ACH Basics
Brenda Eckert, AAP, Learning & Development Consultant, Wells Fargo Bank
Are you new to ACH? Not sure about all of the acronyms? Join us in this early session and we’ll help you navigate the world of ACH.

RDC Basics
Angi Farren, AAP, Image Education Services Director, UMACHA
If you are new to Remote Deposit Capture, this session is for you. Angi will walk you through what RDC is; how it works and a brief overview of why you should be involved in it.

Don't Gamble with your ACH Audit
Amy Fisher, AAP, Audit Services Director, UMACHA
In this session you’ll receive an overview of the ACH Audit that is due on December 1st of each year. Amy will provide real life examples of what she’s finding in the audits UMACHA is doing.

AAP Test...Converted
Donna Olheiser, AAP, Payment Education Services Director, UMACHA
Join Donna in this session to hear about how the AAP test is changing. It has gone electronic. We will walk through different facets of the new format.

Mobile Payments...The Smallest Access Device with the Biggest Potential
Lee Harrison, Director of Software Engineering, Internet Solutions, Jack Henry & Associates, Inc.
Roger Leblond, EVP and Chief Information Officer, Lone Star National Bank
John Michelsen, Head of Business Development, Fiserv
Michelle Miller, Customer Experience & eCommerce Officer, The RiverBank
Join us for this opening general session to hear about the latest payment access device. Two vendors will be bringing customers to discuss their motivation for offering mobile payments; experiences with implementation and more.

Upcoming Changes to the ACH Rules and an Update on the NACHA Councils
Ann-Marie Bartels, AAP, President & CEO, MPX
This session will provide a preview of all that is new in the ACH Network. You will hear about upcoming changes to the ACH Rules and proposed revisions still in development. You will also hear an update on key initiatives and projects from NACHA and its Councils. If staying current is critical to your success, this is a must attend session!

Best Practices for Online Banking Security
Andrée Ortega, Vice President - ACH Product Manager, Wells Fargo Bank
In today’s world security is one of the top subjects on the minds of customers of financial institutions. In this session you will learn some of the industry’s best practices for online banking security.

PayItGreen - Environment and Financial Service Issues Come Together
Stuart Williams, Director, CheckFree Payment Services
PayItGreen is now in the market with businesses and financial institutions rolling out campaigns. Media interest has been high and payitgreen.org visits are soaring.
This session will provide a working update on how you can integrate PayItGreen into your organization's focus on reducing your corporate footprint.

From Check to Electronic Payments: the B2B Outlook
Claudia Swenseid, Sr. Vice President, Federal Reserve Bank of Minneapolis
The U.S. payments system is evolving rapidly from paper to electronic payments. How is this affecting business-to-business payments usage, which has long favored paper checks? We’ll discuss a range of issues including key barriers to greater use of electronic B2B payments, integrating the payment with other financial processes, and the outlook for B2B electronic payments adoption. We will also cover suggestions for action to accelerate the migration of B2B checks to electronic alternatives.

The Payments Landscape - A Fed Perspective
Cheryl Venable, Sr. VP, Federal Reserve Bank of Minneapolis
Debbie Koller, AVP, FedACH Support Services, Federal Reserve Bank of Minneapolis
Since the inception of paper-based electronic payments, the payments landscape has changed dramatically. The recent Federal Reserve Payments Study provides insight to recent trends and current makeup of the retail payments market, including the changes in use of checks, credit and debit cards and ACH transactions in 2007. Participants will be briefed on the studies latest findings and explore the challenges and opportunities that this changing landscape offers ACH.

Financial Exploitation of the Elderly
Troy Fields, AAP, Member Services Director, UMACHA
Emery Adoradio, Senior Attorney, Complex Crimes Unit, Hennepin County Attorney's office
Statistics say that the elderly population has the largest concentration of wealth in the United States. It is no surprise, then that the financial exploitation of the elderly should be growing exponentially.
What is Financial Exploitation of the Elderly? What does it have to do with financial institutions? How can you recognize it when it’s happening? What can you do to prevent it?
Join us for the answers to these questions and more.

Sailing Through the Rough Waters of Check 21 Exceptions
Ellen Heffner, Director, Product Management, ECCHO
Exceptions can and do occur in the payments world whether processing a paper check, exchanging check images, or printing and presenting substitute checks. Join Ellen for a look into how financial institutions are handling the various types of exceptions that may float through their systems. Learn where the warranties lie, how those warranties may differ depending on the channel used for the exchange, and also what warranties are in place for the substitute check and the check image.

RMAG Update and Best Practices
Steve Helgen, VP Commercial Product Management, US Bank and RMAG member
Dennis Feterl, Vice President, Treasury Services, First PREMIER Bank
Join us for an update on the activities of NACHA's Risk Management Advisory Group and the implications for banks and ACH originators. Identifying and controlling risk in the ACH Network is the focus of NACHA's Risk Management Advisory Group (RMAG). This session will include an update on RMAG's initiatives and will provide practical insights on ACH Risk management / mitigation from different perspectives.  Topics including unauthorized returns, the Network Enforcement rule, Direct Access and Third Party senders will be covered.

