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Refreshments
Sponsored by: BancorpSouth

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Pre-Conference Workshops (Optional - Additional Fee of $95.)
Walk ins are welcome. You may register and pay with a check on site. Be sure to arrive early.

ACH Audit & Risk Assessment
Have you revised your ACH audit plan for 2010? If not, you won't want to miss this session! Attendees will earn about the Rules Audit Enhancement Rule amendment, which went into effect December 18, 2009, and how these impact the 2010 ACH Audit. 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. We will also discuss what the Risk Management and Assessment rule amendment, which goes into effect June 18, 2010, means to your financial institution.   - Billy Reed, AAP, Southern Financial Exchange

Navigating the Payments Highway - Understanding Payment Options
How to pay or get paid is of utmost importance to businesses. Understanding the myriad payment options is a quantum task. This session will provide an overview of the different payment options available to businesses and will identify the best payment methods for your business customers. You will participate in case studies to apply the information provided.
  - Wendy Wishon, AAP, Vice President, EPCOR

ACH Update
Let us guide you through the new and amended NACHA Rules and the hottest industry topics. You will increase your understanding of payment applications, their real-world use, benefits and risks. You will be better prepared to get maximum benefit from conference sessions by attending this workshop.
  - Danita Moss, AAP, Southern Financial Exchange

Lunch on your own

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

Keynote Session: Overview of the Banking Landscape in 2010
Mr. Patterson will discuss consolidation in the industry as a direct result of the recession and the impact of the economy on providers' ability to grow and the resultant expansion plans. We will hear his views on the dramatically changing regulatory landscape and how it may play out in Congress and in the regulatory agencies. He will address such questions as: What will be the likelihood of new generations of regional banks being developed, and how will that affect the opportunities and strategies for community banks to adapt? How will we, as an industry, attract capital and meet shareholders' expectations?
  - Aubrey Patterson, Chairman and Chief Executive Officer, BancorpSouth, Inc.

Concurrent Sessions I

Online Banking: Trying to Stay Ahead of the Bad Guys
Financial institutions offering cash management services via the Internet walk a fine line: convenience versus risk of loss due to fraud. This session will define some of the risks being faced today by FIs and their customers, and offer a variety of responses to those threats. These responses necessarily include technical, legal, and reputational considerations.
  - William A. McLarty, CTP, Vice President, Trustmark National Bank
  - Paul Carrubba, Attorney, Adams and Reese LLP

Mobile Computing: Risks and Opportunities
As cell phones and PDAs and Smartphones become more widespread, both consumers and vendors are looking for more ways to leverage them. Migrating the current Internet Banking capabilities to the mobile platform seems to make sense, and in fact many are already taking advantage of this functionality. This session will look at the history of remote consumer access, discuss operational and financial risk issues, and offer insight into developing a comprehensive strategy for mobile banking.
  - Orlando Vanin, Vice President, Fundtech Corporation

Leveraging Vendor Management to Reduce Costs and Improve Processes
Increasing regulatory scrutiny is forcing banks to take a hard look at the companies they are doing business with. This session is intended to lay the groundwork for effective vendor management, and provide insight into developing and managing a program that will ensure both regulatory compliance, reduced operational risk, and lower costs of procuring and using software, services, even hard goods. Participants will leave with a firm grasp of vendor management issues, and how to start improving or developing their own program.
  - Trent Fleming, Consultant, Trent Fleming Consulting

Refreshment Break

Concurrent Sessions II

Rumors and Speculations
How often do people hear of a new way to process payments but don't have all the details? While something that is new and shiny may sound intriguing, once the layers of the onion are pulled back sometimes the latest and greatest might not "smell" so good after all. Let's attempt to control the water cooler assumptions and share facts, figures, and realities. Just because something reads: "one size fits all" it does not mean everyone should wear it. Join us for some valid and substantiated information so you can better decide what "new" ideas you and your institution should pursue.
  - Marty Regan, AAP, Senior Vice President, Hancock Bank
  - Don Jackson, AAP, CTP, Senior Vice President, First Tennessee Bank, N.A.

