8:30 AM - 5:15 PM

Registration Open

9:00 AM - 10:30 AM

Refreshment Break

10:20 AM -
12:00 PM

Pre-Conference Workshop
My Digital Currency 101: A Crypto Class for the Rest of Us

Do you tense up when people use terms like blockchain and distributed ledger? Are you quietly bewildered by the idea that a single Bitcoin could be worth tens of thousands of dollars? Would you have trouble explaining the difference between the CDC and a CBDC? If you answered “yes” to any of these questions, this session is for you. Join us for a non-technical (but fully financial) explanation of what digital currencies are, how they work, and what all the fuss is about.

2 AAP/APRP Credits

Kevin Moland, AAP
Product Strategist, Senior Advisory, Payments Strategy
Jack Henry

10:20 AM -
12:00 PM

Pre-Conference Workshop
"Finding a Faster Payment Use Case"

Everyone keeps talking about how faster payments are coming and going to change the world of electronic payments. But the question really is, who and how will anyone use these faster payments? Will it be a consumer only or business only use case? Will it be both? How can your financial institution benefit from faster payments and find a use cases to take advantage of RTP and FedNow. Join Kevin, Keith, and Stephanie to learn and discover more.

2 AAP/APRP Credits

Keith Gray
Vice President-Strategic Partnerships
The Clearing House

Stephanie Miracle
Product Management
FedNow Product Management
Federal Reserve Bank of Boston

Kevin "Payments Professor" Olsen, AAP, APRP, NCP, CHPC
SVP, Innovation & Strategy
Pidgin

10:20 AM -
12:00 PM

Pre-Conference Workshop
Decoding Reg E and Debit Card Disputes

Regulation E is a straightforward concept with a simple purpose: consumer protection. Yet applying the regulation to each situation isn’t always a black-or-white matter.

We’ll analyze the Reg’s language and restate the requirements in easy-to-understand terms you can apply to consumer claims. You’ll learn error resolution best practices and tips for calculating liability from a trainer with more than 27 years’ experience at a debit processor and network.

2 AAP/APRP Credits

Diana Kern
Senior Trainer
SHAZAM

1:15 PM -
2:30 PM

Welcoming Remarks

Keynote Address: The Largest Challenges Facing Bankers in 2023

This session will focus on:

• Customer acquisition: Key issues are fewer new customers available, more options for them to choose from, and the survey shows that fewer established customers are open to switching.
• Digital experience: Core challenges were largely related to new account opening, as Gen Zers and millennials expect to be able to conduct most of their business via digital channels.
• Finding and keeping talent: We likely will not return to pre-pandemic work models, so lessons are available for institutions focused on blazing the trail into the future of work.

1.5 AAP/APRP Credits

Pamela T. Rodriguez, AAP, CIA, CISA
President & CEO
Southern Financial Exchange

Kevin Miyamoto
Co-Founder and
Chief Operating Officer
Identifee

Amy Lynn Johnson
CXO
Identifee

A. Javier Pastor, CCBTO
SVP | Director of Technology Management
Home Bank

Hank Word
President Open Banking Division
Evolve Bank & Trust

Concurrent Session I - Payments Strategy

The Rise of Emerging Payments

Now that customers and businesses, and not just the younger generations, have become more accepting of new emerging payment types, we have reached the tipping point and are in the “digital-first” era. Emerging payments are no longer just an option in the payments landscape, they are now expected. As their name suggests, emerging payments are those payment types that do not require cash or a credit card from an issuer or a major bank to complete a transaction. They offer more choices and help reduce friction in the payment process providing a better user experience.

This session is for those individuals looking for a primer on emerging payment solutions. It will address the question of what is driving these new methods as well as provide an overview on a few of them: robot-payments, payment link, QR code, biometric, drones, clothing, voice and more. The audience will also explore and learn about the potential impact they will have on banks and ACH volume.

