NACHA Payments 2010

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is the only conference to deliver a comprehensive look attoday’s market and tomorrow’s next-generation payments drivers and solutions.

PAYMENTS 2010 introduces the latest research, insights, trends,technologies, and business practices from the world’s leading payments experts.

Hear the newest research and trends from payments innovators. Network with thousands of attendees who are driving industry innovation. Learn from exhibiting and sponsoring companies about industry-changing new products.

PAYMENTS 2010 provides many avenues and networkingopportunities to cultivate critical business relationships.

Conduct business. With 650+ leading financial institutions, companies, and government entities represented, PAYMENTS is the place to meet your business objectives. Expand market relationships. From top 50 and community financial institutions to corporate and government end-users, PAYMENTS is the only conference to bring together the entire industry.Meet with industry leaders. Sixty percent of PAYMENTS attendees are senior-level managers or higher.

PAYMENTS 2010 offers a dynamic learning structure that provides the insights and information you need to address emerging opportunities in today’s payments industry.

Choose from more than 115 sessions led by industry leaders. Earn 17 Accredited ACH Professional (AAP) and/or Certified TreasuryProfessional (CTP) continuing education credits.

Focus your learning in one of seven targeted learning tracks or move between topics to get a holistic look at new developments in payments.

WHO SHOULD ATTEND:

W A S H I N G T O N S TAT E C O N V E N T I O N & T R A D E C E N T E R S E AT T L E , W A

Executives, Officers, Managers,Consultants, Analysts andProfessionals with responsibilities in:

Payments of all types

Risk Management/FraudDetection/Loss Prevention

Audit/Compliance/Legal

Internet/Electronic/Mobile Banking

Treasury/Cash Management

Card Services

Operations/Product Management

Check Services & Imaging

Retail Banking

Marketing/Business Development

features environmentally-friendly meeting practices. This includes eliminating paper session handouts.Session handouts will be available online to full conference attendees by Tuesday, April 20, 2010. Registered attendees willreceive an e-mail with instructions for accessing the content. For more information, visit

PAYMENTS 2010 is GREEN

Now is the time for savvy payments professionals to invest in the future and learn about critical advances in thefield. Come to PAYMENTS 2010 and be a part of the innovation that will shape tomorrow’s industry.

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

Registration at theWashington StateConvention & Trade Center

PAYMENTS 2010 Social Networking Site

Opting in to PAYMENTS P2P 2010 will allow you to meetother attendees, set up appointments with current and futurecustomers, organize your schedule and to-do items, create anonline daily planner to take with you to Seattle, participate inmessage discussion forums with other event participants, and more. Registered attendeeswill receive an e-mail, starting in February 2010, with a password to enter the site.

11:30 a.m. – 1:00 p.m.

1:00 p.m. – 6:30 p.m.

7:00 a.m. – 5:30 p.m.

7:30 a.m. – 5:30 p.m.

8:00 a.m. – 10:30 a.m.

Are you new to the PAYMENTS confer-ence? Get the most out of your PAYMENTS 2010 experience with a con-ference overview and hands-on assistancein understanding the construct of the pro-gram so that you may better select the ses-sions that are right for you, and can morefully take advantage of all that NACHA’sannual conference has to offer. Badges arenot required for this event.

The NACHA Family leadership gathersfor this invitation-only event to commem-orate another year of progress in electronicpayments, sponsored by SWACHA – TheElectronic Payments Resource. Location tobe communicated via e-mail invitation.

All Accredited ACH Professionals areinvited to this lively reception where theywill enjoy Seattle-inspired hors d’oeuvresand cocktails while networking with otherAAPs. This event is for AAPs only and issponsored by the Regional Payments Associations. Location to be communi-cated via e-mail invitation.

Experience the power and joy of music in itsmany forms. Experience Music Project (EMP)is a one-of-a-kind music museum combininginteractive and interpretive exhibits. Enjoylive music, peruse EMP’s collection of over80,000 artifacts, or create your own music performing to a virtual audience or engaginginteractive instruments. Don’t miss this land-mark reception, sponsored by Fiserv.

Join us for this full-service luncheon whereoutstanding achievements in payments sys-tem innovation, quality, and performance arerecognized.

Take advantage of the closing reception inthe exhibit hall and make those crucial connections that will help propel your organization into the future. Enjoy this “Kick-Off to Austin” reception surrounded bycutting-edge technology providers, paymentsservice experts and organizations poised tooffer the solutions you seek in this verydynamic exhibit hall.

Special Networking Events & General Information

Conference Planning Committee

All PAYMENTS 2010 events will be held at the Washington State Convention& Trade Center unless otherwise noted.

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Committed Sponsors

3Delta Systems, Inc.3i InfotechAccuityACH AlertACH Federal, LLCACI WorldwideAffirmative Technologies, Inc.American Payroll AssociationAssociation for FinancialProfessionals

ClairMailClear2Pay Americas Digital Insight, an IntuitCompany

DovetailDow Jones Risk & ComplianceEFC Systems, Inc.Elavon Epson America, Inc.FaceCashFederal Reserve BanksFIS

FiservFundtech Corporation Heartland Payment SystemsLaru CorporationLendingTools.comNACHA – The ElectronicPayments Association

NACHA's Secure VaultPayments™

NetDepositOnline ResourcesPacNet Services Ltd.PaniniPaymentVisionPertech Resources, Inc.Pervasive IntegrationProfitStars, a Jack HenryCompany

RDM Corporation Regional Payments AssociationsRemoteDepositCapture.comSunGard

SurePayrollSWIFTSystar, Inc.The Clearing HouseTSYSUS DataworksU.S. Dept of the Treasury, FMSVSoft CorporationWAUSAU Financial Systems Western Union Global BusinessPayments

Yodlee

PAYMENTS 2010 Exhibit and Sponsor Information

PAYMENTS 2010 Exhibitors

Savvy, forward-thinking payments professionals understand thatin their businesses to achieve future

growth and expand their bottom lines. is wherethose savvy, decision-making payments professionals will be, lookingfor the technological and strategic solutions they need to achievetheir short- and long-term business goals.

PAYMENTS 2010 is the only conference that brings together all of the industryleaders in electronic payments. The PAYMENTS conference consistently deliversqualified prospects – traditionally, PAYMENTS has at least 350 C-level executivesin attendance and, year after year, an average of 60 percent of PAYMENTSattendees are key decision-makers: senior-level managers or higher.

Do you have a new software product? Do you have survey results to share? Do youoffer consultation services or need to cultivate new contacts? If you are a companylooking to showcase your products and services to a highly-qualified audience, thePAYMENTS 2010 exhibit hall is the place to be!

Not able to exhibit? Consider sponsoring instead! PAYMENTS 2010 offers manycost-effective and high-profile opportunities that will keep your company’s name,products, and services in front of the industry even if you cannot be there.

For a complete list of exhibit packages and sponsorship opportunities, visitor contact Jonsie Stone at or e-mail

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Supporting Organizations


Conference Tracks

The Payments BizThis track focuses on the issues that matter most for financialinstitutions and non-bank providers that are in the business ofdeveloping and offering payment solutions—organizationsthat are competing for market share, revenue, and positioningin the payments field. Sessions explore trends, observations,opportunities, challenges, and strategies in today’s market.

Risk & ComplianceSessions in this track examine the potential risks surroundingall payments mechanisms along with the rules and lawsgoverning compliance. Emerging trends in fraud and fraudprevention along with thorough examinations of laws, rulesand regulations are featured topics.

Corporate Payments Solutions This track speaks to the payment and treasury interests ofcorporate users—billers, retailers, merchants, trading partners,etc.—businesses large and small from across industries that areseeking to learn from their colleagues’ experiences inselecting, implementing, operating, and evaluating solutionsprovided by the financial services community. Sessions by andfor corporate practitioners analyze best practices, metrics,challenges, trends, and practical experiences.

Automated Clearing House (ACH)This track addresses the core issues surrounding the ACHNetwork and its users, encompassing traditional and emergingapplications and approaches. Sessions examine operationalissues, audit, rules compliance and enforcement, riskmanagement, fraud prevention, security, authentication andauthorization, best practices, trends, and more. A full mix oftopics and perspectives will satisfy the aspiring novice and theseasoned ACH professional alike.

Check ElectronificationThis track is composed of sessions dealing with the issues, challenges,experiences, opportunities, trends and developments associated withcheck electronification, encompassing conversion and truncationmethodologies, as well as convergence issues. Subject matter includes theconversion of a paper check to an ACH debit, the use of a check as asource document for Internet and telephone-initiated ACH debits, as wellas truncation, imaging, remote deposit capture, and clearing methods.This track features case studies of application and process integrationacross payment silos from financial institution and customer perspectives.

Global Focus This track examines the latest in strategic thinking and solutionsconfronting the global payments sector today from both the corporateand financial institution perspectives. Leading issues and majorchallenges are examined by global payments experts. Sessions featureinsights and perspectives from the U.S. community and stakeholdersfrom around the globe, offering a truly international vantage point onthe issues that matter most.

Card Solutions This track focuses on the trends and developments associated with card-based solutions for payments and payment-related business needs. Industryexperts address challenges and opportunities within the card industry fromboth a business process and payment operations viewpoint. Sessionsexamine business, operational, and technological innovations from boththe issuing and acquiring sides of the credit and debit card environments.

Sunday WorkshopsWorkshops give you the in-depth working knowledge you need in a varietyof electronic payments and e-commerce-related subjects. Workshops aregenerally scheduled with more fundamental aspects of the various subjectsin the first set, followed by more advanced discussions and concepts in thesecond set. If you are new to certain areas of the electronic paymentsindustry, or need to brush up on your skill sets and learn the latestconcepts, then workshops are definitely designed for you. A separateregistration fee is required for all workshops.

The PAYMENTS conference agenda is divided into seven tracks plus workshops. The sessions in this brochure have track listings posted above the description – please use the following track descriptions to direct you to the sessions which best reflect your areas of interest.

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Monday, April 26


Continental Breakfast

Payment Systems Architecture in aComplex Business Environment

The complexities of today’s business environ-ment demand greater flexibility, scalability andreal-time visibility into cash transactions andbalances. For many organizations, however, thelimitations of existing payments architecturehave made it increasingly difficult for paymentprocesses to support strategic business objectives.As a result, cash management decisions becomeharder and harder to make. Within this scenario,Web-based enterprise payments factories havequickly emerged as a cornerstone for next-generation payments systems. Providing a singleplatform for origination and reporting, paymentsfactories allow organizations to move away fromdisparate systems in favor of an approach thatsupports a convergence of activities, efficienciesof automation, better decision making and lowermaintenance costs. This case study presentationexplores PMA’s recent use of a payments factoryto streamline its claims payment processes andprovide attendees with insight into their effortsto convey the business value of a payments fac-tory to other organizational stakeholders; identifythe key solution functionality required to meettoday’s specific business needs, while offering thescalability to address tomorrow’s growth andchallenges; and best practices for instituting newprocesses (i.e. bulk payments) ideally suited toneeds based on the flexibility gained through apayments factory approach.Level: Intermediate

How Prepaid Cards CanComplement Existing PaymentSolutions

Given the current economic and financial environment, companies are being asked to findeven more ways to reduce costs and increaseefficiencies to improve their bottom lines andbe more competitive. Many companies haveimplemented corporate cards, purchasing cardsand business debit cards to reduce costs andinefficiencies from day-to-day businessprocesses—replacing paper with plastic. Whatabout the business functions still utilizing cashor checks for company payments that tradi-tional credit or debit products cannot address?Prepaid cards can be used to eliminate checksand cash in areas including payroll, incentives,travel advances and more. This also provides anopportunity for financial institutions to addnew products to their portfolios to meet cus-tomer needs and generate a new, low-risk rev-enue stream. In this session you will beintroduced to commercial prepaid card productsand learn how they can complement your exist-ing payment solutions. Learn how to furtherdrive down the cost of day-to-day businessprocesses and increase efficiencies.Level: Intermediate

Settlement Processes: A Look atthe European PaymentsIntegration

European policy makers devoted great effort tothe establishment of a common payment andsecurities settlement infrastructure in Europe.The introduction of the Euro led to the creationof TARGET2, Single Euro Payments Area(SEPA), Target 2 for Securities (T2S) and thePayment Services Directive (PSD) in 27 Mem-ber States in November 2009. Has the goal ofgreater efficiency been realized? What impactshave these initiatives had on U.S. corporations

and banks? Speakers evaluate the goals of SEPA andachievements so far and look at what is next.Level: Intermediate

Establishing Criteria for HealthcarePayment Partners

Most medical billing companies are afflicted by theinefficiencies of paper check payments, managingcredit/debit card payments, staffing for phone payments, and establishing recurring payments forpatients who pay off large balances over time. An ideal payment partner to alleviate this situationwould provide a full array of payment processingoptions for clients including credit/debit cards,online, phone, paper checks, and ACH payments,as well as the ability to deposit funds collecteddirectly into the physicians’ bank accounts, with-out changing banking relationships for the billingcompany, physicians or clients. Session attendeeslearn about establishing criteria for payment partners, selecting payment solutions, and hear an in-depth discussion on 10 benefits that canresult from implementing the ideal solution.Level: Fundamental

Risk Through the Eyes of a BSAOfficer

What types of BSA risks are being experienced and how are institutions dealing with those risks?Speakers look at risk mitigation from the perspec-tive of the BSA professional and discuss the experience of institutions with significant interna-tional ACH activity and how they are managingthe BSA/AML risks of these transactions. Did welearn from IAT and how are other applications,including RDC, likely to be affected by any lessons learned?Level: Intermediate

Monday, April 26

Web 2.0 & The Emergence ofSocial Payments

Social e-commerce and virtual currencies are thenew frontier of payments. Person-to-persontransfers, charity donations, and micropaymentsfor virtual goods are exploding within social networks. In this session Glenbrook provides anoverview of social networks: their reach, whoparticipates, how consumers and businesses inter-act online, and the increasingly influential rolethe social web plays in guiding purchase deci-sions, both online and off. Speakers demonstratehow payments within Facebook, MySpace, andTwitter work today and outline probable futuresocial payment scenarios. Finally, speakers exam-ine the social payment business model: who’sprofiting from this emerging payment domain?Presenters explain social shopping, affiliate networks, and the importance of developer net-works, APIs and widgets, and transactionaladvertising and examine how established leadersin eCommerce like PayPal, Amazon, Apple, andGoogle are enabling social payments. Speakersidentify the niche social and micropayment players, including PlaySpan, Jambool, Boku,Zong, Zoura and more.Level: Advanced

