ACH Basics: What Your Frontline Needs to Know
When your customers have questions, your frontline staff is the first place they go for answers. This session will focus on how to handle disputed ACH debits and when it is appropriate to obtain a Written Statement Under Penalty of Perjury versus a Stop Payment Request. We will also explore the differences between Regulation E and NACHA Rules and how to appropriately respond to reclamations. Attend this workshop and give your frontline staff the advantage of being able to offer the best customer service possible!
  - Ralph Price, AAP, BancorpSouth

ACH: Getting Up To Speed
Let us help you chart the course through the new and amended NACHA Rules and the hottest industry topics. NACHA is introducing a series of rules to implement the industry's risk management strategy. What you don't know can make your life more difficult. You will be better prepared to get maximum benefit from conference sessions by attending this workshop.
  - Danita Moss, AAP, Southern Financial Exchange

Get a Gold Star on Your ACH Audit
Just reading the audit requirements in the ACH Rules can be mind-boggling! This session will summarize the best practices to help FIs achieve an ACH audit that is fully compliant. We will also discuss areas you should review that are not included in Appendix Eight but can result in monetary loss and exposure.
  - Billy Reed, AAP, Southern Financial Exchange

Welcome:
  - Linda M. Bradfield, AAP, President & CEO, Southern Financial Exchange

Keynote Session: NACHA - New Leadership Perspective
Jan Estep is the new CEO of NACHA. She will share her perspective on the ACH Network within the context of today's dynamic financial services environment. The session will include a discussion as to how the ACH Network is being utilized and how it can be leveraged to provide value to all participants.
  - Janet O. Estep, CEO, NACHA

Win the Game of Deposit Gathering
You can win more deposits and you can retain more deposits! Learn how to use existing web-based technology and product sets to gain new commercial and consumer deposits. You will walk away with a definitive understanding of how you can positively impact your financial institution's financials.
  - Gary Brand, Director, Partner Programs, CheckFree

A 21st Century Toolkit For Selling and Servicing Technical Treasury Management Products
With newer products like remote capture, banks find themselves dealing with client software and hardware questions reminiscent of the DOS days. Is this treasury service supported by VISTA? Can more than one scanner be attached to this PC? What happens if my client's computer crashes? These and other questions will be the focus of this session which will offer practical ideas for the treasury management sales professional dealing with these matters.
  - Philip Brooks, 1st Vice President, BancorpSouth
  - Taylor J. Vaughan, CTP, Treasury Management Services, First Tennessee Bank, N.A.

NACHA's Secure Vault Payments-Alternative Payments Today and Tomorrow
Attend this presentation to understand more about the future of alternative online payment transactions. You will gain knowledge of volumes and trends in the alternative payment industry. Benefits to bankers, online businesses and government entities with Secure Vault Payments will be presented.
  - Steve Hagar, Senior Vice President, eWise Systems
  - Steve Barbera, Chief Deposit Officer, Britton & Koontz Bank

Vendor Product Showcase

Remote Deposit Capture: An Enterprise Strategy
Remote Deposit Capture (RDC) should be viewed as an enterprise strategy for financial institutions and their users. Increase your knowledge about all of the various capture points that are a part of the RDC solution and how they all fit together and complement each other. Attend this session and learn how to create a more effective RDC strategy for the enterprise.
  - David Tente, Business Development Manager, Diebold

Are you Prepared for International ACH Transactions?
IAT regulations that will become effective on September 18, 2009. What sometimes comes as a surprise is that every RDFI and ODFI will face new regulatory requirements regarding the IAT amendments to the NACHA Operating Rules. The NACHA rules will require every ACH payment entering or exiting the United States to be identified and formatted as an International ACH Transaction (IAT) and that each transaction must be reviewed (or screened) for OFAC compliance. Every financial institution needs to understand how it is impacted by the new IAT rules and be prepared for the acceptance and review of these items. Acceptance of these items is mandatory. Penalties for non-compliance with OFAC's regulations can be severe.
  - Billy Reed, Assistant Director - Member Services, Southern Financial Exchange

