Wednesday - September 11, 2019

Pre-Conference Event

Optional Half-Day Workshop Additional Registration and Fees

 



WesPay Payments TV

Don’t miss our new fall prime time line up of the hottest shows in Payments on WesPay Payment TV Phoenix.

3.6 AAP • 3.6 APRP • 2.4 NCP*

Financial Institution Feud

Teams compete to name the correct responses to survey questions about payment rules and regulations. The ODFI family will face off against the RDFI family to see who will win the Arbitration Claim. Following, the Paying Bank family will go head to head with the Bank of First Deposit family to see whose warranty will prevail.
Hosted by:
Patty Presta, AAP, NCP,
VP Professional Development Events
WesPay

Are You as Smart as the Hotline Staff?

Contestants will test their knowledge of ACH, Check, Wires and Fraud, with the assistance of WesPay’s Payments Hotline Staff, to see if they have what it takes to be the next Payments Hotline Pro.
Hosted by:
Jim Petkovits, AAP, APRP, NCP,
VP Education
WesPay

What Would You Do?

When presented with the most difficult ACH, Check, Risk, and Fraud scenarios, what would you do? Join us as this episode will focus on various scenarios regarding; Regulation E, altered checks, posting ACH entries early, remotely created checks, and other topics.
Hosted by:
Ryan Waterman, AAP
AVP, Risk & Regulatory Compliance
WesPay

Brian Stearns, AAP, NCP, CIA
VP and Supervisor, Risk Management
WesPay

Thursday - September 12, 2019

Morning General Session


Sponsored by:

Keynote Speaker: Work, Laugh, Repeat: How Technology Contributes to a Funnier Financial World

Greg Schwem’s comedic take on the 21st century workplace and work/life balance has landed him on SIRIUS Radio, FOX News, and Comedy Central. More than just a business humorist, Greg is also an author, nationally syndicated humor columnist, award-winning greeting card writer and creator of funnydadinc, voted one of the top Dad humor sites of 2016.
1.2 AAP
Greg Schwem


Welcome

 

William Schoch, President and CEO
WesPay

Corporates Ask for "Sooner, Higher, and Later" Changes to Same Day ACH Payments 

Same Day ACH is on track to deliver 175 million faster payments in 2018. Yet since Same Day ACH went live in 2016, corporate treasury and payment practitioners have been asking for enhancements: 1) sooner funds availability; 2) higher dollar limits; and 3) later deadlines for sending Same Day ACH payments. Now, Nacha and the ACH Network deliver all three of these enhancements. Speakers from Nacha and a financial institution will tell the story of how corporate input made these changes a reality, and how the ACH Network will bring these enhancements to market.
1.2 AAP

 

Jane Larimer, President and CEO
Nacha  

Joe Hussey, NA Payables Product Management
JPMorgan Chase
 

Morning Breakout Session


Rules and Compliance


Sponsored by:

Reg E and the ACH Rules

Regulation E provides a basic framework that establishes participants' rights, liabilities and responsibilities when handling unauthorized electronic funds transfers disputes. The ACH Rules provide a process for returning unauthorized debit Entries within a specified extended return timeframe. When it comes to consumer account holders disputing ACH debit Entries, it can be difficult at times to align Regulation E timeframes with the ACH Rules. Our panel will discuss Regulation E consumer liability and the error resolution process, and tools and techniques we can utilize to limit our losses and ensure compliance as a financial institution.
1.2 AAP

 

Jennifer Denoo President & CEO
Great Basin FCU

Cristina Hellems, AAP, APRP,
VP & Senior Product Manager - ACH & Transaction Banking
MUFG Union Bank N.A.

