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Session 5
Registration & Information Desk at the Quad
Sunday, 11:30 a.m. - 5:00 p.m.
Room: Lullwater Prefunction
Session 9
Welcome & Opening Remarks
Sunday, 1:00 p.m. - 1:10 p.m.
Room: Emory Amphitheater
Speaker:
Fred Laing, II AAP, CCM
President, Upper Midwest ACH Association
Session 17
Payments System Essentials
Sunday, 1:10 p.m. - 3:15 p.m.
General Knowledge Plenary
Room: Emory Amphitheater
This level-setting course serves as the foundation for all subsequent studies. Students will be introduced to the Dean of the Board of Regents and The Payments Institute Department Chairs who will introduce their fields of study and expand on the essentials of each Department. This session will explore basic concepts, ideas, and learning objectives and serve as a road map to the Payments Institute.
Speakers:
Fred Laing, II AAP, CCM
President, Upper Midwest ACH Association
Mary M. Gilmeister AAP
President, WACHA - The Premier Payments Resource
Session 29
Sunday Afternoon Break at the Quad
Sunday, 3:15 p.m. - 3:30 p.m.
Room: Lullwater Prefunction
Session 33
Risk Management Basics
Sunday, 3:30 p.m. - 5:00 p.m.
General Knowledge Plenary
Room: Emory Amphitheater
Risk management touches all stakeholders and is a central aspect of the payments system. The general session will begin with an overview of key concepts and risk types and then be divided into four individual sessions to address risks related to the respective schools of study, ACH, Corporate, Cards & Alternative Payment Methods and Risk & Compliance. Faculty in each subsession will discuss the types of risks encountered in the specific fields, and explain stakeholder liabilities and responsibilities and how risk is evolving.
Speakers:
Luann S. Kohlmann AAP
Director, Education/Auditor, WACHA - The Premier Payments Resource
Kathy Levin AAP
Managing Director, Payments Information Circle
Angela Smith AAP
SVP, Director of Check Education, PaymentsNation
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv
Session 46
2008 Class Photo
Sunday, 5:15 p.m. - 5:30 p.m.
Room: Garden Courtyard
A time-honored tradition at The Payments Institute, students and faculty gather for the class photo. To commemorate the successful completion of their studies, all students receive a class photo once they return to their workplace to display with their diplomas. Photos are also taken of the Regional Payments Association scholarship recipients and any international students in attendance.
Session 56
Networking Welcome Reception & Dinner, Sponsored by The Regional Payments Associations
Sunday, 5:30 p.m. - 7:30 p.m.
Room: Lullwater Ballroom
Celebrate the beginning of a great learning experience and join us for a group dinner hosted by NACHA's Regional Payments Associations. As part of NACHA's core membership, the Regional Payments Associations play a critical role in providing educational programs, support services, and NACHA Operating Rules guidance to their respective members across the country. Get to know your fellow students, faculty, and staff by taking advantage of this networking opportunity. Student teams will take part in a scavenger hunt and other ice-breaking games and activities. You will leave this event with at least one new friend!
Session 63
Monday Breakfast
Monday, 7:00 a.m. - 8:00 a.m.
Room: The Dining Room
Session 69
Registration & Information Desk at the Quad
Monday, 7:00 a.m. - 3:30 p.m.
Room: Lullwater Prefunction
Session 73
ACH 106, RCP 101 - Exploring Rules & Regulations
Monday, 8:00 a.m. - 10:00 a.m.
Risks & Compliance
Room: Emory Amphitheater
Reg E, Reg D, Reg CC, UCC4A, FFIEC, OCC Updates, the NACHA Operating Rules...you know all the names and the basics but do you know the philosophies behind the rules and Regulations? How do they work together? Are any of these more or less important than others? This course provides students an introduction to these rules, regulations and guidelines covering all payments systems and offers a baseline look at the concepts behind each. This course serves as a foundation for subsequent offerings within the school of Risk & Compliance. Suggested follow-up course: RCP 206 - Navigating the Regulatory & Compliance Path. Suggested Thursday Labs: ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide
Speaker:
Kimberly W. Rector AAP
Director, Education & ACH Services, MACHA - The Mid-Atlantic Payments Association
Session 74
CAP 101 - Key Elements of Card-Based Payments (1st offering)
Monday, 8:00 a.m. - 10:00 a.m.
Cards & Alternative Payments
Room: Oak Amphitheater
In this introductory-level course, faculty lead students through a thorough examination of card networks to establish a comprehensive understanding of card-based payments. Basic definitions and terms are discussed, as are card-based payment statistics and their impact on the payments industry. This course serves as a foundation for subsequent card-based learning and will include concepts such as interchange, risk allocation, and signature versus PIN-based debits. Suggested Thursday Labs: ILB 103 - Debit Card Case Studies; ILB 106 - Charge Backs & Exceptions for Cards
Speaker:
Maria Arminio
President & CEO, Avenue B Consulting, Inc.
Session 75
CAP 102 - Check Basics: The Anatomy of A Check
Monday, 8:00 a.m. - 10:00 a.m.
Cards & Alternative Payments
Room: Lullwater I & II
This introductory-level course addresses paper-based payment instruments with a primary focus on checks, drafts, travelers cheques, and other paper instruments. Concepts covered include processing, clearing, endorsement, negotiation, transfer warranties, presentment, collection, dishonor, and returns. The legal framework and regulatory developments of both paper checks and images are also examined. Students are introduced to Check 21, image exchange and IRDs. Faculty compare traditional paper aspects of clearing and back-office processing. Suggested Thursday Lab: ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.
Speaker:
Angela Smith AAP
SVP, Director of Check Education, PaymentsNation
Session 85
Monday Morning Break at the Quad
Monday, 10:00 a.m. - 10:20 a.m.
Room: Lullwater Prefunction
Session 89
ACH 104, CPF 101 - Exploring ACH from the Originator's Perspective
Monday, 10:20 a.m. - 11:50 a.m.