The Payment Business & ACH froma Community Bank’s Perspective

As the financial landscape continues to changeand stabilize, financial institutions will never bethe same. Speakers in this session look at howone community bank took its payment business& operation, as well as ACH, and leveraged thatcommoditized business to gain market share anddeposit growth. What challanges were facedinternally and how were they overcome? Whatsteps were taken to implement this newapproach, how long did it take to arrive at thegoal, and what were the results?Level: Fundamental

A Walk Through the GlobalTraveler’s Wallet – GlobalPerspective on Cards

Speakers in this session explore the global traveler’s wallet. Oyster Cards, Debit Cards,CHIP/PIN cards, Interchange Fees - how dothese payment schemes affect the consumerwhen choosing a payment method? Are thereincentives to use one or the other and how doglobal economic experts rate each method? Oyster Cards and CHIP/PIN cards are examinedand explained in detail, and the entry of theglobal cards in Canada are highlighted. Whatcan U.S. merchants and issuers learn from theglobal buyer?Level: Intermediate

ePayments – The New Bill Payment

Payments have moved from the traditional paper bill payment to a new model of managingelectronic payments to companies, individuals andto yourself in a concise and single model. This ses-sion focuses on methods that financial institutionscan employ to help centralize money movement tothe online and mobile channels. From accounttransfers and P2P transactions to bill payment,overnight checks and pre-paid card top-offs, con-sumers are looking for convenient and fast methodsto facilitate the movement of money. By taking afresh approach to the online and mobile channelsand by working with alternative solution providerslike PayPal, financial institutions can begin tomake this centralized money movement portal areality. The opening up of PayPal’s API’s presentsfinancial institutions with a new and excitingopportunity to further strengthen the relationshipwith their customers by offering them access to theP2P and alternative payment space from theirtrusted banking relationship. Session attendeeslearn how FIs can move to a centralized moneymovement portal, implications are from an onlineand mobile perspective in migrating to a central-ized approach; how consumers and FI’ s benefitfrom this concept; what the opening up of the PayPal’s API’s network means to FIs; and how PayPal can help to strengthen the FI-consumerrelationship.Level: Fundamental

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Monday, April 26


EBIDS is Ready for its Close-up:Putting Online Presentment &Payment to Work for YourBusiness

As consumers increasingly adopt online bankingpractices, businesses are faced with an opportu-nity to cash in on this electronic trend. Speakersexamine the NACHA Electronic Billing Infor-mation Delivery Service (EBIDS) pilot, and howthis solution is making it easier and safer for consumers to receive and pay bills through theironline banking accounts. Speakers review thecomplete on-boarding process, including the specific roles and responsibilities of the retailbank, the biller and the customer and outline theimplementation process, along with how currentlinkages with banks and other providers can beutilized. As EBIDS rapidly reaches a tippingpoint for success, billers should take advantage ofthe opportunity to increase customer adoption of e-billing. Speakers enumerate the business benefits of EBIDS, such as payment posting withcredit payments and guaranteed remittance,elimination of exception payments, and betterserving customers in the growing online bankingchannel.Level: Intermediate

How to Save Millions byConverting Customers to ACH

Speakers present a case study on how a programwas successfully implemented at eBay to migratetens of millions in monthly payments to ACHand how eBay reduced its payment fees by mil-lions per year. Discussion centers on how to pro-vide a low-cost payment migration, “Program ina Box,” that shows merchants accepting con-sumer payments how to migrate high-cost creditcard payments to lower-cost ACH payments.Highlights include consumer research on the keydrivers of consumer preference in ACH vs. creditcard; the types of product enhancements andmarketing campaigns that best support a migra-tion campaign; the unique aspects of one-time vs.

recurring payments and how to effect the strate-gic approach; how to manage the risk of ACHwithout the instant authorization you get with acredit card; and international considerations.Level: Intermediate

Immediacy & Transparency in Payments:

Necessity (or frustration) is the mother ofinvention. Jim McKelvey could not sell a pieceof his high-end handcrafted glass artworkbecause he was unable to accept the form ofpayment the consumer desired to use. That losttransaction resulted in Square - the smart phonecard terminal that has created a wave of avidsupporters, skeptics, and critics alike. Twitterfundamentally changed the way peoplecommunicate - will Square fundamentallychange the way small businesses and consumersaccept payments? Join us for this groundbreakingsession as Jack and Jim share their vision andanswer some of the payments industry experts'toughest questions. Take part in this interactivesession, as the last tenminutes will be reserved forJack and Jim to take yourquestions via the live Twitterfeed in the auditorium.

Refreshment Break in Exhibit Hall

Doing More with Less: A/P Automation at ColumbiaSportswear

How does a billion dollar apparel company onlyhave one person in accounts payable? ColumbiaSportswear automated all processes from pur-chase order through payment on a hosted plat-form to remove paper, inefficiency, and manualtasks. Columbia found that once it automatedthese processes, there were many innovativefinancial supply chain programs that could beleveraged. Columbia Sportswear and its strategicpartner, TradeCard, deliver a fascinating casestudy on Columbia’s approach to AP automation,and the benefits that grew from this project.Level: Intermediate

The Change from Paper toElectronic: Why the Delay? Let’s Pick up the Pace

Convincing your clients to change from Paper toElectronic can be a difficult undertaking. Whilethe business of electronic payments is nothingnew, the adoption across various channels con-tinues to be a challenge. Certain segments arequicker to adopt while others are slower. Speak-ers in this session explore this conundrum atboth the consumer and corporate level, as well asthe community and mid-sized FI level. Is adop-tion slowing down due to perceived regulatoryconcerns, perceived risk, perceived float, or sim-ply the lack of understanding among the FI’s andtherefore their clients? Speakers help dispel themisconceptions around moving to an electronicpayment operation, collection, and disbursementchannel while explaining the real risks and regulatory issues.Level: Intermediate

Third-Party Risk: Keeping You &Your Bank out of Trouble

Speakers examine third-party risk in the ACHNetwork through a series of real-world case studies from NACHA’s Risk Management Advisory Group. In each case speakers look atwhat went wrong, why it went wrong and, moreimportantly, what got missed, during new cus-tomer implementation, ongoing operations, orthe period when the banks were trying to closedown their third-party processors. Attendeeslearn what to look for in their own client base, or when new prospective clients approach, andleave the session with a list of best practices that can be put in place immediately.Level: Intermediate

P2P Payments: A Lucrative &Untapped Market Opportunity for Banks

P2P payments have experienced significantgrowth since the launch of PayPal in 1999 andrepresent approximately 35 billion transactionsper year. The service offers significant advantagesfor banks, including the ability to generate newtransaction-based revenue, attract new customersand increase loyalty. Session attendees learn bestpractices for a P2P payments service along withthe key success factors for implementing an integrated mobile and online P2P service.Level: Intermediate

Payment Card Industry DataSecurity Standard: Why Comply?

Every merchant's worst nightmare is a lead storyon the news about cardholders' information beingstolen from their company. That's why PaymentCard Industry (PCI) data security standard compli-ance is a hot topic. It's also a challenge. Passing anannual PCI audit doesn't mean you'll still be com-pliant next week or next month. Yet these securityrules may be the best defense for keeping card-holder information safe from thieves and hackers.In this session, industry experts will cite real exam-ples of recent breaches and share how non-compli-ance can negatively impact your business and yourbrand. Hear how industry, regulatory and legisla-tive organizations are reacting to major compro-mises. Determine what level of PCI certification isapplicable to your company. Level: Intermediate

Going Paperless: Making the Switchto 100 Percent Electronic Receivables

Under growing pressure to improve process efficiency, treasury is increasingly turning to electronic receipt of payments to achieve criticalcash management goals. AT&T and WesternUnion share their best practices in creating aninfrastructure capable of consolidating paymentsfrom consumers, vendors and government entitiesand handling entirely electronic sources for pay-ments made via nearly every interface, includingonline banking, web portals, telephone and mobiledevices. Presenters outline their migrationprocesses, format and billing options and imple-mentation techniques. Speakers also share howthey worked closely with a banking partner toachieve results. How security, person-to-person(P2P) payments, same-day settlement and guaran-teed payment processes factor into the decision toadopt electronic receipt of payments is alsoexplored.Level: Intermediate

International Cash & CardManagement – a Survival Guide tothe Global Payments Landscape

Speakers in this session explore the vast regionsof diversity in the payments industry, including adeep look into the basics of cash management,cards, trade finance, and foreign exchange in theinternational arena. Whether you are a paymentsnovice or expert there will be ample opportunityto hear and discuss payment innovations, regula-tory changes, and developments in the industry,as well as evolution of e-payments, e-invoicing,and e-procurement. Attendees are also exposedto a healthy regimen of the basics of the pay-ments industry.Level: Intermediate

Driving ePayments Adoption: The Consumer Perspective

The pace of innovation in the U.S. paymentsmarket hasn’t lost a step. Every week reveals avariety of industry announcements regarding newpayments services available to consumersthrough financial institutions, including P2P,mobile, international remittances, and pre-paidaccounts. But how are consumers reacting tothese innovations? What’s their level of aware-ness of the new payments methods available inthe marketplace? How do they generate a prefer-ence for a specific offering and what factors influence their decisions to adopt? NACHA haspartnered with FIS, PayPal and eCom Advisorsto answer these questions and provide recom-mendations to help financial institutions capturea larger share of the ePayments wallet. Attendeeswill understand consumer demand for and awareness of ePayments innovations; how con-sumers obtain information/education on newePayments services; how banking providers canleverage this information to impact adoption andutilization and consumer perceptions of bankingproviders as one-stop-shops for a range of ePayments solutions.Level: Intermediate

Monday, April 26

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Monday, April 26


Remote Mobile Payments forBanks: Keys to a Successful Rollout

Speakers in this session explore the remotemobile payments market and the important deci-sions that will place financial institutions on thepath to mobile commerce profitability. Presentersidentify opportunities for financial institutions,mobile operators and technology providers toaddress the challenges of interoperability andcollaboration in order to realize market potential.Different characteristics of remote mobile pay-ment models are contrasted, such as bank-centricor telco-centric; stored value or direct tie to bankaccount; centralized or decentralized; trustedservice providers or carriers; and SMS, WAP ordownloadable client options. Industry leaders dis-cuss the magnitude of the opportunity, the speedat which the market is maturing, the transitionfrom mobile banking to mobile payments andwhether a particular service model is emerging asthe optimum choice.Level: Intermediate

Building a Real International ACH–Legal & Compliance Challenges

The successful implementation of the Inter na-tional ACH Transaction (IAT) in September2009 does not negate the fact that there remaincountless legal and compliance challenges sur-rounding the creation of the International Payments Framework (IPF), with its mission offurther improving non-urgent, cross-border pay-ments. What will IPF do in global terms andwhat does this mean for ACH-participatingbanks? This session features the Federal Reservelegal counsel and the IPF’s legal counsel who

examine the goals, strategies, and future of theIPF, along with the unique opportunities thatSEPA’s adoption of a single format for cross-border payments within Europe and the IAT inthe States provide to banks in the U.S. Canthese initiatives link the rest of the world andwhat does the effort to globalize mean to theinternational payments landscape? Learn aboutthe challenges facing the IPF: what it takes tocreate a legal bridge between different transac-tion formats, rules, and currencies; create a com-mon legal framework for often competingbusiness cases; and comply with the legal andregulatory requirements of many different coun-tries. After this session, you will have a betterappreciation for the promise of the IPF and forthe challenges faced as the industry works to fur-ther improve non-urgent, cross-border payments.Level: Advanced

Fundtech’s PaymentsLIVE! -Thought Leadership Spotlight

Is there any doubt that banking will experiencesignificant change as a result of the financial cri-sis? Our panel of distinguished bankers and cor-porate thought leaders share their perspectiveson key trends and provide suggestions on howyou can position your institution for growth inthese turbulent times.

Level: Advanced

Lunch in Exhibit Hall

Debugging Electronic Payments

Everyone advocates the move from paper pay-ments to ACH and names the reasons why:greater efficiency, lower costs, shorter float,greenness, the opportunity to automate process-ing and reconciliation. But no one talks aboutthe exceptions, the notifications of change(NOCs), the data adaptations, the possibleNACHA rules violations and accompanyingfines, or the complexity of signing on and settingup vendors for electronic payments. These arethe bugs that can derail your paper to electronicmigration. Corporate practitioners discuss theissues they encountered in moving away frompaper and share best practices on how you candebug your electronic payments and processes asthey did theirs. Attendees learn pitfalls to avoidin moving customers and vendors to electronicpayments, best practices for signing on and setting up vendors to receive ACH payments,and keys to success in accepting ACH paymentsfrom customers.Level: Advanced

Business Continuity – Are YouReady for Anything?

Does your business continuity plan need someretooling? Effective business continuity planningis about being ready when, not if, disaster strikes.Speakers focus on natural disasters of 2009,including the upper Midwest floods and the tor-nado outbreak that impacted portions of Texasand other parts of the country. The general activities of the local banks, payments systemsand businesses in the aftermath of these disastersis examined as they work through the recoveryprocess in their attempt to return to normalactivity.Level: Fundamental

NACHA’s Risk ManagementStrategy Update

NACHA's Risk Management Advisory Group(RMAG) identifies sources of risk in the ACHNetwork and develops efficient, targetedapproaches to risk mitigation. Taking into con-sideration increased ACH volume, more com-plex applications, and a higher propensity forfraud across all payments channels, the ACHNetwork requires a comprehensive, integratedrisk management strategy. Speakers review what'son the horizon for RMAG and the risk environ-ment, and discuss critical initiatives designed toensure high-quality ACH transactions andreduce risk for all Network participants.Level: Advanced

Who Moved My BusinessModel??!?

