Hosted by

:
Onsite Program
Sponsor Directory
Exhibitor Directory
NACHA Information
CONT E NT S

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UNDERSTAND the future of payments
consoIidation and lAT
HARNESS remittance data to create
new vaIue-added services
LEARN how to position your institution
for growth during turbuIent times
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Monday 11:15 a.m. - 12:15 p.m. ! Main BaIIroom 6A-B-C
Participate in this Unique
lnteractive Session
LEAP lNTO THE
FUTURE OF
TRANSACTlON
BANKlNG
U.S. CENTRAL
BANK OF AMERICA
MERRILL LYNCH
CAPITAL ONE
COCA-COLA
ENTERPRISES
FUNDTECH
CORPORATION
Marcie Haitema
NACHA Board Chairperson &
Executive VP Correspondent
Services, U.S. Central
Cynthia Murray
Senior Vice President
Innovation & Development
Colleen Taylor
Executive Vice President
Treasury Management
Sharon Petrey
CTP Corporate
Director Treasury
Leslie Bertha, CTP
Executive Vice President
Our PaneI of lndustry Leaders
CONT E NT S

3

Table of Contents
NACHA Would Like to Thank
Our Sponsors
Regional Payments Associations
PAYMENTS 2010 Onsite Program
Chairperson’s Welcome . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Floor Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Track Descriptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Sunday Schedule Matrix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Sunday Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Monday Schedule Matrix . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Monday Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Tuesday Schedule Matrix . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
Tuesday Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Wednesday Schedule Matrix . . . . . . . . . . . . . . . . . . . . . . . . . . 40
Wednesday Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Sponsors
Sponsor Listings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
Research Partners . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
Exhibitor Directory
Exhibitors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
Exhibit Hall Hours . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
Exhibit Hall Floor Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51
Exhibitor Listings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53
NACHA Information
AAP & CTP Continuing Education Forms . . . . . . . . . . . . . 62
NACHA Membership Information
NACHA Council Membership Information
NACHA Educational Programs
The Payments Institute
Institute of International Payments
NACHA/RPA Teleseminar Series
PAYMENTS 2011
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CONT E NT S

5 CONT E NT S

Colleagues:
On behalf of NACHA ─ The Electronic Payments Association, I welcome you to
PAYMENTS 2010 and to the beautiful city of Seattle.
We gather this year in an environment that is quite different from when we came together
in 2009. Financial institutions and businesses are beginning to invest in new payments
and e-commerce solutions and educational opportunities. These crucial investments enable
industry organizations to position themselves and their employees for the future and to
better meet the needs of existing and prospective customers.
As the largest payments education conference of its type in the country, PAYMENTS 2010 is a harbinger of
renewed investment in innovation and knowledge. The robust conference program is rich with content that
provides the information and tools you need to address emerging opportunities and challenges.
Featuring a diverse selection of leading providers of innovative products and services, the exhibit hall provides
the solutions you need to conduct business electronically, both securely and efficiently. Networking opportunities
offered at the conference allow you to easily connect with peers, clients, and collaborative partners to develop
and enhance business ties.
The NACHA team of industry volunteers and staff has worked hard to deliver an educational and networking
experience of the highest quality and value. Our goal is that you obtain the knowledge and make the connections
at PAYMENTS 2010 that lead to prosperous business decisions and relationships.
Sincerely,
Marcie Haitema
EVP, Correspondent Services, U.S. Central
NACHA Board Chairperson
WELCOME
6 CONT E NT S

General Information & Special Networking Events
Admission to Events
Please wear your conference badge at all times. Individuals
without badges will not be admitted to any conference function.
Conference participants with green badge stock are not permitted
to attend educational sessions or the Tuesday Awards Luncheon.
Badges are not transferable. You must have your badge
with you to attend the Monday Night Celebration at the
Experience Music Project (EMP).
Please note: Cell phones, PDAs and pagers must be turned
off or set to vibrate during conference sessions.
Registration at the Washington State
Convention Center
Registration is located in the South Lobby, Level 4.
Sunday, April 25
11:30 a.m.-1:00 p.m.
(Workshop ONLY registration)
1:00 p.m. -6:30 p.m.
(Registration open to ALL attendees)
Monday, April 26
7:00 a.m.-5:30 p.m.
Tuesday, April 27
7:30 a.m.-5:30 p.m.
Wednesday, April 28
8:00 a.m.-10:30 a.m.
NACHA/Regional Payments Association Booth
& Payments Publications Bookstore
Stop by the NACHA and Regional Payments
Association booth and Payments Publications Bookstore booth
# 607 in the Exhibit Hall. NACHA staff and Regional Payments
Associations members answer your questions about ACH, Council
membership, NACHA Rulemaking activities, and much more.
Browse a wide variety of publications in the Bookstore. Order
online at the show and get free shipping through May 7, 2010.
Conference Proceedings on the Web & CD-ROM
PAYMENTS 2010 conference proceedings, including presenta-
tions and audio recordings, are available free to all attendees for
90 days at http://www.conferencecart.com/nacha/payments2010/.
User names and passwords needed to access the materials will be
e-mailed after the conference.
Attendees may also purchase the materials on CD-ROM at a
special discounted rate of $99. Stop by the Conference Archives
sales desk in the East Lobby, Level 6 for a demo and additional
details. Contact Conference Archives after the conference at
1-866-316-3289 or online via the above Web site.
Stay in Touch at PAYMENTS 2010!
Follow PAYMENTS 2010
on Twitter!
Follow us on Twitter at
www.twitter.com/NACHA_PAYMENTS
and be a part of the conversation at #PAYMENTS2010.
Make the Most of PAYMENTS P2P
Participate in the forums, update your daily
planner, schedule new appointments with
speakers and exhibitors, read the latest press
releases, e-mail your friends, and follow the
tweets about PAYMENTS on the PAYMENTS P2P Twitter tab!
NEW!— Enhance your Entire
Seattle Experience with
EventMobile TripBuilder
Smartphone users rejoice! New this year, you will have access to
the full conference schedule, session descriptions, handouts,
exhibit hall floor plan, local Seattle information, last-minute
conference announcements and more, all from your smartphone!
Enter nacha.tripbuilder.mobi through you browser to access the
content.
Communication is Easy with
Wireless Internet Access at the
Convention Center
Bring your laptop to PAYMENTS 2010 and take advantage of
complimentary Internet access provided in all session rooms.
Download session handouts, follow us on Twitter, log on to
the PAYMENTS P2P site, complete your session evaluations
electronically, and schedule appointments with exhibitors,
colleagues, and friends.
Submit your Session Evaluations
Electronically, in Real Time
Hosted by Meeting Metrics
Attendees, please check your e-mail each evening for the link to
the day's session evaluation forms online. This session evaluation
e-mail will come from Meeting Metrics [survey@guidestarco.com],
the vendor who is managing session evaluations. Please update
your spam filters to allow e-mails from this address. Completing
the evaluations takes just minutes and automatically enters you
into a daily drawing for a chance to win a $50 gift card. Look for
NACHA's e-mail reminders and notification of winners daily.
Winners will receive gift cards post-conference by mail.
We appreciate your input.
All PAYMENTS 2010 events will be held at the Washington State Convention Center unless otherwise noted.
Sponsored by
Sponsored by
7 CONT E NT S