Automated Clearing House
Room: Emory Amphitheater
This introductory-level course examines the responsibilities, liabilities, risks, and operational considerations of the Originator, its relationship with the Receiver and the Originating Depository Financial Institution (ODFI). Faculty examine practical concerns experienced by the Originator in its business environment. This discussion also includes the use of a third-party by the Originator and the potential impacts to liability, risk, contracts, and the relationship with the ODFI. This course serves as a foundation for subsequent offerings within the schools of ACH and Corporate Payments. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.; ILB 107 - System of Fines & Arbitration: Be the Panel; ILB 109 - How Would YOU Change the Rules?
Speaker:
Patricia Frazier
VP, Industry Relations, Western Union
Session 90
RCP 102 - Examining Fraud
Monday, 10:20 a.m. - 11:50 a.m.
Risks & Compliance
Room: Oak Amphitheater
Faculty in this course will introduce students to the basic concepts of fraud, common fraud practices currently in play, and basic prevention techniques. What can payments professionals do to stay one step ahead of the fraudster? This course serves as a foundation for subsequent offerings within the school of Risk & Compliance. Suggested follow-up courses: RCP 302 - ePayment Fraud Detection, Prevention & Management Techniques.
Speakers:
Kim A. Bruck AAP
VP, Risk Management, PaymentsNation
Fred Laing, II AAP, CCM
President, Upper Midwest ACH Association
Session 91
ACH 102 - Exploring ACH from the RDFI's Perspective (1st Offering)
Monday, 10:20 a.m. - 11:50 a.m.
Automated Clearing House
Room: Lullwater I & II
This introductory-level course will lead students through the responsibilities, liabilities, risks, and operations of the Receiving Depository Financial Institution (RDFI) as defined in the NACHA Operating Rules. Faculty will address rules surrounding receipt, posting, and return of entries; responsibilities and obligations unique to RDFIs, and the significance of the role of the RDFI to the ACH Network. This course serves as a foundation for subsequent offerings within the school of ACH. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.; ILB 107 - System of Fines & Arbitration: Be the Panel; ILB 109 - How Would YOU Change the Rules?
Speakers:
Sandra R. Jensen AAP
AVP, Commercial Banking Services, Empire Bank
Wendy Wishon AAP
Vice President, Mid-America Payment Exchange
Session 103
Monday Lunch
Monday, 11:50 a.m. - 1:00 p.m.
Room: The Dining Room
Session 105
ACH 103 - Exploring ACH from the ODFI's Perspective (1st Offering)
Monday, 1:00 p.m. - 3:00 p.m.
Automated Clearing House
Room: Emory Amphitheater
This introductory-level course will lead students through the responsibilities, liabilities, risks, and operations of the Originating Depository Financial Institution (ODFI) as defined in the NACHA Operating Rules. Faculty will address rules surrounding origination of entries; responsibilities and obligations unique to ODFIs, and the significance of the role of the ODFI to the ACH Network. Relationships with the ACH Operators, RDFIs, and Originators are examined from the ODFI's point of view, as well as the considerations, risks, and requirements surrounding the use of third-parties by the ODFI or the Originator. This course serves as a foundation for subsequent offerings within the school of ACH. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.; ILB 107 - System of Fines & Arbitration: Be the Panel; ILB 109 - How Would YOU Change the Rules?
Speakers:
Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Kathy Levin AAP
Managing Director, Payments Information Circle
Session 106
RCP 201 - Understanding & Managing the Migration of Check Fraud
Monday, 1:00 p.m. - 3:00 p.m.
Risks & Compliance
Room: Oak Amphitheater
In this intermediate-level course, faculty share "real-world" effective fraud management techniques. Students will learn steps that financial institutions have taken to counter new (or regurgitated) schemes that have emerged as the usage of check conversion products has grown. Hear how technology has simplified check fraud (e.g., desktop publishing, scanners, and beyond) while complicating life for potential fraudsters (e.g., databases, email alert systems, positive pay, etc.). Suggested Thursday Labs: ILB 107 - System of Fines & Arbitration: Be the Panel; ILB 109 - How Would YOU Change the Rules?
Speakers:
Kim A. Bruck AAP
VP, Risk Management, PaymentsNation
Angela Smith AAP
SVP, Director of Check Education, PaymentsNation
Session 107
CAP 206 - Exploring Global Payments
Monday, 1:00 p.m. - 3:00 p.m.
Cards & Alternative Payments
Room: Lullwater I & II
Faculty in this course take students on an in-depth tour of the globe with an intensive and comprehensive look at the advancements in the global payments arena. Faculty identify and discuss key areas including: International ACH (a detailed course follows); Clearing House Interbank Payment System (CHIPS) (a detailed course follows); Fedwire; SWIFT; Real-Time Gross Settlement (RTGS); Continuous Linked Settlement (CLS); SEPA (Single Euro Payments Area); Basel II; Foreign exchange; traditional and evolving role of correspondent banking; international drafts; forward contracts letters of credit (LOCs) & trade finance; and the evolving regulatory environment. Suggested follow-up course: ACH 204 - International ACH Transactions: Understanding the New Regulatory Requirements
Speakers:
Casey H. Wilcox
Vice President, Sales, Clear 2 Pay Americas, Inc.
Stephen Wojciechowicz AAP, CTP
Commercial Manager, Banking Industry Division, SWIFT Pan America's, Inc.
Session 117
Monday Afternoon Break at the Quad
Monday, 3:00 p.m. - 3:20 p.m.
Room: Lullwater Prefunction
Session 121
ACH 202, RCP 207 - ACH Rules Enforcement, Audit & Compliance for ODFIs
Monday, 3:20 p.m. - 4:50 p.m.
