden Age of financial services technology. Over the next decade, many of the concepts and technologies that we describe today as “emerging” - such as The Internet of Things, Artificial Intelligence and Wearable Technology - will be ubiquitous, and will have redefined and reshaped how we live, interact and make/receive payments! The following forecasts create a snapshot of our shared (and global) digital future: there will be close to 1 trillion sensors connected to the internet; about 90% of the world’s population will have readily available access to the internet; and, the vast majority of the global population will be using a smartphone to enable that access.The homes we live in will be “smart” beyond what we can imagine today with a substantial amount of internet traffic driven by in-home devices and appliances. What changes can we expect to see in financial services over the course of the next decade, and how can financial institutions remain relevant in this Golden Age of technology?

 

ACH Roadmap: Bridging the Future
Scott Lang
Senior Vice President, Association Services
NACHA – The Electronic Payments Association

Since its inception 44 years ago, the financial services industry has ensured that the ACH Network has continued to evolve to support new capabilities that enable banks, credit unions, fintechs and processors to deliver innovative solutions to safely and reliably move funds and information directly between companies, individuals and government agencies. At more than 26 billion payments annually, ACH is a cornerstone of the nation’s payments ecosystem. Hear where ACH payments are going as we look to the end of the decade, and how NACHA’s ACH Roadmap is bridging the future for ACH users.

 

The State of Payments Fraud and the Path of Least Resistance  
Jim Cunha
Senior Vice President, Treasury & Financial Services
Federal Reserve Bank of Boston

Maintaining strong payments security practices is a continuously moving target, given the ever-evolving payments ecosystem and dynamic nature of the threat environment. The commitment to improve security is a priority throughout the payments industry as evidenced by the ongoing collaboration across these issues. This session will cover the work efforts to support the payment industry such as the Federal Reserve’s payment fraud study. Hear from the Federal Reserve about a number of initiatives and collaborative efforts designed to tackle tough issues such as data protection, payment identity management and cybersecurity.

 

This Would Be Funny… If It Wasn't Happening to Me! 
Jody Urquhart
Motivational Speaker and Bestselling Author

A highly sought- after motivational speaker, Jody is passionate about spreading the message of the importance of fun and meaningful work. A motivational speaker for over 16 years, Jody's mission is to help motivate people to derive more meaning, fun and satisfaction from their work.


COMPLIANCE TRACK

2018 EMV Card Update, Contactless and Digital Security
Jenifer Stadler
Senior Director, Education & Communication
PaymentsFirst

October 1, 2015, the global payment acceptance of EMV chip cards was implemented in the United States, decreasing the percentage of counterfeit fraud in the card present environment over the last three years. Advancement in technology has provided new methods of accepting payments such as NFC mobile contactless payments and enhanced digital security. Many individuals in the U.S. have EMV chip cards in their wallets, yet merchants don’t necessarily understand how to correctly accept and process an EMV chip transaction, or even, how the shift in liability for losses may impact their businesses. In this session, we will review EMV and how it affects all parties involved in the U.S. today. 

Banking Marijuana, Getting into the Weeds
Lisa Herlihy
Senior Director
Shatswell MacLeod

Thirty states and the District of Columbia have legalized the sale of marijuana in one way or another, with additional states contemplating legalization. The Controlled Substances Act makes it illegal under federal law to manufacture, distribute, or dispense marijuana. This contradiction in law results in unique challenges for businesses participating in marijuana activities relative to obtaining banking services and for the financial institutions that seek to serve them. During this discussion, we will explore banking marijuana related businesses, discussing the highs and lows of these relationships, including the heightened regulatory considerations involved. We will also review the impact of the rescission of the Cole Memo, what should be considered prior to determining if this type of relationship will be welcomed at your financial institution, servicing requirements, and what needs to occur when the institution has decided not to bank this type of customer.  

Cyber Money Laundering: AML Goes Cyber
Ben Hayden
IT & Risk Consultant
Shazam  

The world of money laundering has grown far more sophisticated with the introduction of technologies such as high speed connectivity, virtual currencies and the Internet of Things. We’ll look at some high-profile cases where money launderers utilized the internet to launder money. We’ll also address the future of money laundering and what your institution can do to stop it before it happens.

Stop the Exploitation
Rayleen Pirnie 
Owner
RP Payments Risk Consulting Services, LLC

Financial exploitation of vulnerable account holders has taken some interesting turns over the past few years. Scammers aren’t just targeting seniors, but those with physical and mental disabilities, and even children. Join us to discover the newest trends of exploitation and fraud targeting our most vulnerable account holders. We’ll also explore how various departments can identify the red flags for fraud, reporting requirements, and more.