The New Wave of Financial Crimes
John McCullough, President, Retailers Protection Association
This session will provide you with an insight as to what Europe is experiencing as related financial crimes and soon the US.  This session will be more about the predictive nature and challenges for financial institutions in the coming years as technology advance for consumer applications and how the criminals are exploring the vulnerabilities of new services.  It will be unsettling to many attendees.  Be prepared, there will not be any air sickness bags on board...  The purpose of the session is to encourage businesses to build stronger safe guards into technologies used by consumers.  As Forest Gump said "stupid is, stupid does"...

Unauthorized Returns: Federal Reserve Perspective
Christopher N. Alexander, Assistant Vice President, Federal Reserve Bank of Atlanta
Are your unauthorized returns a problem? This session provides a comprehensive overview of the systems, controls, and processes employed by the Federal Reserve Bank, acting in the role as an ACH Operator, to actively monitor internal risk activity within the ACH Network.
Collectively, these systems and controls identify and mitigate unauthorized return activity through a combination of more regimented enforcement and audit practices, and through structured communications with NACHA and financial institutions.

Back Office Capture Workflow: Evaluating the Models
Tom Kettell, Strategic Business Manager - Emerging Markets, Epson America, Inc.
Attendees will find this session important because Back-Office Capture eliminates many of the operational barriers that have prevented retailers and billers with check payments from taking full advantage of check conversion for over-the-counter transactions.
Is Back-Office Capture as simple as taking the checks and running them through a scanner in the backroom? It can be. But there are more deposit processing scenario's to be considered.
This interactive session will cover some of the workflows in play in the marketplace, examine benefits of each, and help you evaluate which model may make sense for your organization. Return item considerations will also be addressed.

If You Love your Customers, Set Them Free!
Murali Subbarao, Founder and CEO, Billeo, Inc.
Banks have always played a central role in consumers’ financial lives, but with the advent of new Internet technologies and wider consumer adoption of online banking, a major economic shift is underway: Consumers are demanding more choice, control, and convenience in paying bills and transacting online.
This presentation will explore how banks can build stronger and more profitable bonds with customers through an open approach to online payments.

Regulation E vs. the ACH Rules
Mary Gilmeister, AAP, President, WACHA
Stop the confusion! This session will address the challenges DFIs currently have complying with both the NACHA Rules and Regulation E for handling Stop Payments. You will also learn the requirements for meeting both Regulation E and NACHA Operating rules when notification is received that an entry was Unauthorized or Revoked.

Fees, Automation, and Efficiencies in Today's Tightening Market
Casey Wilcox, Vice President, Clear2Pay
In today's tightening credit market FIs are looking for ways to increase efficiencies, do more or less the same with less, increase fee revenues and offer more product for their corporate and consumer client base to retain customer loyalty and attract new clients at the same time.
We’ll explore topics to increase revenues, make your payment operations more efficient and discuss ways to attract new clients with product extensions and new features.

NOC-Best Practices for ACH Participants
Erna Jacobchick, Technical Product Support Specialist, MoneyGram International
Mergers and acquisitions cause a rise in the number of NOCs sent and received. ODFIs are looking for ways to decrease the chance of being reported to NACHA for noncompliant Originators. An NOC handled inappropriately can cause issues for all ACH Participants.
Come to this session and hear some of the best practices for handling NOCs.

The New FFIEC Retail Payments Booklet and what Examiners are Looking For
Rory Guenther, CISA Examiner - IT Specialist, Federal Reserve Bank of Minneapolis
Kris Draper, Information Technology Examiner, FDIC
Kris Draper of the Federal Deposit Insurance Corporation and Rory Guenther of the Federal Reserve Bank of Minneapolis will summarize the FFIEC Retail Payments Booklet and highlight important sections and topics.  They will also provide insight as to what regulators are expecting from financial institutions in the way of processes, procedures, and controls around the retail payments function.

Update on Fraud
John McCullough, President, Retailers Protection Association
Chris Abbas, Sergeant, Minneapolis Police Department
Rachel Williams, Postal Inspector, US Postal Inspection Services
What are the latest trends in mortgage fraud? Do you know how an offender is able to commit an undetected mortgage fraud crime? What you don’t know may really hurt you.
Our presenters will provide some insight on what can go wrong if internal controls are not followed in financial institutions. Find out more from law enforcement officials, the US Postal Service….and from an offender ‘guest’. This session will also provide attendees with an opportunity to learn more about what your financial institution can do to prevent a mortgage fraud situation. You won’t want to miss this powerful session!

IAT from the Industry Expert
Priscilla C. Holland, AAP, CCM, Senior Director, International Programs, NACHA
International ACH Transactions (IAT) will be the largest formatting change  to  the ACH Network since its inception.  Hear from an industry expert about how this all came to be .  This session will address the impacts to the both the RDFI and ODFI, OFAC responsibilities and discuss how to prepare for September 18, 2009.  Even if you don't think you currently receive international ACH transactions this change will impact your financial institutions and corporate originators.  The IAT is not just another SEC code for the ACH Network.