Automated Clearing House
Room: Emory Amphitheater
This intermediate-level course will delve deeper into the requirements surrounding the annual ACH audit. This course provides students with necessary information and insights from the ODFI perspective to effectively perform the ACH audit and to monitor compliance with the NACHA Operating Rules and other regulations. Understand the functions that need to be audited, explore where non-compliance may represent increased risk, and assess potential liabilities. Gain an appreciation for enforcement measures, recognize when to use enforcement measures and learn and how to ensure your institution remains in compliance. Suggested Thursday Lab: ILB 107 - System of Fines & Arbitration: Be The Panel
Speakers:
Amy J. Fisher AAP
Audit Services Director, Upper Midwest ACH Association
Pamela Rodriguez AAP
SVP, Professional Advisory Services, EastPay, Inc.
Session 122
CAP 204 - Understanding PCI Standards
Monday, 3:20 p.m. - 4:50 p.m.
Cards & Alternative Payments
Room: Oak Amphitheater
Faculty in this course explain PCI Standards, the background of PCI, and explore how and why merchants should apply similar or the same practices to protect ACH-related data. A real-world implementation case study is examined focusing on the good, the bad, and the ugly of PCI. Faculty also explain the twelve rules that make up the core initiatives. Suggested Thursday Lab: ILB 106 -Chargebacks & Exceptions for Cards
Speaker:
Gary Yamamura
Principal Consultant, Verifax Consulting, Inc.
Session 123
CPF 302 - Business Payments Strategies: Innovations in B2B Payments
Monday, 3:20 p.m. - 4:50 p.m.
Corporate Focused
Room: Lullwater I & II
Faculty in this advanced-level course will offer a strategic look at the B2B payments area, a critical yet elusive piece of the payments pie. Students will explore the subject from both the corporate customer and financial institution perspectives, with a focus on where things stand currently, the barriers to greater adoption of electronic solutions, and the developments and innovations needed to move the market forward. Suggested follow-up course: CPF 201 - Understanding & Employing Best Practices for Corporate Payments. Suggested Thursday Labs: ILB 102 - Disbursement & Collections in the Payments Space; ILB 105 - Proper Payment Methods for Corporates
Speaker:
Mark Webster CPA CCM
Partner, Treasury Alliance Group, LLC
Session 135
Monday Dinner
Monday, 5:00 p.m. - 8:00 p.m.
Room: The Dining Room
Session 143
Tuesday Breakfast
Tuesday, 7:00 a.m. - 8:00 a.m.
Room: The Dining Room
Session 149
Registration & Information Desk at the Quad
Tuesday, 7:30 a.m. - 3:30 p.m.
Room: Lullwater Prefunction
Session 153
RCP 202 - Everything You Need to Know About Regulation E
Tuesday, 8:00 a.m. - 10:00 a.m.
Risks & Compliance
Room: Emory Amphitheater
Faculty in this intermediate-level course provide an in-depth look at The Electronic Funds Transfer Act and Regulation E. What is the purpose of the Regulation? What requirements relate to ACH, ATMs, and disclosures? How does Reg E work with - or against - the NACHA Operating Rules? Take a tour of the Regulation, the official Staff Commentary and the Act itself. Bring your Rule Book so you can follow along! Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 104 - Regulation, Rule or SEC Code Requirement?
Speakers:
Duncan Douglass
Partner, Alston & Bird, LLP
Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Session 154
CAP 101 - Key Elements of Card-Based Payments (2nd Offering)
Tuesday, 8:00 a.m. - 10:00 a.m.
Cards & Alternative Payments
Room: Oak Amphitheater
In this introductory-level course, faculty lead students through a thorough examination of card networks to establish a comprehensive understanding of card-based payments. Basic definitions and terms are discussed, as are card-based payment statistics and their impact on the payments industry. This course serves as a foundation for subsequent card-based learning and will include concepts such as interchange, risk allocation, and signature versus PIN-based debits. Suggested Thursday Labs: ILB 103 - Debit Card Case Studies; ILB 106 - Charge Backs & Exceptions for Cards
Speaker:
Maria Arminio
President & CEO, Avenue B Consulting, Inc.
Session 155
CPF 205 - FRB Retail Payments
Tuesday, 8:00 a.m. - 10:00 a.m.
Corporate Focused
Room: Lullwater I & II
What does the Federal Reserve Payments Study mean to you? Released December 10, 2007, the Study includes three research efforts to estimate the annual number, dollar value, and composition of non-cash payments in the United States. For this Study, non-cash payments included check, automated clearinghouse (ACH), credit card, debit card (both signature and PIN) and electronic benefits transfer (EBT) transactions. The study also estimated the number and value of ATM withdrawals.
Speakers present a summary of this landmark Study with a variety of meaningful illustrations.
Speaker:
Jim McKee
SVP, Retail Payments Office, Federal Reserve System
Session 165
Tuesday Morning Break at the Quad
Tuesday, 10:00 a.m. - 10:20 a.m.
Room: Lullwater Prefunction
Session 169
ACH 205 - Effective ACH Exception Processing Management
Tuesday, 10:20 a.m. - 12:20 p.m.
Automated Clearing House
Room: Emory Amphitheater
This intermediate-level course is designed to help students understand and address key exception situations encountered by financial institutions and their customers in the origination and receipt of ACH entries. Faculty focus on causes and risks associated with unposted transactions, returns, and other exception items, provide possible resolutions to common issues and ways that automation can positively affect back-office processing. Bank exceptions management and corporate exceptions are also explored. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 107 - System of Fines & Arbitration: Be the Panel
Speaker:
Luann S. Kohlmann AAP
Director, Education/Auditor, WACHA - The Premier Payments Resource
Session 170
ACH 103 - Exploring ACH from the ODFI's Perspective (2nd Offering)
Tuesday, 10:20 a.m. - 12:20 p.m.
Automated Clearing House
Room: Oak Amphitheater
This introductory-level course will lead students through the responsibilities, liabilities, risks, and operations of the Originating Depository Financial Institution (ODFI) as defined in the NACHA Operating Rules. Faculty will address rules surrounding origination of entries; responsibilities and obligations unique to ODFIs, and the significance of the role of the ODFI to the ACH Network. Relationships with the ACH Operators, RDFIs, and Originators are examined from the ODFI's point of view, as will the considerations, risks, and requirements surrounding the use of third-parties by the ODFI or the Originator. This course serves as a foundation for subsequent offerings within the school of ACH study. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.; ILB 107 - System of Fines & Arbitration: Be the Panel; ILB 109 - How Would YOU Change the Rules?