For years, U.S. banks have led with “everythingis free!”, while generating huge non-interest feesfrom punitive exception fees on payments anddeposit accounts. In most financial institutions,these fees account for 50-70 percent of feeincome. Impending federal regulation willchange this paradigm sooner than most bankersexpect. Like recent changes in credit cards, fed-eral NSF/OD reform regulation is almost certainto be implemented. Although banks and creditunions proactively manage interest rates, pricingscience for non-interest fees is decades behindmost other industries. In this strategic, forward-looking session, eCom Advisors explores pendingNSF/OD reform, identifies high-potential opportunities, offers perspectives on the effects of real-time processing, and discusses customersegmentation and pricing models that will helpattendees to be better prepared when thisimpending shift becomes reality.Level: Intermediate

Evolving Trends in Card-BasedFraud & Global Best Practices

The speaker in this session provides an overviewon evolving trends in global card-based paymentsfraud and case studies of best practices acrossnumerous countries. A brief background on theevolution in card-based payments fraud over thepast three decades, along with current examplesof the sophisticated nature of global card-basedpayments fraud are examined. A holisticmethodology to calculate the “true cost” of card-based payments fraud is introduced and theapproach to calculating the impact of fraudacross a variety of stakeholders in the paymentsvalue chain is supported with proprietary datathat offers insight into the current levels of fraudtaking place in these varying sectors. The speakeralso includes a discussion of the impact of Chip& PIN based authentication worldwide on U.S.fraud levels, as well as a discussion about theChip/PIN experience in Canada. Finally, a selectnumber of case studies are presented that outlinethe approach specific countries are taking tocombat fraud and the levels of success they areexperiencing.Level: Intermediate

Payments Opportunities forCommunity Banks

Community businesses often do not process sufficient payment volume to invest in paymentstechnology, which provides a community bankan opportunity to offer wire transfers as an effi-cient mechanism for businesses to use for B2Band other payments. By the end of 2010, Fed-wire, the wire transfer system operated by theFederal Reserve Banks, will provide an informa-tion-rich payments message format—CustomerTransfer Plus (CTP)—that community banks canleverage to provide customized services to theirclients. Presenters will focus on the features andbusiness opportunities CTP creates for commu-nity banks as well as on what the Fed, a bank andservice providers are doing to prepare. Topicsinclude testing opportunities, channels thatmight be used to pass this new information, benefits and costs associated with offering thenew format.Level: Intermediate

Taking the Sting out of ACHDispute Management

Regulatory concerns and cost pressures have put a greater emphasis than ever on efficientlymanaging ACH transaction disputes. In this casestudy, PNC Bank details how it is centralizing its ACH data archive to expedite transaction dispute management. The speakers highlightmarket trends and regulatory factors in ACH dispute management; PNC Bank’s situation andchallenges before implementing a centralizedACH archive; the process the bank wentthrough to evaluate available solutions and builda business case for the initiative; the impact ofthe archive on both customers and internal procedures, and lessons learned.Level: Advanced

Back-End Payments & theHealthcare Industry

The challenge of transitioning today’s healthcaresystem from costly paper-based processes to amuch more efficient and secure electronic envi-ronment is evident in the marketplace. Back-endpayments are proving to be extremely importantto the healthcare industry with the adoption ofconsumer-driven healthcare increasing with noend in sight. This session explores the increasingneed to generate cost savings through opera-tional efficiencies and streamlined processeswhile taking a comprehensive look at currentback-end outsourcing solutions currently available to the medical banking industry.Level: Intermediate

Monday, April 26

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Monday, April 26


Retailer Perspectives on Consumer Payments

In this panel discussion, representatives from leading retailers explore trends and innovations in consumer payments. Panelists share insight into unmet payment needs in the retail sector, barriers to the greater leveraging of technology, and opportunities to bring about solutions.Level: General Interest


How Coca-Cola Enterprises isQuenching the Thirst for AlternateB2B Payment Solutions

Enter the arcane world of B2B cash payments. Most direct-store-delivery (DSD) companies collectCOD payment from a subset of their customers, typi-cally small retailers and independent grocers. Literallybillions of dollars in currency, coins, and checks arecollected by DSD route drivers nationwide and haveto be counted, reconciled, locally deposited, and cen-trally applied to open A/R balances. Coca-ColaEnterprises is in the midst of piloting “cashless deliv-ery” alternatives for its 250,000 retail customer loca-tions that currently pay COD. Learn from Glenbrookand Coca-Cola Enterprises how novel applications ofconsumer bill payment solutions and receivablesproducts have the potential to completely eliminatepayment at the time of delivery, increasing route efficiency, improving employee safety, acceleratingcash availability, and reducing cash handling costs.Level: Intermediate

Mobile Money: How to MakeMoney Moving from MobileBanking to Mobile Payments

Mobile payments for in-store purchases may nolonger be considered far-fetched, yet there’s stilllittle agreement on how to achieve it, much lessprofit from it! Based on a new Javelin report, thispresentation delineates the primary paths toreplacing consumer wallets and purses withmobile phones. How must banks, networks, telcos, handset makers, merchant providers andother software vendors work together? Whattechnologies must be considered, and what arethe major tradeoffs for each? How will suchmobile and Internet apps as online banking,mobile alerts, transaction controls, authentica-tion or even personal finance management figureinto the transition from hidebound to mobilewallets? Rather than relying solely on costlyM-payments investments models that bet it allon a high-risk/high-return payoff model, whatprofit-as-you-go options should be evaluated byindustry leaders? This presentation distils quanti-tative research from thousands of U.S consumersand industry interviews to present specificoptions for setting budgets and moving forward.Level: Intermediate

Recent Developments in ElectronicPayments Law

Presenters in this session discuss legal issuesraised by current innovations in electronic pay-ments law, including recent amendments to theNACHA Operating Rules. Speakers also explorethe state of efforts to promote “regulatory reform”and likely impacts on the ACH system fromchanges in Federal and state oversight at boththe ACH Operator and institution levels.Level: Advanced

Maximizing Return on RDC atEvery Point of Contact

To optimize the organizational benefits ofRemote Deposit Capture requires analysis ofactivity at every potential point of transactioncapture. Modeling the mixed array of capturetechnologies employed at central sites, hubs &spokes, branches (including back-counter vs.teller capture), ATM, customers and lockbox,will enable your institution to pin-point the mostprofitable RDC deployment modes. But, this typeof review isn’t a one time event. MaximizingRDC profitability is an ongoing process as branchcoverage, configuration, interest rates and cus-tomer requirements evolve. To ensure RDC prof-itability, the models must be re-run periodicallyto identify what elements should be updated tocreate the most profitable mix. Speakers in thissession highlight the key components that mustbe included in RDC profitability modeling, andexplore RDC techniques that reduce expensewhile growing deposits and revenue.Level: Intermediate

Monday, April 26

14

Debit 2.0 – Affinity Debit CardPrograms

As more debit transactions occur and more competitors look to get a piece of the market it is vitally important for FIs to manage their debitportfolios to ensure they maximize their portfo-lio’s potential. This means making sure existingconsumers increase activity and encourage in-active account holders to get moving. This panelwill present how rewards are playing a bigger part in debit. Speakers on this panel focus onpopular reward programs, reward program busi-ness models, merchant-funded reward programs,FI Internet commerce programs, affinity card programs, and how debit rewards can be used in a segmented portfolio approach.Level: Fundamental

Mobile Payments in Future Tense

Speakers in this session explore the evolutionand future of mobile payments as a ubiquitouspart of our society. With more indicators thatmobile payments are now growing exponentiallythrough the world, speakers examine the social,economic, political, financial and legal implica-tions of mobile payments growth over the nextyear and forward to the next decade. The adventof mobile payments may signal an end to thecommon plastic credit and debit cards and cash.What will be evolving role of NACHA, banksand telecoms? How will consumers adapt? Howwill businesses manage the mobile payments rev-olution in B2B commerce? First Data and BoozAllen Hamilton have conducted cutting-edgework that provides participants with new insightson how mobile payments will be the focus ofpayments evolution.Level: Fundamental

Survey Says: Small Businesses WillPay for Services

Small businesses have a reputation for beingprice-sensitive, but new research has found thatthere is more revenue potential among these customers than many banks think. The presenterin this session examines the willingness of smallbusinesses to pay for services such as mobilebanking, remote deposit and advanced onlinebanking capabilities that save them time andincrease convenience. The speaker also discusseshow banks can better utilize relationship man-agers and use other techniques to deepen theirsmall business customer relationships, better satisfy their needs and increase their cross-sellingabilities. Attendees leave the session with a better understanding of what products they cancharge their customers for (and at what levels),as well as a checklist of bank best practices. The information in this presentation is based onthe findings of a July 2009 Aite Group survey ofapproximately 300 U.S. small businesses as wellas several bank surveys.Level: Intermediate

Beyond the Boilerplate: Agreeingon an Agreement

One of the most important pieces of the ACHorigination process is the agreement, which bindsthe customer originating ACH items to the termsset forth by the ODFI. While most customers willhave no problem signing an ODFI’s standardACH agreement, there may be some customersthat require additional language be added orremoved. What are the things to consider whenmodifying an ACH agreement for a particularcustomer? Who should be involved in theprocess? Attendees learn the steps that must betaken to craft an agreement that protects thebank as well as the needs of the customer.Level: Intermediate

Fraud & Security: The NextGeneration

In today’s world of online banking and cash man-agement, we are all familiar with the use ofmulti-factor authentication such as tokens.These types of tools are critical in mitigatingfraud and risk, and can be compared to the locksand chains that we put on the front door of ourhouse to keep the crooks out. But despite ourbest efforts, sometimes the bad guys get in any-way. So what do we do then? Speakers in this session address the next level of security—the“motion detectors” that show abnormal behaviorand the effective use of “alarms” that can bebrought not only to the attention of financialinstitutions, but also the “alarms” that can helpcorporate customers mitigate their own risk. Can you afford NOT to attend this session?Level: Intermediate

Monday, April 26


Realizing End-to-End Encryption &Data Level Security in thePayments Industry

Payment card data is a valuable target for fraudsters.The speaker reviews the challenges and opportuni-ties facing the payments industry to secure sensitivecard data through end-to-end encryption, cardauthentication technologies, and post-processingtokenization, as well as the prospect of applyingthese data security technologies to reduce and/orlimit the scope and cost of PCI.Level: Intermediate

Simplification is Simple:Navigating the “New”

The key to understanding Rules Simplification isknowing the Rules themselves have not changed.If NACHA’s Voting Membership approves theRules Simplification initiative, the 2011

will have a whole newlook. While the rules themselves will be thesame, where they can be found will be a bit dif-ferent. Speakers in this session explain the rea-soning driving the Rules Simplificationinitiative, review existing tools that can help prepare for the possible change, and share lessonslearned from the industry over the last two years.Level: Intermediate

Monday Night Celebration

Experience the power and joy of music in itsmany forms. Experience Music Project (EMP) is a one-of-a-kind music museum combininginteractive and interpretive exhibits. Enjoy livemusic, peruse EMP’s collection of over 80,000artifacts, or create your own music performing to a virtual audience or engaging interactiveinstruments. Don’t miss this landmark reception,sponsored by Fiserv.

Be Careful What You Wish for:Managing the Challenges Relatedto Electronic Bill PaymentAdoption

Consumer adoption of electronic payment channels and methods - Internet, IVR, e-mail, e-bill, mobile, ACH, debit card, ATM card,credit card, etc. - has hit critical mass and sur-passed other traditional bill payment channels.As electronic payment volume continues togrow, so does the scale of the inherent challengesassociated with them: administrative and NSFreturns, misapplied payments, unauthorizedreturns, compliance, etc. This panel of paymentexecutives discusses how they have successfullyaddressed these and other related issues; bestpractices on improving electronic payment adoption; providing the right electronic optionsto best meet the needs of diverse consumer populations.Level: Intermediate

The Impact of the EuropeanPayment Service Directive on U.S.Banks & Payments

Speakers in this session examine the EuropeanPayments Service Directive and how that modelcould affect the U.S. banking market. Were therelessons learned that the Americans could benefitfrom, and could using these lessons impact therecovery efforts of the recent financial crisis?Level: Intermediate

SEC Code Risk Management:Frauds, Fallacies & Facts

Many industry observers express concern aboutthe risks that the newer SEC codes, particularlythe eCheck codes, might bring to the ACH Network. Yet, the unauthorized return rates forPOP, ARC and BOC plus their sister code WEBare lower than the rate for PPD debits. Whatthen are the risk issues for the eCheck SECCodes compared to other ACH debit transac-tions? In this session, you’ll learn what’s reallygoing on in risk with the eCheck SEC codescompared to other debit transactions, whereproblems have really been revealed, where theyhaven’t, and ten risk management steps you cantake away to help prevent ACH fraud fromreaching your own doorstep. New research findings from NACHA suggest that some worriesabout fraud may be misdirected. In these times of tight operating budgets and bottom-line pressures, it pays to hone in on the areas wherefraud is more likely to quietly creep in.Level: Intermediate

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Tuesday, April 27



The Tangled Web: Attacks onBusiness Credentials

Online fraud involving the compromise of busi-nesses’ online banking credentials is increasing.Through a series of case studies, attendees of thissession hear how malware, phishing, and socialengineering are affecting financial institutionsand account holders. Learn how to protect your institution and your business customers byunderstanding the threats and what actions youand your business customers should be takingaggressively to thwart them.Level: Intermediate

Credit Card Issuers’ Responses toU.S. Legislative Changes

In May of 2009, the Credit CARD Reform Actof 2009 passed both houses of Congress and wassigned into law. This significant legislation hasseveral key elements, including limits on the re -pricing of existing credit card balances, spe-cific rules regarding the allocation of payments to balances, the elimination of universal default andtwo-cycle billing, and more. The majority ofthese new rules became affective on February 22,2010 - five months before the Federal ReserveUDAP rules are to go into effect. Speakers in thissession describe the legislation, detail how issuershave responded, and highlight the differentstrategic tactics that issuers have employed tomove forward in this new competitive environment.Level: Advanced

IAT Fraud Risk & ComplianceChallenges

Although International ACH Transactions(IATs) were created to make it easier for financial institutions to comply with sanction listregulations, the ability to send ACH paymentsinternationally more quickly puts a spotlight onthe most critical risk management challenges facing payments professionals today. Althoughthe initial risk management challenge uponimplementation in September 2009 will be toestablish effective OFAC screening mechanismsfor IATs, the inevitable adoption of this new payment type presents a broader range of fraudrisk and compliance challenges. Specific aspectsof IAT (such as the variations in reversal andreturn policies by country) combined with thegenerally higher risk level associated with cross-border money transfers presents significant fraudrisk threats for financial institutions originatingand receiving IATs. The operational challengespresented by interdiction and resolution of ahigher volume of both sanctions and fraud issuesare potentially significant.Level: Advanced

Rejection & Rebirth: Reinventingthe BankCard Payments Business

Once-restricted bank networks are courting openaccess and new customers and uses, commoditiz-ing themselves and proliferating competitivechoices for connecting transactions. Consumershave leaped past bank marketers in harnessingreal-time, pay-as-you-go digital technology toperform self-service and even market to them-selves. Yet while the rest of the world embraceschips and PINs and mobile phones as the newtechnology for payment security and conven-ience, U.S. banks have been loathe to disrupt thestatus quo of conventional card payments—evenin promising new venues like contactless ormobile payments. At long last, the U.S. is mov-ing away from the 20th century paradigm of sin-gle-function, ‘dumb’ cards to multi-function,‘intelligent’ hybrid accounts that support growingdemands for new form factors and the flexibilityto transact wherever and however emerging digi-tal lifestyles dictate. Learn how these develop-ments are impacting the fundamental economics

of the bankcard business, changing the nature offinancial and risk management, and creating newwinners and losers in the process.Level: Advanced

B2B – What Are the Hurdles to Advancing?