General Information & Special Networking Events
April is PayItGreen
®
Month
Is your financial institution or
company looking to promote the environmental
benefits of choosing electronic payments,
statements, and bills? We have the tools for change.
It’s simple with PayItGreen. Please visit the
NACHA booth # 607 and www. payitgreen.org
for membership information.
We practice what we preach . . .
PAYMENTS 2010 continues to grow green
practices.
• NACHA has eliminated paper session handouts.
Session handouts are available online to full-
conference attendees. Download the handouts
and save them on your computer or print only
what you need and bring them with you.
• Visit the NACHA and Regional Payments
Association booth # 607 to learn what is
planned for PayItGreen and how your
organization can participate.
• The Washington State Convention Center
offers three compartment composting: recycle
and trash receptacles are located in all event
and public space throughout the building.
• The Washington State Convention Center
uses only disposable wares – plates, cups,
forks, knives and spoons are all 100 percent
compostable.
Continuing Education Credits
Up to 17.4 continuing education
credits may be earned for your
attendance at PAYMENTS 2010
sessions. Those attending any of the Sunday
Workshops are eligible for an additional 2.4
credits for each workshop attended. One renewal
credit may be earned for each 50 minutes of a
session in which you participate. Documentation
of attendance forms may be found in the
NACHA Information section in the back of
this program book.
Approved for up to 17 CTP
recertification credits(s) by
the Association for Financial professionals.
Comprehensive recertification policy information
may be found at www. afponline.org/ctp.
Documentation of attendance forms may be
found in the NACHA Information section in
the back of this program book.
Special Events
Chairperson’s Leadership Reception
Sunday, April 25
5:00 p.m. – 6:30 p.m.
The NACHA Family leadership gathers for this invitation-only event to
commemorate another year of progress in payments, sponsored by
SWACHA – The Electronic Payments Resource. Location to be
communicated via e-mail invitation.
AAP Sunday Evening Reception
Sunday, April 25
6:30 p.m. - 7:30 p.m.
All Accredited ACH Professionals are invited to this lively reception where
they will enjoy Seattle-inspired hors d’ oeuvres and cocktails while networking
with other AAPs. This event is for AAPs only and is sponsored by the Regional
Payments Associations. Location to be communicated via e-mail invitation.
Monday Lunch in the Exhibit Hall
Monday, April 26
12:15 p.m. - 1:15 p.m.
Rejeuvenate with a tasty lunch while connecting with exhibitors and peers.
Monday Night Celebration
Monday, April 26
6:30 p.m. - 8:30 p.m.
Experience Music Project (EMP) is a one-of-a-kind music museum combining
interactive and interpretive exhibits. Enjoy live music, peruse EMP’s artifacts, or
create your own music for a virtual audience. Don’t miss this landmark reception,
sponsored by Fiserv. Shuttle buses to be provided from the conference hotels.
2010 NACHA Payments System Awards Lunch
Tuesday, April 27
11:30 a.m. – 1:15 p.m.
Join us for this full-service luncheon where outstanding achievements in payments
system innovation, quality, and performance are recognized. Douglas Merrill, the
former chief information officer at Google, will provide a rare and entertaining look
into how Google fosters innovation.
Kick-off to PAYMENTS 2011
Closing Reception
Tuesday, April 27
5:30 p.m. - 7:00 p.m.
Enjoy this “Kick-Off to Austin” reception surrounded by cutting-edge technology
providers, payments service experts and organizations poised to offer the solutions
you seek. All registered attendees may attend this event.
Regional Payments Associations
Sponsored by
Sponsored by
Sponsored by
8 CONT E NT S

Washington State Convention Center Floorplans
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(6D)
Level 4
Level 6
Conference Planning
Committee
Chairperson
Laura J. Listwan, AAP, CTP
Senior Vice President, U.S. Bank
Laurie Appelbaum, AAP
Payments Association Specialist, The Clearing House
William Bley, AAP
President & CEO, Northwest Clearing House Association
Joseph S. Blount
SVP, Payment Strategies, BB&T
Fred Brothers
Managing Partner, eCom Advisors, LLC
Elizabeth A. Cronenweth, AAP, CTP
Manager, Product Line, Financial Services, Sterling Commerce
Mary Ann Francis
Solutions Consultant
Beth Anne Hastings
ACH Product Manager, J.P. Morgan
Peter C. Hohenstein, CCM
Senior Vice President, Bank of America Merrill Lynch
Christopher Huppert
SVP, Wholesale Internet & Treasury Solutions, Wells Fargo
Robert L. Johnson
Director, Industry Relations, Early Warning Services, LLC
Jason Marshall
Senior Director, Payments Services, Walmart Stores, Inc.
James McKee
SVP, Retail Payments Office, Federal Reserve System
William D. Sullivan
Senior Director, Education Program Management,
NACHA - The Electronic Payments Association
Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Charles B. Wickenden, CCM
Payments Executive
Stuart Williams
Vice President, Industry Relations, Fiserv
James C. Wills
Senior Business Manager, SWIFT
9 CONT E NT S

Conference Tracks
Automated Clearing
House (ACH) Sponsored by
This track addresses the core issues surrounding the ACH
Network and its users, encompassing traditional and
emerging applications and approaches. Sessions examine
operational issues, audit, rules compliance and
enforcement, risk management, fraud prevention, security,
authentication and authorization, best practices, trends,
and more. A full mix of topics and perspectives will
satisfy the aspiring novice and the seasoned ACH
professional alike.
Card Solutions Sponsored by
This track focuses on the trends and developments
associated with card-based solutions for payments and
payment-related business needs. Industry experts address
challenges and opportunities within the card industry from
both a business process and payment operations viewpoint.
Sessions examine business, operational, and technological
innovations from both the issuing and acquiring sides of
the credit and debit card environments.
Check Electronification Sponsored by
This track is composed of sessions dealing with the issues,
challenges, experiences, opportunities, trends and
developments associated with check electronification,
encompassing conversion and truncation methodologies,
as well as convergence issues. Subject matter includes the
conversion of a paper check to an ACH debit, the use of a
check as a source document for Internet and telephone-
initiated ACH debits, as well as truncation, imaging,
remote deposit capture, and clearing methods. This track
features case studies of application and process integration
across payment silos from financial institution and
customer perspectives.
Corporate Payments
Solutions Sponsored by
This track speaks to the payment and treasury interests
of corporate users—billers, retailers, merchants, trading
partners, etc.—businesses large and small from across
industries that are seeking to learn from their colleagues’
experiences in selecting, implementing, operating, and
evaluating solutions provided by the financial services
community. Sessions by and for corporate practitioners
analyze best practices, metrics, challenges, trends, and
practical experiences.
Global Focus Sponsored by
This track examines the latest in strategic thinking and
solutions confronting the global payments sector today
from both the corporate and financial institution
perspectives. Leading issues and major challenges are
examined by global payments experts. Sessions feature
insights and perspectives from the U.S. community and
stakeholders from around the globe, offering a truly
international vantage point on the issues that matter most.
Risk & Compliance Sponsored by
Sessions in this track examine the potential risks
surrounding all payments mechanisms along with the rules
and laws governing compliance. Emerging trends in fraud
and fraud prevention, along with thorough examinations
of laws, rules, and regulations are featured topics.
The Payments Biz Sponsored by
This track focuses on the issues that matter
most for financial institutions and non-bank providers
that are in the business of developing and offering
payment solutions—organizations that are competing for
market share, revenue, and positioning in the payments
field. Sessions explore trends, observations, opportunities,
challenges, and strategies in today’s market.
The PAYMENTS conference agenda is divided into seven tracks plus workshops. The sessions in
this brochure have track listings posted above the description – please use the following track
descriptions to direct you to the sessions which best reflect your areas of interest.
Introduction to the ACH & the
NACHA Operating Rules
602/603
Making the Payment Decision: Best Practices for
Corporate Originators
604
Card Payments 101
606
U.S. Payments Systems Primer
607
Inside the ACH File: A Walk on the Technical Side
608
Payments Risk 101 – A Risk Management Roadmap
609
Alternative Payments Primer
613/614
ACH 201
602/603
Interpreting Returns: What Originators Can Learn
from ACH Return Data
604
Introduction to the Prepaid Card
606
International Payments Primer
607
Creating a Partnership: Third-Party Senders & Banks
608
The Changing Legal & Regulatory Environment
609
Mobile Banking – Getting on Board
613/614
1:00 p.m. – 3:00 p.m. 3:30 p.m. – 5:30 p.m.
Workshops sponsored by
607
10:30 a.m. - 11:15 a.m.
Are you new to the PAYMENTS conference? Get the most out of your PAYMENTS 2010 experience with a
conference overview and hands-on assistance in understanding the construct of the program.This orientation enables
you to better select the sessions that are right for you, so you can take full advantage of all that NACHA’s annual
conference has to offer. Badges are not required for this event. There is no additional cost for this session.
ORIENTATION
“Not only do I get a lot of great information, PAYMENTS also
gives me the chance to speak with many vendors, which gives me
good ideas for modifications to our existing electronic services
offerings at the bank.”
Tony Gautney, CCM
EVP & Head of Cash Management, First Southern Bank
WORKSHOPS
WORKSHOPS — Sunday, April 25
10 CONT E NT S