Speakers:
Howard Forman AAP
Senior Vice President, Wachovia Bank, N.A.
Kathy Levin AAP
Managing Director, Payments Information Circle
Session 171
RCP 102 - Are your ACH Transactions Properly Authorizied & Authenticated?
Tuesday, 10:20 a.m. - 12:20 p.m.
Risks & Compliance
Room: Lullwater I & II
This introductory-level course offers a comprehensive examination of authentication and authorization applicable across payment types for both corporate (merchant/biller) and financial institution audiences. Students will learn the differences between authentication and authorization in the ACH world and why both are so important to the overall health of the Network. How does the update to the FFIEC Manual affect your business practices? Faculty will provide a series of case studies to help students understand the underlying business processes, the related requirements, expectations, decision points, and management practices. This course serves as a foundation for subsequent offerings within the school of ACH study. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 109 - How Would YOU Change the Rules?
Speaker:
Terri Pelle Sands AAP
Managing Director, Payments Information Circle
Session 183
Tuesday Lunch
Tuesday, 12:20 p.m. - 1:30 p.m.
Room: The Dining Room
Session 185
ACH 102 - Exploring ACH from the RDFI's Perspective (2nd Offering)
Tuesday, 1:30 p.m. - 3:00 p.m.
Automated Clearing House
Room: Emory Amphitheater
This introductory-level course will lead students through the responsibilities, liabilities, risks, and operations of the Receiving Depository Financial Institution (RDFI) as defined in the NACHA Operating Rules. Faculty will address rules surrounding receipt, posting, and return of entries; responsibilities and obligations unique to RDFIs, and the significance of the role of the RDFI to the ACH Network. This course serves as a foundation for subsequent offerings within the school of ACH study. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.; ILB 107 - System of Fines & Arbitration: Be the Panel; ILB 109 - How Would YOU Change the Rules?
Speakers:
Sandra R. Jensen AAP
AVP, Commercial Banking Services, Empire Bank
Wendy Wishon AAP
Vice President, Mid-America Payment Exchange
Session 186
CPF 102 - Treasury & Cash Management Basics
Tuesday, 1:30 p.m. - 3:00 p.m.
Corporate Focused
Room: Oak Amphitheater
This introductory-level course is designed for the treasury and cash management novice. Learn about the relevant issues, principles, and tools available to cash managers. Understand how treasury and cash management relate to payments. Students delve into the reality of acquiring treasury management services in the current environment and learn about current trends and developments. Global treasury issues and considerations, fraud prevention, and risk associated with services such as positive pay are also addressed. This course serves as a foundation for subsequent offerings within the school of Corporate Payments. Suggested Thursday Labs:ILB 105 - Proper Payment Methods for Corporates; ILB 108 - Marketing for New Products
Speaker:
Janice E. Myers AAP, CTP
Group Manager & Vice President, Treasury Services, JPMorgan Chase & Company
Session 187
CAP 103 - Fundamentals of Wire Transfers
Tuesday, 1:30 p.m. - 3:00 p.m.
Cards & Alternative Payments
Room: Lullwater I & II
In this course, faculty introduce students to the two chief wire transfer systems serving U.S. stakeholders, the Fedwire Funds Transfer System operated by the Federal Reserve Bank and the Clearing House Interbank Payment System (CHIPS). Faculty describe the role that wire systems play for payments of traditionally higher value and priority and how these systems interplay with SWIFT. Gain an understanding of how wire transfers are processed, the method of settlement and the risks associated with such payments.
Speaker:
Ellen Jacques AAP
Training Manager, Electronic Payments Network
Session 197
Tuesday Afternoon Break at the Quad
Tuesday, 3:00 p.m. - 3:20 p.m.
Room: Lullwater Prefunction
Session 201
ACH 206, RCP 204 - ACH Rules Enforcement, Audit & Compliance for RDFIs
Tuesday, 3:20 p.m. - 5:20 p.m.
Automated Clearing House
Room: Emory Amphitheater
This intermediate-level course will delve deeper into the requirements surrounding the annual ACH audit. This course provides students with necessary information and insights from the RDFI perspective to effectively perform the ACH audit and to monitor compliance with the NACHA Operating Rules and other regulations. Understand the functions that need to be audited, explore where non-compliance may represent increased risk, and assess potential liabilities. Gain an appreciation for enforcement measures, recognize when to use enforcement measures and learn and how to ensure your institution remains in compliance. Suggested Thursday Labs: ILB 101 - Ready To Be an AAP?; ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.; ILB 107 - System of Fines & Arbitration: Be the Panel; ILB 109 - How Would YOU Change the Rules?
Speakers:
Amy J. Fisher AAP
Audit Services Director, Upper Midwest ACH Association
Pamela Rodriguez AAP
SVP, Professional Advisory Services, EastPay, Inc.
Session 202
CAP 205 - Card-Based Payments: Operations & Processing
Tuesday, 3:20 p.m. - 5:20 p.m.
Cards & Alternative Payments
Room: Oak Amphitheater
This intermediate-level course is an exploration of the operations and processing entailed in card-based payments. Students explore how a credit card transaction flows through the VISA and MasterCard networks and how a PIN-based debit card transaction flows through the online EFT networks. In addition, unique operational aspects of network branded pre-paid debit cards are presented and the business models for each method are detailed. Suggested Thursday Labs: ILB 103 - Debit Card Fraud Case Studies; ILB 106 - Chargebacks & Exceptions for Cards
Speaker:
Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Session 203
ACH 201 - Examining ACH Quality: What's Really Flowing in the ACH?
Tuesday, 3:20 p.m. - 5:20 p.m.