NACHA launched a Business Payments Projectin 2009 to grow the volume of electronic pay-ments among small businesses. The project deter-mined that small businesses are likely to originatemore electronic payments if the supporting func-tionality works seamlessly with their currentaccounts payable and receivable applications. A key barrier application providers confront,however, is how to collect and maintain reliableACH payment and remittance instructions forpayees. As a next step to the Business PaymentsProject, NACHA is seeking to promote thedevelopment of an open-source directory thatapplication providers can access to enable businesses to originate ACH payments withpayee-defined remittance. In this session, leadingproviders of small business desktop software andonline banking services discuss the need andbenefits of an open-source directory for growingsmall business electronic payment volume.Level: Intermediate

Tuesday, April 27

18

Rx for Banks & HealthcareStakeholders: An Update on theChanging Legislative Landscape

With healthcare reform as an active dialogue inboth chambers of Congress, consistent themescontinue to be part of the goal of reform that willrequire stakeholders to be prepared to facilitatepayment flows, combat growing bad debt, andimprove efficiency across the value chain. Speak-ers in this session examine the payment and col-lection practices across healthcare stakeholdersand how potential reform legislation enablesbanks to drive efficiencies between participants(health plans, hospitals, doctors and patients).McKinsey & Company shares their analysis ofthe evolving landscape and what to expect frombanking partners in order to support paymentneeds. Research material and roadmaps are presented describing current challenges andstrategies for being prepared for legislativechange. Presenters look at how challenges sur-rounding healthcare payments can be addressedthrough innovative use of scale solutions andoutline ways in which banks and healthcarestakeholders can be prepared to take advantageof changing rules and regulations.Level: Advanced

Revving-Up for Your 2010 RulesCompliance Audit

As the Payments industry continues to evolveand change so does the role of the auditor. Withrevisions to Appendix 8 and the addition of IAT,many organizations will need to adjust ACHaudit procedures to ensure compliance with the

. Speakers include repre-sentatives from the Rules Compliance Auditwork group, a Regional Payment Associationwho performs annual audits, and a financial institution. Are you ready for your 2010 RuleCompliance Audit?Level: Advanced

Leveraging Your IAT Investment

More than 97 percent of the 266,457 U.S. companies that export their products are small-to-medium businesses. Are your customersamong them? U.S. financial institutions havemade significant investments in IAT that can beleveraged in support of international paymenttransactions. IAT offers an efficient and cost-effective solution for financial institutions of allsizes to initiate international payments. Atten-dees at this session learn how they can leveragetheir IAT investment to attract and retain business customers.Level: Intermediate

The Essentials of U.S. PaymentStandards

Technical “standards” underline most of theproducts and services we use daily—includingpayment instruments like checks, cards, and theACH. Despite their importance, few paymentusers or even providers of payment servicesunderstand the essentials of standards, let aloneparticipate in creating and maintaining them.You can join “the few” that do by attending thissession and learning about X.9, the ANSI-accredited organization charged with developingtechnical standards for the U.S. financial servicesindustry. A diverse panel of practitioners who areactive within the X9 community discuss: ANSIaccreditation: what it means and why it matters,X9’s current standards development initiativescovering payments security, mobile payments,Check 21, and B2B transactions, how X9 represents U.S. interests to the InternationalStandards Organization, and challenges to pro-moting adoption of voluntary, non-proprietarystandards. Discover why the quality of payment

standards depends on input from a broad group ofusers and service providers. Learn how you canjoin your colleagues to influence the futurecourse of U.S. payments by participating on anX9 work group, or by turning your “good idea”into an X9 initiative.Level: Intermediate

The Underserved – PaymentsUsage, Preference & BrandPosition

Speakers in this session provide the audiencewith insights regarding how to profitably servethe underserved population based on new proprietary consumer research on payment products that the underserved own. Speakershelp the audience understand if the financialservices industry has successfully penetrated theunderserved with electronic payment options inthe last few years. Payment products that theunderserved prefer as well as a comparison ofpayment preferences in the underserved popula-tion in 2006 and 2009 are addressed. An assess-ment of whether or not the industry has beenable to shift payment preference away from cashinto electronic payment products and differencesin credit usage in 2007, 2008 and 2009 is made.Presenters compare how the underserved popula-tion is using their available credit and indicatesignificant shifts pre- and post- economic crisis,with brand awareness and preferences. Lastly,speakers share the conclusions on what brandsthe underserved trust most with their money,including banks, retailers, alternative financialinstitutions and others.Level: Intermediate

Tuesday, April 27


Legal Issues for Emerging Payment Products

The speaker in this session explores evolvinglegal issues that affect novel payment productsincluding payments in social networks, mobilepayments, prepaid cards, and ACH debit cards.Focusing on issues for new micropayment mecha-nisms, the status of key issues for the growth inthe mobile payment segment, including licensingissues, AML issues, the application of RegulationE, mechanisms for eSign compliance and use ofmulti-factor authentication, and the implicationsof the CARD Act for the viability of prepaidproducts, this session promises to be a thought-provoking look at the legal issues that shape thepayments industry.Level: Intermediate


Using ‘Green’ Messages to DriveeBill Adoption – A Case Study

While the adoption rate for electronic bill payment is high, consumers are much slower toadopt eBills over paper bills. This session will feature an innovative biller case study sponsoredby PayItGreen and the CEBP that used video e-mail (VMail) to deliver a compelling environ-mental message and increase eBill adoption. The case study also utilized a customer scoringmethodology developed by Accudata to improvecampaign conversion rates - and resulted in anew predictive model that determines whichconsumers are most likely to respond to ‘green’messages. Campaign results and lessons learnedare presented by the biller and Accudata.Level: Intermediate

The Future of Cards –A Processor’s Look

The cards business is more dynamic than ever.Debit card transactions have surpassed creditcards transactions for consumer wallet share. Prepaid debit cards have just begun to find theirway. The big four payment brands VISA, Master-Card, American Express and Discover havestarted to plot new courses. On the corporateside, debit is making inroads in payments as well.What does it all mean? Literally in the middle ofall of these changes is the “Processor.” In thispanel, some well-known processors give theiropinions on what the future may hold for cards of all types in the payments game. Level: Intermediate

Managing Risk at the CommunityBank Level

Speakers in this session examine best practicesand processes that will help the smaller commu-nity banks in managing their risk exposure whenit comes to originating ACH. For ODFIs, pro-tecting originators from fraud is a priority. Thereare several methods financial institutions use tohelp protect their originators, including callbacks, calendars and risk limits. Among the mosteffective methods of protecting originators is theuse of USB Tokens; however the cost and timeassociated with implementing any “strongauthentication program” is often a deterrent, particularly for an originator who has never beenthe victim of one of these viruses. Speakers discuss the typical profile of a keylogging scamand the experiences that one community bankhad in implementing a strong authenticationprogram and how they achieved customer buy-in.Level: Intermediate

Card Payments Review Creates BigROI & Little Investment

A case study on Lincoln Electric Company willbe presented showcasing its payments processingand management re-tooling efforts by applyingSix Sigma process improvement methodology.The company dramatically reduced its purchaseand credit card program operating costs, mini-mized its corporate risk, improved Days SalesOutstanding (DSO) and significantly cut pay-ment acceptance costs through interchange management. Results include $1.5 million annually in direct and indirect cost savings,higher customer satisfaction and fewer PaymentCard Industry Data Security Standards (PCI-DSS) security risks. Following the case study, a Thermo Fisher Scientific executive will compare and contrast its payment processing and management experiences to Lincoln Electric’s efforts.Level: Intermediate

Back from the Brink: How theConsumer Will Overcome aNear-Death Experience to Recoverin 2010

The U.S. economy is slowly clawing its way outof the deepest recession in decades. The creditcrunch has spiraled into the longest downturn inthe post-war period, but signs of stabilization andeven improvement are appearing, and rates ofcontraction seem to be slowing. The weakest linkis still the labor market. It will be hard to rebuildthe economy with the ranks of the chronicallyunemployed at post-Depression highs. Speakersin this session examine the impact of consumerbehavior and attitudes on the recovery. Whatfactors are driving consumer confidence levels?How will consumer behavior impact the recoveryof the stock market, residential real estate mar-ket, and retail markets? Has the administration’sfinancial stimulus package had the desired effecton consumer confidence? How do consumer atti-tudes influence commodity prices and inventorylevels? What positive and negative consumerinfluences are anticipated over the next year, andhow will these impact the economic outlook?Level: Intermediate

Tuesday, April 27

20

Collaboration to AddressPayments Fraud

Drawing upon the ongoing work of the RetailPayments Risk Forum at the Federal ReserveBank of Atlanta and its November 2009 round-table meetings, a cross-perspective discussion ispresented drawing upon the roles of the pay-ments industry, law enforcement, regulators andothers, facilitated to help understand how thesegroups can best share information, police badactors, and otherwise collaborate to improve the integrity of retail payments systems for thegood of all.Level: Intermediate

Social Media – The New Face ofPayments

New customers, new technologies, new behav-iors, new responses. Speakers in this sessionexamine what’s new, including payments conver-gence, cell phone image capture, cell phone payments, new marketing tools, the youth,unbanked, and immigrant segments. Connec-tions between these trends are made by exploringsome common themes: youth orientation; publicelectronic networks; speed; and consumerempowerment. Speakers project which ones arelikely to become major new sources of revenuefor financial institutions and explain why.Level: Intermediate

Conducting Business Outside yourJurisdiction – A Canadian View

As more and more companies conduct businessboth within and outside of their own jurisdic-tions, the need for effective global cash manage-ment services increases. Focus in recent years toaddress Anti-Money Laundering and TerroristFinancing activities have imposed numerous“Travel Rules” to many traditional Cash Manage-ment Services. As a result, services offered toInternational Players continue to evolve. Whathas this meant to companies conducting businessoutside of their own jurisdiction and in Canada?Learn what Canadian FIs can offer global playersto ensure access to the right amount of money, inthe right currency, in the right place, at the righttime and with the right information. By the endof this session, you will be familiar with theCanadian view of “global cash management serv-ices” covering Disbursements Collections andBalance Reporting through multiple Interna-tional Standards such as ISO 20022, EDI ANSIX12, UN EDIFACT and NACHA IAT. Speakersalso examine the future of payments in Canadaand what is on the Canadian horizon.Level: Intermediate

B2B Payments Take a Big Leap of Convenience

At the end of 2010, a new era of B2B electronicpayments will begin for banks and their corporatecustomers. That’s when the nation’s two wiretransfer systems, CHIPS and Fedwire, will be ableto include remittance information with a wirepayment. For payments professionals, this changewill rationalize the front end of the payments sys-tem by creating parity between the ACH andwire transfer in terms of convenience, ease of use,cost, efficiency and environmental benefits.Speakers on this panel discuss the potentially sig-nificant impacts this development will have onall parties in the payments value chain. Topicsinclude: the opportunities for banks that embracethe wire remittance standard as it becomes effec-tive at the end of 2010; the potential impact towire and ACH usage and volumes; the stepsbanks, corporations and vendors should take toprepare payments professionals to realize the

benefits of the new standard; and best practicesfor implementing a comprehensive native electronic payments strategy.Level: Advanced

PayPal & GMAC – FightingFraudsters: Protecting YourCompany from ACH Fraud

As consumers and corporates increasingly transition from paper to electronic forms of payment, fraudsters are being forced to find newways to cash in. In this presentation, PayPal andGMAC Mortgage present their best practices incombating ACH fraud. Speakers examine thelatest trends in ACH fraud and how companiescan protect themselves from such activities asthey review the complete range of fraud preven-tion issues, from on-boarding clients, authenti-cating identities, identifying trusted parties,validation of accounts, ACH positive pay, Uni-versal Payment Identification Codes (UPIC’s),Office of Foreign Assets Control (OFAC), debitblocking, and pseudo-accounts. How has the eco-nomic downturn affected banks and corporationsalike in terms of attempted fraud and what arebanking partners doing to protect their corporateclients? What can corporates do should fraudoccur? These and other pressing issues areaddressed and answered in this critically important session.Level: Intermediate

Tuesday, April 27


Looking Beyond the Mirror: Portalsare Not Just Another Pretty Face

Providing the information necessary for small business, middle market and corporate customersto make good business decisions is the foundationfor any successful online solution offering. Portalshave the potential to provide additional businessintelligence to businesses through various deliverymodels. While a portal approach has become thestandard in the industry, there are newer, moreinnovative variations on this theme. Speakers inthis presentation delve into the inner essence ofthese varying approaches to information delivery;explore the traditional and innovative dashboard;review information-driven customer interactions;and identify the Web 2.0 technologies driving thechange and the effect they have on user experience.Level: Fundamental

Using Link Analysis to IdentifyCrime Rings & Mitigate Losses

Professional and sophisticated fraudsters usuallywork within crime rings and are difficult to identify. They perpetrate fraud across paymentchannels, manipulate and falsify identities, takeover accounts and more, with detailed financialsystem knowledge that allows them to go unde-tected. Link analysis is the next generation in fraudprevention. It builds upon the collaboration thatexists between financial services organizationssharing information and best practices and helpsuncover past, present and future relationshipsbetween people, transactions and accounts. For thepast year, Early Warning has been working withCompass Bank to perform link analysis related todata in the National Shared Database. The twoorganizations present the results of their collabora-tion and provide an update on their progress.Level: Fundamental

Getting Payments Wrong: Top 10Ways to Drive Customers Away

Recession psychology is changing the way payments are designed, marketed, and deployed.Understanding this psychology and its impact onretail, corporate and mobile customers is essentialfor getting payments right. Join us for a comedicreview of the top ten ways financial institutionsdrive customers away by getting payments wrong.And learn how to get payments right!Level: Fundamental

Back to the Future: New Ways toPay with a Time-Tested Network

eCommerce activity continues to grow rapidly inthe U.S. Customers increasingly prefer to usetheir debit cards over other methods, but remainreluctant to use debit cards online due to securityperceptions. Presenters discuss how their compa-nies are working together to offer a new servicethat enables cardholders to pay for goods andservices on the Internet with their debit cards, indirect partnership with the cardholder’s financialinstitution. Presenters share the details of howthe service works; key drivers and customer needsthat led to development of the service; currentchallenges and future of e-commerce payments;and how financial institutions can generate revenue, reduce cost and deliver a secure, con-venient customer experience using debit cards.Level: Intermediate

Escaping Paper Processing & GoingGlobal: Payments Lawyers Speak

Check processing is going through a revolutiondriven by technical and operational change andby the globalization of commerce. Speakers inthis session take a behind-the-scenes look at howpayments lawyers help to shape the industry’sefforts to transform the payments world throughelectronification, convergence, and globalization.The legal structures surrounding any type of pay-ment are extensive and complex, and changes tothose payments, whether large or small, necessi-tate close scrutiny of the underlying legal frame-work. Hear from a panel of four payments lawyersabout the work they are doing within theirrespective organizations to get the rest of us outfrom under the burdens of processing paperchecks. After leaving this session, attendees havea better understanding of recent and proposedrules changes from the Electronic Check Clear-ing House Organization (ECCHO), whatNACHA is doing through its DCT, XCK andIAT initiatives, what the Fed is doing throughupdating its own services, hosting forums aboutthe future of check law, along with expandingFedGlobalSM Services and participating in theIPF initiative, and the efforts of private lawyersaround RDC agreements and building the IPF.There won’t be many opportunities to hear fourpayments lawyers in the same room, so don’t missthis session.Level: Advanced

2010 NACHA Payments SystemAwards Luncheon

Join us for this full-service luncheon where outstanding achievements in payments systeminnovation, quality, and performance are recognized.