WORKSHOPS — Sunday, April 25
11
U.S. Payments Systems Primer
607
1:00 p.m. - 3:00 p.m.
Workshops
This pre-conference workshop features a
high-level, generalist approach to the U.S.
payments system. Discover how the payments
system works and where it seems headed in the
future. Explore what this means for you and your
organization. Speakers start with a review of
traditional payment types (cards, check, ACH,
wires) and then move to new and emerging
payment methods. These include innovative use
of traditional payments, including check image,
ACH e-check, and prepaid and contactless cards,
as well as alternative ways to make payments via
the Internet and mobile technology. Whether
you are a payments novice or just need a
refresher on current and emerging payments,
this workshop offers high-level value. Suggested
companion workshop is International
Payments Primer.
Level: Intermediate
Susan Herbst-Murphy
Industry Specialist, Federal Reserve Bank of Philadelphia
Ken Isaacson
Vice President, Federal Reserve Bank of New York
Cheryl Venable
Senior Vice President, Federal Reserve Bank
of Minneapolis
Inside the ACH File:
A Walk on the Technical Side
608
1:00 p.m. - 3:00 p.m.
Workshops
This workshop is a must for anyone supporting
ACH services, aspiring AAPs, or individuals
desiring to bring their ACH knowledge closer to
the expert level. Learn about ACH file and data
specifications, code values, field definitions and
requirements, record layouts, and more. Speakers
take participants through an exercise of writing
an ACH file without the assistance of software
or a computer. Participants gain the technical
knowledge needed to understand the details of
an ACH file, helping their organizations to
provide better assistance to corporate customers
experiencing problems with the creation of their
ACH files. Suggested companion workshop is
ACH 201.
Level: Fundamental
Mary Kate Cole, AAP
Vice President, Upper Midwest ACH Association
Charles E. Floyd Jr., AAP
Manager, Education, Viewpointe CS &
Association Services
Workshops give you the in-depth
working knowledge you need in a
variety of electronic payments and
e-commerce related subjects.
Workshops are generally scheduled
with more fundamental aspects of
the various subjects in the first set,
followed by more advanced discus-
sions and concepts in the second
set. If you are new to certain areas of
the electronic payments industry, or
need to brush up on your skill sets
and learn the latest concepts, then
workshops are definitely designed
for you. A separate registration fee
is required for all workshops.
Introduction to the ACH & the
NACHA Operating Rules
602/603
1:00 p.m. - 3:00 p.m.
Workshops
This introduction to the ACH Network provides
a basic understanding of the transaction flow
and participant roles, responsibilities, and
relationships. ACH applications designated by
Standard Entry Class (SEC) Codes are
explained, noting consumer and corporate, credit
and debit, traditional and emerging payments.
The speakers provide resources to aid attendees
in finding answers to questions after they return
to their shops. Suggested companion workshop
is ACH 201.
Level: Fundamental
Debbie Barr, AAP, CTP
Senior Director, Network Rules, NACHA -
The Electronic Payments Association
Bradley W. Smith, AAP
CTO & VP, Operations, EastPay, Inc.
Making the Payment Decision:
Best Practices for Corporate
Originators
604
1:00 p.m. - 3:00 p.m.
Workshops
Companies have a myriad of options for
collecting payments from consumers. Speakers
in this session compare and contrast advantages
and benefits of these various applications and
explain the rules governing these choices.
Attendees receive a take-away resource to assist
in applying the information after the conference.
Corporate attendees are able to utilize the
information in making payment decisions, and
bankers can use the information as a resource in
assessing their customer’s needs. Suggested
companion workshop is Interpreting ACH
Returns: How Corporate Originators Can
Learn from ACH Return Data.
Level: Intermediate
Cynthia J. Thompson, AAP, CTP
Education & Training Director, The Payments
Authority, Inc.
Casey H. Wilcox
VP & Manager, Fundtech Corporation
Card Payments 101
606
1:00 p.m. - 3:00 p.m.
Workshops
The presenter in this workshop examines basic
concepts, models, transaction flows, and terms in
the card environment. Distinctions are made
between debit and credit instruments, signature
and PIN-based debits, commercial and consumer
applications, in-the-loop and out-of-the-loop
payment instruments, and the various card asso-
ciations and networks. The evolving business
environment is examined, encompassing emerg-
ing technologies, legal and regulatory issues, risk
management, transaction volumes and trends, as
well as the competitive environment. Financial
institution and merchant perspectives and issues
are discussed. Suggested companion workshop is
Introduction to the Prepaid Card.
Level: Fundamental
Maria Arminio
President & CEO, Avenue B Consulting, Inc.
CONT E NT S

WORKSHOPS — Sunday, April 25
12
CONT E NT S

Interpreting Returns:
What Originators Can Learn
from ACH Return Data
604
3:30 p.m. - 5:30 p.m.
Workshops
Analyzing your ACH returns and acting on
what you learn can improve your collection rate,
reduce your transaction processing costs, and
speed your company’s cash flow. In this eye-
opening workshop, presenters categorize ACH
returns by the problems that cause them.
Attendees learn to identify problems encoun-
tered at the account holder level that result in
R01 Insufficient Funds, R02 Account Closed
returns, and R03 No Account/Unable to Locate
Account returns. Speakers address common areas
of confusion regarding authorization language
provided to consumers and common transaction
initiation errors that cause R08 Payment
Stopped or R10 Customer Advises Not
Authorized returns. In the B2B space, incorrect
or insufficient information can result in ACH
blocks and filters stopping debits to recipient
accounts. Speakers discuss simple changes
Originators can make to reduce their return
rates and examine ways in which corporate
practitioners can increase their collection rate
on return re-deposits. Suggested companion
workshop is Making the Payments Decision:
Best Practices for Corporate Originators.
Level: Intermediate
Thomas Carlton Jr., AAP
VP, Strategic Business Development, FIS
Arthur Hilgert, AAP
VP, ACH Product Manager, Wells Fargo
Gary B. Nesbitt, AAP
SVP, Administration & Training, EastPay, Inc.
Payments Risk 101 – A Risk
Management Roadmap
609
1:00 p.m. - 3:00 p.m.
Workshops
This valuable workshop provides attendees with
a roadmap for establishing and maintaining a
risk management program that can be easily
understood and implemented by bankers, their
management, and credit management. It offers
a complementary approach to underwriting
focused on creditworthiness to support settle-
ment risk and customer internal controls to guard
against losses due to errors or fraud made possible
through variations in file structures, delivery
channels, and control tools and processes.
Speakers address the challenges associated with
keeping bankers trained on risks, developing a
credit policy that provides guidance for the
evaluation and management of credit and fraud
risks based on risk controls available to the
ODFI, and the importance of broad-based
participation in the daily management of files
causing exceptions. Also discussed are quantifica-
tion and qualification of exposure and the
relevance of distinguishing between maximum
potential exposure and practical risk in the
underwriting process as well as ideas for
evaluating third-party senders and, where
appropriate, their customer-Originators.
Suggested companion workshop is The Changing
Legal & Regulatory Environment or Creating
a Partnership: Third-Party Senders & Banks.
Level: Fundamental
Keith Crockett
Operations Risk Manager, Corporate Risk Management,
BBVA Compass
Dan Heller
SVP, Treasury Management Credit Supervisor,
Wells Fargo
Alternative Payments Primer
613/614
1:00 p.m. - 3:00 p.m.
Workshops
New payment channels and technologies are
being introduced at a breakneck pace. If you’re
finding it difficult to keep up with them all, this
workshop is for you. Speakers provide an
overview of the leading emerging channels for
payment initiation, such as mobile payments,
NFC/contactless payments, “decoupled,”
PIN-less, and reloadable debit cards, Revolution
Card, PayPal, Google Checkout, Amazon Flexi-
ble Payments, NACHA’s Secure Vault Payments,
and BillMeLater. And if this primer piques your
interest, speakers provide a list of concurrent
sessions that cover these emerging payments
types in greater depth to help you make the
most of your PAYMENTS 2010 experience.
Suggested companion workshop is Mobile
Banking – Getting On Board.
Level: Fundamental
Melissa Lowry
Vice President, Wells Fargo
George Peabody
Director, Emerging Technologies Advisory Service,
Mercator Advisory Group
ACH 201
602/603
3:30 p.m. - 5:30 p.m.
Workshops
This workshop builds on principles addressed
in Introduction to the ACH & the NACHA
Operating Rules. Speakers drill down into
complex concepts and explore NACHA
Operating Rules nuances in detail as they
apply to payment origination and receipt, risk
management, rules compliance and enforcement,
and exception processing. Speakers examine
operational, legal, and business aspects and
share insights into best practices. Warranties,
liabilities, and responsibilities surrounding ACH
participation receive special attention. Speakers
draw distinctions between commercial and
consumer customer considerations and address
ODFI and RDFI perspectives and the use of
third-parties. Suggested companion workshop is
Introduction to the ACH & the NACHA
Operating Rules or Inside the ACH File: A
Walk on the Technical Side.
Level: Intermediate
Kimberly W. Rector, AAP
Senior Director, Education, MACHA -
The Mid-Atlantic Payments Association
WORKSHOPS — Sunday, April 25
13
WORKSHOPS — Sunday, April 25
Mobile Banking –
Getting on Board
613/614
3:30 p.m. - 5:30 p.m.
Workshops
Many payments experts believe everyone
should jump on the mobile payments bandwagon
while there are still open seats. Do you have the
answers you need before making the jump?
Presenters in this workshop analyze topics that
directly influence the outcome of an organiza-
tion’s mobile payments strategy—mobile opera-
tor control, operator billing, and underlying
payments mechanisms. These systems have
varying capabilities and economics associated
with them. Can mobile adapt and maintain a
positive value proposition? Is mobile the freedom
trail for merchants with powerful consumer
brands to break away from dependence on
card-based systems? Suggested companion
workshop is Alternative Payments Primer.
Level: Fundamental
Devon Marsh
Senior Vice President, Wells Fargo
Christopher Peper
VP, Mobile Strategy & Operations, U.S. Bank
CONT E NT S

