Kent Smith, Managing Director, Operations Executive, Virtual Payments & Float Management, JPM Chase
Angie Smith, Senior Manager, Education Services, Viewpointe
J.R. Thornton, Senior Consultant, Carlisle & Gallagher Consulting Group

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