1.2 AAP/APRP Credits

Chris Colson
Innovation Program Director
Federal Reserve Bank Atlanta

2:45 PM -
3:45 PM

Concurrent Session I - Fraud & Risk

Red Flags from the Lifeguard Stand in an Ocean of Third-Party Risks

The roles and responsibilities of Third-Party Senders, Third-Party Payment Processors, and the ODFIs that service them are continually increasing! It is important to know these requirements for both the ODFI and their Third Parties. This session will look at the Red Flags -inherent risks that Third Parties expose ODFIs to and look at mitigation tactics that won’t require you to boil the ocean.

1.2 AAP/APRP Credits

Nanci McKenzie, Juris Masters Financial Regulation & Compliance, AAP, APRP
Executive Vice President,
Compliance & Product Strategy
Affirmative Technologies

2:45 PM -
3:45 PM

Concurrent Session I - Compliance & Regulations

Unclaimed Property Crash Course

This session will be jammed-packed with why unclaimed property is the hot topic for 2023.  States are looking for additional revenue and they believe banks and credit unions are not fully in compliance with the complex state unclaimed property laws.  This session will include the Who, What, Where, When, and How of unclaimed property compliance:

Who are the auditors and Who are they targeting?

What is Unclaimed Property?

Where do you go for support?

When is the best time to get into compliance?

How Unclaimed Property affects banks and credit unions?

1.2 AAP/APRP Credits

Michael Ryan
Director of Business Development
Linking Assets, Inc.

Refreshment Break

SPONSORED BY: The Clearing House 

Concurrent Session II - Payments Strategy

Open Banking: The Emergence of Instant Payments

Open banking is becoming a significant source of innovation that is poised to reshape the banking industry globally. Open banking is a banking practice that provides third-party financial service providers open access to consumer banking, transaction, and other financial data from banks and non-bank financial institutions through application programming interfaces (APIs).

Unlike Europe, where the Payments System Directory 2 enables payment providers to access the Central Bank’s Payments Infrastructure, the United States requires a regulated financial institution to access the Federal Reserve System settlement capabilities. Banking in the United States has typically refrained from regulation to push innovation and standardization while instead pushing forward through mass adoption and capillarity.

This session will discuss how the push towards Instant Payments in the US, could be the spark that will allow the networking of accounts and data across institutions for consumers, financial institutions, and third-party service providers.   However, there are caveats that must be considered as there is a concern that simple data sharing also means high risk.  We will discuss the pros and cons of Instant payments & Open Banking so you have the information you need to consider appropriate options for moving forward.

1.2 AAP/APRP Credits

Lisa Coffey
Chief Innovation Officer
Corporate America Credit Union

Jorge Jimenez
President & CEO
Juniper Payments
Global Fintech Forum, LLC

Concurrent Session II - Fraud & Risk

Secure the Front Door

Synthetic identity and remote authentication fraud are responsible for significant monetary losses across the industry. Fraudsters look to exploit potential vulnerabilities at your organization’s front door. Fortunately, detection and mitigation approaches have improved, and the industry is working to navigate these ever-changing fraudulent events. Hear industry experts discuss the evolution of synthetic identity and remote authentication fraud, how organizations are impacted by these dynamic threats, and which resources you can access to help your organization.

1.2 AAP/APRP/NCP Credits

Mike Timoney
Vice President Secure Payments & FinTech
Federal Reserve Bank of Boston

Concurrent Session II - Compliance & Regulations

Opportunities and Best Practices When Working with Third Parties

Working with third parties can bring both challenges and opportunities to financial institutions, especially in the payments space. Learn how you can prepare your organization for the additional compliance requirements and increased scrutiny from regulators, and how implementing best practices for this type of relationship can potentially lead to increased revenue.

1.2 AAP/APRP Credits

Steve Contino
CEO
Unity FI Solutions

Welcome Reception

SPONSORED BY: Identifee 

7:00 AM -
4:45 PM 

Registration Open

Networking Continental Breakfast

SPONSORED BY:
Louisiana Corporate Credit Union

Opening Remarks

General Session: FedNow Pioneers of Now

The demand for instant payments continues to grow. According to recent studies conducted by the Federal Reserve, U.S. consumers and businesses of all sizes show an increased interest and need for using faster payments. Businesses were most interested in instant payments to support day-to-day business operations, such as mobile order pickup, just-in-time payments, large disbursements, and digital wallets. This interest is driven by consumer demand. Seven in ten consumers use mobile devices to send and receive payments, nearly 80% are interested in leveraging faster payments to pay businesses, and over 60% expect real-time views of account balances and transactions.