Tuesday, April 27

22

Mobile Banking & Payments: MyPhone is Still Smarter than Yours!

One of the biggest bankingindustry misconceptions is that 20-somethingswill be the primary users of mobile banking andpayments. At PAYMENTS ‘09, eCom Advisorspresented groundbreaking primary researchrevealing that some phones are smarter than others, and that consumer propensity for mobilebanking and payments is far more correlated withthe sophistication of their mobile device thantheir age. Consumers equipped with touch-screensmart phones (such as the iPhone) were far morelikely to use mobile financial services than thosewith ordinary cell phones or even devices withfull keyboards, regardless of their age. The 2009study revealed that 41 percent of owners of thelatest smart phone technology used the device toaccess mobile banking and 21 percent for paybills online. In 2010, NACHA and eCom Advi-sors have partnered to expand and repeat thestudy. This presentation will reveal findings fromthe 2010 research - including an update onmobile banking adoption, mobile bill paymentbehaviors, and mobile web purchasing by devicetype, generation, income, WAP vs. App vs. SMS and other characteristics. In addition, thepresentation will also offer data and insights onthe keys to targeting mobile adopters across allage segments; mobile bill payment adoption andbehaviors; and the propensity to pay for mobileweb purchases via credit card, debit card, P2Pand mobile phone account. The session will provide insight into strategies to keep your institution competitive in the rapidly-changingmobile marketplace.Level: Intermediate

My Audit is Satisfactory, No Risk Here

Most financial institutions are very aware of riskin the ACH Network and almost all FIs have arisk management plan in place, but how preparedare you really? Is a satisfactory ACH auditenough? How well do you know your customer?Who is putting your FI in danger? Conversationrotates amongst a panel that contains both ACHoperators, an external auditor, and a bank super-visor. Speakers in this session focus on effectiveACH risk management and include cases of discrepancies between ODFI perceived risk vs.operator or supervisor perceived risk.Level: Fundamental

International PaymentsFramework (IPF), FRB Global ACH, & SWIFT

We all have heard of the Single Euro PaymentsArea and the cutting-edge developments theEuropean community has made to simplify non-urgent payment processing and reduce the cost ofprocessing these items. What if this model wereextended outside of the European community?What if the rules non-urgent payment processingwere shared by every country in the world? Learnhow NACHA is showing the world the path tothis utopia.Level: Advanced

Where’s the Cash?

It’s 10 p.m., do you know where your cash is? Or how it was used? And if you do, is it easilyaccessible? Speakers in this session address trendsin cash management, the pros and cons of cen-tralization, an evaluation of the technology available to centralize or maintain aggregators,and examine common tools to access bank services. The latest initiative to update BAIreporting standards is explained.Level: Fundamental

Handling Day 2 Exceptions forImage Exchange

Check image exchange has become one of themost rapidly adopted processes in the financialindustry. With nearly 60 million items being presented daily as images, there are bound to be exceptions. The speaker reviews the mostcommon questions about image returns andadjustments. Steps that your institution must follow to ensure compliance with the properhandling requirements for expedited re-creditand breach of warranty claims and the potentialrisks associated with the exchange of substitutechecks and images are also presented.Level: Intermediate

Tuesday, April 27


Merchant RDC: Capturing the Risks& Getting with the Program

Auditors and examiners have had over a year ofexperience using the FFIEC Guidance to performremote deposit capture audits and examinationsof banks. Banks have begun to get their programin line with their other payments offerings and inaccordance with the published guidance—butwhat are the most common findings and chal-lenges still facing financial institutions today?Learn from an examiner from the FederalReserve Bank and an auditor of RDC merchantcapture as they discuss the differences in auditspre-and-post guidance; the greatest remainingchallenges and how financial institutions areovercoming them; and what procedures andactions financial institutions use to ensure theyavoid losses and have a successful RDC audit.Level: Intermediate

The New Financial Order

The future of financial services will not look anything like the past, and the picture has notfinished changing. Over the past 18 months,IBM has interviewed more than 2,800 bank andcorporate C-level executives along with numer-ous governmental and regulatory executivesworldwide. IBM has used this information todevelop and broaden our point-of-view for thefuture of the banking and financial marketsindustry. The speaker shares the results of thisresearch, the resulting industry point-of-view,and specific actions that payments business executives need to consider over the next threeyears in order to intercept these major shifts inthe industry and gain a competitive advantage.Level: Intermediate

What's The Best Way to Steal aCompany’s Online BankingCredentials?

Speakers in this session demonstrate tacticsonline criminals are using today to hijack compa-nies’ online banking credentials. With thegrowth in the use of online banking by businessesnationwide and the stronger security mechanismsadopted by many retail banks for their portals,fraudsters have had to become creative andsophisticated in figuring out how to steal businesscustomers’ online banking credentials and engagein fraudulent activity. This presentation featuresa detailed visual description of how online crimi-nals are targeting (sometimes quite successfully)businesses’ online banking software. Moreover, itwill go into detail about the roles of Man-In-The-Browser (MITB) Trojans and mule networksLevel: Intermediate

Paycards: Cut Costs or Cut PaperPaychecks?

A new method of delivering employee wages hasgained widespread acceptance—payroll cards orpaycards. Employers are rapidly recognizing thebenefits that come from paycards: convenience,security, cost savings, and happier employees.Additionally, by switching to electronic pay-ments, businesses help preserve the environment.In recent years, adoption of electronic wage payment methods has dramatically increased andthe regulatory environment relating to electronicpayment methods has changed significantly.Speakers in this session provide an overview ofthe paycard industry, paperless payroll offeringsand options, relevant federal and state laws andregulations, the fundamentals of implementing a paycard program and tips for overcoming obstacles that prevent your clients from adoptingelectronic wage payments.Level: Intermediate

Third-Party Senders – Risks & Best Practices

Speakers provide an overview of the risks thatthird-party processors and third-party sendersintroduce into the ACH Network. Attendeeslearn from the regulators about examinationfindings and deficiencies noted for ODFIs thathad not appropriately mitigated the risk resultingfrom third-party sender activity. Best practicesthat one large bank employs to mitigate the riskof using third-party senders are highlighted,including due diligence, agreements, operatingand monitoring criteria.Level: Intermediate

Do We Need Check Law after Checks?

Speakers in this session take a look into thefuture of the payments industry and the possibil-ity of life for check law after the end of papercheck exchanges. Traditional paper checkdeposits and exchanges are transitioning rapidlyto remote deposit capture and interbank imageexchange. As a result, what is the ongoing role ofcheck law in the future? With the existence ofECCHO Rules and electronic payments rulesand regulations is there still room for check law?Could the industry use the existing check pro-cessing infrastructure and laws/rules for elec-tronic items that were never paper checks? Howdo protections for check images and electronicchecks compare to protections for paper checks?Speakers debate the pros and cons of both checklaw and electronic payments law and how thecheck world may react should paper checkdeposit and processing disappear.Level: Advanced


Tuesday, April 27

24

Payments for the FacebookGeneration

As the nature of social interaction between individuals on networking, game, and bloggingsites evolve and become more complex, there isan increasing trend towards people buying, sell-ing and bartering real and virtual goods and serv-ices. Often, there are virtual currencies created tosupport these online transactions and a few ofthese currencies become so popular that theystart finding acceptance for real world eCom-merce transactions as well. As this emerging con-sumer behavior finds widespread acceptance,electronic payments providers need to evolve tocreate new payment vehicles, risk and fraud con-trols and settlement processes to integrate andprovide a bridge between real world and virtualmoney. These new payment types would need tobe real-time and suitable for micro-transactionsto meet the requirement of these online virtualtrades. Speakers in this session look at thisemerging space through the prism of two livestudies and try to take a peek at what the futurelandscape might look like.Level: Intermediate

The Foundation of the NewRelationship with Customers

Bank options for earning sustainable paymentsrevenue are being reshaped in still unknowableways by demand- and supply-side shifts due toregulation, tightening credit and the recession.This panel seeks to create a dialogue with itsaudience about how enterprise payments groupscan place the customer at the center of productand process design to define a healthier, less-punitive transaction product that will result in amore reliable revenue stream and a better chanceto remain the customer’s choice for a primarytransaction provider. What are the new con-sumer pain points and evolving needs? Whenstability returns, how will consumers behave?What payments priorities should your organiza-tion be focused on to acquire, keep and expandcustomer relationships? This discussion will seekto illuminate the most effective ways peer finan-cial institutions are optimizing payments

Small Business Online Payroll –Payday for Everyone?

Banks are increasingly evaluating and imple-menting payroll services that specifically targetthe high-growth small business segment. Attendees learn how to overcome the challengesassociated with providing ACH Direct Depositto small businesses while introducing an innova-tive solution that helps increase loyalty. A solu-tion provider and financial institution walkthrough the launch of a small business onlinepayroll service including market research andbusiness case development, implementation andintegration strategies, best practices and lessonslearned, and balancing the promotion of businessclients’ use of self-service, online tools with critical high-touch customer service.Level: Intermediate

Payments to Europe: The Recipefor Success

Sample and learn the key ingredients for originating successful payments to European destinations. The menu features all the staples:IBANs, BICs, ISO 20022 Message Standards, the differences between the SEPA and nationalEuropean payments systems, as well as the simi-larities and differences between the U.S. andEuropean non-urgent payment systems. Examplesdemonstrating how the International PaymentsFramework (IPF) has shaped payments abroadenable attendees to take away processing tips forsuccessful corporate and personal payments toany destination in Europe.Level: Intermediate

SWIFT Corporate Access: NokiaDials Up a Better Way to ManagePayments & Banking Relationships

In today’s highly competitive global marketplace,businesses are constantly looking at ways to bet-ter manage their payments and banking relation-ships. The advent of the SWIFT CorporateAccess initiative presents treasurers with a pow-erful new connectivity tool. Speakers look atwhat it means for corporations to leverageSWIFT Corporate Access, how to assess SWIFTCorporate Access, and what criteria should beconsidered prior to adoption. Nokia shares theirbest practices in building a business case forSWIFT Corporate Access, along with practicalinsights on successfully navigating an implemen-tation in partnership with a banking partner.Additional topics discussed include supply chainservices; exceptions and investigations; elec-tronic bank account management; future trendsand strategies; the electronic bank account management (eBAM) project; and issues relatingto security.Level: Intermediate

RCC or ACH? To Image orElectronify . . . That is theQuestion

Speakers in this session review the operational,risk and legal issues associated with RemotelyCreated Checks (Demand Drafts) in comparisonto origination of ACH debits for preauthorizedrecurring payments. What is the optimum choicefor both banks and businesses? When weighingthe risks associated with both payment methodsalong with the costs for equipment and traininghow do you decide whether to use one or theother, or both?Level: Intermediate

Tuesday, April 27


The Headaches of VariousPayments & Entry Points –A Healthcare Case Study on PCI &Data Security

PCI compliance is complex enough without thatadded complexity of decentralized multiple entrypoints with varied methods of entry such as liveswipes, phone, on-line hosted web pages, lockboxcredit card payments, and correspondence. Addin the complexity of the healthcare industry suchas HIPAA and red flags regulation and additionaltechnology such as kiosks, portals, pre-visit col-lections via a third-party and headaches occurregularly. The session walks through a healthcarecase study consisting of the multiple paymentsreceived, the posting process, new technologiesand data security measures and the PCI impact tothe organization. The session has a healthcareslant but is applicable to organizations facing PCIcompliance issues with a myriad of paymententry points.Level: Intermediate

How Secure Vault PaymentsTM CanReduce Paper Payments, LowerCosts for Businesses & Create New Revenue

Speakers in this session share real-world storiesfrom organizations that have incorporated SecureVault Payments (SVP) into their online paymentoffering and the FI they partnered with that isoffering the solution. What is working? Whereare the challenges? What is the financial opportunity for both the business and the FI?How can your organization benefit? These ques-tions and more are answered in this lively paneldiscussion.Level: Advanced

Expanding the Pie: GainingGreater Share-of-Wallet with WEB& TEL

Speakers in this session provide a “soup-to-nuts”perspective of all aspects of “native ACH” appli-cations - the WEB and TEL Standard Entry ClassCodes. The content is based upon the premisethat these two ACH applications generate addi-tional sales without impacting existing transac-tion volume; expand target markets and meet theevolving needs of contemporary consumerdemands such as “just-in-time” payments andpayment options offering greater budgetary con-trols. Presenters entertain the audience with apoint-counterpoint discussion of the barriers andadvantages of each SEC code including historicalbackground, rules framework, trends in volumeand usage, and marketplace opportunities.Attendees take away a fresh perspective on howTEL and WEB can be advantageous as paymentoptions, along with a solid understanding of thecompliance requirements for both.Level: Intermediate

performance and reducing costs, while maintain-ing superior payments service levels for the mostprofitable customers.Level: Intermediate

Now That 50 is the New 30, isSame-Day ACH the “New”Next-Day ACH?