Intranets - Putting Information at Your Fingertips
Find out how an intranet can break down barriers of communication in all areas of the financial institution: marketing, operations, security, training, etc. Our panel will share their experiences on how to get the most out of this great communication tool.
  - Pratt Lewis, Vice President-CIO, Guaranty Bank & Trust Company

Vendor Product Showcase

Online Payment Service Providers - A Profile
As more payments shift to the Internet, as reflected in the growth of e-commerce transactions, consumers are demanding convenient, low-cost, and secure online payment services. The number of online payment service providers continues to grow to meet consumer and merchant needs. Financial Institutions need to be aware of how these non-banks operate in the payments process, and understand the risks and impact to FIs and customers. This presentation will cover who the big and not so big online payment service providers are and what services they provide. Compare the financial, operational, and data security risks, if any, that OPSPs bring to the payments system.
  - Marianne D. Crowe, Vice President, Consumer Payments Research Center, Federal Reserve Bank of Boston

Concurrent Sessions III

Challenges of Electronic File Management
Existing bank practices, procedures and systems designed years ago to coordinate the flow of physical documents and reports may not adequately address an electronic "virtual" environment. Moving from paper to electronic files presents challenges in tracking file movement. This session will focus on the opportunities and challenges that must be addressed. You will gain a clear idea of how to address the operational, procedural, and risk management aspects of electronic file management.
  - Trent Fleming, SVP, Software Earnings

The Landscape of Rules for Image Exchange
More checks are being cleared today as images but each may pass through multiple institutions and exchange networks before achieving final payment. Attend this session and understand the risks, associated regulatory environment, and the rules and agreements to mitigate these risks when exchanging images.
  - Ellen Heffner, Director - Product Management, ECCHO

Successful Project Implementations
Learn the benefits of successful project management practices and become more successful with your organization's projects no matter how large or how small the project. Discover the steps to creating the original project scope including personnel, customer impact risks, hardware/software decision, facilities, time and costs.
  - John Hargrave, Principal, DD&F Consulting Group

Vendor Product Showcase

Mobile Banking - The New Epoch?
Most people leave home and work and never look back at their PCs. However, these same people would never think of going anywhere without their cell phones. Feature-rich mobile banking is allowing customers to pay bills, view balances, transfer funds, monitor accounts and receive immediate alerts when unauthorized transactions occur in their accounts. Learn how to avoid the pitfalls of mobile banking and get it right the first time.
  - Thomas B. Houston, President, T. Houston Technology Group

The Wild, Wild WEB
Our challenging economy and concerns about the environment add up to increased interest in shopping online and alternative payment methods like ACH WEB transactions. Is your institution ready for this new frontier? We will lay out a number of critical issues for financial institutions considering offering WEB to originators.
  - Deborah Matthews, AAP, Electronic Strategies Director, Jack Henry & Associates/ProfitStars
  - Laurie Appelbaum, AAP, Member Services and Communications Manager, Electronic Payments Network

Handling Day 2 Exceptions with Image Exchange and Remote Deposit Capture
This session will address frequently asked questions concerning how to handle Day 2 exceptions when processing image exchange and remote deposit capture. Hear about the latest exceptions and how to process them.
  - Angie Smith, AAP, SVP, Director of Check Education, PaymentsNation

Vendor Product Showcase - EFT Network, Inc.
EFT Network's FAXTellerPLUS, the first of its kind, is a brand new way for banks to offer a remote deposit capture solution, using a standard fax machine.

Bridging the Confidence Gap: A New Approach to Financial Regulation
Dr. Gunther will analyze the extraordinary challenges facing the financial services industry, discuss proposals for regulatory change, and solutions to these pressing policy concerns. You will gain a deeper understanding of the causes of the current financial crisis.
  - Dr. Jeffery W. Gunther, Assistant Vice President and Senior Economist, Federal Reserve Bank of Dallas

Concurrent Sessions V

The Regulators Are Coming! The Regulators Are Coming!
Join us to learn how to prepare for your next exam. Our panel of experts will provide you with the inside track on what they will be looking for the next time they visit your Institution. They will review the latest guidelines on remote deposit capture, ACH compliance, red flag, overdraft protection programs and more. This will be a very interactive session, welcoming your questions and comments. So join our session and learn how to prepare your Institution for your next exam.
  - Speaker TBA