1.2 AAP/APRP Credits

Lisa Coffey
Chief Innovation Officer
Corporate America Credit Union

Stephanie Miracle
Product Management
FedNow Product Management
Federal Reserve Bank of Boston

Refreshment Break

SPONSORED BY:  Share One, Inc.

Concurrent Session III - Payments Strategy

B2B Efficiency

Business-to-business (B2B) payments processing continues to be costly and burdened by manual processes.  Only a small percentage of electronic payments include the necessary remittance information to cost effectively process them and resources to do the work are becoming scarcer.  Other countries are mandating changes to drive efficiency improvements.  Join this session to learn how the Federal Reserve is partnering with the Business Payments Coalition industry stakeholders to improve the efficiency of B2B payment processing with the development and introduction of an exchange framework to reduce manual processing.  Find out how your business can participate in the exchange framework and improve processing efficiencies.

Key Takeaways: How the exchange framework creates a path to straight-through processing with minimal changes to accounting systems and answers the difficult questions businesses face when exchanging invoices and remittance information.  

What steps can organizations take today to begin learning about – and taking advantage of –new B2B payment efficiency initiatives happening across the industry?

1.2 AAP/APRP Credits

Guy Berg
Vice President,
Payments, Standards  & Outreach Group
Federal Reserve Bank of Minneapolis
 

Concurrent Session III - Fraud & Risk

The Impact of Cybersecurity on Reputation and Customer Trust

This talk emphasizes the importance of considering emerging threats and innovative technology for maintaining customer trust in financial institutions.  The speaker discusses the potential consequences of a data breach and strategies for mitigating reputational harm.  They also highlight the critical role of emerging technologies and innovation in improving cybersecurity.  The talk concludes with the message that strong cybersecurity practices, along with keeping up with emerging threats and innovative technologies, are essential for building customer trust and maintaining a positive reputation in the financial industry.

1.2 AAP/APRP Credits

Kyle Kelly, CISSP, OSCP, GWAPT, GCIH, Sec+
Executive Cybersecurity Consultant
Bancsec, Inc

Concurrent Session III - Compliance & Regulations

Designing and Implementing First-In-Class Vendor Management Programs for Financial Institutions and Corporates

Industry veterans Stephen Walsh and Debbie Arai will provide expert-level insight into what is needed to design and implement a robust third-party vendor management program.  From the planning stage – to the RFP – the NDA – the MSA – monitoring the relationship – termination – transitioning to a new vendor – and everything in between. This jam-packed session will provide an overview of the entire procurement life cycle in an interactive conversation-style discussion with Stephen and Debbie about lessons learned and things to watch for from their decades of legal, audit & risk management experience. As a bonus, attendees will receive Stephen and Debbie’s top ten list of practical tips on how to help Financial Institutions and Corporates achieve “Vendor Management Success” in 2023.

1.2 AAP/APRP Credits

Debbie Arai, AAP
Principal
Optim ACH Solutions

Stephen Walsh
Partner
Weinberg, Wheeler, Hudgins, Gunn & Dial

Concurrent Session IV - Payments Strategy

The Art of Innovating Banking and Payment Operations

The technology industry has been buzzing with new AI technology, but how does that translate into improving operational efficiencies within banking and what can AI do to help keep financial environments safe and fraudsters at bay? Hear Hank Word, President of the Open Banking Division at Evolve Bank & Trust share his expertise on how banks and fintechs alike can leverage AI and innovation within their connected banking strategies.