Tim Kindschuh, Manager, Centrix Products
Centrix Solutions, a Q2 company

Moderator: Jim Petkovits, AAP, APRP, NCP,
VP Education
WesPay

Fraud and Risk Management


Sponsored by:

Fighting RDC Mobile Banking Fraud with Machine Learning

Mobile banking use is on the rise, and as banking services grow, so do fraud attempts using mobile banking capabilities. Fraudsters have repeatedly created schemes by blending traditional tactics with new technologies or new banking services. A recent technique involves a very old form of payment – checks – with a newer, but rapidly growing mobile banking service – remote deposit capture (RDC) – to commit check fraud. The mobile banking scams leveraging RDC most frequently in use are the Sweetheart Scam and Fake Online Payday Lenders. This session will provide insights on how criminals are using mobile banking to commit check fraud and how financial institutions can successfully prevent losses and proactively help their customers avoid future fraud problems.
1.2 AAP  • 1.2 APRP

 

Sayalee Pawar, Product Manager
Guardian Analytics

Business Solutions


Sponsored by:

Launching Corporate ACH Origination

Has your financial institution considered becoming an ODFI to support corporate ACH origination, but you’re not sure where to start? Does the process seem too lengthy, costly or complicated? In this session, hear from financial institutions that have recently launched corporate ACH origination to grow their business portfolios and non-interest income. Learn their tips and tricks for ensuring a successful implementation and product launch, and how their institutions made the decision to move forward.
1.2 AAP

 

Marlowe Mackay, AAP, Branch Operations and Payment Services Asst. Manager
University Credit Union

Katie Lawrence, Payment Operations Compliance Manager,
SAFE CU

Courtney Pepper,
Meritrust Credit Union

Moderator: Melissa Giddens, CTP, AAP, NCP, SVP, Consulting Business Leader
WesPay Advisors

Innovation & Faster Payments


Sponsored by:

The Reinvention of Bill Pay

There is no doubt that today’s bill pay experiences leave a lot to be desired. Customers are leaving bank aggregation products to the tune of 20% over the past two years and further complicating their lives by managing multiple biller direct relationships. With new capabilities available through the RTP® network, The Clearing House and a group of retail and wholesale banks leveraged design thinking to re-imagine a seamless bill pay experience that would provide benefits for billers and bill payers. Hear about the journey and the outputs of this work and imagine the bill pay of the future.
1.2 AAP

 

Peter Davey, VP Head of Payments Innovation
The Clearing House Payments Company

Networking Lunch

Afternoon Breakout Session I


Rules and Compliance


Sponsored by:

Seven Critical Elements of a Compliance Audit, (Faster + Faster) * (Safety + Caution) = COMPLIANCE AUDIT

Fast, Faster, and Fastest is the message for future payments. However, before we move too fast, we need to factor in safety and soundness to the equation. In this session you will get a review of the Seven Critical Elements of a compliance audit and how to apply them in real life. Having trouble tackling your compliance audit? Join us as we walk you through the basics of performing your Nacha-compliant audit with examples of how financial institutions handle the various hurdles that a comprehensive examination presents.
1.2 AAP

 

Mary Brown, AAP, VP, Cash Management Services,
Bankers’ Bank of the West

Spencer Boltz, AAP, ACH Analyst, Centralized Bookkeeping
First Bank

Fraud and Risk Management


Sponsored by:

Your Customers and Cybersecurity

Are you informing your customers about the risk of cybersecurity? How can financial institutions better inform customers about the risk of fraud? Business and consumer customers alike often do not place enough focus on security until they have experienced loss due to fraud. As financial institutions, we understand cyber risk and spend time and money protecting our customers’ information – but how do we help our customers do more to protect themselves? In this session, our panelists will discuss basic (and some not so basic) steps that customers should take to improve their cyber hygiene, share war stories and the ways that the fraud could have been avoided. They'll also present opportunities for financial institutions to increase their community and customer involvement through security education.
1.2 AAP • 1.2 APRP • 1.2 NCP*

 

Amy Foulks, EVP & CIO
First Utah Bank

Eric Nelson, AAP, NCP, APRP, Account Operations Manager
Keypoint Credit Union

Spencer Hafen, AAP, President & CEO
Nevada Bank & Trust

Moderator: Patty Presta, AAP, NCP, VP Professional Development Events
WesPay

Business Solutions


Sponsored by:

What is the Future of the ACH Network?

