Jennifer Johnson, Director, Sponsoring Organizations Relationships, ECCHO
Phyllis Meyerson, Executive Vice President, ECCHO

During the last five years, there has been more change in the check payment system than ever before. Almost 100% of forward presentment is now processed electronically. Checks are still written, as the payment of choice, in one out of every four non-cash payments.  Given the significant market for check, the degree of operational and product change resulting from image exchange, and the level and complexity of regulatory change, payments professionals need to maintain and cultivate check expertise. ECCHO and its partners are pleased to announce the launch of the National Check Payments Certification program to provide and recognize check expertise. Join ECCHO for breakfast and learn how you can become a National Check Professional:

• The material covered on the exam
• Successes and lessons learned from the pilot
• Study tips
• Recognition of the first class of NCPs
• Information about the production program

Jennifer Johnson, Director, Sponsoring Organizations Relationships, ECCHO
Phyllis Meyerson, Executive Vice President, ECCHO

During the last five years, there has been more change in the check payment system than ever before. Almost 100% of forward presentment is now processed electronically. Checks are still written, as the payment of choice, in one out of every four non-cash payments. Given the significant market for check, the degree of operational and product change resulting from image exchange, and the level and complexity of regulatory change, payments professionals need to maintain and cultivate check expertise. ECCHO and its partners are pleased to announce the launch of the National Check Payments Certification program to provide and recognize check expertise. Join ECCHO for breakfast and learn how you can become a National Check Professional:

• The material covered on the exam
• Successes and lessons learned from the pilot 
• Study tips 
• Recognition of the first class of NCPs 
• Information about the production program

John Carlson, Executive Vice President, BITS

As technologies such as mobile computing, social networking and cloud computing continue to evolve and they are used more extensively by financial institutions and their customers, challenges with security and fraud grow, too.  In this plenary session, John Carlson, the new executive vice president for fraud prevention and cybersecurity at BITS, will discuss efforts to address the changing security and fraud environment, including collaborative efforts to improve identity proofing. Carlson, former director of bank technology at the OCC, also will discuss compliance with regulatory requirements in security and fraud prevention. BITS is the technology policy division of The Financial Services Roundtable, which represents 100 of the largest U.S. financial services companies.

John Carlson returns to BITS from Morgan Stanley, where as managing director, he focused on supplier risk management, new product approval, environmental risk and standardization of board-approved policies. He is a member of the Financial Services Sector Coordinating Council for Critical Infrastructure Protection and Homeland Security (FSSCC) Executive Committee and co-chair of the FSSCC Policy Committee and past chairman of the FSSCC Research and Development Committee. Prior to Morgan Stanley, Carlson was senior vice president at BITS, managing regulatory, security, vendor management, and crisis management initiatives from 2002 until 2010. During his tenure, he created and led BITS’ regulation program and was instrumental in collaborating with the U.S. Department of the Treasury and the Department of Homeland Security to strengthen business resilience for the sector. He fostered collaborations with major software companies, the telecommunications industry and government agencies on cyber security, resiliency and supply chain issues. 

Prior to 2002, Carlson served in a variety of roles at the Office of the Comptroller of the Currency, including director of bank technology. He also worked at the U.S. Office of Management and Budget, Federal Reserve Bank of Boston and United Nations Center for Human Settlements.

Mike Beach, Vice President, Image Payments, Fifth Third Bank
Flavia Krone, Vice President, Operations Support, Bank of the West

Managing duplicate transactions has been a challenge since the very early days of image exchange, and as potential points of origin continue to increase, the risk of duplicates is growing exponentially. In this session, two leading-edge banks will highlight their current operations and describe what the future holds for the identification and resolution of duplicate transactions. Specific topics include:

• Key pain points -- false positives, cross channel duplicates and cross payment type (ACH) dupes -- where will they show up next?
• Identifying duplicates at the teller line, ATM or RDC -- is there a need to replicate duplicate detection?
• Impact of consumer capture on duplicates and associated risks -- are we inviting trouble?
• Merits of a national check database on duplicates -- how can the industry cooperate to detect dupes across institutions?

Nicole Muryn, Program Manager, Regulation, BITS/Financial Services Roundtable
Moderator: Doug Johnson, Vice President, Risk Management Policy, American Bankers Association

From enhanced privacy protections to national data breach standards to a completely new cyber security overlay, cyber legislation is hot. Or is it? Variations of these proposals have been around for several, and in some cases many, years. And the agencies, including the Consumer Financial Protection Bureau, are also engaged. And clouding it all is Durbin. This session will discuss recent legislative and regulatory initiatives involving fraud and cyber security and gaze into the crystal ball regarding what the future might bring, including:

• The implications of a national data breach standard
• The impact of the administration’s cyber security proposal
• What CFPB’s role might be in privacy and security regulation

Mark Kielman, Industry Relations Manager, Retail Payments Office, Federal Reserve Bank
Dan Welch, Senior Vice President, Bank of America 
Moderator: Cheryl Yavornitzki, Payments Relationship Manager, LendingTools.com

X9.37 is out of style? X9.100-187 is the new trend? And just what is X9.100-140 IRD? In a perfect world, the process of adopting image exchange formats would be simultaneous and uniform. But in the real world, multiple processing platforms and exchange networks make interoperability a challenge. Image standards and exchange based variations came to the forefront in 2010 when the Federal Reserve implemented new compliance standards for image cash letter processing. This session will provide practical clarity into the process that has evolved for maintaining and adopting image standards within the banking industry. Attendees will hear from panelists who have taken leading roles in developing how to define and produce check information in digital form. Whether your institution runs item processing in-house or through a service bureau, this session is a must for operations professionals to understand the still evolving world of check image exchange.