1.2 AAP/APRP Credits

Hank Word
President, Open Banking Division
Evolve Bank & Trust

Concurrent Session IV - Fraud & Risk

What's Happening in the Check Fraud Space

Check fraud remains a significant issue, especially now that the average amount on a check payment is higher. Financial professionals have a responsibility to protect account holders from fraudulent activity and correct any mishaps. This session will include discussion of common check fraud situations within a financial institution and provide ways to resolve in an efficient manner.

1.2 AAP/APRP/NCP Credits

Chris Colson
Innovation Program Director
Federal Reserve Bank of Atlanta

Angie Smith, AAP, NCP
SVP, Professional Development Events
WesPay

Concurrent Session IV - Compliance & Regulations

Third-Party Sender (TPS) Nested TPS? Nested Nested Nested TPS?

Third-Party Senders, Nested Third-Party Senders and Nested-Nested Third-Party Senders are all valid ACH participants. Nacha defined a Nested Third-Party Sender and clarified the roles and responsibilities of Third-Party Senders in the ACH Network with a new Rule in September 2022.  Which leads to a lot of valid questions, including how do I tell who is who, who is doing what, and how do I make sure everyone is meeting their obligations? This session will help you understand and define the roles, responsibilities, and obligations a compliant Third-Party Sender. Third-Party Senders and financial institutions doing business with Third-Party Senders should attend this session.

1.2 AAP/APRP Credits

Jordan Bennett, AAP, APRP
Senior Director, Network Risk Management
Nacha

Payments Recognition Luncheon

General Session: From Perdido Beach - It’s Electronic Payments Live!

Payments professionals have a tough job. Returns, reclamations, security threats are just a few of the elements that make your job stressful.  And compliance … forget about it!  So this year, SFE is bringing you a mental coffee break by offering a variety of skits, stand-up, fake commercials and music, all centered around the subject that we all know and love … Payments.

Join us as we welcome fintech pioneer and payments parody king David Peterson to address the current state of our industry.  While this session will provide zero CEUs, you will top off your 2023 CLPs (Certified Laugh Points).

David Peterson
Senior Vice President, Chief Innovation Officer
First National Bankers Bank

1:40 PM -
2:10 PM

VENDOR SHOWCASE - Affirmative Technologies

Payment Risk Management: Working Smarter and Not Harder

Managing payment risks is a challenge since the data is scattered amongst different systems and programs yet financial professionals face regulatory obligations that have become staggering. Manual risk management is impossible and Affirmative Technologies provides an ePayments Risk Management platform that automates the tasks, uses business intelligence for comprehensive scheduled reporting that alerts you when risks increase, and analyzes activity to provide proactive risk mitigation.

Nanci McKenzie, Juris Masters Financial Regulation & Compliance, AAP, APRP
Executive Vice President,
Compliance & Product Strategy
Affirmative Technologies

1:40 PM -
2:10 PM

VENDOR SHOWCASE - Identifee

Grow Deposits & Increase Revenue with Identifee

Kevin Miyamoto and Amy Lynn Johnson (AJ) will share how FIs are leveraging Identifee to save customer facing reps 10 + hours per week, wow their customers, and enable industry leading revenue growth. 

Kevin Miyamoto
Co-Founder and
Chief Operating Officer
Identifee

Amy Lynn Johnson
CXO
Identifee

1:40 PM -
2:10 PM

VENDOR SHOWCASE - Nacha

ACH State of the Union 2023

A brief overview of the following items:

• ACH and Same Day ACH Volumes for 2022
• What’s Next for Same Day
• A New Risk Management Framework for the Era of Credit-Push Fraud
• Rulemaking Topics
• International ACH Transaction (IAT) Potential Rule Changes
• ERS (Exception Resolution Service)

Jordan Bennett, AAP, APRP
Senior Director, Network Risk Management
Nacha

1:40 PM -
2:10 PM

VENDOR SHOWCASE - Q2

Transaction Disputes didn't stop after the pandemic. Five ways to improve your dispute resolution process.

Tame the growing beast of your dispute resolution workload and consider how Q2’s dispute tracking system (CentrixDTS) will enhance the account holder experience, automate processing, and simplify compliance. Even if your financial institution has not begun to fully feel the burden of increased dispute volume, these fixes will help you free up resources, save money, ensure compliance, and more.