Introduction to the Prepaid Card
606
3:30 p.m. - 5:30 p.m.
Workshops
Speakers in this workshop examine the strategic,
business, and operational aspects of pre-paid or
Stored Value Cards from the financial institution
and distributor points of view for branded and
non-branded products. Topics covered include
types of pre-paid offerings such as gift cards and
payroll cards, open loop versus closed loop, how
cards operate, risks associated with card issuance
and acceptance, unique characteristics of pre-
paid cards versus “standard” debit cards, and key
legal and regulatory issues associated with these
products. What is the future of prepaid cards, and
how will payroll, healthcare, and government
benefit usage in the future. Suggested companion
workshop is Card Payments 101.
Level: Fundamental
Janet C. Guthrie
Vice President, MasterCard Worldwide
Kristen Trusko
President & Executive Director, NBPCA
International Payments Primer
607
3:30 p.m. - 5:30 p.m.
Workshops
This workshop offers a concise and
comprehensive crash course on global payments.
Concepts covered include payment method
alternatives, risk management, foreign exchange,
message standards, emerging payment types,
regional updates, Islamic banking, and regulatory
issues. Speakers explain key terms, players, and
industry developments. Whether you work for a
company with international disbursement and/
or collection needs or a financial institution
addressing the global payment needs of its
customers, this workshop gives you a solid
understanding of global payments and what
they mean to your organization. Suggested
companion workshop
is U.S. Payments Systems Primer.
Level: Fundamental
Jane Hennessy
Executive Vice President, Wells Fargo
Alan Koenigsberg
Managing Director, J.P. Morgan
Creating a Partnership:
Third-Party Senders & Banks
608
3:30 p.m. - 5:30 p.m.
Workshops
Third-party senders and financial institutions,
when working together to develop a strong ACH
origination strategy and processing profile built
on sound operating controls, provide the ACH
Network with high quality transactions that
deliver significant value to both originators and
receivers. Speakers explore the working relation-
ship between third-party senders and financial
institutions and examine a high-level case study
that highlights an ACH implementation strategy
and tactical activities leveraged on an ongoing
basis to manage quality. Suggested companion
workshop is Payments Risk 101 – A Risk
Management Roadmap.
Level: Intermediate
Joseph T. Belczyk
VP, ACH & EC Operations, PNC Bank
Kerry Sellen, AAP
VP, Electronic Payment Processing,
TeleCheck Services, Inc.
The Changing Legal &
Regulatory Environment
609
3:30 p.m. - 5:30 p.m.
Workshops
How far is the law lagging behind technology in
the brave new world of payments convergence?
It is time to change the law or regulations that
apply to processing checks (Uniform Commer-
cial Code and Regulation CC) or electronic
payments (The Electronic Funds Transfer Act
and Reg E)? The rules for paper checks converted
to image or ACH items differ for processing,
returns, and adjustments. Should the law
acknowledge “payments convergence” and
develop a unified legal approach? What would
that look like, and what would it mean for the
industry? Come to this session and learn where
the industry is going, what are the possible
outcomes, and when we might arrive.
Suggested companion workshop is Payments
Risk 101 – A Risk Management Roadmap.
Level: Intermediate
Duncan Douglass
Partner, Alston & Bird, LLP
Jeanette Hait Blanco
Senior Counsel, Bank of America
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Monday, April 26
15
Continental Breakfast
East Lobby, 6th Floor
7:00 a.m. - 8:00 a.m.
Payment Systems Architecture in a
Complex Business Environment
602/603
8:00 a.m. - 9:00 a.m.
Corporate Payments Solutions
The complexities of today’s business environ-
ment demand greater flexibility, scalability, and
real-time visibility into cash transactions and
balances. For many organizations, the limitations
of existing payments architecture make it
increasingly difficult for payment processes to
support strategic business objectives. As a result,
cash management decisions grow more difficult
to make. Within this scenario, Web-based
enterprise payments factories have quickly
emerged as a cornerstone for next-generation
payments systems. Providing a single platform
for origination and reporting, payments factories
allow organizations to move away from disparate
systems in favor of an approach that supports
a convergence of activities, efficiencies of
automation, better decision making, and lower
maintenance costs. This case study explores
PMA’s recent use of a payments factory to
streamline its claims payment processes and
provide attendees with insight into their efforts
to convey the business value of a payments
factory to other organizational stakeholders;
identifies the key solution functionality required
to meet today’s specific business needs, while
offering the scalability to address tomorrow’s
growth and challenges; and discusses best
practices for instituting new processes (i.e. bulk
payments) ideally suited to needs based on the
flexibility gained through a payments factory
approach.
Level: Intermediate
Vincent Bahl
VP, Payments Systems Engineering, Bottomline
Technologies, Inc.
Vito Nigro, CPA, CIA, CTP
VP & Treasurer, PMA Capital Corporation
How Prepaid Cards Can
Complement Existing Payment
Solutions
604
8:00 a.m. - 9:00 a.m.
Card Solutions
Given the current economic and financial
environment, companies are looking for ways to
reduce costs and increase efficiencies to improve
their bottom lines and increase their competitive
edge. Many companies have chosen to imple-
ment corporate cards, purchasing cards, and busi-
ness debit cards to reduce costs and inefficiencies
from day-to-day business processes. But what
about the business functions still utilizing cash or
checks for company payments that traditional
credit or debit products cannot address? Prepaid
cards can eliminate checks and cash in areas
including payroll, incentives, travel advances,
and more. This provides an opportunity for
financial institutions to add new products to
their portfolios to meet customer needs and gen-
erate a new, low-risk revenue stream. Learn how
commercial prepaid card products can comple-
ment your existing payment solutions. Discover
how to further drive down the cost of day-to-day
business processes and increase efficiencies.
Level: Intermediate
Elisa Corridore
VP, Global Commercial Prepaid Product,
MasterCard Worldwide
Darin Horrocks
Director, Corporate Payment Services, Comdata
Becky Phipps
VP, North America Sales, Cards & Mobile,
Travelex Currency Services
Settlement Processes:
A Look at the European
Payments Integration
606
8:00 a.m. - 9:00 a.m.
Global Focus
European policy makers devoted great effort to
the establishment of a common payment and
securities settlement infrastructure in Europe.
The introduction of the Euro led to the creation
of TARGET2, Single Euro Payments Area
(SEPA), Target 2 for Securities (T2S) and the
Payment Services Directive (PSD) in 27 Member
States in November 2009. Has the goal of greater
efficiency been realized? What impacts have
these initiatives had on U.S. corporations and
banks? Speakers evaluate the goals of SEPA and
achievements so far and look at what is next.
Level: Intermediate
Cristina Pintado
VP, Global Cash Management Americas,
BBVA New York
James Wills
Senior Business Manager Banking Initiatives, SWIFT
Establishing Criteria for Healthcare
Payment Partners
607
8:00 a.m. - 9:00 a.m.
The Payments Biz
Medical billing companies face multiple payments
challenges - the inefficiencies of paper check
payments, managing credit/debit card payments,
staffing for phone payments, and establishing
recurring payments for patients who pay off large
balances over time. An ideal payment partner
would provide a full array of payment processing
options for clients, including credit/debit cards,
online, phone, paper checks, and ACH payments,
as well as the ability to deposit funds collected
directly into the physicians’ bank accounts without
changing banking relationships for the billing
company, physicians, or clients. Attendees learn
how to establish criteria for payment partners,
select payment solutions, and hear an in-depth
discussion on 10 benefits that can result from
implementing the ideal solution.
Level: Fundamental
Jeff Whiting
President & CEO, Alta Medical Management
William Wong, CCM
EVP Merchant Solutions, NetDeposit
Risk Through the Eyes of a
BSA Officer
608
8:00 a.m. - 9:00 a.m.
Risk & Compliance
What types of BSA risks exist and how do
institutions deal with those risks? Speakers
explore risk mitigation from the perspective of
the BSA profession and discuss the experiences
of institutions with significant international
ACH activity. Learn how they manage the
BSA/AML risks of these transactions. Did we
learn from IAT, and how will lessons learned
affect other applications, including RDC?
Level: Intermediate
Rebecca Conner
Vice President, Texas Capital Bank
Lyn Farrell
Managing Director, Risk Mgmt Services,
Sheshunoff Consulting + Solutions
CONT E NT S