Automated Clearing House
Room: Lullwater I & II
Instructors in this intermediate-level course will build upon basic concepts of origination and receipt and provide a deeper and clearer understanding of transaction data used to help mitigate risk and improve quality in the ACH Network. This course explores observations from analyses of forward and return consumer ACH debit transactions. Gain an understanding of what is flowing through the ACH Network, what consumer debit transactions are used for, and what patterns of use and misuse show about the quality of ACH transactions. Learn what additional studies are planned, and how this information is being used to augment quality improvement initiatives on the ACH Network. Suggested Thursday Labs: ILB 101 - Ready to Be an AAP?; ILB 109 - How Would YOU Change the Rules?
Speakers:
Nancy Grant AAP
Senior Director, Research Services, NACHA - The Electronic Payments Association
Kathy Levin AAP
Managing Director, Payments Information Circle
Session 204
ACH 105, RCP 104 - Key Issues in Government Payments
Tuesday, 3:20 p.m. - 5:20 p.m.
Automated Clearing House
Room: Lullwater III - V
This course focuses on the origination and receipt of payments between consumers and companies with government agencies. Faculty describe the differences between the NACHA Operating Rules and 31 CFR 210, discuss those Rules the Government has chosen to opt out of, and distinguish between federal and state environments. Key issues and guidance offered for: reclamation; Notification of Change (NOC); Death Notification Entry (DNE); child support payments; electronic tax payments; Electronic Benefit Transfer (EBT); and Electronic Transfer Account (ETA).
Speakers:
James T. Garner AAP
Retail Payments Project Coordinator II, Federal Reserve Bank of Atlanta
Mary M. Gilmeister AAP
President, WACHA - The Premier Payments Resource
Session 215
Tuesday Dinner
Tuesday, 5:30 p.m. - 7:00 p.m.
Room: The Dining Room
Session 217
Game Night! Are You Smarter Than an AAP?
Tuesday, 7:00 p.m. - 8:00 p.m.
Room: Emory Amphitheater
We're halfway there - graduation is on the horizon, are you ready to apply what you've learned? This fun game, hosted by TPI Faculty, allows students to burn some steam and shout out answers! Students can play as an individual or as part of a team, just come ready to play!!
Session 231
Wednesday Breakfast
Wednesday, 7:00 a.m. - 8:00 a.m.
Room: The Dining Room
Session 237
Registration & Information Desk at the Quad
Wednesday, 7:30 a.m. - 3:30 p.m.
Room: Lullwater Prefunction
Session 241
ACH 303 - Evolving Issues in the ACH World
Wednesday, 8:00 a.m. - 9:30 a.m.
Automated Clearing House
Room: Emory Amphitheater
Throughout the week students have been introduced to basic Payment concepts. Now it's time to see what's on the horizon? How is the Payments world evolving? This course offers a strategic look at issues such as ineligible items, check conversion, and system interfaces. Be prepared for the evolution. Suggested Thursday Lab: ILB 108 - Marketing for New Products
Speakers:
Fred Laing, II AAP, CCM
President, Upper Midwest ACH Association
Cynthia J. Thompson AAP, CCM
Education & Training Director, The Payments Authority, Inc.
Session 242
RCP 206 - Navigating the Regulatory & Compliance Path
Wednesday, 8:00 a.m. - 9:30 a.m.
Risks & Compliance
Room: Oak Amphitheater
You've been introduced to the Regulatory & Compliance Path, now learn how to navigate the landscape. Students will learn how the Rules and Regulations inter-relate, or don't interrelate, and will discuss some troublesome issues FIs face when trying to move through the Payments space. Suggested pre-requisite course: RCP 101 - Exploring Regulations and Rules. Suggested Thursday Lab: ILB 109 - How Would YOU Change the Rules?
Speakers:
William Bley AAP
President & CEO, Northwest Clearing House Association
Angela Smith AAP
SVP, Director of Check Education, PaymentsNation
Session 243
CAP 303 - Surfing the Mobile Channel
Wednesday, 8:00 a.m. - 9:30 a.m.
Cards & Alternative Payments
Room: Lullwater I & II
In this advanced level course, faculty will examine online banking and mobile payments and offer a strategic look at questions surrounding these emerging products. Mobile payments and mobile banking are now being projected to be the next consumer payments boom. Where are they in use today and where are they projected to go in the future? Who are the stakeholders and what does the value chain look like? What are the regulatory barriers to the development of mobile commerce? Faculty explore these questions and more. Suggested Thursday Labs: ILB 106 -Chargebacks & Exceptions for Cards; ILB 108 - Marketing for New Products
Speaker:
Gary Yamamura
Principal Consultant, Verifax Consulting, Inc.
Session 244
CPF 201 - Understanding & Employing Best Practices for Corporate Payments
Wednesday, 8:00 a.m. - 9:30 a.m.
Corporate Focused
Room: Lullwater III - V
Faculty in this intermediate-level course faculty lead students through an interactive, application-specific case study exercise. Based on previous discussion concerning B2B payments and the barriers to adoption, the focus of the course is on implementation and operation of best practices with practical consideration of the business and financial environment. Suggested Thursday Labs: ILB 105 - Proper Payment Methods for Corporates; ILB 108 - Marketing for New Products
Speakers:
Sharon Jablon AAP
Manager, Business Development, Electronic Payments Network
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv
Session 253
Wednesday Morning Break
Wednesday, 9:30 a.m. - 9:50 a.m.
Room: Lullwater Prefunction
Session 257
CPF 301 - The Business Case for Branch & Remote Deposit Capture
Wednesday, 9:50 a.m. - 10:50 a.m.
Corporate Focused
Room: Emory Amphitheater
This advanced-level course offers a strategic look at the unfolding opportunities and challenges of remote deposit of branch deposits and corporate remote deposits. Faculty will provide a complete business case for RDC: what it is, how it works, who's using it, and why it works. Suggested Thursday Labs: ILB 102 - Disbursements & Collections in the Payment Space; ILB 105 - Proper Payment Methods for Corporates
Speaker:
Tom Kettell
Strategic Business Manager, Emerging Markets, Epson America, Inc.
