Todd Decker, Senior Vice President, Deposit Product Management, Regions Bank
Jeffery L. Kline, President & CEO, MEMBERS Development Company
David C. Mills, Ph.D., Chief, Payment System Studies Section, Reserve Bank Operations and Payment Systems, Board of Governors of the Federal Reserve System
Joseph Salesky, Founder & Chief Strategy Officer, FreeMonee Network 

Moderator: Bob Giltner, Chief DDA Strategist, Velocity Solutions

Other panelists to be announced

Consumer online and electronic payments well exceed check payments today, according to research by the Federal Reserve Bank of Boston. With the number of mobile devices with online connectivity predicted to double during the next three years to nearly twice the number of PCs, payments and related information and management are changing. Networked, online payment strategies and services, in which multiple entities link and adopt technology together, are moving banking from a “place” to an online “context or experience.” 

Competitive players are integrating transaction account data, online data filing, storage and management, social media, billers, behavioral game theory, risk analytics and monitoring. These new initiatives will increasingly threaten to take volume and revenue from those clinging to traditional single entity strategies. For example, Pinpoint, Manilla, Offermatic and Movenbank are companies either capturing transaction account data through aggregation or providing accounts with linking to additional information such as geography, billers and bill payment, social media, purchase behavior analysis and merchant offers through networks.

In this new payments network model, what are the changing role, revenue and relationship functions of the DDA transaction account?

Christy Haley, Fraud Analyst - Card Services, American Airlines Federal Credit Union
Doug Kinsel, Card Strategist, Card Services Division, Bank of the West
Rakesh Mirajkar, Director, Fraud Strategy and Analysis, Capital One Financial Corp.
Moderator: Mike Urban, Director, Portfolio Management, Financial Crimes & Risk Management, Fiserv
Additional panelists to be announced

This session will explore the path to mitigation of card fraud through topics such as management of card compromises, the block and reissue process, use of metrics in management of card losses and what the future holds. Join expert bank panelists as they discuss:

• How criminals have learned to fly under the radar by moving to smaller, more frequent compromises
• Where losses are showing up – especially card not present, bust-out and prepaid fraud
• Block and reissue – balancing client impact and potential loss
• What should we measure, why should we measure it and now that we have the data, what do we do with it
• Mitigation techniques and tools – best practices for preventing and mitigating card fraud
• Where the card space is moving -- contactless, EMV and more

Alex Jimenez, Senior Vice President and Director, Digital Channel Management, Rockland Trust Company
Patrick Reetz, Head of U.S. Online and Mobile Banking, North American Integrated Channels, BMO Harris Bank
Darcy J Samson, Vice President, Small Business Deposits, U.S. Bank
Carl Shishmanian, Executive Director, Deposit Services, JPMorgan Chase
Moderator: Bob Meara, Senior Analyst, Celent

A rapidly growing number of financial institutions are planning on offering mobile remote deposit capture (RDC) capability to consumers and businesses alike. Doing so invites a number of considerations. Among them, risk and compliance are top concerns. This panel of early-mover financial institutions will discuss key considerations that defined their mobile RDC product initiatives as well as the results obtained. Financial institutions not yet participating in mobile RDC will learn from the early-movers in areas such as:

• What market segments are best served through mobile RDC and why
• What levels of customer adoption can be expected
• How to effectively address the risks associated with mobile RDC
• Business case considerations for mobile RDC
• Operational results: the good, bad and the ugly

Cheryl Collier, Vice President Operations Support, State Employees Federal Credit Union
Daniel Kramer, Senior Vice President, Marketing and Merchant Services, SHAZAM
James Hanisch, Executive Vice President, Network Operations & Corporate Development CO-OP Financial Services
Donna L. Embry, Senior Vice President Strategic Development, Payment Alliance International, Inc.
Alan Walsh, Director of Marketing, Wincor-Nixdorf
Moderator: Heidi Liebenguth, Consulting Partner, Crone Consulting LLC

Cash access through ATMs has been limited to network-registered cards using magnetic stripes and personal identification numbers (PINs); this all changes with mobile cash access. Now it is possible to use a smart phone app (i.e., mobile wallet) to activate and access traditional and advanced functionality at ATMs. Mobile cash access is a disruptive technology because authentication credentials can be controlled by the issuer of the smart phone app/mobile wallet without participation by the card associations. That creates the potential to dramatically disrupt the existing value chain and provide new branding and product development opportunities and a foundation for mobile payments at the physical point of sale.

• What does it mean to stage ATM transactions “in the privacy of your own phone” for mobile cash access
• How can you gain from using your own mobile banking app to activate ATMs vs. apps by 3rd parties
• Hardware vs. software only approaches and how to avoid truck rolls to upgrade legacy ATM hardware for mobile cash access
• Using your mobile banking app for strong authentication and processing that avoids card association royalties/interchange
• ATM mobile cash access as a pathway to mobile payments and mobile self-marketing

Cay Landowski, Vice President, Product Support Manager, U.S. Bank
Jim Lansing, Senior Vice President, Float Management, Wells Fargo  

Image exchange has evolved since Check 21 from a straight forward exchange of on-us items between the major check clearing channels to a refined exchange process addressing changes in the industry and customer needs. Financial institutions' efforts to tackle these changes need to take into account the various segments that each financial institution interacts with, including exchange partners, correspondent banks, corporate clients, government entities, small business, ATM, retail, etc. This presentation illustrates the emergence of these image exchange segments and how the image exchange strategy and approach of two different banks evolved to meet the needs of their exchange partners and customers. Areas of focus include:

• How to address the unique image exchange settlement needs when multiple networks or customer bases are involved
• How to incorporate both cost and revenue elements into image exchange
• What approach to take solving for day one and two exception processing nuances across multiple segments
• How to stay in front of image exchange regulatory, industry and technology challenges for each segment

Donna Turner, Senior Vice President, Global Fraud Policy Executive, Bank of America

Much industry fraud prevention focus has moved towards electronic payments. But at slightly more than $1billion in losses per year, check fraud continues to be a major loss category and will be for the foreseeable future. Changes in checks and check processing have created new fraud risks and have also created new fraud prevention opportunities. This session will update both experienced check fraud managers as well as newcomers on today’s check fraud issues and opportunities. The following areas will be covered:

• How senior management is incorporating Day 2 fraud detection into its plans for Day 0-1, real-time payment processing in the future
• What existing and planned technologies are being viewed as part of the check fraud reduction program
• How check fraud has adopted and resisted change since the industry’s evolution to an image processing and electronic payments environment
• How image-based technologies and improved analytics can be used to reduce false positives and find frauds that are getting past today’s systems

Tom Beecher, CEO, Cartera Commerce
Rob Heiser, President and CEO, Segmint
Schwark Satyavolo, CEO, Truaxis
Moderator: Jim Marous, Director, Marketing Services, Harland Clarke

Other panelists to be announced What will tomorrow's mobile wallet look like? How can we balance the need for transactional efficiency with value-added benefits that will drive engagement, loyalty and share of wallet? Join us as we discuss the role of loyalty and rewards in tomorrow's digital wallet. In this session attendees will learn:

• What is being offered in the FI rewards arena today and how do these rewards differ from the points based programs of the past?
• What benefits do merchant-based rewards bring the FI, their retail customers and potentially commercial clients?
• How can a bank differentiate their program in the marketplace?
• How will rewards integrate with the digital wallet to be a payments game changer in the future?