Sponsored by
Monday, April 26
Web 2.0 & The Emergence of
Social Payments
609
8:00 a.m. - 9:00 a.m.
The Payments Biz
Social e-commerce and virtual currencies are
the new frontier of payments. Person-to-person
transfers, charity donations, and micropayments
for virtual goods are exploding within social
networks. In this session, Glenbrook provides an
overview of social networks: their reach, who
participates, how consumers and businesses
interact online, and the increasingly influential
role the social Web plays in guiding purchase
decisions, both online and off. Speakers demon-
strate how payments within Facebook, MySpace,
and Twitter work today and outline probable
future social payment scenarios. Finally, speakers
examine the social payment business model:
who’s profiting from this emerging payment
domain? Presenters explain social shopping,
affiliate networks, the importance of developer
networks, APIs and widgets, and transactional
advertising and examine how established leaders
in e-commerce like PayPal, Amazon, Apple, and
Google are enabling social payments. Speakers
identify the niche social and micropayment
players, including PlaySpan, Jambool, Boku,
Zong, Zoura and more.
Level: Advanced
Russ Jones
Partner, Glenbrook Partners
Erin McCune
Partner, Glenbrook Partners
The Payment Business & ACH from
a Community Bank’s Perspective
611
8:00 a.m. - 9:00 a.m.
Automated Clearing House
As the financial landscape continues to change
and stabilize, financial institutions will never be
the same. Speakers in this session examine how
one community bank took payment business and
operation, as well as ACH, and leveraged that
commoditized business to gain market share
and deposit growth. What challenges did they
face internally, and how were they overcome?
What steps did they take to implement this
new approach, how long did it take to arrive
at the goal, and what were the results?
Level: Fundamental
Jeffrey D. Foote, CTP
EVP, Commercial Banking, Broadway National Bank
Casey H. Wilcox
VP & Manager, Fundtech Corporation
A Walk Through the Global
Traveler’s Wallet – A Global
Perspective on Cards
612
8:00 a.m. - 9:00 a.m.
Global Focus
Speakers in this session explore the global
traveler’s wallet. Explore the changes in
commercial and pre-paid programs around the
globe including changes with the advent of
CHIP/PIN, contactless, and the business benefits
of using cards for procurement online. Under-
stand how these innovations in payment schemes
affect companies and consumers. Are there
incentives to use one or the other, and how do
global economic experts rate each method?
Speakers review the key industries and geogra-
phies for prepaid/ commercial cards with a focus
on the lucrative yet fragmented European market
as well as the online space. How can banking
institutions successfully enter these markets?
Speakers also explore the changing regulatory
landscape and highlight upcoming changes in
the Canadian market.
Level: Intermediate
Alan Koenigsberg
Managing Director, J.P. Morgan
William Lorenz
Banking & Compliance Director, EntroPay
Jacqueline D. Shinfield
Partner, Blake, Cassels & Graydon LLP
e-Payments – The New Bill
Payment
613/614
8:00 a.m. - 9:00 a.m.
The Payments Biz
Payments have moved from the traditional paper
bill payments to a new model-managing elec-
tronic payments to companies, individuals, and
self using a concise, single model. This session
focuses on methods that financial intuitions can
employ to help centralize money movement to
the online and mobile channels. From account
transfers and P2P transactions to bill payment,
overnight checks, and pre-paid card top-offs,
consumers are looking for fast and convenient
methods to facilitate the movement of money.
By taking a fresh approach to the online and
mobile channels and by working with alternative
solution providers like PayPal, FIs can begin to
make this centralized money movement portal a
reality. The opening up of PayPal’s API’s presents
FIs with a new and exciting oppor tunity to
further strengthen the relationship with their
customers by offering them access to the P2P
and alternative payment space from their trusted
banking relationship. Learn how FIs can move
to a centralized money movement portal, the
implications of doing so from the online and
mobile perspectives, how consumers and FIs benefit
from this concept, what the opening up of the
PayPal’s API’s network means to financial
institutions, and how PayPal can help to
strengthen the FI-consumer relationship.
Level: Fundamental
Eric Jamison
Product Manager, FIS
Dan Schatt
Head of Financial Innovations, PayPal, Inc.
EBIDS is Ready for Its Close-up:
Putting Online Presentment &
Payment to Work for Your Business
616/617
8:00 a.m. - 9:00 a.m.
Automated Clearing House
As consumers increasingly adopt online banking
practices, businesses face new opportunities to cash
in on this electronic trend. Speakers examine the
NACHA Electronic Billing and Information
Delivery Service (EBIDS) initiative, and how this
solution makes it easier and safer for consumers to
receive and pay bills through their online banking
accounts. Speakers review the complete on-boarding
process, including the specific roles and responsibili-
ties of the retail bank, the biller, and the customer.
Presenters also outline the implementation process
and how businesses can utilize current linkages with
banks and other providers. As EBIDS rapidly reaches
a tipping point for success, billers should take
advantage of opportunities to increase customer
adoption of e-billing. In addition, speakers enumerate
the business benefits of EBIDS, such as payment
posting with credit payments and guaranteed
remittance, elimination of exception payments,
and ways in which to better serve customers in the
growing online banking channel.
Level: Intermediate
Steven E. Bernstein
Executive Director, J.P. Morgan
Angeline DePauw
Director, Electronic Remittance, Verizon Communications
Christopher Huppert
SVP, Wholesale Internet & Treasury Solutions,
Wells Fargo
Rob Unger, AAP
Senior Director, Network Services, NACHA -
The Electronic Payments Association
16
CONT E NT S