Session 258
CAP 306 - Advancements & Critical Issues in the Card World
Wednesday, 9:50 a.m. - 10:50 a.m.
Cards & Alternative Payments
Room: Oak Amphitheater
The Card world can, and often does, change overnight. New products and concepts are introduced throughout the world. Faculty in this advanced-level course will offer a strategic look at what's on the Card horizon and what might work (and what might not). Students will discuss contactless payments, decoupled debits, interchange wars and more. Suggested Thursday Labs: ILB 103 -Debit Card Fraud Case Studies; ILB 106 -Chargebacks & Exceptions for Cards
Speaker:
Gary Yamamura
Principal Consultant, Verifax Consulting, Inc.
Session 259
CPF 204 - Reaching Consumers: Wishlist for Corporate Payment & Billing Methods
Wednesday, 9:50 a.m. - 10:50 a.m.
Corporate Focused
Room: Lullwater I & II
Corporate practitioners demand evolving opportunities in the billing, payment and communication spaces as they relate to interacting with consumer users. How is the industry responding to these demands? What opportunities exist in the world of consumer e-billing and mobile payments? What is your dream product as a corporate? What tools do you need to keep up? Faculty will share their ideas and discuss barriers to adoption. Suggested Thursday Labs: ILB 102 - Disbursement & Collections in the Payments Space; ILB 105 - Proper Payment Methods for Corporates
Speaker:
Christopher Huppert
Senior Vice President, Wells Fargo
Session 265
RCP 205 - Disaster Recovery: Moving Money During Disasters
Wednesday, 11:00 a.m. - 12:00 p.m.
Risks & Compliance
Room: Emory Amphitheater
Responses to 9/11 and disasters like hurricanes Katrina & Rita changed the Payments landscape in the way banks, corporations and government entities reacted to the crises. While these were not easy ways to learn lessons, lessons were learned nonetheless. What processes and contingencies have been implemented in the years since these events? What is being done now to ensure the problems encountered in 2001 and 2006 do not resurface? Learn what you should and must do to ensure that you are not the weakest link. Disasters are short-term, but your organizations' reputation and business vitality are long-term.
Speakers:
Nell Campbell-Drake
Financial Services Director - Retail, Federal Reserve Bank of Atlanta
Mark Webster CPA CCM
Partner, Treasury Alliance Group, LLC
Session 266
CPF 303, ACH 302 - Building A Winning ACH Marketing Program
Wednesday, 11:00 a.m. - 12:00 p.m.
Corporate Focused
Room: Oak Amphitheater
What comes first in Marketing, the product or the roll-out plan? Does the product drive the plan or vice versa? Faculty in this course will provide an in-depth examination of a winning plan. Using lessons learned from the Pay-It-Green Initiative students will be asked to participate in building a case study for a new ACH product of their own invention. Suggested Thursday Lab: ILB 108 - Marketing for New Products
Speakers:
Susan L. Robertson AAP
Assistant Vice President, Federal Reserve Bank of Atlanta
Mark Tizzard
EPN Strategic Business Development Manager, The Clearing House
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv
Session 267
CAP 305 - Advanced Strategies & Challenges in the Card Environment
Wednesday, 11:00 a.m. - 12:00 p.m.
Cards & Alternative Payments
Room: Lullwater I & II
This advanced course offers a strategic look at the ever-changing card environment. Listen, learn, and participate in a lively discussion and examination of key issues and challenges. Topics include: How will newfound merchant payments power alter the business model? Do interchange fees have a chance in a regulatory and business pressured world? How do recent PIN-debit network acquisitions change the landscape? What will be the strategic impact of debit cards on the market? How have the VISA and MasterCard governance changes affected their business strategies? Will there ever be a PIN-debit card for internet purchases? Will retailers build their own debit brand? As an ACH product? Can cards penetrate new merchant acceptance categories? What does this mean to your bottom line? Suggested Thursday Labs: ILB 103 - Debit Card Fraud Case Studies; ILB 107 - System of Fines & Arbitration: Be the Panel
Speaker:
Scott Green
Network Products Manager, SHAZAM, Inc.
Session 279
Wednesday Lunch
Wednesday, 12:00 p.m. - 1:00 p.m.
Room: The Dining Room
Session 281
RCP 302 - ePayment Fraud Detection, Prevention & Management Techniques
Wednesday, 1:00 p.m. - 2:30 p.m.
Risks & Compliance
Room: Emory Amphitheater
Students have previously been introduced to the basic concepts of fraud in the payments world. This advanced course explores the nature and scope of fraud today in terms of methods, detection, prevention, consequences, and guidance for payments system participants. Key happenings in the "fraud world," significant developments in law enforcement and prevention techniques are considered. Suggested Thursday Lab: ILB 107 - System of Fines & Arbitration: Be the Panel
Speakers:
Kim A. Bruck AAP
VP, Risk Management, PaymentsNation
Michael Mulholand
Director, Solution Strategy, Memento Inc
Session 282
CAP 302 - Practical Discussion of Pre-Paid Card Products
Wednesday, 1:00 p.m. - 2:30 p.m.
Cards & Alternative Payments
Room: Oak Amphitheater
In this advanced-level course, faculty examine the strategic, business, and operational aspects of Pre-Paid or Stored Value Cards. Information is presented from the financial institution and distributor points of view for both branded and non-branded products. Learn about the different types of pre-paid offerings such as gift cards and payroll cards; how the cards operate; the risks associated with card issuance and acceptance; unique characteristics of pre-paid cards as compared to "standard" debit cards, and key legal and regulatory issues associated with such products. Suggested Thursday Labs: ILB 103 - Debit Card Fraud Case Studies; ILB 106 - Chargebacks & Exceptions for Cards
Speaker:
Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Session 283
ACH 203, RCP 208 - ACH Bits & Bytes: Drilling Down into the ACH Record Formats
Wednesday, 1:00 p.m. - 2:30 p.m.