NACHA's Secure Vault Payments- A Key To Unlocking New Revenue Streams
Attend this session to learn how Secure Vault Payments is opening up new revenue opportunities for large national banks as well as community banks. We'll detail the benefits for those that have deployed as well as clearly articulate the value proposition for those that are considering. You'll hear exciting updates on the development of the bank network, including the latest statistics and network usage. When we compare the success of SVP with other alternative payments, you'll walk away from this session understanding why some analysts are calling Secure Vault Payments the greatest opportunity for financial institutions in the last 10 years.
  - Kendall Myles, Senior Vice President, eWise Systems

The Upside in a Down Economy: Maximizing the Benefits of Remote Deposit Capture
The need for financial institutions to grow deposits and increase liquidity has never been more critical than over the last year. Even in a challenging economy, RDC demonstrated a proven track record of increasing deposits. Those institutions with a strategic approach to RDC have enjoyed expanded market footprints, new customers, retention of current clients, all of which have yielded greater deposits. Roadblocks to deploying RDC to clients include perceptions of risk, concerns over regulatory compliance, and lack of planning and resources. We will examine and demystify the barriers, and provide practical tactics that can be employed at institutions of all sizes to make the most of the advantages RDC promises.
  - Deborah Matthews, AAP, Director of Payments Strategies, Jack Henry & Associates/ProfitStars

Welcoming Reception - Cocktails & Hors D'oeuvres with Exhibitors (cash bar)
Sponsored by FIS

Registration Open

Networking Continental Breakfast

General Sessions

Escape From Wonderland: Roles and Responsibilities in the Future of Payments
As we enter a new decade of payments and look to the future, the industry faces some of the same type of challenges that Alice faced in Wonderland. Mr. Oliver will discuss these challenges and some possible solutions that will prepare you and your organization for success.
  - Rich Oliver, Executive Vice President, Retail Payments Risk Forum, Federal Reserve Bank of Atlanta

Exhibit Review & Refreshment Break

Concurrent Sessions III

The New Reg E Rules: An Industry Responds
Attend this session to better understand the emerging value propositions that will result from recent changes to Regulation E. You will learn how the financial services industry is responding in terms of product innovation, value proposition development, and reorientation of revenue versus risks. New rules go into effect in July 2010 so this issue will be top of mind as banks and credit unions are in the midst of adjusting strategies to serve customers in light of these changes.
  - Robert A. Seals, Jr., Senior Vice President, Hancock Bank

Recent Developments in Electronic Payments Law
The payments industry is experiencing unprecedented changes - in technology, in regulation and in payments innovation. This session will focus on legal issues raised by these changes and the impact on electronic payments law. Topics will include regulatory and compliance developments, legal issues raised by changing technologies and recent amendments to the NACHA Operating Rules. Ms. Larimer will explore the state of efforts to promote "regulatory reform" and likely impacts on the ACH Network.
  - Jane E. Larimer, Executive Vice President of ACH Network Services and General Counsel, NACHA

Cross Channel Payments - Risk and Reward
Converging back office functions for payments channel processing certainly results in enhanced customer service and staffing efficiencies. But, hard dollar benefits also lie in the consolidation of common functions for AML, watch list monitoring, fraud detection, returns processing and research and adjustments. Join this session to look at threats and trends related to payments risk management. We'll discuss a roadmap for cross-channel risk and loss reduction.
  - Erik Stein, AAP, CRP, CAMS, Vice President, Solutions Architecture, Fiserv

Concurrent Sessions IV

Simplification is Simple: Navigating the "New" NACHA Operating Rules
The key to understanding Rules Simplification is knowing the Rules themselves have not changed. If NACHA's Voting Membership approves the Rules Simplification initiative, the 2011 NACHA Operating Rules will have a whole new look. While the rules themselves will be the same, where they can be found will be a bit different. Learn the reasoning driving the Rules Simplification initiative, review existing tools that can help prepare for the possible change, and hear lessons learned from the industry over the last two years.
  - Jane E. Larimer, Executive Vice President of ACH Network Services and General Counsel, NACHA