• What is the ANSI X9 Committee and how does it function? Key differences between X9.37 and X9.100-187
• How does the Universal Companion Document fit into the field validation process?
• What do I need to know to make sure my item processing vendor or service provider is staying up to date?

Vincent R. D'Agostino, Senior Vice President, Payments, JPMorgan Chase
Robert Woodbury, Vice President, NYCE Payments Network, LLC, an FIS Company
Andrea E. O’Connor, Customer Experience Executive, Assistant Vice President, State Farm Bank
Moderator: Richard Crone, CEO, Crone Consulting LLC

By the end of 2012, 75% of in-store sales will be mobile-influenced in some way, setting the stage for integrating mobile payments and opt-in, user-defined self-marketing and loyalty programs at the physical point of sale (POS). This session will explore how an advertising-sponsored mobile payment network can link the $5 billion local advertising market to the $6.2 trillion payments market at the physical POS.

• What will the business model be? What will the trade-offs be as banks weigh the advantages they may give up vs. what they may gain by working with new 3rd party intermediaries?
• What will the economic structure of the advertising offer be? Can banks go it alone and use their own mobile banking apps or how do they best work with separate mobile wallet purveyors?
• Aggregate or be aggregated: Which approach will win? Examining the role of the wireless carrier and the business impact of having others accumulate multiple payment accounts in one mobile wallet

Peer group sessions bring you together with operations, technology and payments managers from institutions comparable to yours. In the peer group session, you determine the agenda as you pursue your institution’s specific information needs with the help of expert facilitators.

Banks Less than $10 billion in assets

Facilitators:
Michele Cantley, Senior Vice President, Information Security, Regions Bank
Heather Wyson, Senior Director, Risk Management Policy, American Bankers Association

Banks Greater than $10 billion in assets

Facilitators:
Kim Duncan, First Vice President, Enterprise Fraud Management, SunTrust Bank
Shirley Inscoe, Fraud Management Consultant

Angie Smith, Senior Manager, Education Services, Viewpointe
J.R. Thornton, Senior Consultant, Carlisle & Gallagher Consulting Group
Moderator: Chris Journell, Adjustments and Exceptions Department Manager, Fifth Third Bank
Additional panelists to be announced

The payments process has evolved tremendously over the last five years with the adoption of image exchange, and every facet of this change has had an impact (positive or negative) on "traditional" back office practices. In this panel discussion, attendees will have an opportunity to hear the challenges brought about by these process changes and to better understand areas that have been positively affected by true change agents within our industry. At the session's conclusion, attendees will be able to better identify the areas that may offer prospects for process improvement and gain insight as to how to incorporate best practices into their own bank operations.

• The relatively unknown features of XCK ACH transactions
• The complex web of direct exchange adjustments
• Improving efficiencies in traditional exception item processing
• How to best get all banks to follow accepted rules and guidelines

Oren Michels, CEO, Mashery

When PayPal released its PayPal X API two years ago, it became the first global payment service open to third-party developers. A startup called Payvment immediately marketed a free virtual cart that let online shoppers buy products at a series of web sites, including Facebook, and then pay for everything during a single checkout. By now, Google and payment companies of all types offer outside developers secure plug-and-play payment solutions that can be embedded in whatever they’re creating. Why should banks care? Companies don’t need to take a cut on transactions to get an ROI.  APIs offer an unprecedented opportunity to expand a company’s relationships with customers because they make it easy to deploy content and services in new, ultra-relevant contexts. Those can include a bank’s own branded apps, integrations with strategic partners, and co-branded apps built by external developers. But launching an API means opening new channels of digital distribution. And like offline distributors, you’ll be expected to deliver the goods quickly and reliably. Get acquainted with the details here:

• Accelerate deployment of digital solutions and services, including payments
• Develop new partnerships
• Build brand presence in emerging distribution channels (e.g., social media)
• Create competitive and differentiated products with low cost of ownership
• Leverage decentralized or global innovation, not just your own financial institution's finite, internal R&D team

Alaric International

Steve Whiting, Business Development Director

Alaric believes that a flexible Fraud Detection, Prevention and Management Hub is the most strategically valuable and effective solution, to minimise and control fraud exposure. This solution is easily integrated into existing systems and delivers powerful configurable rules and case management in its own right.

Authentify, Inc.