Automated Clearing House
Room: Lullwater I & II
ACH Origination begins with a properly formatted file. This course focuses on the intricacies of the ACH Record Formats. Faculty take students on a comprehensive and detailed tour of the 94 characters that comprise an ACH entry. Students will also discuss addenda records and proper formatting, and will examine field purposes, specific field values, commonly experienced problems, and tips for optimizing ACH Network participation with a command of the bits and bytes of ACH. Suggested Thursday Lab: ILB 101 - Ready To Be an AAP?
Speakers:
William Bley AAP
President & CEO, Northwest Clearing House Association
Stephanie Prebish AAP, CTP
Director, Education Program Development, NACHA - The Electronic Payments Assoc.
Session 284
ACH 301 - NACHA Pilots: Next Generation of Payments
Wednesday, 1:00 p.m. - 2:30 p.m.
Automated Clearing House
Room: Lullwater III - V
What does it take to become a NACHA pilot? How does a partner decide to take part in a pilot? Using the three pilots which are currently in place - DCT, EBids and Secure Vault Payments, faculty will review how they went about choosing the pilot and what they hope to gain; provide current updates on pilot activity and consider what steps need to be taken to move from the pilot stage to a full-fledged program.
Speaker:
Samantha Carrier
Senior Director, Advanced Payments Solutions, NACHA - The Electronic Payments Assoc.
Session 293
Wednesday Early-Afternoon Break at the Quad
Wednesday, 2:30 p.m. - 2:50 p.m.
Room: Lullwater Prefunction
Session 297
ACH 204 - International ACH Transactions: Understanding the New Regulatory Requirements
Wednesday, 2:50 p.m. - 4:05 p.m.
Automated Clearing House
Room: Emory Amphitheater
Every ODFI and RDFI will feel the effect of the IAT Amendments being implemented in March 2009. Faculty in this intermediate-level course will examine the new requirements for both origination and receipt, the importance of implementing and sustaining an effective OFAC policy, the intricacies of the new definition of an International ACH Transaction, and the new formatting requirements. Students participate in interactive learning exercises surrounding various IAT scenarios. Suggested Thursday Lab: ILB 109 - How Would YOU Change the Rules?
Speaker:
Priscilla Holland AAP, CCM
Senior Director, International Programs, NACHA - The Electronic Payments Association
Session 298
RCP 301 - Emerging Trends in Risk
Wednesday, 2:50 p.m. - 4:05 p.m.
Risks & Compliance
Room: Oak Amphitheater
This advanced-level course will provide students a look at the ever-changing risk environment. What are banks working on now to combat risk? What tools are being used and introduced to help all players address current and evolving threats? Faculty will take a students on a strategic tour of the environment and offer suggestions and insights on how to answer these questions and more. Suggested Thursday Lab: ILB 107 - System of Fines & Arbitration: Be The Panel
Speaker:
Laura Weinflash
VP, Senior Product Manager, Early Warning Services
Session 299
CAP 203 - Banking on Online Banking & BillPay
Wednesday, 2:50 p.m. - 4:05 p.m.
Cards & Alternative Payments
Room: Lullwater I & II
Customers both corporate and consumer are constantly moving. As FIs and business try to keep up with their customers, the need for evolution in the Online Banking and BillPay arenas is crucial. This course explores the point of view of the offering bank - faculty will review both Online Banking and BillPay platform models and examine such issues as how to market and adapt to the ever-changing world of Online Banking. Suggested Thursday Labs: ILB 105 - Proper Payment Methods for Corporates; ILB 108 - Marketing for New Products
Speaker:
Timothy Froemling
Senior Product Manager, Online Resources Corporation
Session 309
Wednesday Late-Afternoon Break at the Quad
Wednesday, 4:05 p.m. - 4:25 p.m.
Room: Lullwater Prefunction
Session 313
ACH 207, CPF 204, RCP 203 - Understanding & Managing Third-Party Relationships in the ACH Network
Wednesday, 4:25 p.m. - 5:40 p.m.
Risks & Compliance
Room: Emory Amphitheater
In this intermediate-level course, faculty will take a closer look at the role of Third-Parties that are commonly used by some financial institutions and corporate participants of the ACH Network for payments processing and operations in order to reduce costs or introduce new products and services. Gain insight into the operational and legal considerations inherent in working with third-parties, and obtain guidance on adopting appropriate agreements and business practices to protect your organization and your customers. Suggested pre-requisite courses: ACH 104, CPF 101 - Examining ACH from the Originator's Perspective Suggested Thursday Labs: ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.; ILB 107 - System of Fines & Arbitration: Be the Panel
Speakers:
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv
Wendy Wishon AAP
Vice President, Mid-America Payment Exchange
Session 314
CAP 307 - Critical & Emerging Issues in Debit Card Transactions
Wednesday, 4:25 p.m. - 5:40 p.m.
Cards & Alternative Payments
Room: Oak Amphitheater
This advanced-level course examines the critical and emerging issues in the signature, decoupled, and PIN-based debit card transaction arenas. Faculty will provide an insightful review of the changes in interchange rates and other pricing components, and how debit network merger and acquisitions have changed the competitive landscape. Also considered are how prepaid debit cards have developed into a lucrative new source of revenue for financial institutions and distributors. Suggested Thursday Lab: ILB 103 -Debit Card Fraud Case Studies
Speaker:
Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Session 315
ACH 208 - From the Front Lobby to the Back Office - Building a Successful Remittance Program
Wednesday, 4:25 p.m. - 5:40 p.m.
Automated Clearing House
Room: Lullwater I & II
Comprehension of the fundamentals and intricacies of cross-border ACH payments to Mexico enables financial institutions to succeed in offering a remittance program to their customers. Session participants will learn about the techniques and best practices one U.S. financial institution has used in rolling a remittance program, Directo a MéxicoSM. Details will be shared regarding marketing tactics, staff training, lessons learned, and the benefits the institution has realized. In addition, the panel will share practical and operational tips for payments to flow smoothly on both sides of the border. Suggested pre-requisite: CAP 206 - Exploring Global Payments
Speaker:
Elena Whisler AAP
Program Specialist-Directo a México, Federal Reserve Bank of Atlanta
Session 327
Wednesday Dinner
Wednesday, 5:30 p.m. - 8:30 p.m.