As change continues in the payments ecosystem, financial institutions are evaluating how they use the various payment rails, while developing strategies to rationalize and modernize their internal systems and product offerings. A key consideration is how they will use the universal ACH Network – which has continuously evolved since its inception to enable financial institutions and their customers to capitalize on new capabilities and derive greater value – into the future.
1.2 AAP

 

Laura Clary, AAP Director, Product Management, Payments Management Solutions and Financial & Risk Management Solutions
FiServ

Jason Carone, AAP, APRP, CTP
Product Management Director, ACH, API Banking & Emerging Payments
Silicon Valley Bank

Innovation & Faster Payments


Sponsored by:

RTP Network Work Connection Direction

The RTP® Network is designed to support a variety of use cases and add value to the product and services offered by financial institutions of all sizes. Come to this session to understand the way banks and credits unions physically connect to the network. Attendees will hear what is involved when connecting through a Third Party Service Provider, alternative software provider and directly via a secure circuit or secure VPN. This is the perfect session for those wanting to better understand what is involved in establishing a way to receive and send messages over the RTP® Network.
1.2 AAP

 

Timothy Mills, AAP, VP Business Development
The Clearing House Payments Company

Afternoon Breakout Session II 


Rules and Compliance


Sponsored by:

Check Disputes from A to U

Your customer just notified you that a check cleared their account and the person they wrote the check to stated they never received it. What’s a financial institution to do? Have you ever found yourself in the midst of a check dispute? Do you return the check; do you submit an adjustment; do you have to deal direct or do I even have recourse? Join us as we look at various check disputes from alterations to Unauthorized Remotely Created Checks and provide guidance on how to properly handle these claims.
1.2 AAP • 1.2 NCP*

 

Connie LaChance, AAP, APRP, NCP, VP Education
WesPay

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

Fraud and Risk Management


Sponsored by:

Your Customers and Cybersecurity

Are you informing your customers about the risk of cybersecurity? How can financial institutions better inform customers about the risk of fraud? Business and consumer customers alike often do not place enough focus on security until they have experienced loss due to fraud. As financial institutions, we understand cyber risk and spend time and money protecting our customers’ information – but how do we help our customers do more to protect themselves? In this session, our panelists will discuss basic (and some not so basic) steps that customers should take to improve their cyber hygiene, share war stories and the ways that the fraud could have been avoided. They'll also present opportunities for financial institutions to increase their community and customer involvement through security education.
1.2 AAP • 1.2 APRP • 1.2 NCP*

 

Amy Foulks, EVP & CIO
First Utah Bank

Eric Nelson, AAP, NCP, APRP, Account Operations Manager
Keypoint Credit Union

Spencer Hafen, AAP, President & CEO
Nevada Bank & Trust

Moderator: Patty Presta, AAP, NCP, VP Professional Development Events
WesPay

Business Solutions


Sponsored by:

Reg E and the ACH Rules

Regulation E provides a basic framework that establishes participants' rights, liabilities and responsibilities when handling unauthorized electronic funds transfers disputes. The ACH Rules provide a process for returning unauthorized debit Entries within a specified extended return timeframe. When it comes to consumer account holders disputing ACH debit Entries, it can be difficult at times to align Regulation E timeframes with the ACH Rules. Our panel will discuss Regulation E consumer liability and the error resolution process, and tools and techniques we can utilize to limit our losses and ensure compliance as a financial institution.
1.2 AAP

 

Jennifer Denoo President and CEO
Great Basin FCU

Cristina Hellems, AAP, APRP,
VP and Senior Product Manager-ACH & Transaction Banking
MUFG Union Bank N.A.

Tim Kindschuh,
Manager, Centrix Products 
Centrix Solutions, a Q2 company

Moderator: Jim Petkovits, AAP, APRP, NCP,
VP Education
WesPay

Innovation & Faster Payments


Sponsored by:

faster, Faster, FASTER – Are You Keeping Pace?!