Keys to Success in Managing Originator Risk
Many originators and third-party senders go out shopping for an ODFI these days and they are making interesting offers to get you to be their ODFI. Will you know what to do? With the increasing focus on risk management in the ACH Network and NACHA's recently implemented ODFI reporting requirements rule, many ODFIs are rethinking their relationship with some of their originators/third-party senders. As ODFIs drop these entities because of potential fines, they start shopping around for a new ODFI. Each ACH originator represents their own level of risk based on specific criteria. This session will provide you with tools and information to make good decisions about new originators and to mitigate potential risks with your existing originators.
  - Don Jackson, AAP, CTP, Senior Vice President, First Tennessee Bank
  - Wendy Wishon, AAP, Vice President, MPX
  - Kim Hawes, AAP, VP Risk Management, ACH Federal, LLC

Improving Operational Efficiency
An efficiency strategy is the most effective tool for cost control and profit enhancement. Efficiency itself is only meaningful within the context of a bank's long-term strategic plan. There are no absolutes, except for evaluating your current position and comparing to where you want to be. Once these steps are complete set a level of performance that is attainable. This session is lead by participants that have taken proven steps to improve their companies' efficiency ratio through use of branch and merchant capture, ACH, outsourcing item processing, web-based cash management, and statement delivery, all of which resulted in significant cost controls, reduction in courier service and improved customer service.
  - Judy D. Long, Executive Vice President, First Citizens National Bank
  - Scheila Davis, AAP, Vice President, Hancock Bank
  - Scott R. Brun, Product Solutions Consultant, Fidelity Integrated Financial Solutions

Vendor Product Showcase

Micro Business & Consumer Capture: Love Story or Risky Business
With small businesses viewing remote deposit capture as a way to improve their productivity and cut costs, this session will provide informative, relevant, and timely advice for financial institutions to serve this emerging market. We will examine the risks and rewards, technological challenges and innovations, best practices for mitigating risk, regulatory implications and the role of ACH.
  - Deborah Matthews, AAP, Electronic Strategies Director, Jack Henry & Associates/ProfitStars

Best Practices Preventing Fraud in Online Banking
With the widespread use of online banking and the Internet, it is more important than ever to protect financial institutions (FIs) and their customers from security risk. Everyone, including FIs, government regulators and customers recognize the need to continue to enhance the authentication systems and practices that reliably authenticate customers accessing Internet-based banking applications. This session will provide an overview of the authentication options available and in use today, what to expect in the future, the impact on financial institutions and their customers, and the pros and cons of the various options.
  - Debbie Smart, CTP, Senior Consultant, ACI Worldwide
  - Todd Bevan, Product Consultant, ACI Worldwide

Who Are Your Competitors? Maybe Not Who You Think!
Your competition is no longer just the bank or credit union next door. We will explore the various business entities competing for your customers business, more specifically, for their deposits. We will also look at corresponding products to offer, evaluate whether we want to compete at certain levels and hopefully receive lessons learned from fellow attendees. You will learn to view "competition" from a different vantage point, consider ways to compete and recognize who is competing for your customers' deposits.
  - Steve Barbera, AAP, SVP & Chief Deposit Officer, Britton & Koontz Bank, N.A.

Vendor Product Showcase

Business Continuity
Description TBA
  - Jimmy Sawyers, Vice President of Financial Services Consulting, Securas Consulting Group LLC

Got Identity Fraud? Latest Identity Fraud Techniques and How to Protect Your Organization
This session will define the different types of identity fraud in use today and explain synthetic identities, fraud rings, patterns and behaviors of fraudsters. The presentation will discuss how fraudsters operate and include real life case studies of the techniques used by fraudsters to evade detection. Additional topics to be presented include geographic hot spots for identity fraud and internal data breaches. Don't miss this session if you want to learn how your organization can effectively manage identity fraud and the methods and ways to get fraud under control.
  - Mason Carpenter, Director Risk Solutions, ID Analytics, Inc.