For many years, you have relied on efficient processing and settlement of ACH payments forone and two-day forward payments. Are youready for same-day check conversion, telephone,and Internet-initiated payments? Speakers reviewthe impact on originating and receiving banks, implications and expectations of originators,receivers, and vendors, as well as how same-dayACH can add value to financial institutions busi-ness strategies. During the session, speakers dis-cuss how a same-day ACH service has potentialto enhance funds availability by expediting col-lection of consumer debits; accelerate identifica-tion and disposition of payments needing to bereturned due to error or fraud; and expand busi-ness opportunities to a DFI’s account holders.This discussion identifies both benefits of a same-day schedule as well as issues and improvementsyet to be vetted.Level: Intermediate

Tuesday, April 27

26

Receipt Fraud: Reducing yourLosses Across Payment Channels

As the “Fraud Business” continues to evolvethere are significant changes to the types of fraudbeing committed. What was once simple, single-channel payment origination fraud is quicklybecoming a cross-payment channel fraud involv-ing both origination and receipt services. As thefraudsters have started using ACH in combina-tion with check, image, and card, you also needthe ability to look across those same channels.With the current growth of mobile banking, andthe anticipated growth of P2P payments thesetrends will continue as fraudsters will suddenlyhave more channels to use. The ability to iden-tify suspect deposit items based on both checkand ACH activity, as well as verify an account’sexistence and assess the risk associated withaccepting and processing an item, increases suc-cess in mitigating that risk. Learn from severalexamples of how two companies work together tospot and reduce your exposure to receipt fraud asit becomes a cross-channel risk for all.Level: Fundamental

channels bring to corporations. The findingsoffer the first of a kind view into how billing andpayment not only drives cost-savings but loyalty,likeliness to pay on time and overall profitabilityto billing organizations. Attendees learn whatfactors impact the choice of payment options andchannels, as well as the differences in ROI seenbetween biller direct and consolidated paymentchannels.Level: Fundamental

Corporate User Perspective on"Same-Day" ACH

The Federal Reserve will launch an opt-in service in second quarter 2010 that accomplishesthe depositing, processing, editing, distribution,and settlement of certain ACH debit paymentsduring the current processing day. The servicemoves up funds availability and expedites returnsby one day. The concept of accelerated ACHprocessing schedules has been discussed withinthe industry for years, and approaches have beenand continue to be evaluated. This new FederalReserve service introduces new capabilities andspecific benefits. In this session, a panel of expe-rienced corporate, financial institution, andACH Operator representatives examine the business, operational, risk, and educational implications of this new offering, and potentialalternatives, from the corporate point of view. Level: Intermediate

Fraud Prevention & RiskManagement: How toPre-Determine False Checks andCrack Down on Fraudster

The merchant and consumer benefits of allowingcheck payments are well understood in theindustry. However, people are still trying to graspthe processes involved behind validating checksand consumer identification, as well as the tech-nologies and best practices organizations shouldimplement to lower the risk of processing badchecks. Speakers address today’s best-in-classfraud prevention tools and explain how authori-zation systems validate IDs, issue risk manage-ment decisions and settle transactions ifapproved. Attendees will learn the front-andback-end technologies involved in this type ofrisk management program and what factors determine whether or not a check will bounce,while taking a glimpse into the massive depth ofdata processors use to determine whether or notfalse information is at hand and hear real lifeexamples of how a team of recovery experts andthe FBI joined forces to crack down and stopfraudsters.Level: Intermediate

The Impact of Billing & Paymenton Retention, CustomerSatisfaction, Product Usage & Profitability

Countless businesses offer their customers theoption to receive and pay bills thru multiplechannels and mediums. While cost reductionsare often cited as reason enough for offeringonline billing and payment options, the questionof whether these services can provide more tangi-ble value has lingered. Qwest Communicationsrecently conducted an in-depth quantitativestudy with Fiserv and Aspen Analytics that eval-uated the relative value of all bill payment andbill presentment channels, including paperchecks, recurring credit card payments, paymentsmade through the biller direct site, and onlinebill pay via the bank’s Web site. The presentersexplain how the results of this and other studieshave influenced the development of companieslike Qwest’s payment and billing strategies andthe value different online payment types and

Tuesday, April 27


Examining the ISO 20022 Message Standard: SimplifyingPayments & Gaining Vital CashManagement Info

As businesses increasingly compete on a globalplaying field, treasury faces the challenge of making payments and obtaining vital cash management information using a variety of messaging standards. This presentation examinesthe ISO 20022 message format that incorporatespayment initiation and reporting capabilities ofseveral leading standards into a single, unifiedstandard. Speakers examine how this new stan-dard is being incorporated into financial applica-tions at corporations and banks worldwide andhow it is helping organizations meet the regionaland global integration requirements of sharedservices centers, payment factories, centralizedpayables and treasury functions. Caterpillarshares its best practices, highlighting the execution and deployment of this new messagingstandard across its global operations, enablingimproved cash position management and recon-ciliation through the provision of real-time data and how they built a business case for adoption of the standard.Level: Intermediate

A Decade of Insight: OnlinePayment Trends 2000-2010

Online bill payment has moved from rarity toroutine with each year bringing new challengesand new opportunities to increase adoption anddrive payment volume. Speakers in this sessionshare the results of the newly released 2010 Consumer Billing & Payment Trends survey. Discussion encompasses growth in adoption: howonline bill payment volume compares to otherchannels; what consumers like and don’t likeabout receiving and paying bills online; changesthat have taken place during the last year as wellas the last decade; online payment trends andinsights into how to address slowing adoption;increasing the number of payments made byexisting users; suggestions for marketing onlinebill payment services; and new functionalities,such as payment widgets and person-to-personpayments.Level: Fundamental

IAT – After the Fall

September 18 has come and gone and the “new”International ACH Transaction (IAT) has been a required reality for six months now.Before last fall there was a great deal of discussionregarding the perceived need for the IAT and its ultimate impact on the ACH Network. IATgenerated a lot of talk, concern and uproar priorto implementation. What has been the reality?Speakers in this session examine what has actu-ally happened as a result of the new rules sincethe implementation date last fall from both abank and a corporate perspective.Level: Intermediate

Kicking Payments to the Curb:How Payment Convergence isDriving Greater Efficiencies

As treasurers look for ways to achieve greaterefficiencies, advancements in payments conver-gence are offering significant opportunities toimprove treasury practices. Speakers in this ses-sion explore the operational, legal and technol-ogy drivers of payments convergence and what itmeans to an organization’s treasury processes.Speakers outline the latest efforts to streamlinethe payments system including the industry’splans for winding down physical checkexchanges and the impact of reduced check vol-umes on check clearing costs. A status report oncheck deposit truncation initiatives and how theACH Network will be used to clear small dollarchecks is presented, as well as an update on thestatus of aligning the payment laws with the latest technology changes. In addition, presentersdiscuss how payments convergence has driveninnovation in both front-office and back-officeprocesses and how organizations and networkshave realigned to support future convergenceefforts.Level: Intermediate

Kick-off to PAYMENTS 2011Closing Reception

Take advantage of the closing reception in theexhibit hall and make those crucial connectionsthat will help propel your organization into thefuture. Enjoy this “Kick-Off to Austin” receptionsurrounded by cutting edge technology providers,payments service experts and organizationspoised to offer the solutions you seek in this verydynamic exhibit hall.

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Corporate Payments: WhatBusinesses Want from Their Banks

As a result of the financial crisis, businesses havedramatically changed their relationships withfinancial institutions. Their need for solutionshas never been greater, but there is also incredi-ble volatility in deposit and credit relationships.Insight into the minds of corporate treasurers—based on quarterly surveys conducted with NorthAmerican corporate treasurers—is provided.Topics covered in the session include changes in demand for treasury services; approaches tomanaging counter-party risks; and satisfactiongaps between bankers and their corporate clients.Level: Intermediate

Debunking the Myths about theUnbanked & Underbanked: SurveyFindings

This session presents findings from an in-personsurvey conducted among 400 check-cashing storeusers. The speaker in this session debunks themyths commonly held by bank executives, regu-lators and consumer advocates about unbankedand underbanked consumers. Among thesemyths is the belief that consumers are unbankedor underbanked because of cultural and attitudi-nal reasons. Instead, it reveals that people areunbanked for very practical reasons, includingcredit, pricing, cash flow and service issues. Fifty-three percent of unbanked consumers in AiteGroup’s survey are impeded by credit issues,while an additional 28 percent face pricing issueswith checking accounts, 12 percent are impededby cash flow issues, and 7 percent constrained byservice issues. Greater education and marketingwizardry is unlikely to succeed in attracting thisgroup to checking account relationships. Theonly way for banks to seriously compete is todeliver a better product and value proposition.Level: Fundamental

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Wednesday, April 28


The End of Plastic: Payments in2010 & Beyond

Plastic credit cards and debit cards are dominantin our society at the present time. However, assmartphones and sub-notebook (netbook) comput-ers become increasingly pervasive in the U. S.,consumers are going to start demanding paymentsolutions that can take full advantage of thesenew technologies. Many other countries, such asJapan and Hong Kong, have already shifted awayfrom a card-based payment system to one thatrelies primarily on mobile phones. Speakers inthis session aim to give attendees early previewsof new payment technologies being developed forthe U. S. market, analyze their potential impact,and discuss related implications for corporate andretail payments alike.Level: Intermediate

How to Take the Pain out of One-Time Payments

One-time electronic payments such as WEB andTEL transactions occupy an ever-increasing shareof ACH Network volume. Due to the uniquechallenges these payments create, many Origina-tors either do not offer them as options to theirconsumers, or offer them in limited circum-stances. This can lead to higher card processingfees and a perceived lack of payment choices asconsumers demand and expect more paymentflexibility. Speakers in this session discuss bestpractices for processing one-time payments,including risk mitigation, returns management,MICR parsing, and the implementation of aNOC application.Level: Advanced

Lessons from the Front: Paymentsin the Credit Crossfire

The recent recession which has affected thedomestic and global economies over the past twoyears has been referred to by leading economistsas the most serious financial crisis since the GreatDepression. It has been characterized by failuresin the consumer, financial, industrial and busi-ness sectors of the economy. Speakers in this session focus on the effects of the crisis on payments, payment methods and working capital. What should you do to protect your payments process for both outgoing and incom-ing payments? What does your access to credithave to do with your payment strategies andthose of your clients and your vendors? What arethe risks of sending and receiving electronic payments? Do you know what your ACH, remotecheck deposit (RDC), and other electronic pay-ment credit limits are? Hear strategies, lessonslearned and some best practices from a panel ofspeakers addressing these and other questionsfrom both the corporate and financial institutionperspectives.Level: Intermediate

Earning Your Ph.D. in RDC

Spend some time with a $2.7 billion, multi-unitbusiness that has been depositing all checks viaremote deposit capture (RDC) since October2008. Indiana University installed 100 scanners,and trained nearly 300 users in ten months acrosseight cities without adding to staffing or increasingtravel. Learn about the key components of theirRFP and how they implemented the system, andhow using RDC reduced deposit float, streamlinedcheck processing operations, improved interestincome, and paid for itself in the first year. Canother large universities learn from this successfulrollout, and how have different areas, includingathletic departments and retail outlets withinIndiana University benefited from RDC?Level: Intermediate

Cementing Your Future in thePayments Industry: Becoming an AAP

Is becoming an Accredited ACH Professional(AAP) on your career map? Are you thinkingabout taking the AAP exam this October, but arenot sure where to begin? Speakers in this sessionexplore the purpose and value of the AAP desig-nation and continuing education process, thescope of the AAP Exam and the practical stepsthat you can take now to reach your destinationby October. In addition, a newly-accredited AAP shares her experience with the exam processand how this important designation has enhancedher career.Level: Advanced

Wednesday, April 28

30

Buy a Little Time: New Bill PayModels that Help Cash-StrappedConsumers . . . & Get Billers Paid!

Since its inception in the mid 1990’s, online billpayment has become ubiquitous but has changedlittle. User Interfaces have improved, paymentspeeds are faster, but one key problem remains –if consumers don’t have the money they can’t paythe bill. Traditional bill pay does little to helpconsumers with this problem. They have to turnto draconian channels to come up with thefunds. The current recession has led to this prob-lem reaching far beyond the traditional ranks ofthe underbanked. Most Americans routinely livepaycheck to paycheck, and find themselves’ shorton funds. Now is the time for change. In thisgroundbreaking session, learn about the newsolutions that flip the bill pay model on its head– giving consumers flexibility and options, whileprotecting billers’ cash flow.Level: Intermediate

Reloadable Prepaid Cards in Branch – Research Study Results

Meta Payment Systems, Visa and the Center forFinancial Services Innovation share the results oftheir recent research study conducted to identifyboth the opportunity for reloadable prepaid cardsin financial institution branches, as well as themost effective sales channels and marketingapproaches. Attendees learn how to assess theopportunity for reloadable prepaid card sales intheir branches, as well as how to train and marketthis product within the branch environment.Level: Intermediate

Mobile Payments in Action: Five Case Studies from around the World

Speakers in this session present five examples ofoperational mobile payment systems from aroundthe world: Multiple Bank Participants; Bank-Mobile Operator Partnership; Multiple MobileOperator Participants; Single Mobile OperatorProprietary; and Third-Party Proprietary. By exam-ining the different sponsorship models that havebeen tried in various regions, participants gain agreater understanding of all the different businessmodels that are possible, and learn how to developstrategies to take advantage of multiple modelsthat may be present in their region. Speakers refer-ence the results of a North American consumersurvey on mobile payments, as well as a forecast ofmobile device adoption, showing the potentialmarket for different levels of mobile services.Level: Fundamental

Leveraging Business-to-BusinessNetworks to Build MarketAdvantage

The late 2009 expansion in several business-to-business networks shows that B2B markets arematuring, achieving quantifiable results, andextending their global functionality. Enabling thefull automation and integration of order-to-pay-to-post processes, including financing alterna-tives, business-to-business networks are now ableto deliver significant benefits to their partici-pants. In this informative session, speakersoverview B2B payment networks and their driv-ers, providing clear case study evidence support-ing the use of network services to create marketadvantage for participating stakeholders, includ-ing financial institutions and either corporate orgovernment suppliers and buyers.Level: Intermediate