Seizing the New Reality: Preparing to Outperform in Times of Recovery
2010 looks to be the turnaround year for our industry. As part of the recovery process, many institutions are looking at their performance in the wake of the recession. More than ever, there is a keen eye on their business processes. This session will reveal findings from a unique benchmarking study, cover industry trends and provide proven best practices that you can put to immediate use to drive performance at your institution. You will hear examples of how institutions can experience profitable growth through a variety of operational improvement initiatives in areas such as the credit process, branches and online delivery, risk management, and the leveraging of technology standards and business intelligence throughout the enterprise.
  - Sam Kilmer, Vice President, Harland Financial Solutions

Healthcare Revenue Cycle Reform - Can Banks be the Bridge?
Processing $1.9 trillion payments a year, healthcare is the largest industry in the U.S. and is ripe for transformation and is one of the best high-growth markets for financial institutions. Attend this session to learn how financial institutions can serve as a data bridge between the insurers and the medical providers, electronically capturing, reconciling and processing healthcare billing information resulting in fewer touch points within the receivables management cycle and providing a standardized collection process across the organization.
  - Chris Rohner, Remittance & Healthcare Payment Solution Consultant, FIS (Fidelity National Information Systems)

AAP Recognition Luncheon & Speaker
Co-sponsored by NACHA

Setting the Stage for the Future of Payments
Are financial institutions taking the necessary steps to meet the payments needs of customers tomorrow? The products, infrastructure and business models of the payments industry may not be keeping up with changes in the market. What is needed to deliver the innovative payment services customers will demand in the future? In this session, you will learn about the challenges facing the payments industry in adapting to changing market demands. You will walk away thinking about the longer-term issues facing your payments business.
  - Steve Ledford, Senior Expert, McKinsey & Company

Concurrent Sessions V

B2B Payments in the ACH World
ACH B2B Payments, which have been challenging for customers for decades, are finally easy! (Really!) Encouraging and supporting electronic B2B payments, particularly for small and medium business customers, may seem like an elusive goal that has challenged the payments industry for decades. Recent initiatives in the delivery of payments tools for this market are truly bringing the next evolution in B2B services. These services help financial institutions deal with the challenges they have been faced with in the past such as costliness, complexity, inefficiency and poor client experiences. This session explores the solutions now available for financial institutions and their customers, and how the banking industry can now provide B2B payments services for their customers; answering the question "what's in it for me and my customer?"
  - Debbie Smart, Senior Consultant, ACI World

What's Going On with Digital Checks and Electronic Payment Orders
What if you could create and send a digital check that is still a "check" from your mobile phone, home or office computer? What if you, as a financial institution, could offer an exciting new check-based service to your customers? And what if you discovered this isn't just a far off idea but one where imagination and existing technology are converging to make this a reality? Attend this fast-paced session to learn more about the latest transformation in processing check transactions -- the Electronic Payment Order (EPO).
  - Ellen J. Heffner, Director, Product Management and Manager of Education, ECCHO

Best Practices in ACH Operations
Due to a sluggish economy in 2009 and higher regulatory scrutiny, your organization spent more time and resources managing risk than in any other year. Panel members will present best practices to help you control operating, compliance and credit risk. Learn the steps that banks have implemented to assess, approve and monitor potential and existing customers for credit and compliance risk in ACH services. Hear what banks are doing to tighten controls for internal and external fraud, loss of customers and business relationships.
  - Moderator: Judy D. Long, Executive Vice President, First Citizens National Bank
  - Ralph G. Price, AAP, First Vice President, BancorpSouth
  - Janiece Wright, AAP, Vice President, First Citizens National Bank
  - Cathy Harness, AAP, Technical Manager - ACH Operations, First Tennessee Bank, N.A.