Understanding and Implementing Reg CC
Jenny Johnson
Director
ECCHO, The Clearing House

The Fed Board issued sweeping changes to Reg CC in May, 2017 which will go into effect on July 1, 2018. These changes make steps toward making the check system fully electronic. For the first time, Reg CC will recognize image exchange with new definitions and warranties. There are changes to encourage all financial institutions to accept electronic returns, changes to Check 21 requirements, new concepts, and new/changed definitions. While Reg CC delivers many changes, the Fed left the creation of operational processes to implement these changes to the banks, including processes to support: 

•    New RDC indemnity for remotely deposited checks,
•    New ECI indemnity for check-like payments that are created electronically, 
•    New electronic check warranties, 
•    New expeditious return requirements
 

FASTER PAYMENTS TRACK

Insights on ISO 20022-Digging into the DNA of Faster Payments
Nasreen Quibria

Managing Director, Founder
Q Insights

Joe Casali
Senior Vice President
NEACH

Peter Gordon
Vice President, Product Development and Innovation
Mastercard

ISO 20022 has become a key ingredient in the recipe for next generation systems around the globe. What is ISO 20022 and why the push to build immediate payment schemes on this standard? Speakers will provide an overview of ISO 20022 and explore the faster payments landscape here in the U.S. – from The Clearing House Real-Time Payments solution to Zelle and MasterCard. This session will offer insights on instant payment solutions and the ways they are leveraging ISO 20022 to facilitate greater information exchange and drive value to end users.

Lockbox...The "Original" Faster Payment System
Michael Reynolds

Vice President
TMR Solutions 

How does a 20th century innovation play a key role in the 21st century world of faster payments? There are 3 realities today in payments: 1-Checks are not dead (especially in B2B); 2-Payment volume of all kinds is increasing; 3-Overall Lockbox use is just over 30%. Connecting to the receivables related remittance data across payment channels (check, ACH, Bill Pay, etc) is where the real value is for financial institutions and their treasury clients. Lockbox is the key to unlocking this value and delivering the benefits of STP.

RTP: Checklist for Implementation
Timothy Mills

Vice President
The Clearing House

The RTP Network is live and financial institutions of all types and sizes are implementing. Attend this session to learn what you need in order to participate on the network. This presentation will review how financial institutions can connect to the network, the major integration points for implementation and the cost factors involved.  This session is for anyone interested in gaining an understanding of the what and how of RTP Network participation.

Smart Makes the Difference: Modernizing Payments Business and Strategy
Fran Duggan
CEO
Payrailz

Orlando Santos
Vice President, Product Management
Payrailz

Financial institutions are ready for a new approach to their payments strategy. Consumer/Business expectations about user experience have changed, especially with the movement toward fulfilling the need for technology to automate tasks and change payments into an afterthought for consumers/businesses. The “do it for me” attitude is pervading all industries, and FI-centric payments have been slow to adapt to this cultural demand from consumers/businesses. This session will address the modern technology available to FIs to revitalize their payments strategies, particularly how to create a smarter more engaging approach through the strategic use of A.I. and the latest payments innovations.

Together at Last...Blockchain and Same Day ACH
Mike Richert
Product Delivery Officer
Juniper Payments

Learn how financial institutions are implementing ground-breaking international payments mechanisms by fusing together blockchain technology and Same Day ACH. Attendees will dive into what happened when the first real-life blockchain cross-border transaction was sent from a credit union in the United States, routed through a block chain provider and settled using Same Day ACH.
 

OPERATIONS & QUALITY TRACK

Accreditations, Not Just Letters After Your Name
Sandy Ortins

Vice President, Education
NEACH

Sandy Cinelli
Director, Risk & Compliance
NEACH

In the financial service industry, professional accreditations help you stand out to employers and peers. Having credentials after your name indicates your commitment to your industry to remain up-to-date on the newest rules, regulations, and trends. There are many different payments-related accreditations, designed to support your professional and personal goals. This session will highlight the Accredited ACH Professional (AAP), Accredited Payments Risk Professional (APRP), National Check Professional (NCP), Certified Treasury Professional (CTP) and Certified Anti-Money Laundering Specialist (CAMS). Participants will gain a better understanding of each accreditation's standards and procedures. 

Aligning Your Mobile Banking Services with what your Business Customers Need
Debbie Smart

Senior Business Consultant 
Q2ebanking

While many financial institutions offer retail-like mobile services to small businesses, few offer business-specific services such as ACH and wire transactions from a mobile device. Yet studies show that at least half of small businesses and more than 65 percent of millennial business owners rely on smartphones to access and manage their bank accounts. This session explores best practices for offering business-centric services that bring efficiency and value to customers who are willing to pay for them. The discussion also highlights case studies from business customers about what mobile banking services are most important and why.
 

From Back Office to Front Line: Owning your Trusted Advisor Status
Dora Lampreia

Client Services Manager
COCC

Laurel Egan Kenny
Turningpoint Communications 

As community banks and credit unions embrace the commercial services they provide to business customers, they find themselves competing with large, sophisticated institutions and bankers in their market. Never before has target market definition and branding - particularly differentiation and positioning - been so important. In order for community banks and credit unions to survive and thrive, they must differentiate and delight customers by offering cash management solutions and capitalize on their most valued resources – their employees -- to deliver them using their knowledge and experience as trusted advisors. If you have been charged with cash management sales and service for your FI, your management team and the marketplace have high expectations. You already understand the back office. Now it’s time to embrace your cash management trusted advisor status. How, you ask? Think bigger! How will you contribute to the brand? How will you help your organization and your clients achieve their goals? How will you apply past success to future success? This session will help you move from the back office in operations to the front line as a cash management trusted advisor. 

