Agenda/Pre-conference Sessions

Auditing Remote Deposit Capture for Excellence (#9293)
Sunday, February 22, 2009
1:00 p.m. - 4:00 p.m.

Terri-Pelle Sands, Managing Director, Payments Information Circle
This session will cover the new FFIEC guidelines as they apply to performing your own internal review or preparing for an external audit of the remote deposit capture process. This session will include hands on experiences in auditing RDC programs in community banks. Hear the lessons learned from community banks in evaluating the risks associated with RDC, the challenges they face in offering this product and how community banks are staying competitive in the RDC market. In addition, hear how banks are proceeding with caution and what is on the RDC risk radar going forward. Risk areas that will be discussed are operational, strategic, fraud, vendor management, legal considerations, credit and how community banks are managing these risks.

• What banks are doing that works
• Common findings, recommendations and challenges from bank RDC experiences
• Working with the FFIEC guidelines

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Creating Big-bank Data Security for Community Banks (#9294)
Sunday, February 22, 2009
1:00 p.m. - 4:00 p.m.

Kevin Prince, Chief Architect, Perimeter eSecurity
Smaller financial institutions often employ the World Wide Web to level the playing field with giant competitors but typically can't afford the in-house expertise to detect and deter the accompanying threats. One result is that these financial institutions gain only a vague sense of their exposure and frequently under-spend on risk management-or spend in the wrong areas. This three-hour workshop by a firm that provides electronic defenses for more than 2,600 U.S. banks will start by helping attendees understand the current threats to financial institutions. Then experts will walk attendees through a risk-assessment process that they can take back to the bank. Finally, electronic security experts will discuss how to identify and assess an FI's digital assets and develop a strategy for protecting them.

• Current threats, including hackers, insiders and more
• Compliance-based risk analysis that even a small FI can do
• Layered security approach that addresses outside and inside threats

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Innovations in Debit Card Strategies: A New Profit Engine in the Decoupled, Merchant-funded Environment (#9297)
Sunday, February 22, 2009
1:00 p.m. - 4:00 p.m.

Paul Tomasofsky, President, Two Sparrows Consulting, LLC
Bob Giltner, Consulting Partner, My Rewards
Debit usage now drives the transaction relationship in financial services. However, many in the financial industry still treat the service as a "checking account" and have found debit rewards to be marginally profitable at best. In fact, a debit strategy can be the key profit engine for retail banking if components such as relationship services and rewards are properly implemented. In this interactive session, banking executives will share case studies to illustrate how debit rewards have proved to be a major profit engine for retail checking relationships. Learn how these banks are taking an innovative approach to tackling decoupling, benefiting greatly from merchant funding and generating more than $62 in profit per checking account.

• How to compete with decoupling and maximize success with merchant funding
• Hear the key strategies banks are employing to drive significant profits in just three months
• How to build customer relationships around the debit card

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Good, the Bad and the Ugly in U.S. Payments Systems (#9296)
Monday, February 23, 2009
8:00 a.m. - 11:00 a.m.

Kathy Levin, Managing Director, Payments Information Circle
Claudia Swendseid, Senior Vice President, Financial Services, Federal
Reserve Bank of Minneapolis This team of point/counterpoint presenters will outline key aspects of U.S. payments systems from checks to emerging payments and then confront the challenges, threats and new risks that bankers need to manage today. The session will begin by reviewing traditional payment types (cards, check, ACH, wires), then focus on newer and "emerging" payments methods. These include innovative uses of traditional payments, such as check image, ACH e-check, and prepaid and contactless cards, as well as alternative ways to make payments via the Internet and mobile technology.

• Examine key research results on payment behaviors
• Understand the promise and pain points in the U.S. payments system
• Compare traditional and new payment types and their suitability for different types of transactions

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How an Examiner Views Risk in Retail Payments (#9298)
Monday, February 23, 2009
8:00 a.m. - 11:00 a.m.

Tony Dasilva, Examiner, Federal Reserve Bank of Atlanta
How does your financial institution rate in retail payments risk management? This examiner's view of retail payments will provide you with the information needed to get the most out of the BAI TransPaySM Conference and to help you make sure your organization has its arms around risk in retail payments. As your organization investigates risk in retail payments, including potential fraud, be prepared to address potential concerns with mitigation solutions. Come hear about case studies, proven mitigation methods and ever-changing risks as the payments environment-and predators-evolve. The session will include new FFIEC guidance on remote deposit capture and other aspects of retail payment risk. Hear questions you may not have considered and answers you may not have known in areas including:

• Retail payments governance and oversight
• New product development
• Cross-channel payments risk
• Vendor management

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Key Issues in Implementing Image Exchange (#9292)
Monday, February 23, 2009
8:00 a.m. - 11:00 a.m.

Daniel Welch, Senior Vice President/Senior Change Manager, Bank of America
Phyllis Meyerson, Senior Vice President, ECCHO
This pre-conference session will cover the latest industry steps to facilitate broader image exchange and reduce exceptions, including the universal companion document for image exchange. It will provide insight into how financial institutions are dealing with check image exchange issues and how standards such as X9-37, X9-180, X9-181 and other industry efforts are designed to facilitate the growth of image exchange. The session is designed as an opportunity to exchange ideas among managers charged with finding solutions for their financial institutions. In particular, it will give attendees an opportunity to questions experts on how to address issues involving:

• TIFF
• Source documents
• Image quality assurance
• Variations in companion documents

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Remote Deposit Capture: Value Proposition, Pricing and Profitability (#9295)
Monday, February 23, 2009
8:00 a.m. - 11:00 a.m.

Ed McLaughlin, Editor, RemoteDepositCapture.com
John Leekley, Founder, Chief Executive Officer, RemoteDepositCapture.com Remote Deposit Capture is being adopted by the vast majority of financial institutions. However, awareness of the organization-wide impacts, a deep understanding of the customer-value proposition and positioning, pricing opportunities and solution profitability continues to be a challenge for many. Join two industry experts for an intensive workshop focused on clearly defining the overall RDC value proposition, industry pricing trends, new opportunities, risks and how to maximize RDC profitability for your organization.

The RDC value proposition, including fee income, float, balance and deposit income RDC cost components, including one-time, fixed, variable and ongoing expenses New approaches to RDC pricing that can substantially increase profitability How to calculate the complete RDC business case-for you and your customer

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BAI reserves the right to change speakers or reschedule/cancel sessions when necessary.