Wednesday, April 28


Launching Disruptive ProductsFAST – Intuit PaymentNetwork

The speaker for this session discusses the casestudy of Intuit PaymentNetwork, a disruptivesmall business-to-small business ACH productthat Intuit recently launched. Highlights includethe journey/process of moving a product from anidea stage to an actual deliverable with signifi-cant resource and time constraints, including livedemos of the product. Specific focus is on bestpractices that were used at each stage of theprocess (Idea-Concept-Beta-Full Launch). Theresult is a customer-focused discipline that can beapplied for every product that is launched in market. Pitfalls and shadow beliefs to avoid whenlaunching new innovative products are alsoaddressed.Level: Fundamental

Migrating High-Cost ConsumerPayments to Lower-CostAlternatives

In a dynamic payments world with seeminglyendless combinations of payment channels andmethods, what can a biller do to migrate its customers to lower-cost options? Learn howchanges in biller’s approaches are spurring consumer adoption of electronic payments andhow you can change consumer payment habitsby offering electronic billing and payment, eitheron your company’s or a third-party’s Web site.Level: Intermediate

Growing Risks & Challenges ofePayments Enrollments

According to NACHA, there were 747 millionACH WEB bill payment transactions in 2008.This growing usage of e-payments by consumersis presenting a challenge to financial servicesorganizations in several areas. First, while theonline environment is a low-cost channel forprocessing payments, the exposure to risk andfraud is increased. In addition, a long or compli-cated enrollment process raises the abandonmentrate, thereby resulting in lost potential revenueor unhappy customers. To combat these chal-lenges, systems should be in place that simplyand quickly verify as much information as possi-ble, including account owner authorization andaccount status. There are currently more than145 million accounts and more than 204 millionaccount holders with Account Owner Elementsbeing contributed by financial institutions to theNational Shared Database. With this sharedinformation, FSOs can use Account OwnerAuthentication as a first filter for e-payments.Adding shared account status informationensures more protection. Speakers in this sessionshare information about about the risks, chal-lenges, opportunities and benefits of e-payments;how critical first filters in the e-payments processhelp reduce fraud and losses, while increasingrevenue and enhancing customer service; anddetails of how contributing Account Owner Elements data and Account Status data to theNational Shared Database delivers enterprise-wide benefits.Level: Fundamental

On the Phone & at Home:Consumer Deposit Capture

The consumer deposit capture stories are like somany in retail payments. Consumer buy-in pivotson the question of acceptance of the technology.Are scanners on the desktop and mobile phonesin the pocket enough to convince the consumerto embrace the future of remote deposit capture?The tools are already familiar, so what will deter-mine if banks succeed in rolling out successfulconsumer deposit capture programs? How willconsumer deposit capture technology be lever-aged to attract small business adoption? Speakersprovide a case study of the consumer captureexperience, with emphasis on the wins andopportunities.Level: Intermediate

Property Management Payment Needs

As financial institutions prioritize core depositgrowth, property management has emerged as an important vertical. Speakers in this sessionprovide first-hand experiences from a progressiveproperty management organization on their payment needs and challenges, and the value of a comprehensive payments solution to meetthese needs. Topics include how to build customer loyalty by understanding the uniquepayment needs and challenges of property managers; differentiate your financial institutionfrom the competition by offering an paymentssolution specific to property management;deepen your existing client relationships andbuild new ones; and grow core deposits by focusing on one of the most deposit-rich verticalsin the industry.Level: Fundamental

Wednesday, April 28

32

Creating a Payments Hub in Real Life

Speakers in this session examine a bank’s real-worldexperience—the implementation details and orga-nizational approaches - in the creation of a pay-ments hub. An agile approach was used, bothtop-to-bottom and bottom-to-top, but built upfrom individual business units’ requirements. Eachrequirement was done in a progressive buildapproach based on the principles of services-orien-tation and a consistent standards-based frameworkdesign. This process built common business func-tions that were reused for business unit needs tobuild the payments hub one value proposition at a time. The project has been progressing over the past four years with ROI for each step in theprogression. Services for Information Reporting,Payment, Fraud, Debt, Commercial Card are inproduction and able to be reused.Level: Advanced

Payment Notification & Tracking forWire Transfers

All the major parcel delivery companies offer popular package tracking/notification services, but payment providers have lagged behind. Theseservices could be especially useful when a paymentis traveling through multiple correspondent bankslocated across multiple national jurisdictions. Pin-pointing the source of a delay in such situations cancurrently be manually intensive and frustrating. In the fourth quarter of 2010, the wire transferoperators will implement a new message formatthat will have dedicated fields to carry tracking andnotification data in the payment message. Industryparticipants have begun to discuss possible ways touse the new format fields for tracking and notifica-tion services. Presenters describe the new track-ing/notification data elements that will be availablein wire transfer messages, discuss various businessmodels that could leverage the new fields to offertracking and notification services, and describehow s imilar services are being implemented inother markets.Level: Fundamental

How Johns Hopkins UniversityUsed A/P Card Settlement to DriveWorking Capital & FundAutomation

Treasurers today face the challenge of looking for new and creative ways to reduce costs whilemaking necessary technology and service invest-ments that deliver improved cash flow, increasedrevenue and enhanced operational efficiencies.In this case study, Johns Hopkins University andJ.P. Morgan share their best practices in imple-menting a fully automated A/P solution. Speak-ers outline the steps to building an effectivebusiness case, and demonstrate the revenue-gen-erating potential of the solution in order toachieve buy-in from university administration.This presentation illustrates the importance ofcreativity when it comes to funding initiatives in a difficult budget environment. Speakers alsolook at the value of working with a banking partner to get the most out of solutions availablein the marketplace today.Level: Intermediate

Self-Service: Beyond ATMs &Banking Services

Self-service technology is proliferating acrossmany industries and simplifying consumers’ lives,from the grocery store self-check out to DVDrentals to airline tickets, casinos and pharmacyinformation. Innovation around self-servicewithin the financial services sector will go farbeyond the traditional ATM. Growing consumerdemand for efficiency and accessibility whetherby laptop, mobile or kiosk combined with theretailer’s drive to increase customer loyalty andinfluence purchase behavior are key forcesbehind the future of self-service technology. Inthis session, you will learn how technology willpropel self-service in both the virtual and brick-and-mortar environments. We will explore self-service solutions for banked and unbankedconsumers as well as applications for employersto enhance employee satisfaction while managing expenses.Level: Intermediate

ACH Marketing: Finding CommonGround

The end game for all ACH Network participantsis network volume growth, and working togetherto promote the widespread deployment of effec-tive ACH marketing programs is critical. In thissession, attendees hear from representatives ofboth ACH operators what they’ve learned aboutdeveloping marketing plans, identifying targetmarkets, and coming up with effective and effi-cient ways to reach those markets. Find out whatopportunities still exist to expand ACH networkvolume, and leave this session with some ideason how to benefit from those opportunities. Inaddition, FMS presents information pertaining to the success of the Go Direct campaign. Pre-senters describe concrete, actionable tactics andpractices that you can put to use immediately.Level: Fundamental

Capturing an Elusive Market –The World of Global Remittances

In every corner of the globe, sending money backhome generates an enormous volume of low-value, non-urgent payments. These remittancesrequire different processes and even differenttechnology than more traditional payments.Speakers discuss how operational and technicalchanges are being implemented to offer newremittance models including closed loop, SWIFTremittance using correspondent banking, and theFed model available as of April 2010.Level: Fundamental

Wednesday, April 28


Developing Best Practices forExchanging Healthcare Payment Data

In the healthcare industry, operating rules toguide the exchange of payment information areinconsistent and result in a growing number ofdiverse peer-to-peer connections. Secure, private,authenticated exchanges of payment informationare essential, but unique connections complicatethe exchange of information, resulting in highercosts. Streamlining payment exchanges requiresthe industry to establish a uniform set of operat-ing rules and best practices that will safely andsecurely pass patients’ healthcare informationbetween providers and payers. Speakers sharepreliminary results from a collaborative partner-ship that is conducting a six-month pilot program to test a secure encryption and authenti-cation platform for exchanging healthcare pay-ment information. Speakers review the currentdifficulties stemming from the lack of a compre-hensive solution for authentication, describe pre-liminary findings from the pilot program, suggestrequirements for ensuring safe and secure pay-ment exchanges for all stakeholders, and discussnext steps to establish a single set of operatingrules for exchanging payment information.Level: Fundamental

A Changing Payments LandscapeRequires Innovative FraudManagement

Radical change in bank payment systems has led toincreased productivity, new business developmentopportunities, and more fraud. By exploring theevolution of payment systems and the fraud pre-vention strategies and tactics currently in place atfinancial institutions, speakers in this session iden-tify key opportunities to detect more fraud, mitigaterisk and minimize losses. Why does payment sys-tems integration remain an elusive goal? Why dofraud prevention systems fail to detect cross-chan-nel fraud? What can banks can do to mitigate cross-channel fraud risk? Speakers examine fundamen-tally new approaches to detecting and preventingfraud in payment systems and examine how lossprevention professionals can prepare for the con-tinued evolution of the payments system.Level: Intermediate

Leveraging Best Practices forInternational ACH Payments &OFAC

The U.S. is rapidly adapting to the globalization ofcommerce, further integrating the flow of funds andremittance information into the global economy.As a result, more financial institutions will be ableto provide international payment services to theircustomers. However, along with these new businessopportunities, come new compliance requirements,which are unique for international ACH payments.Speakers in this session take a closer look at thenew NACHA rules and provide a best practicespoint of view. Attendees learn best practices from amoney services business (MSB) compliance per-spective on how to partner with their ODFI tounderstand their compliance obligations, as well asthe banker’s perspective concerning how banksidentify appropriate risks to measure and how tocomply with OFAC. Attendees will take away abetter understanding of how banks evaluate riskassociated with a particular client or industry and achecklist to use when initiating an IAT.Level: Intermediate

RDC for Small Businesses . . .the Good, the Bad & the Ugly

Small businesses have unique value propositionsthat pose some challenges for standard remotedeposit capture solutions; including the need forintegration with accounting software, front-endauthorizations and returns handling. Presentersshare the findings of an Aite Group survey ofapproximately 300 small-business owners reveal-ing what factors would drive them to use RDCand which marketing tactics are the most effec-tive. Speakers also provide different examples ofremote deposit capture solutions offered today tosmall businesses.Level: Intermediate

Did the World Learn from SEPA?

The sub-Saharan countries of Africa, the MiddleEast, and Northern African countries are lookingat creating single payment areas with a commonstandard and rules to exchange paymentsbetween participating countries. Speakers in this session examine what is happening with theprojects, timeframes and expectations.Level: Advanced

WORKSHOPS — Sunday, April 25

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Introduction to the ACH & the

Making the Payment Decision: Best Practices forCorporate Originators

Card Payments 101

U.S. Payments Systems Primer

Inside the ACH File: A Walk on the Technical Side

Payments Risk 101 – A Risk Management Roadmap

Alternative Payments Primer

ACH 201

Interpreting Returns: What Originators Can Learnfrom ACH Return Data

Introduction to the Prepaid Card

International Payments Primer

Creating a Partnership: Third-Party Senders & Banks

The Changing Legal & Regulatory Environment

Mobile Banking – Getting on Board

Are you new to the PAYMENTS conference? Get the most out of your PAYMENTS 2010 experience with a conference overview and hands-on assistance in understanding the construct of the program.This orientation enablesyou to better select the sessions that are right for you, so you can more fully take advantage of all that NACHA’sannual conference has to offer. Badges are not required for this event. There is no additional cost for this session.

ORIENTATION

WORKSHOPS



Workshops give you the in-depthknowledge you need in a variety ofelectronic payments and e-commerce related subjects. Workshops are generally scheduledwith more fundamental aspects of thevarious subjects in the first set, fol-lowed by more advanced discussionsand concepts in the second set. If youare new to certain areas of the electronic payments industry, or needto brush up on your skill sets and learnthe latest concepts, then workshopsare definitely designed for you. A separate registration fee is requiredfor all workshops.

Introduction to the ACH & the

This introduction to the ACH Network providesa basic understanding of the transaction flow and participant roles, responsibilities, and relationships. ACH applications designated byStandard Entry Class (SEC) Codes are explainednoting consumer and corporate, credit and debit,traditional and emerging payments. The speakersprovide resources to aid attendees in findinganswers to questions after they return to theirshops. Suggested companion workshop is ACH 201.Level: Fundamental

Making the Payment Decision:Best Practices for CorporateOriginators

Companies have a myriad of options for collecting payments from consumers. Speakers in this session compare and contrast advantagesand benefits of these various applications andexplain the various rules governing these choices.Attendees receive a take-away resource to assistin applying the information after the conference.Corporate attendees are able to utilize the infor-mation in making their payment decisions, andbankers can use the information as a resource inassessing their customer’s needs. Suggested com-panion workshop is Interpreting ACH Returns:How Corporate Originators Can Learn fromACH Return Data.Level: Intermediate

Card Payments 101

The presenter in this workshop examines basicconcepts, models, transaction flows, and terms inthe card environment. Distinctions are madebetween debit and credit instruments, signatureand PIN-based debits, commercial and consumerapplications, in-the-loop and out-of-the-looppayment instruments, and the various card associations and networks. The evolving businessenvironment is examined, encompassing emerg-ing technologies, legal and regulatory issues, riskmanagement, transaction volumes and trends, aswell as the competitive environment. Financialinstitution and merchant perspectives and issuesare discussed. Suggested companion workshop isIntroduction to the Prepaid Card.Level: Fundamental

U.S. Payments Systems Primer

This pre-conference workshop features a high- level, generalist approach to the U.S. payments system today and into the future. Discover how the payments system works andwhere it seems to be going. Explore what thismeans for you and your organization. Speakersbegin by reviewing traditional payment types(cards, check, ACH, wires), then focus on newerand “emerging” payments methods. Theseinclude innovative uses of traditional payments,like check image, ACH e-check, and prepaid and contactless cards; and alternative ways tomake payments via the Internet and mobiletechnology. Whether you are a payments noviceor just need to refresh your knowledge of currentand emerging payments, this workshop offershigh-level value. Suggested companion workshopis International Payments Primer.Level: Intermediate

Inside the ACH File: A Walk on theTechnical Side

This workshop is a must for anyone supportingACH services, aspiring AAPs, or individualsdesiring to bring their ACH knowledge closer tothe expert level. Learn about ACH file and dataspecifications, code values, field definitions andrequirements, record layouts and more. Thespeakers take participants through an exercise ofwriting an ACH file without the assistance ofsoftware or a computer. Participants gain thetechnical knowledge needed to understand thedetails of an ACH file, helping their organizationto provide better assistance to corporate cus-tomers experiencing problems with the creationof their ACH files. Suggested companion work-shop is ACH 201.Level: Fundamental


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Interpreting Returns: WhatOriginators Can Learn from ACHReturn Data