We’ll walk you through how to:
1.   Sell yourself (as an expert)
2.   Sell solutions (for your clients’ business challenges) 
3.   Sell a value proposition (quantifying why your clients can’t do business another day without you). 

Takeaways will be: building an elevator pitch and success story, knowing your target market and the competitive landscape – and identifying institutional champions that will help you to be successful.

Regulation E vs. ACH Rules: Friends or Foes?
Connie LaChance

AVP, Education & Training
WesPay

Regulation E provides a basic framework that establishes rights, liabilities and responsibilities of participants when handling unauthorized electronic funds transfers disputes. The ACH Rules provide a process for returning unauthorized debit Entries within a specified extended return timeframe. When it comes to consumers account holders disputing ACH debit Entries, it can be difficult at times to align Regulation E, timeframes with the ACH Rules. Join us as we take a look at Regulation E consumer liability and the error resolution process and how we can utilize the ACH Rules to limit our losses as financial institutions.  

Third Party Senders, I Think We Have Them..Are They Bad?
Sandy Ortins

Vice President, Education
NEACH

Stacy Nascimento
Vice President, Product Manager
Webster Bank

Third-Party Senders have been somewhat mystical creatures for some financial institutions. Either you don’t have them, don’t think you have them or don’t want them, but they do exist. The need to fully understand the importance of what a Third Party is and how you can identify one, has never been greater since the recent NACHA Rule Amendment requiring financial institutions to register their Third-Party Sender status with NACHA effective March 16, 2018.  Join us for a fun-filled adventure discussing NACHA's new registration rule for Third-Party Senders and what this means from a practical perspective. 

RISK & FRAUD TRACK

Cybersecurity-We've Been Hacked
Michael Flynn

Examination Specialist
FDIC

This case-based session will take you through a cybersecurity related event. Participants will work through developing a response plan, identifying missteps that contributed to the vulnerability, and determining steps to lessen the likelihood of similar events. The session will also include discussions of IT oversight challenges and emerging IT risks.

Not Dead Yet: Cash to Cards 
Claire Greene

Federal Reseve Bank of Atlanta

This session will describe what the Federal Reserve knows now about cash and the factors that could affect its use in the short and long term. The speaker will compare consumers’ security ratings of cash and cards and describe their fraud experience with each, combining information from the Federal Reserve Payments Study 2017 Annual Supplement and the 2017 Survey of Consumer Payment Choice. 

Put Your Omni Goggles On: Key Considerations to Build an Omni-Channel Fraud Prevention Strategy
Mathew Long

Senior Advisor
RSA

We no longer live in a Web only world. Consumers are increasingly interacting with banks across multiple channels, mainly their mobile device. Today, nearly half of all transactions originate from a mobile device or app, and as a result, mobile has become the number one target for cybercrime with more than 60% of fraud now originating from this channel. With so many touchpoints, both traditional and new, banks are struggling with ways to offer a seamless customer journey across channels while also mitigating the associated fraud risk. This session will explore the various multi-channel fraud threats impacting banks, benefits of omni-channel fraud prevention and key factors to consider when building an moni-channel fraud prevention strategy.

Trends in Social Media Risk: Cybersecurity, Fraud, and Social Engineering
Denyette DePierro

VP and Senior Counsel
American Bankers Association

We no longer live in a Web only world. Consumers are increasingly interacting with banks across multiple channels, mainly their mobile device. Today, nearly half of all transactions originate from a mobile device or app, and as a result, mobile has become the number one target for cybercrime with more than 60% of fraud now originating from this channel. With so many touchpoints, both traditional and new, banks are struggling with ways to offer a seamless customer journey across channels while also mitigating the associated fraud risk. This session will explore the various multi-channel fraud threats impacting banks, benefits of omni-channel fraud prevention and key factors to consider when building an moni-channel fraud prevention strategy.

What's Lurking on the Deep Dark Web?
John Meyer

Chief Product Officer 
Banker's Toolbox

Patty Presta
Vice President, Professional Development Events
WesPay

We no longer live in a Web only world. Consumers are increasingly interacting with banks across multiple channels, mainly their mobile device. Today, nearly half of all transactions originate from a mobile device or app, and as a result, mobile has become the number one target for cybercrime with more than 60% of fraud now originating from this channel. With so many touchpoints, both traditional and new, banks are struggling with ways to offer a seamless customer journey across channels while also mitigating the associated fraud risk. This session will explore the various multi-channel fraud threats impacting banks, benefits of omni-channel fraud prevention and key factors to consider when building an moni-channel fraud prevention strategy.