John Zurawski, Vice President, Sales & Marketing

Advanced malware threats reduce the trust level financial services institutions can place in account logons.  The malware threat and recent FFIEC guidance has driven the need for authentication and verification to the transaction level.  This session offers an overview of available technologies for verifying the legitimacy of transactions.

Peer group sessions bring you together with operations, technology and payments managers from institutions comparable to yours. In the peer group session, you determine the agenda as you pursue your institution’s specific information needs with the help of expert facilitators.

    Banks Less than $10 billion in assets

    Facilitators:
    David Rathke, Senior Vice President, Float Manager, Frost Bank
    Rick Kuhn, Senior Vice President, Program Manager for Operations, First Niagara

    Banks Greater than $10 billion in assets

    Facilitator:
    Tony Gerevics, Managing Director, JPM Chase
    David Kliewer, Major Accounts Manager, MTS Software Solutions

Mike Fowkes, Senior Vice President, Fraud Prevention and Security Analytics, Zions Bancorporation
Douglas Foster, Bank Technology Analyst, Office of the Comptroller of the Currency
Tiffany Riley, Vice President, Marketing, Guardian Analytics
Moderator: Doug Johnson, Vice President, Risk Management Policy, American Bankers Association

Innovations in retail payment service offerings today require a more robust and comprehensive approach to risk management.  As fraud schemes become more sophisticated and complex, taking measures to combat illicit activity early through authentication and account monitoring are increasingly imperative. How will industry participants address the hardware and software advances necessary to meet the new FFIEC guidance requirements? In this session, presenters will discuss:

• The enhanced regulatory examination expectations contained in the guidance
• What financial institutions need to consider when preparing for an examination
• The impact the supplementation guidance will have on risk management strategies for customer authentication
• Strategies for implementing a layered-security approach

Allen Weinberg, Payments Consultant, Glenbrook Partners
Ben Milne, Founder and CEO, Dwolla
Moderator: George Warfel, Consulting Director, Global Payment Solutions, Fiserv

Social payments aren’t just pitching in for your share of the pizza. Social networks and collaborative media provide fertile ground for payment innovation from virtual currencies to grassroots fundraising. Facebook is the third largest country in the world with 800 million citizens, and now they have their own currency! Learn about Facebook Credits, the emerging forces of social eCommerce, and the power of personal connection driving financial transactions through new forms of social payments. Hear how two innovative new payments systems, Dwolla and Kaching leverage the community model that underlies social media to deliver a better payment experience for people.  

• A framework for understanding social payments
• Understanding the enabling market forces and technologies
• How new payment systems are leveraging the community model  

Jim Resmer, Senior Vice President, and Head of Liability Risk Management, BB&T
David M. Nelson, Cyber Fraud and Financial Crimes Section, FDIC
Andrew Bonillo, Principal Consultant for the Investigative Response Unit, Verizon Investigative Services

Payments fraud has become a bona fide international issue for financial institutions of all sizes. As international payments volumes are growing, there are also increased fraud threats originating from outside the U.S. borders directed at our payment systems. International fraud incidents are occurring in all our payment systems, including check, ACH, cards and wire transfers. Attendees will hear specific examples of fraud from recent schemes as well as what is being done to try to prevent more of the fraud directed at our payments systems from sources around the world.

• Specific examples of recent payment fraud schemes
• Current initiatives to curb fraud originating from outside the United States through prevention and investigative measures
• Types of monitoring that may help detect and prevent similar fraud in financial institutions

Spencer Shell, Vice President & Assistant Treasurer, ING US Insurance
Moderator: Jenny Johnson, Director, Sponsoring Organization Relationships, ECCHO

Checks are still the payment of choice for many businesses. According to the 2010 Fed Payments study, checks originating from businesses have declined at a much lower rate than consumer-originated checks. Find out first hand why check is still a valued payment type for businesses and just how they make their payments decisions.  Take advantage of the opportunity to ask the participants about their current and future payment strategies. Hear whether the industry should expect business check volumes to decline and whether mobile and other payment types are being considered in their plans.  Businesses will also share:

• How and why they determine their payment mix
• How they would like to interact with their bank(s) with regards to payments strategy
• How recent economic conditions have impacted their payment decisions
• What factors would cause businesses to re-think their current payments strategies

Susan Whitson, Executive Vice President, First National Bank, Cedar Falls, Iowa
Daniel Kramer, Senior Vice President, Marketing and Merchant Services, SHAZAM
Terry Dooley, Senior Vice President, Information Technology, and Chief Information Officer, SHAZAM

Bank payment revenue streams will shrink by more than $1 billion in interchange next year due to increasing acceptance of online alternative payments, according to one consultant group’s research. What exactly are “alternative” payments and how do they threaten bank hegemony in payments? Which alternatives might also make effective bank partners? In this session, a major electronic funds transfer network and a banker discuss the changing payments landscape and how your financial institution can create its profitable payments strategy.

• How the payments landscape is shifting and where that leaves banks today
• The non-bank competitors that banks need to watch
• New products and services behind the payment shifts and how to position the new options with your customers
• Technologies that can keep your organization competitive and changing with the times
• How marketing and demographic information can and should influence your alternative payments choices