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