Room: The Dining Room
Session 335
Thursday Breakfast
Thursday, 7:00 a.m. - 8:00 a.m.
Room: The Dining Room
Session 341
Registration & Information Desk at the Quad
Thursday, 7:30 a.m. - 10:00 a.m.
Room: Lullwater Prefunction
Session 346
ILB 101 - Ready to Be an AAP?
Thursday, 8:00 a.m. - 9:00 a.m.
Interactive Learning Lab
Room: Oak Amphitheater
The 2008 AAP testing window closes October 31, are you ready? Students test their preparedness in this interactive learning lab - sample questions, test taking tips, study methods and more are put to the test!
Speakers:
Kathy Levin AAP
Managing Director, Payments Information Circle
Cynthia J. Thompson AAP, CCM
Education & Training Director, The Payments Authority, Inc.
Session 347
ILB 102 - Disbursement & Collections in the Payments Space
Thursday, 8:00 a.m. - 9:00 a.m.
Interactive Learning Lab
Room: Lullwater I & II
This interactive lab allows students to decide - what is the best method for collection or disbursement? Students will be given sample scenarios and asked to decide what method is the fastest, most cost efficient, and most appropriate in the payments world.
Speaker:
Mark Webster CPA CCM
Partner, Treasury Alliance Group, LLC
Session 348
ILB 103 - Debit Card Fraud Case Studies
Thursday, 8:00 a.m. - 9:00 a.m.
Interactive Learning Lab
Room: Lullwater III - V
Faculty in this lab present a series of case studies and, with the help of students, break them down to see if a fraud case could have been prevented. Using the fraud prevention and fraud identification techniques learned throughout the week come find out if the fraud could have been thwarted.
Speaker:
Gary Yamamura
Principal Consultant, Verifax Consulting, Inc.
Session 357
Thursday Morning Break at the Quad
Thursday, 9:00 a.m. - 9:15 a.m.
Room: Lullwater Prefunction
Session 362
ILB 105 - Proper B2B Payment Methods
Thursday, 9:15 a.m. - 10:15 a.m.
Interactive Learning Lab
Room: Oak Amphitheater
This interactive lab allows students to decide what is the best method for B2B payment. Students are given scenarios and asked to decide the fastest, most efficient, and most cost effective way to exchange funds with their business partner...ACH, wire, e-invoicing, check, P-card, credit card...what will you choose?
Speaker:
Christopher Huppert
Senior Vice President, Wells Fargo
Session 363
ILB 104 - Regulation, Rule or SEC Code Requirement? You Decide.
Thursday, 9:15 a.m. - 10:15 a.m.
Interactive Learning Lab
Room: Lullwater I & II
You know how things must be done but do you know why? Which rule or regulation applies? What SEC Code should be used in certain situations? This interactive learning lab promises to be fun, fast-paced and feisty! Faculty will serve as your host as you face off against fellow students and decide what applies to the scenario and why!
Speakers:
Luann S. Kohlmann AAP
Director, Education/Auditor, WACHA - The Premier Payments Resource
Wendy Wishon AAP
Vice President, Mid-America Payment Exchange
Session 364
ILB 106 - Chargebacks & Exceptions for Cards
Thursday, 9:15 a.m. - 10:15 a.m.
Interactive Learning Lab
Room: Lullwater III - V
The dispute mechanisms in the Card World can often be a challenge. This interactive learning lab provides students the opportunity to apply what they've learned all week - what situations warrant a chargeback? What are some common exceptions? Discuss sample cases and decide the best way to proceed.
Speaker:
Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Session 370
ILB 108 - Marketing for New Products
Thursday, 10:25 a.m. - 11:25 a.m.
Interactive Learning Lab
Room: Oak Amphitheater
You're now ready to roll out the applications you've been learning about all week...but, where do you start? Working with staff and other students you are assigned a specific product and asked to develop a marketing plan. You are asked to identify key features, goals, and benefits of the product and see what marketing can do for your organization.
Speakers:
Mark Tizzard
EPN Strategic Business Development Manager, The Clearing House
Stuart Williams
Director, CheckFree Payment Services, CheckFree, now part of Fiserv
Session 371
ILB 107 - System of Fines & Arbitration: Be the Panel
Thursday, 10:25 a.m. - 11:25 a.m.
Interactive Learning Lab
Room: Lullwater I & II
Join a former member of NACHA's Arbitration Board and a current member of the ACH Rules Enforcement Panel for this interactive workshop that will allow students to apply what they've learned all week. Students will review case studies based on actual events and will decide if a rule has been violated and whether to fine or not to fine.
Speakers:
Luann S. Kohlmann AAP
Director, Education/Auditor, WACHA - The Premier Payments Resource
Cynthia J. Thompson AAP, CCM
Education & Training Director, The Payments Authority, Inc.
Session 372
ILB 109 - How Would YOU Change the Rules?
Thursday, 10:25 a.m. - 11:25 a.m.
Interactive Learning Lab
Room: Lullwater III - V
Now that you've become an expert in understanding the NACHA Operating Rules, how would you like to see them changed? In this interactive lab, students will discuss the Request for Comment process under the Rule Making Process, examine how one change to the Rules could cause a ripple effect to other Rules and Regulations that are already in place, and debate issues that they would like to see changed.
Speaker:
Wendy Wishon AAP
Vice President, Mid-America Payment Exchange
Session 384
Graduation Luncheon
Thursday, 11:30 a.m. - 12:30 p.m.
Room: Lullwater Ballroom
You made it! Come celebrate your accomplishment at the 2008 Graduation Luncheon. Hear closing remarks from the Dean of Students and collect your well-earned diploma. This is your last chance to say goodbye to the friends and colleagues you've made during the week so bring a supply of business cards so that you can be sure to keep in touch!
Speakers:
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