Bruce Dragoo
Solutions Consultant
Q2

Concurrent Session V - Payments Strategy

Everybody Wins: Driving Products & Profitability with FI/Fintech Partnerships

Often perceived as competitors, FIs and FinTech’s are discovering new and cost-effective ways to succeed through partnerships. It’s a win/win: FIs can more quickly roll out personalized products and niche services to generate new sources of non-interest income; FinTech’s are able to expand their customer base, expedite speed-to-market, and boost their revenue. Join us to explore some of the exciting ways that fintech providers and financial institutions are successfully working together to meet users’ needs and scale their businesses—while providing seamless experiences for customers.

1.2 AAP/APRP Credits

Debbie Smart, CTP, NCP
Senior Business Consultant
Q2ebankingQ2

Concurrent Session V - Fraud & Risk

A New Risk Management Framework for the Era of Credit Push Fraud

Nacha updated the Risk Management Framework in 2022 to reflect evolving threats posed to the Network by credit push fraud scenarios. These schemes include business email compromise (BEC), vendor and payroll impersonation frauds, and account take over (ATO). Financial Institutions, Third-Party Senders and other payments participants must also adjust our strategies to mitigate credit push scenarios. The 2022 Risk  Management Framework focuses on three areas Nacha believes will have the greatest impact on reducing credit push fraud: enhanced guidelines and Rules to support RDFI risk management responsibilities; information and data sharing; and end-user education. This session will provide the latest information about developments in all three areas.

1.2 AAP/APRP Credits

Jordan Bennett, AAP, APRP
Senior Director
Network Risk Management
Nacha

Concurrent Session V - Compliance & Regulations

Payments Legal Case Studies

This Session will review some recent legal cases regarding different payment methods. Attendees will hear real stories and will learn from both good decisions and bad decisions made by other financial institutions regarding their legal rights and obligations. Attendees will have a better understanding of the laws that apply to various payment methods and discuss some practical suggestions within their own institutions to avoid liability arising from common problems and fraud.

1.2 AAP/APRP/NCP Credits

Scott Jones
Partner-in-Charge
Adams and Reese LLP

Final Networking  Exhibit Review & Refreshment Break

Concurrent Session VI - Payments Strategy

BNPL Regulatory Update - Panel Discussion

Bringing together a panel related to Buy Now Pay Later (BNPL). What are the trends within the space and a deep dive into the regulatory landscape of BNPL. Perspectives from BNPL provider, Financial Institution, Regulator, and moderated by CFPB. If you are looking to understand what BNPL is or what the regulatory landscape holds for BNPL, come join this session!

1.2 AAP/APRP Credits

Katherine Adkins
Chief Legal Officer
Affirm, Inc.

Caryn Smith
Vice President, Consumer & Small Business Credit Card Product Manager
Regions Bank

Laura Udis
Senior Program Manager, Small Dollar, Marketplace and Installment Lending Consumer Credit,
Payments, and Deposits Markets
Consumer Financial Protection Bureau

3:45 PM -
4:45 PM

Concurrent Session VI - Fraud & Risk

Identity - The Root of All Payment Scams

Moving money starts with a person making a request. Payments fraud, mule accounts, elder abuse, romance scams, PPP fraud and unemployment fraud all have a common denominator in that the fraudster claims to be someone they are not. This session will explore how identities get misused in payments and discuss ways to mitigate your risk. 

1.2 AAP/APRP/NCP Credits

 Kelly Kiker
Executive Vice President & Chief Information Officer
BankPlus

Mary Ann Miller
VP of Client Experience, Fraud and Cybercrime Executive Advisor , Prove

Peter Tapling
Managing Director
PTap Advisory, LLC

Concurrent Session VI - Compliance & Regulations

Small Little Micro-Entries Impacts are BIGGER Than You Think

The two Phased Micro-Entry Rules effective September 16, 2022, and March 17, 2023, may seem simple and have small impacts on Financial Institutions and Third-Parties. However, when you consider the requirements under Phase 2, you will need to make sure your 2023 ACH Audit will add testing of a different kind. This session will look at this Rule and the impacts and requirements under Phase 2 for Financial Institutions and Third-Parties alike! This session will help to understand the new requirements for monitoring forward and return credit micro-entries, the importance of this monitoring, and what needs to be considered when performing this monitoring.