Monday, April 26
17
CONT E NT S

Payroll Innovation to Benefit
Employees & the Environment
618-620
8:00 a.m. - 9:00 a.m.
Card Solutions
In 2009 the nation’s largest employer migrated
hundreds of thousands of employees from paper
checks to electronic pay. In this session, the
speakers will review some of the challenges
retailers face in the traditional distribution of
payroll. The speakers will discuss how the
electronic pay initiative is consistent with
Walmart’s sustainability goals, and how
Walmart and its partners collaborated to
provide a comprehensive and innovative
solution required by a diverse workforce of
1.4 million U.S. employees.
Level: Advanced
Stav Gil
Vice President, First Data Prepaid
Ron Hynes
SVP, Global Prepaid Solutions, MasterCard Worldwide
Jason Marshall
Senior Director, Payment Services, Walmart Stores, Inc.
Diana McChristian
Director, Payroll, Walmart Stores, Inc.
Opening General Session:
Immediacy & Transparency
in Payments
Sponsored by
Ballroom 6ABC
9:15 a.m. - 10:15 a.m.
General Interest Sessions
Necessity (or frustration) is the mother of
invention. Jim McKelvey could not sell a piece
of his handcrafted glass artwork because he was
unable to accept the customer’s preferred
payment choice. That lost transaction resulted in
Square— the smart phone terminal that allows
anyone to accept payments. Square seeks to bring
the same characteristics to payments that attracts
so many to Twitter—immediacy, transparency,
and approachability. Twitter has already changed
the way millions of people communicate.
Will Square change the way millions of
businesses and consumers accept payments?
Join us as Jim McKelvey, Square’s chairman, and
Jack Dorsey, creator, co-founder and chairman of
Twitter and CEO of Square, respond to a panel
of payments industry experts and their toughest
questions. Participate in this interactive session
as Jack and Jim respond to real-time tweets
during the last ten minutes of the session.
Janet O. Estep
President & CEO, NACHA –
The Electronic Payments Association
Panelists:
Steve M. Ellis
Executive Vice President, Wells Fargo
Will Wade
Technology Editor, American Banker
James Wallis
Vice President, Global Payments Industry, IBM
Jack Dorsey
Creator, Co-founder &
Chairman of Twitter,
CEO of Square, Inc.
Jim McKelvey
Chairman, Square, Inc.
Refreshment Break in the
Exhibit Hall – Grand Opening
Exhibit Hall 4AB
10:15 a.m. - 11:15 a.m.
Doing More with Less:
A/P Automation at Columbia
Sportswear
602/603
11:15 a.m. - 12:15 p.m.
Corporate Payments Solutions
How does a billion-dollar apparel company
automate all processes from purchase order
delivery through payment on a single platform to
remove paper, inefficiency, and manual tasks?
Columbia found that once it automated these
processes, they could leverage many innovative
financial supply chain programs. Columbia
Sportswear and its strategic partner, TradeCard,
deliver a fascinating case study on Columbia’s
approach to financial supply chain automation
and the benefits that grew from this project.
Level: Intermediate
John Bailey
Director of Finance, Columbia Sportswear
Kurt Cavano
Chairman & CEO, TradeCard, Inc.
The Change from Paper to
Electronic: Why the Delay?
Let’s Pick up the Pace
604
11:15 a.m. - 12:15 p.m.
Check Electronification
Convincing your clients to switch from paper to
electronic can be difficult. While the business of
electronic payments is nothing new, adoption
across channels continues to be a challenge.
Certain segments are quick to adopt, while
others lag behind. Speakers in this session
explore the conundrum at the consumer and
corporate level, as well as the community and
mid-sized FI level. Is adoption decelerating due
to perceived regulatory concerns and perceived
risk and float, or simply a lack of understanding
among FIs and therefore their clients? Speakers
help dispel the misconceptions around moving to
an electronic payment operation, collection, and
disbursement channel while explaining the real
risks and regulatory issues.
Level: Intermediate
Al Griffin
Director, Cash Management, Fundtech Corporation
Sandra R. Jensen, AAP
AVP, Commercial Banking Services, Empire Bank
Wendy Wishon, AAP
Vice President, EPCOR
Third-Party Risk: Keeping You &
Your Bank Out of Trouble
606
11:15 a.m. - 12:15 p.m.
Risk & Compliance
Speakers examine third-party risk in the ACH
Network through a series of real-world case
studies from NACHA’s Risk Management
Advisory Group (RMAG). For each case study,
speakers examine what went wrong and why and
more importantly, what they missed during new
customer implementation, ongoing operations,
or the period when banks were trying to close
down their third-party processors. Attendees
learn what to look for in their own client base
and when prospective clients approach and
leave with a list of best practices they can
immediately implement.
Level: Intermediate
Jeanette A. Fox, AAP
Senior Director, Risk Investigations & Services,
NACHA - The Electronic Payments Association
Peter Hohenstein, CCM
Senior Vice President, Bank of America Merrill Lynch
P2P Payments: A Lucrative &
Untapped Market Opportunity
for Banks
607
11:15 a.m. - 12:15 p.m.
The Payments Biz
P2P payments have experienced significant
growth since the launch of PayPal in 1999 and
represent approximately 35 billion transactions
per year. The service offers significant advantages
for banks, including the ability to generate new
transaction-based revenue, attract new cus-
tomers, and increase loyalty. Session attendees
learn best practices for a P2P payments service
along with key success factors for implementing
an integrated mobile and online P2P service.
Level: Intermediate
Jason Hills
General Manager, Major Financial Institutions,
CashEdge
Jaylene Tsukayama
VP & Manager, Home Banking Department,
First Hawaiian Bank
Remote Mobile Payments for
Banks: Keys to a Successful Rollout
608
11:15 a.m. - 12:15 p.m.
The Payments Biz
Speakers in this session explore the remote mobile
payments market and the important decisions that
will place financial institutions on the path to
mobile commerce profitability. Presenters identify
opportunities for financial institutions, mobile
operators, and technology providers to address the
challenges of interoperability and collaboration in
order to realize market potential. Presenters con-
trast different characteristics of remote mobile pay-
ment models, such as bank-centric or telco-centric;
stored value or direct tie to bank account; central-
ized or decentralized; trusted service providers or
carriers; and SMS, WAP, or downloadable client
options. Industry leaders discuss the magnitude of
the opportunity, the speed at which the market is
maturing, the transition from mobile banking to
mobile payments, and whether a particular service
model is emerging as the optimum choice.
Level: Intermediate
Rusty Carpenter
General Manager, U.S., CPNI, Inc.
Carl Morath
Global Head of Banking, Sun Microsystems, Inc.
Payment Card Industry Data
Security Standard: Why Comply?
609
11:15 a.m. - 12:15 p.m.
Card Solutions
Every merchant’s worst nightmare is a lead story on
the news about cardholders’ information being
stolen from their company. That’s why Payment
Card Industry (PCI) data security compliance is a
hot topic. It’s also a challenge. Passing an annual
PCI audit doesn’t guarantee compliance next week
or next month. Yet these security rules may be the
best defense for keeping cardholder information
safe from thieves and hackers. In this session,
industry experts cite real examples of recent
breaches and share how non-compliance can nega-
tively impact your business and brand. Hear how
industry, regulatory, and legislative organizations
react to major compromises. Determine what level
of PCI certification is applicable for your company.
Level: Intermediate
Robert J. McCullen
Chairman & CEO, Trustwave
Debra Rossi
Executive Vice President, Wells Fargo
Bob Russo
General, PCI Security Standards Council, LLC
Replacing Cash & Checks with P2P
Money Movement
613/614
11:15 a.m. - 12:15 p.m.
The Payments Biz
What is the state of consumer demand for P2P
payment services offered via the bill payment
services of financial institutions? To find out,
NACHA partnered with FIS, PayPal and eCom
Advisors to field primary research completed by
nearly 1,200 consumers in February 2010. The
research reveals there is substantial opportunity
for FI's to offer P2P payment services to replace a
range of cash and check exchanges that take
place between individuals, including interna-
tional remittances. Consumers see significant
value in conducting P2P transactions using their
computers, and even more so, their mobile
devices. This presentation of this never-before-
seen research at PAYMENTS includes:
Consumer awareness and preferences for P2P
payments; the critical role mobile technologies
play in driving adoption and utilization; con-
sumer perceptions of financial institutions as
one-stop-shops of ePayment solutions; and how
to leverage this information to successfully
introduce P2P payments within your institution.
Level: Intermediate
Paul McAdam
Partner, eCom Advisors
International Cash & Card
Management – A Survival Guide
to the Global Payments Landscape
612
11:15 a.m. - 12:15 p.m.
Global Focus
Speakers in this session explore vast regions of
diversity in the payments industry and dive deep
into the basics of cash management, cards, trade
finance, and foreign exchange in the interna-
tional arena. Whether you are a payments novice
or expert, ample opportunities exist to hear and
discuss payment innovations, regulatory changes,
and developments in the industry, as well as
evolution of e-payments, e-invoicing, and
e-procurement. Attendees leave with a healthy
regimen of payments industry basics.
Level: Intermediate
Jane Hennessy
Executive Vice President, Wells Fargo
Alan Koenigsberg
Managing Director, J.P. Morgan
Monday, April 26
18
CONT E NT S