2008 Product Showcase #3
Financial Crimes Services: SNARE
Scott Adkisson, CEO/President, Financial Crimes Services
Financial Crimes Services will present two new products in this showcase.  See how financial institutions are recovering thousands of dollars on bad checking accounts and a new product called SNARE. SNARE is a new patent pending software tool designed to stop identity theft and other financial crimes.  This presentation will show how SNARE will reduce new account frauds, check cashing fraud, reduce loan frauds, identify counterfeit identification cards and block identity theft, etc. SNARE provides systematic alerts to the front line tellers and management on questionable transactions.  SNARE is designed to detect high risk transactions to avoid financial loss.  SNARE also has the ability to create alerts in response to possible fraudulent activity to multiple branches in real time.  See how SNARE is supporting financial institutions on Red Flag compliance requirements.

Automating the Payments Landscape: How Payments Convergence Can Improve Receivables and Customer Satisfaction
Pat Frazier, VP, Industry Relations, Western Union Payments Services
This session discusses the nuts and bolts of payments convergence, including benefits of straight-through processing and real-time payments. Attendees will also learn the positive impact of managing all customer billing relationships on one platform, regardless of the payment method used.

The Wild, Wild Web
Deborah Matthews, AAP, Electronic Payments Strategies Director, Jack Henry & Associates/ProfitStars
Not long ago, WWW stood for “Wild, Wild West” rather than “World Wide Web.” Ironically, the development of the American West and the emergence of Internetinitiated transactions have a few things in common. Just as in the initial rush for gold in the West, in the initial rush in WEB, it has become apparent that the good, bad and ugly have each staked a claim in online ACH payments.
This session identifies the guys in the white hats (the potential growth) and unmasks the black hats (the threats of identity theft, fraud and alternative payment methods.)

Maximizing Remote Deposit?
Stephanie Schmitt, VP/Treasury Management, U.S. Bank
Pierre Cariveau, Accountant, American Dental Partners, Inc.
To maximize the benefits of remote deposit, there is a wide variety of requirements businesses should evaluate when implementing a remote deposit solution.  This session will highlight considerations for businesses when developing their remote deposit strategy.  A corporate customer will provide insight on the key decision points they considered when evaluating remote deposit and how it streamlined their deposit process.

Third Parties and the ACH Network
Sean Carter, AAP, Senior Director of Education, NEACH
As ACH continues to evolve more parties become involved and the risk to the ODFI can increase. In this session learn about the different third parties; what the different risks are and tips to manage it.

International ACH Transaction (IAT) Overview - Are You Ready?
Jon Mikolajczak, Training and Development Specialist, Federal Reserve Bank of Minneapolis
Donna K Olheiser, AAP, Payment Education Services Director, UMACHA
Effective Sept. 18, 2009 the new Standard Entry Class (SEC) Code for International ACH Transactions will be IAT – Are You Ready? This product overview includes defining an International ACH Transaction (IAT), identifying the participants in an IAT transaction, key issues for both the ODFI and RDFI, and information on testing requirements and opportunities. Attend this session for what you “need to know” and tips on preparation BEFORE Sept.18, 2009.

Risk Management
Paul Hook, CEO, Alliance Payment Technologies
While financial institutions are looking for additional fee income, ACH Origination remains forbidden territory for many, and risky business for others. Learn what the regulators are looking for based on OCC 2006-39 and what you can do to comply with that guidance and current regulatory expectations.

Pay Cards: Solutions to Improve Direct Deposit Rates and Reach the Unbanked
Tim Schmidt, VP, Electronic Payments, U.S. Bank
Traci Jacobs, Sr. Vice President, Skylight Financial
This session will provide corporate practitioners with ideas they can take back to the office for increasing Direct Deposit rates, improving payroll distribution issues and eliminating costly paper checks. Additionally, the session will discuss the benefits that Pay Cards provide to corporate employees, such as allowing for more "take home" pay by removing check cashing service fees and compatibility with automatic bill payment services.

Old School Customer Service Practices: How to Balance Information Security Risk with Customer Relationships
Michelle Walstad, Advisory Services Group Consultant, CFC Technology
Sean Sullivan, Advisory Services Group Consultant, CFC Technology
Hear suggestions on how you can effectively weigh the impact of emerging technology challenges with your ability to serve customers. You might find the ideal common ground between new levels of security and traditional service standards by returning to the old-school approach.

Building a Bridge Over Troubled Waters
Dr. Benjamin Akande, Dean, Webster University's School of Business and Technology
How can organizations remain relevant in a changing environment? How can organizations enhance their competitive advantage? The answers are evident in the willingness of organizations to transform themselves and to embrace change.
Dr. Akande maintains that what organizations are should never change but how they deliver their mission should always be changing. Special focus will be given to recruiting and keeping the iPod Generation. Don't miss this moving presentation!