1.2 AAP/APRP Credits

Jordan Bennett, AAP, APRP
Senior Director
Network Risk Management
Nacha

Nanci McKenzie, Juris Masters Financial Regulation & Compliance, AAP, APRP
Executive Vice President,
Compliance & Product Strategy
Affirmative Technologies

Registration Open

Instant Payments Awareness Town Hall Discussion - Continental Breakfast

Every financial institution’s faster payments journey will look different depending on the size, scope, and complexity of its payment offerings. Defining an instant payments strategy and implementation process will help financial institutions remain competitive in the quickly evolving payments landscape. Financial institutions that are early in their journey or have not started their strategy should consider moving forward to develop their instant payments strategic plans.

Attendees will hear from the voice of experience from a financial institution that is on the RTP rail and a FedNow Pilot Participant. Be prepared for the FedNow launch in July.

Let us help you get this conversation underway for exploring the instant payments voyage:

• Where should you start?
• What should be your focus?
• How do you plan the next steps?
• When your roadmap is in place, what is next? 

1.8 AAP/APRP Credits

Nell Campbell-Drake, AAP
Vice President, Industry Relations
Federal Reserve Financial Services

Keith Gray
Vice President-Strategic Partnerships
The Clearing House 

Greg Melville
Senior Vice President
Emerging & Digital Payments
Regions Bank

Kevin "Payments Professor" Olsen, AAP, APRP, NCP, CHPC
SVP, Innovation & Strategy
Pidgin

Abhishek Veerghanta
Founder & CEO
Pidgin

General Session

Gulf Coast Financial Fraud Schemes - A Case Study

Financial fraud deprives someone of money, capital, or otherwise harms a person’s financial health through deceptive, misleading, or other illegal practices. This session will include a review of several specific Gulf Coast financial fraud cases involving various fraud schemes and will focus on incidents prevalent to the Gulf Coast area.

1.2 AAP/APRP Credits

Jason Smith
Senior Special Agent
US Secret Service
Mobile Resident Office

Refreshment Break

General Session

A Discussion on What CBDC Could Mean

A Central Bank Digital Currency is a digital form of a country’s fiat currency. Domestically, this would not be a digital currency pegged to the dollar, it would be a digital currency that IS the dollar. What might this mean for financial institutions? What might it mean for your customers? How do you answer questions of curiosity from board members? More is unknown than known about how or if a CBDC will see the light of day in the US, but implications would be significant. Join this group for a thought-provoking conversation on what CBDCs could mean from a product and policy perspective.

1.2 AAP/APRP Credits

Jorge Jimenez
President & CEO
Juniper Payments
Global Fintech Forum, LLC

Scott Jones
Partner-in-Charge
Adams and Reese LLP

Peter Tapling
Managing Director
PTap Advisory, LLC

Luncheon

General Session: "The Professors Payments Predictions"

Join the Payments Professor to hear what he believes are the top happenings in the world of electronic payments in the year and decade ahead. What should you be on the lookout for, what is happening and what will happen. As with everything in payments and electronic banking, don’t be surprised to see mention of fraud and the need for security, but is it the same fraud and security we have seen in the past, or is it changing and evolving as we work to implement new payment offerings? How will you need to change and evolve? One thing we can predict is that when you sign up for this session, you’re in for some fun, energy, and entertainment with the Payments Professor!

1.2 AAP/APRP Credits

Kevin "Payments Professor" Olsen, AAP, APRP, NCP, CHPC
SVP, Innovation & Strategy
Pidgin

Don't miss drawings for cash and prizes - you must be present to win!! Conference Adjourns