Monday, April 26
19
CONT E NT S

Going Paperless: Making the
Switch to 100 Percent Electronic
Receivables
611
11:15 a.m. - 12:15 p.m.
Corporate Payments Solutions
Under growing pressure to improve process
efficiency, treasury is increasingly turning to
electronic receipt of payments to achieve critical
cash management goals. AT&T and Western
Union share their best practices in creating an
infrastructure capable of consolidating payments
from consumers, vendors, and government
entities and handling entirely electronic sources
for payments made via nearly every interface,
including online banking, Web portals, tele-
phone and mobile devices. Presenters outline
their migration processes, format and billing
options, and implementation techniques.
Speakers share how they worked closely with
their banking partners to achieve results. In
addition, they explore how security, (P2P)
payments, same-day settlement, and guaranteed
payment processes factor into the decision to
adopt electronic receive of payments.
Level: Intermediate
Steven E. Bernstein
Executive Director, J.P. Morgan
Steve Kramer
Vice President, Western Union
Sandra L. Runyon, AAP, CCM
Senior Business Manager,Treasury Operations, AT&T
Building a Real International
ACH – Legal & Compliance
Challenges
616/617
11:15 a.m. - 12:15 p.m.
Automated Clearing House
The successful implementation of the
International ACH Transaction (IAT) in
September 2009 does not negate the fact that
countless legal and compliance challenges
surrounding the creation of the International
Payments Framework (IPF), with its mission of
further improving non-urgent, cross-border
payments remain. What will IPF do in global
terms, and what does this mean for ACH-partici-
pating banks? The Federal Reserve and IPF legal
counsel examine the goals, strategies, and future
of the IPF, along with the unique opportunities
that SEPA’s adoption of a single format for
cross-border payments within Europe and the
IAT in the States provides to banks in the U.S.
Can these initiatives link the rest of the world?
What does the effort to globalize mean to the
international payments landscape? Learn what
challenges face the IPF: what it takes to
bridge different transaction formats, rules and
currencies; create a common legal framework for
often competing business cases; and comply with
the legal and regulatory requirements of many
different countries. Attendees gain a better
appreciation for the promise of the IPF and for
the challenges faced as the industry works to
further improve non-urgent, cross-border
payments.
Level: Advanced
Richard M. Fraher
Assistant General Counsel, Federal Reserve Bank
of Atlanta
Hope Schall
Associate, Vedder Price
Fundtech’s PaymentsLIVE! -
Thought Leadership Spotlight
Ballroom 6ABC
11:15 a.m. - 12:15 p.m.
The Payments Biz
Is there any doubt that banking will experience
significant change as a result of the financial
crisis? Our panel of distinguished bankers and
corporate thought leaders share their perspectives
on key trends and provide suggestions on how to
position your institution for growth in these
turbulent times. This session features a live
video webcast to a global audience with
audience questions submitted via Twitter.
Level: Advanced
Leslie Bertha, CCM
EVP, Global Sales & Relationship Mgmt., Fundtech
Corporation
Marcie Haitema
EVP, Correspondent Services, U.S. Central
Cynthia Murray
SVP, Innovation & Development Executive, Bank of
America Merrill Lynch
Sharon Petrey, CTP
Corporate Director Treasury, Coca-Cola Enterprises, Inc.
Colleen Taylor
EVP, Treasury Management, Capital One
Moderator: George Ravich
EVP & Chief Marketing Officer, Fundtech Corporation
Lunch in Exhibit Hall
Exhibit Hall 4AB
12:15 p.m.-1:15 p.m.
Debugging Electronic Payments
602/603
1:30 p.m. - 2:30 p.m.
Corporate Payments Solutions
Everyone advocates the move from paper
payments to ACH and names the reasons why:
greater efficiency, lower costs, shorter float,
greenness, the opportunity to automate process-
ing and reconciliation. But no one talks about
the exceptions, the notifications of change
(NOCs), the data adaptations, the possible
NACHA rules violations and accompanying
fines, or the complexity of signing on and setting
up vendors for electronic payments. These bugs
can derail your paper to electronic migration.
Corporate practitioners discuss the issues they
encountered in moving away from pap er and
share best practices on how you can debug your
electronic payments and processes as they did
theirs. Attendees learn pitfalls to avoid in
moving customers and vendors to electronic
payments, best practices for signing on and
setting up vendors to receive ACH payments,
and keys to success in accepting ACH payments
from customers.
Level: Advanced
Rue Jenkins
Assistant Treasurer, Costco Wholesale Corporation
Keith K. Theisen, AAP
EVP, Director of Product Management, Wells Fargo
Business Continuity –
Are You Ready for Anything?
604
1:30 p.m. - 2:30 p.m.
Risk & Compliance
Does your business continuity plan need
retooling? Effective business continuity planning
is about being ready when, not if, disaster strikes.
Speakers focus on natural disasters of 2009,
including the upper Midwest floods and the
tornado outbreak that impacted portions of
Texas and other parts of the country. Topics
include the general activities of local banks,
payments systems, and businesses in the after-
math of these disasters as they worked through
the recovery process in their attempt to return to
normal activity.
Level: Fundamental
Nell Campbell-Drake
Assistant Vice President, Federal Reserve Bank
of Atlanta
Deborah A. Koller
Assistant Vice President, Federal Reserve Bank
of Minneapolis
James Poteet
VP, Product Management & Development, Brinks
NACHA’s Risk Management
Strategy Update
606
1:30 p.m. - 2:30 p.m.
Risk & Compliance
NACHA’s Risk Management Advisory Group
(RMAG) identifies sources of risk in the ACH
Network and develops efficient, targeted
approaches to risk mitigation. Taking into con-
sideration increased ACH volume, more com-
plex applications, and a higher propensity for
fraud across all payments channels, the ACH
Network requires a comprehensive, integrated
risk management strategy. Speakers review what’s
on the horizon for RMAG and the risk environ-
ment and discuss critical initiatives designed to
ensure high-quality ACH transactions and
reduce risk for all Network participants.
Level: Advanced
Keith Crockett
Operations Risk Manager, Corporate Risk Management,
BBVA Compass
Chrystina M. Giorgio, AAP
SVP, Operations, Sandy Spring Bank
Who Moved My Business Model?
607
1:30 p.m. - 2:30 p.m.
The Payments Biz
For years, U.S. banks have led with “everything
is free!” while generating huge non-interest fees
from punitive exception fees on payments and
deposit accounts. In most financial institutions,
these fees account for 50-70 percent of fee
income. Impending federal regulation will
change this paradigm sooner than most bankers
expect. The implementation of federal NSF/OD
reform regulation, like recent changes in credit
cards, is almost certain. Although banks and
credit unions proactively manage interest rates,
pricing science for non-interest fees is decades
behind most other industries. In this strategic,
forward-looking session, an eCom Advisor
explores pending NSF/OD reform, identifies
high-potential opportunities, offers perspectives
on the effects of real-time processing, and dis-
cusses customer segmentation and pricing models
that will help attendees better prepare for when
this imminent shift becomes reality.
Level: Intermediate
Fred Brothers
Managing Partner, eCom Advisors
Evolving Trends in Card-Based
Fraud & Global Best Practices
608
1:30 p.m. - 2:30 p.m.
Card Solutions
The speaker in this session presents an overview
of evolving trends in global card-based payments
fraud and case studies of best practices across
numerous countries. Topics include a brief back-
ground on the evolution of card-based payments
fraud over the past three decades and current
examples of the sophisticated nature of global
card-based payments fraud. A holistic methodol-
ogy to calculate the “true cost” of card-based
payments fraud and an approach to calculating
the impact of fraud across a variety of stakehold-
ers in the payments value chain along with sup-
porting proprietary data provide insight into the
current levels of fraud in varying sectors. Also
discussed are the impact of Chip & PIN-based
authentication worldwide on U.S. fraud levels
and the CHIP/PIN experience in Canada.
Finally, the speaker presents a series of case
studies that outline assorted approaches taken by
various countries to combat fraud and the levels
of success they experienced.
Level: Intermediate
David Poe
Director, Edgar, Dunn & Company
Payments Opportunities for
Community Banks
609
1:30 p.m. - 2:30 p.m.
The Payments Biz
Community businesses often lack sufficient pay-
ment volume to invest in payments technology,
which provides community banks with opportu-
nities to offer wire transfer as an efficient mecha-
nism for B2B and other payments. By the end of
2010, Fedwire, the wire transfer system operated
by the Federal Reserve Banks, will provide an
information-rich payments message format—
Customer Transfer Plus (CTP)—that community
banks can leverage to offer customized services
to their clients. Speakers focus on the features
and business opportunities CTP creates for
community banks, as well as what the Fed,
service providers, and a bank are doing to
prepare. Topics include testing opportunities,
possible channels to pass new information, and
benefits and costs associated with offering the
new format.
Level: Intermediate
Robert Bucco
Vice President, Federal Reserve Bank of Philadelphia
Cary Whaley, III, AAP
Director, Payments & Technology Policy, Independent
Community Bankers of America
Monday, April 26
20
CONT E NT S

Monday, April 26
21
CONT E NT S

Mobile Money: How to Make
Money Moving from Mobile
Banking to Mobile Payments
616/617
1:30 p.m. - 2:30 p.m.
The Payments Biz
Mobile payments for in-store purchases are no
longer far-fetched. Yet, there’s little agreement
on how to make it a reality, much less profit from
it. Based on a new Javelin report, this session
delineates the primary paths to replacing
consumer wallets and purses with mobile phones.
How must banks, networks, telcos, handset
makers, merchant providers, and other software
vendors work together? What technologies might
work, and what are the major tradeoffs for each?
How will mobile and Internet apps, such as
online banking, mobile alerts, transaction
controls, authentication, or even personal
finance management, figure into the transition
from hidebound to mobile wallets. Rather than
bank solely on costly M-payments investments
models that rely on a high-risk/high-return payoff
model, what profit-as-you-go options should
industry leaders evaluate? This presentation
distills quantitative research from thousands of
U.S. consumers and industry interviews to
present specific options for setting budgets and
moving forward.
Level: Intermediate
Beth Robertson, CCM
Managing Director, Javelin Strategy & Research
James Van Dyke
President & Founder, Javelin Strategy & Research
Recent Developments in Electronic
Payments Law
618-620
1:30 p.m. - 2:30 p.m.
Automated Clearing House
Presenters in this session discuss legal issues
raised by current innovations in electronic
payments law, including recent amendments to
the NACHA Operating Rules. Speakers also
explore the state of efforts to promote “regulatory
reform” and likely impacts on the ACH system
from changes in Federal and state oversight at
both the ACH Operator and institution levels.
Level: Advanced
Jane Larimer
EVP, ACH Network Administration, General Counsel,
NACHA - The Electronic Payments Association
Jane K. Winn
Professor of Law, University of Washington
Maximizing Return on RDC at
Every Point of Contact
613/614
1:30 p.m. - 2:30 p.m.
Check Electronification
To optimize the organizational benefits of
Remote Deposit Capture requires analysis of
activity at every potential point of transaction
capture. Modeling the mixed array of capture
technologies employed at central sites, hubs &
spokes, branches (including back-counter vs.
teller capture), ATM, customers and lockbox,
will enable your institution to pinpoint the most
profitable RDC deployment modes. But this type
of review isn’t a one time event. Maximizing
RDC profitability is an ongoing process as
branch coverage, configuration, interest rates
and customer requirements evolve. To ensure
RDC profitability, the models must be rerun
periodically to identify elements that require
updating to create the most profitable mix.
Speakers in this session highlight the key
components that must be included in RDC
profitability modeling and explore RDC
techniques that reduce expense while growing
deposits and revenue.
Level: Intermediate
Taylor Adkins
Director, IT, American Bank of Texas
Gary Brand
Director, Source Capture Optimization, Fiserv
Taking the Sting Out of ACH
Dispute Management
611
1:30 p.m. - 2:30 p.m.
Automated Clearing House
Regulatory concerns and cost pressures have put
greater emphasis on ACH transaction dispute
management. In this case study, PNC Bank
details how it centralized its ACH data archive
to expedite transaction dispute management.
Speakers highlight market trends and regulatory
factors when managing ACH disputes, PNC
Bank’s situation and challenges before imple-
menting a centralized ACH archive, the process
it went through to evaluate available solutions
and build a business case for the initiative, the
impact of the archive on both customers and
internal procedures, and lessons learned.
Level: Advanced
Duane Fahrion
AVP, Production Engineer, PNC Bank
Gary Provo
Executive Vice President, eGistics, Inc.
Back-End Payments & the
Healthcare Industry
612
1:30 p.m. - 2:30 p.m.
The Payments Biz
The challenge of transitioning today’s healthcare
system from costly paper-based processes to a
more efficient and secure electronic environment
is evident in the marketplace. Back-end pay-
ments are proving to be extremely important to
the healthcare industry with the adoption of
consumer-driven healthcare increasing with no
end in sight. This session explores the increasing
need to generate cost savings through opera-
tional efficiencies and streamlined processes
while taking a comprehensive look at current
back-end outsourcing solutions currently
available to the medical banking industry.
Level: Intermediate
Diana Lisi
Director, Provider eSolutions, United Health Care
Corporation
Barbara Mayerick
Director, Business Development, U.S. Department of
Veterans Affairs
Jeffrey W. Troutman
Executive Vice President, PNC Bank
Monday, April 26
22
CONT E NT S