Analyzing your ACH returns and acting on whatyou learn can improve your collection rate,reduce your transaction processing costs, andspeed your company’s cash flow. In this eye-opening workshop, presenters categorize ACHreturns by the problems that cause them and thepoints problems could be encountered includingat the accountholder level result in R01 Insuffi-cient Funds and R02 Account Closed returns;with information collection causing R03 NoAccount/ Unable to Locate Account returns; orconfusion with authorization language providedto consumers, or the way transactions are initi-ated, causing R08 Payment Stopped or R10 Customer Advises Not Authorized returns. In the B2B space, not providing the correctinformation or instructions to recipients oftenresults in debits to their accounts being stoppedby ACH blocks and filters. Speakers discuss sim-ple changes originators can make to reduce yourreturn rates and look at ways the corporate practitioner can increase the collection rate on return re-deposits. Suggested companionworkshop is Making the Payments Decision: Best Practices for Corporate Originators.Level: Intermediate

Payments Risk 101 – A RiskManagement Roadmap

This valuable workshop provides attendees witha roadmap for establishing and maintaining a riskmanagement program that can be easily under-stood and implemented by bankers, their man-agement, and credit management. It offers acomplementary approach to underwritingfocused on creditworthiness to support settle-ment risk and customer internal controls to guardagainst losses due to errors or fraud made possiblethrough variations in file structures, deliverychannels and control tools and processes. Speak-ers address the challenges associated with keep-ing bankers trained on risks, developing a creditpolicy that provides guidance for the evaluationand management of credit and fraud risks basedon risk controls available to the ODFI, and theimportance of broad-based participation in thedaily management of files causing exceptions.Also discussed are quantification and qualifica-tion of exposure and the relevance of distinguish-ing between maximum potential exposure andpractical risk in the underwriting process as wellas ideas for evaluating third-party senders and,where appropriate, their customer-Originators.Suggested companion workshop is The ChangingLegal & Regulatory Environment or Creating aPartnership: Third-Party Senders & BanksLevel: Fundamental

Alternative Payments Primer

New payment channels and technologies arebeing introduced at a breakneck pace. If you’refinding it difficult to keep up with them all, thisworkshop is for you. Speakers provide anoverview of the leading emerging channels forpayment initiation, such as mobile payments,NFC/contactless payments, “decoupled,” PIN-less, and reloadable debit cards, Revolution Card,PayPal, Google Checkout, Amazon Flexible Payments, NACHA’s Secure Vault Payments,and BillMeLater. In case this primer piques yourinterest, speakers provide a list of concurrent sessions that cover these emerging paymentstypes in more depth to help you make the mostof your PAYMENTS 2010 experience. Suggestedcompanion workshop is Mobile Banking—Getting On Board.Level: Fundamental

ACH 201

This workshop builds upon the principlesaddressed in Introduction to the ACH & the

Speakers drill downinto more complex concepts and provide moredetailed examination of the nuances of the

as they apply to pay-ment origination and receipt, risk management,rules compliance and enforcement, and excep-tion processing. Operational, legal, and businessaspects are explored, and insights into best practices are also shared. Specific attention ispaid to the warranties, liabilities and responsibili-ties surrounding ACH participation. Distinctionsare drawn between commercial and consumercustomer considerations. ODFI and RDFI perspectives, and the use of third-parties areaddressed. Suggested companion workshop isIntroduction to the ACH & the

or Inside the ACH File: A Walkon the Technical Side.Level: Intermediate


Mobile Banking – Getting onBoard

There are many experts in the payments fieldwho believe everyone should jump on the mobilepayments bandwagon now while there are stillsome open seats. However, do you have all theanswers needed before making the decision tomake that jump? Presenters in this workshopanalyze topics that directly influence the out-come of anyone’s mobile payment strategy—mobile operator control, operator billing, andunderlying payment mechanisms. These systemshave varying capabilities and economics associ-ated with them. Will mobile be able to adapt tothem and maintain a positive value proposition?Is mobile the freedom trail for merchants withpowerful consumer brands to break away fromdependence on card-based systems? Suggestedcompanion workshop is Alternative PaymentsPrimer.Level: Fundamental

Introduction to the Prepaid Card

Speakers in this workshop examine the strategic,business, and operational aspects of pre-paid orStored Value Cards. Information is presented fromthe financial institution and distributor points ofview for both branded and non-branded products.Learn about the different types of pre-paid offeringssuch as gift cards and payroll cards; open loop ver-sus closed loop, how the cards operate; the risksassociated with card issuance and acceptance;unique characteristics of pre-paid cards as com-pared to “standard” debit cards, and key legal andregulatory issues associated with such products.What is the future of the pre-paid card and howwill payroll, healthcare, and government benefitusage shape the future? Suggested companionworkshop is Card Payments 101.Level: Fundamental

International Payments Primer

This workshop offers a concise and comprehensivecrash course on global payments. Concepts such aspayment method alternatives, risk management,foreign exchange, message standards, emergingpayment types, regional updates, Islamic banking,and regulatory issues are covered. Key terms, play-ers, and industry developments are explained.Whether you are employed by a company withinternational disbursement and/or collectionneeds, or by a financial institution that is address-ing the global payment needs of its customers, thisworkshop equips you with a solid understanding ofwhat global payments are and what they mean toyour organization. Suggested companion workshopis U.S. Payments Systems Primer.Level: Fundamental

Creating a Partnership: Third-PartySenders & Banks

Third-party senders and financial institutions,when working together to develop a strong ACHorigination strategy and processing profile builton sound operating controls, provide the ACHNetwork with high-quality transactions thatdeliver significant value to originators andreceivers. Speakers explore the working relation-ship between a third-party sender and a financialinstitution, including a high-level case study ofan ACH implementation strategy and the tacti-cal activities that are leveraged on an ongoingbasis to manage quality. Suggested companionworkshop is Payments Risk 101 - A Risk Man-agement Roadmap.Level: Intermediate

The Changing Legal & RegulatoryEnvironment

How far is the law lagging behind technology inthe brave new world of payments convergence? Isit time to make changes to the law or regulationsthat apply to processing checks (Uniform Com-mercial Code and Regulation CC) or electronicpayments (The Electronic Funds Transfer Actand Reg E)? As paper checks are converted toeither images or ACH items, the rules for pro-cessing, returns, and adjustments are different.The question for the industry is should they be,or should the law acknowledge the “paymentsconvergence” and develop a unified legalapproach? What would that look like and whatwould it mean to the industry? Come to this session and see where the industry is going, whatare the possible outcomes, and when we think wemight get there. Suggested companion workshopis Payments Risk 101 - A Risk ManagementRoadmap.Level: Intermediate

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showcases over 115 education sessions and numerousopportunities to network on topics that span across your organization – too muchvital information to be covered without bringing members of your team.

Your organization’s payment professionals, operations, risk management, andbusiness development staff simply cannot afford to miss this conference. Call 1-800-487-9180 or 1-703-561-1100 to register your team.

This rate is not available online and can only be obtained by contactingNACHA Member Services at the numbers listed above.

Bring Your Team & Save

For best availability, make yourreservation online. Visit and click the Hotel Information/Accommoda tions tab for a link tothe Seattle Housing Bureau.

(Headquarters Hotel)1400 Sixth AvenueSeattle, WA 98101(1 block from Convention Center)Room rates: $214 single/double

1900 Fifth AvenueSeattle, WA 98101(4 blocks from Convention Center)Room rates: $189 single/double

721 Pine StreetSeattle, WA 98101(1 block from Convention Center)Room rates: $212 single/double

Reservations must be made by theSeattle Housing Bureau. For bestavailability, it is recommended thatreservations be made online through the link provided. The Seattle HousingBureau can also be reached by:

Phone:

Fax:

e-mail:

Reservations must be made before March 31, 2010. Please note thatavailability and rates are not guaranteedthrough this date; it is recommendedthat reservations be made as early aspossible. Registrants must make theirown hotel reservations through theSeattle Housing Bureau and areresponsible for any deposits, changes or cancellations.

Up to 17.4 AAPcontinuing educationcredits may be earned

for your attendance at PAYMENTS2010 sessions. Those attending any ofthe Sunday workshops are eligible foran additional 2.4 credits for eachworkshop attended. One renewalcredit may be earned for each 50minutes of a session in which youparticipate. Documentation ofAttendance Forms may be found inyour onsite conference program.

Approved for up to 17 CTP

recertification credit(s) by theAssociation for Financial Professionals.Comprehensive recertification policyinformation may be found atwww.AFPonline.org/ctp.

ContinuingEducation Credits

Accommodations

Hotel details, locations, maps, room rates, and information regarding deposits, changes and cancellations can be found online at:

or can be obtained by contacting the Seattle Housing Bureau via phone or e-mail.

Check out for special airline discounts!

REGISTRATION FORM

Name _____________________________________________________________________________________

Title ______________________________________________________________________________________

Organization________________________________________________________________________________

Address____________________________________________________________________________________

City/State/Zip_______________________________________________________________________________

Country _______________________________________ Phone ______________________________________

Fax___________________________________________ E-mail ______________________________________

Badge Name ___________________________________Spouse/Guest _________________________________

Member Discount Code (MDC) ________________________________________________________________The Member Discount Code (MDC) ensures that members of Regional Payments Associations and NACHA Councils/Forums,and NACHA Direct FI Members receive the benefit of member pricing. You must indicate a valid MDC to register at a memberrate. To receive this code, please contact the specific membership organization with which you are affiliated. Visitwww.nacha.org to discover the many benefits of membership.

TYPE OF ORGANIZATION! Commercial Bank ! Other Financial Services ! Higher Education Institution ! Third-Party Processor! Central Bank ! Corporation/Business ! Vendor ! Association/Non-Profit! Credit Union ! Government ! Network/Processor ! Legal/Consulting! Other

REGISTRATION FEES Please ensure that you are registered at the proper rate and type (i.e. Member/Nonmember, etc.). No refunds forrate adjustments, due to improper selection of registration type, will be made after April 12, 2010.! $1,475 Member ! $1,775 Nonmember ! $1,055 Government/Higher Education Institution! $775 Exhibit Hall Only/Guest**Exhibit Hall Only/Guest registration includes exhibit hall events and the Monday evening reception. It does NOT include

attendance at any conference educational sessions, including General Sessions.

WORKSHOPS –

! $220

IMPORTANT NOTICE: Advance payment required. No invoices. Multiple registrations: complete a separate form for each registrant and submit all at the same time.

CANCELLATION POLICY: Cancellation requests will not be accepted via telephone and must besubmitted in writing via fax or e-mail ([email protected]). Refunds will be processed for the amount paidminus a $200 processing fee if the request is received by February 26, 2010. NO REFUNDS will be granted afterFebruary 26, 2010.

hSPECIAL NEEDS: If you are disabled, require other special services, and/or have medical or religiousdietary restrictions, please attach a written description of your needs.

PLEASE NOTE: The e-mail address that you provide with registration will be released to NACHA’ssponsors and exhibitors in single-use pre- and post-conference list distributions. If you prefer not to have your e-mail address released, please send an e-mail to [email protected]. Phone and fax numbers are consideredconfidential and are not distributed.

PHOTOGRAPHS: NACHA will have professional photographs taken at PAYMENTS and mayreproduce them in NACHA educational, news, or promotional material, whether in print, electronic or othermedia, including the NACHA Web site. By participating in PAYMENTS, you grant NACHA the right to use your name, photograph, and biography for such purposes.

QUESTIONS: Contact Member Services, 800-487-9180 or +1 703-561-1100 or e-mail: [email protected]

1:00 p.m. – 3:00 p.m.! Inside the ACH File: A Walk on the Technical Side! Introduction to the ACH & the ! Making the Payment Decision: Best Practices for

Corporate Originators! Payments Risk 101 – A Risk Management Roadmap! U.S. Payments Systems Primer ! Alternative Payments Primer! Card Payments 101

3:30 p.m. – 5:30 p.m.! ACH 201! Interpreting Returns: What Originators Can

Learn from ACH Return Data! Creating a Partnership: Third-Party Senders & Banks! International Payments Primer! Introduction to the Prepaid Card! The Changing Legal & Regulatory Environment! Mobile Banking – Getting On Board

4 Ways to Pay(Payment must accompany registration)

1 Payment by ACH Credit: (Credit must be initiated by registrant)

Date of Credit: _____/_____/_____UPIC Routing # 021052053, Acct # 59058945. UseCCD format for single registrations. Complete in BatchHeader Record: 1) Company Name, 2) Company Discretionary Data (include last name and first initial),3) Company Entry Description (specify AN10). Formultiple registrations use CCD+ with type 05 AddendaRecord. Complete Company Name and CompanyEntry Description; identify registrants by last name andfirst initial in the Note segment of the Addenda Record.Mail or fax form to: NACHA, 13450 Sunrise Valley Dr.,Suite 100, Herndon, VA 20171 USA, Fax 703-713-1641, Phone: 703-561-1100.

2 Credit Card: Please charge $___________ to my:

! Visa ! MasterCard! Discover ! American Express

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Exp. Date__________________________________________

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3 International Payments:For international payment, request information [email protected] (include “International Payment”in the Subject line of the e-mail please) or call +1703-561-1100 and ask for the accounting department.Fax completed registration form to +1 703-713-1641.

4 Check: Enclosed is a check (made payable toNACHA) for $___________

Checks will be accepted onsite only if written on U.S. dollar accounts drawn on U.S. banks.

4 Ways to Register1 Internet http://payments.nacha.org2 Phone 800-487-9180 or +1 703-561-11003 Fax +1 703-713-16414 Mail Return registration with payment

(U.S. currency only) to:NACHAAttn: Conference Registrar13450 Sunrise Valley Dr., Suite 100Herndon, VA 20171 USA

wPrinted on recycled paper

ht tp : / /payments .nacha .org I 800-487-9180 39

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

Herndon, VA 20171 USA

Mark Your Calendar

and Plan to Attend the

Most Vital Industry

Event for Payments

Professionals!

Learn from more than 115 sessions in seven tracks that deliver a comprehensive look at today’s market and tomorrow’s next-generation payments drivers and solutions.

Conduct business with leading financial institutions, companies,and government entities.

Earn professional continuing education credits while expandingindustry knowledge.

Network with industry leaders and attendees who are driving payments innovation.

Preview the newest research and trends from the world’s leadingpayments experts.

Hear from exhibiting and sponsoring companies about industry-changing new products.

Presort StandardUS Postage

PAIDPermit # 5165Riverdale, MD

Documents

NACHA Payments 2010