Exhibit Review & Refreshment Break
Sponsored by: Federal Reserve Bank

Concurrent Sessions VI

Managing Risk in the Evolving Payments Business
Is your institution appropriately managing risk in an environment of ever-changing rules, regulations and increasing IAT entries? Risk is a key initiative for financial institutions. How do you know where to focus your attention and resources in today's environment? This session will address changes to Regulations GG, E, IAT entries and NACHA's RMAG initiatives to manage risk in the ACH Network. Armed with this knowledge you will be better positioned to manage your payments risk. Attend this session and learn how to evaluate risk management strategies based on a better understanding of changing rules and regulations.
  - Ann-Marie Bartels, AAP, Chief Executive Officer, EPCOR

RDC vs ACH Risk Assessment Similar or Different?
This session will focus on two different but similar risk assessment requirements: the new FFIEC requirement that financial institutions perform an RDC Risk assessment ys the NACHA required ACH Risk Assessment. In this session, you will learn the requirements, similarities, differences as well as findings.
  - Mary Gilmeister, President, WACHA

Navigating PCI Compliance: Selecting the Right Path for the Financial Industry
The PCI DSS requirements for the financial industry have potential pitfalls of misunderstanding. Many institutions feel that they are not required to comply with the requirements at all. In this session you will learn what financial institutions must do if they process, transmit or store credit card information. The presenters will discuss the difference between compliance and reporting on compliance, how to ensure your institution is properly scoping its compliance program and how First Tennessee is managing its PCI compliance.
  - Leo Walsh, Information Security, Jefferson Wells
  - Gerri Bailey, Vice President, Enterprise Project Services, First Tennessee Bank, N.A.

Vendor Product Showcase
Centrix Solutions provides financial institutions with software applications and services to detect and prevent transaction fraud. Institutions of all sizes are leveraging Centrix automated transaction fraud detection services, which encompass ACH filters/blocks, ACH positive pay and check positive pay (with payee match). Our technology is also helping ODFI’s monitor and validate originator activity to detect fraudulent ACH files in real time, while also providing ACH statistical reporting and historical metrics. Come learn how Centrix Solutions can help your institution mitigate ACH risk, protect your clients, and gain a competitive advantage to attract new business.

Transportation to Beale Street Boarding Time

Registration Open

Networking Continental Breakfast
Co-sponsored by First Citizens National Bank

General Session

There's an App for That - A Framework for Assessing Risk
Beat your regulator to understanding your risks! Assessing payments risk is a complex and critical undertaking. By establishing a solid framework for the assessment, a financial institution can ensure that no stone is left unturned as you identify the components of risk, the key functional areas to include in the assessment, and determine the degree of success in managing risk. This session will focus on steps in conducting a risk assessment, functional areas involved, component of a risk assessment, type of operating and credit risk and implications, data sources, identifying and closing gaps.
  - Dan Miner, Principal, Treasury Strategies

Exhibit Review & Refreshment Break
Sponsored by First Tennessee Bank N.A.

General Session

Interview with a Master Criminal
He has robbed over 1000 financial institutions, broken into general businesses and government facilities. While he is actually a good guy, he is hired to act like a criminal. In this session he discusses various attack techniques specifically designed against organizations that hold confidential information and how to defend against them. Topics include remote attacks such as the latest in email and phone scams as well as numerous on site attacks. Both physical security and network security are at risk to social engineering attacks. You will gain valuable information that can be applied to daily business operations
  - Jim Stickley, Chief Technology Officer, TraceSecurity

Luncheon & Speaker
Don't miss drawings for cold cash and hot prizes - you must be present to win!!

Avoiding Failure and Increasing Success of Technology Initiatives
Smart Growth Using Smart Technology Business growth can be a double-edged sword. Grow too fast in an undisciplined manner and risk a big fall. Remain stagnant and risk becoming irrelevant. Jump on the latest fad and risk ignoring and neglecting your core business. What is the best pace and path as we emerge from the worst economic times since the Great Depression? In this session, learn how Smart Growth can be achieved using Smart Technology in the pursuit of long-term, sustained competitive advantage. The latest technology trends will impact your organization, ready or not. Map out a game plan for success while holding true to your core values and risk management principles.
  - Jimmy Sawyers, Partner, Sawyers & Jacobs LLC

Conference Adjourns