This session will highlight things taking place in this space (i.e. Same Day ACH performance and next steps, RTP comparison, Zelle/Venmo/Square performance stats, Faster Payments Council) and how to build a strategy.
1.2 AAP • 1.2 APRP

 

Nell Campbell-Drake
Federal Reserve Bank of Atlanta

Evening Networking Sessions


Roundtable Discussions:

  • Human Trafficking and Financial Institutions
  • How Are You Shaping Up With Reg CC
  • Cannabis Banking
  • Sharing Your Audit and Risk Review Issues
  • ACH Changes
  • Reg E and CFPB

FinTech Showcase

  • Compliance.ai
  • ACH Alert
  • Hypur

Friday - September 13, 2019

Morning General Session


Cyber-Attacks on Critical Infrastructure 

Cyber-attacks on critical infrastructure can cause kinetic effects and a public relations nightmare. Why should you be concerned and how can you protect yourself? Join us for a discussion about cyber threat from a broad perspective and understand why you should be concerned. A high level walk-through of some different cyber-attacks against critical infrastructure will be discussed along with an overview on threats to new technology such as cloud, artificial intelligence and the internet of things, and identify some steps you need to take to protect the organization.
1.2 AAP • 1.2 APRP • 1.2 NCP*

 

Mike J. Lettman, Cyber Security Advisor (CSA)
Arizona, Cybersecurity and Infrastructure Security Agency, U.S. Department of Homeland Security

Morning Breakout Session


Rules and Compliance


Sponsored by:

Check Disputes from A to U

Your customer just notified you that a check cleared their account and the person they wrote the check to stated they never received it. What’s a financial institution to do? Have you ever found yourself in the midst of a check dispute? Do you return the check; do you submit an adjustment; do you have to deal direct or do I even have recourse? Join us as we look at various check disputes from alterations to Unauthorized Remotely Created Checks and provide guidance on how to properly handle these claims.
1.2 AAP • 1.2 NCP*

 

Connie LaChance, AAP, APRP, NCP, VP Education
WesPay

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

Fraud and Risk Management


Sponsored by:

Social Engineering, Cybersecurity and Hacking

The many ways your employees are connected to people and industries outside the bank are growing exponentially. As email, social media and other technologies expand our personal and professional networks, potential threats to your financial institution increase. An attacker can use these tools to manipulate their victims into divulging crucial, confidential information and it’s one of the main components in every cyberattack. These methods come under a variety of names - phishing, smishing, vishing and more. We’ll study the anatomy of a cyberattack using real-life tools and examples and provide ways to reduce your risk.
1.2 AAP • 1.2 APRP • 1.2 NCP*

 

Ben Hayden, Risk Services Manager
Shazam

Business Solutions


Sponsored by:

Discover Global Network Together We Work! Tools and Resources From Discover Global Network

Discover would like to give you additional resources to acquire accounts, gain revenue and increase client retention while we discuss how to leverage our free programs, including: • Partner Support • Sales Tools and Incentives • Payment Industry Updates • Specialty Items for You and Your Clients

 

Mariam Moustafa,Senior Market Executive, Global Marketing, Field Solutions
Discover

Innovation & Faster Payments


Sponsored by:

Moving Towards Faster Payments

This session will feature a panel of payments executives discussing the impact Faster Payments will have on financial institutions. The panel will discuss the need to adopt as it relates to revenue opportunities and market competitiveness, and better define real-time versus later settlement and client perception.
1.2 AAP

 

Carmen Elenes, ACH Manager
SchoolsFirst FCU

Steve Max, SVP, Operations Executive
U.S. Bank

Richard Shier, EVP Banking & Investment Services
City National Bank

Moderator: John Curtis, AAP, APRP, NCP, SVP Education WesPay

Closing Keynote


Rock Your Life: Show Up and Show Out

You have a personal brand. It walks into the room before you & stays there long after you leave. Even if you don’t define it, it defines you. So, let’s define it & start telling the world who you really are.
Melanie Spring