How Coca-Cola Enterprises is
Quenching the Thirst for Alternate
B2B Payment Solutions
602/603
4:30 p.m. - 5:30 p.m.
Corporate Payments Solutions
Enter the arcane world of B2B cash payments.
Most direct-store-delivery (DSD) companies col-
lect COD payment from a subset of their cus-
tomers, typically small retailers and independent
grocers. DSD route drivers literally collect billions
of dollars in currency, coins, and checks, which
must be counted, reconciled, locally deposited,
and centrally applied to open A/R balances.
Coca-Cola Enterprises is in the midst of piloting
“cashless delivery” alternatives for its 250,000
retail customer locations that currently pay by
COD. Learn from Glenbrook and Coca-Cola
Enterprises how novel applications of consumer
bill payment solutions and receivables products
have the potential to completely eliminate
payment at the time of delivery, increase route
efficiency, improve employee safety, accelerate
cash availability, and reduce cash handling costs.
Level: Intermediate
Erin McCune
Partner, Glenbrook Partners
Sharon Petrey, CTP
Corporate Director Treasury, Coca-Cola Enterprises, Inc.
Beyond the Boilerplate:
Agreeing on an Agreement
604
4:30 p.m. - 5:30 p.m.
Automated Clearing House
One of the most important pieces of the ACH
origination process is the agreement, which binds
the customer originating ACH items to the terms
set forth by the ODFI. While most customers
have no problem signing an ODFI’s standard
ACH agreement, some customers require the
addition or removal of specific language.
What should be considered when modifying an
ACH agreement for a particular customer?
Who should participate in the process?
Attendees learn what steps they must take to
craft an agreement that protects the bank as
well as the needs of the customer.
Level: Intermediate
Kristy D. Powell, AAP
Commercial Risk Manager,
Synovus Financial Corporation
Patricia Presta, AAP
VP, Education & Communication,
Western Payments Alliance
Fraud & Security:
The Next Generation
606
4:30 p.m. - 5:30 p.m.
Risk & Compliance
Two of the largest fraud solution providers meet
to discuss fraud as it exists today. Speakers
explore the challenges providers and financial
institutions face and examine trends and analysis
concerning threats to business practices. What
are consulting companies doing to combat fraud?
Is it enough? Providers look at what they are
doing to position themselves to deliver effective
products and invite users to discuss their views
regarding the industry’s continuing fight against
fraud. Are the proper tools available, and how
can providers continue to strive to deliver
marketable, user-friendly products?
Level: Intermediate
Manuel Da Silva
Consultant, Fraud Analytic Solutions, SAS Institute, Inc
Sonja Schindeler
VP, Fraud & Risk Solutions Consulting, ACI Worldwide
Moderator: Peter C. Hohenstein, CCM
Senior Vice President, Bank of America Merrill Lynch
Debit 2.0 –
Affinity Debit Card Programs
607
4:30 p.m. - 5:30 p.m.
Card Solutions
As more debit transactions occur and greater
numbers of competitors look to get a piece of the
market, it is vitally important that FIs manage
their debit portfolios to ensure they maximize
their portfolio’s potential. This means making
sure existing consumers increase activity and
encourage in-active account holders to get mov-
ing. Panelists explore how rewards play a bigger
part in debit. Topics covered include popular
award programs, reward program business models,
merchant-funded reward programs, FI Internet
commerce programs, affinity card programs, and
the use of debit awards in a segmented portfolio
approach.
Level: Fundamental
Robert Giltner
Director, Consultant
Mike Grossman
Chief Executive Officer, Tempo Payments, Inc.
Russell Prettitore
VP, Sales, Saylent Technologies, Inc.
Moderator: Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Industry Agenda:
Retailer Perspectives
on Consumer Payments
Ballroom 6ABC
2:45 p.m. - 3:45 p.m.
General Interest Sessions
Sponsored by
In this panel discussion, representatives from
leading retailers explore trends and innovations
in consumer payments. Panelists share insight
into unmet payment needs in the retail sector,
barriers to the greater leveraging of technology,
and opportunities to bring about solutions.
Mike Cook
VP, Finance & Assistant Treasurer,
Walmart Stores, Inc.
Dee O’Malley
Director, Financial Services,
Best Buy Co., Inc.
Monica K. Zaborac, CCM
Treasury Director, T-Mobile USA
Moderator: Janet O. Estep
President & CEO,
NACHA - The Electronic Payments Association
Refreshment Break in Exhibit Hall
Exhibit Hall 4AB
3:45 p.m. – 4:30 p.m.
Monday, April 26
23
CONT E NT S

Be Careful What You Wish For:
Managing the Challenges Related
to Electronic Bill Payment
Adoption
612
4:30 p.m. - 5:30 p.m.
The Payments Biz
Consumer adoption of electronic payment
channels and methods - Internet, IVR, e-mail,
e-bill, mobile, ACH, debit card, ATM card,
credit card, etc.—has hit critical mass and sur-
passed other traditional bill payment channels.
As electronic payment volume continues to
grow, so does the scale of the inherent challenges
associated with them: administrative and NSF
returns, misapplied payments, unauthorized
returns, compliance, etc. This panel of payment
executives discusses how they have successfully
addressed these and other related issues, best
practices on improving electronic payment
adoption, and providing the right electronic
options to best meet the needs of diverse
consumer populations.
Level: Intermediate
Angeline DePauw
Director, Electronic Remittance,
Verizon Communications
Carol C. Horn
Supervisor, Credit Policy & Payment Administration,
American Electric Power
Robert E. Wilson, CTP
Chief Revenue Officer, Fiserv
SEC Code Risk Management:
Frauds, Fallacies & Facts
611
4:30 p.m. - 5:30 p.m.
Check Electronification
Many industry observers express concern about
the risks that the newer SEC codes, particularly
the e-check codes, might bring to the ACH
Network. Yet, the unauthorized return rates for
POP, ARC and BOC plus their sister code WEB
are lower than the rate for PPD debits. What
then are the risk issues for the e-check SEC
Codes compared to other ACH debit transac-
tions? In this session, you’ll learn what’s really
going on in risk with the e-check SEC codes
compared to other debit transactions, where
problems have really been revealed, where they
haven’t, and ten risk management steps you can
take away to help prevent fraud from reaching
your own doorstep. New research findings from
NACHA suggest that some worries about fraud
may be misdirected. In these times of tight
operating budgets and bottom-line pressures,
it pays to hone in on the areas where fraud is
more likely to quietly creep in.
Level: Intermediate
Nancy Grant, AAP
Senior Director, Research & Standards, NACHA -
The Electronic Payments Association
Dennis Simmons, AAP
President & CEO, SWACHA - The Electronic
Payments Resource
Samuel A. Vallandingham
VP & CIO, The First State Bank
Mobile Payments in Future Tense
608
4:30 p.m. - 5:30 p.m.
The Payments Biz
Speakers in this session explore the evolution
and future of mobile payments as a ubiquitous
part of our society. With more indicators that
mobile payments are now growing exponentially
through the world, speakers examine the social,
economic, political, financial and legal implica-
tions of mobile payments growth over the next
year and forward to the next decade. The advent
of mobile payments may signal an end to the
common plastic credit and debit cards and cash.
What will be the evolving role of NACHA,
banks and telecoms? How will consumers adapt?
How will businesses manage the mobile pay-
ments revolution in B2B commerce? First Data
and Booz Allen Hamilton have conducted cut-
ting-edge work that provides participants with
new insights on how mobile payments will be
the focus of payments evolution.
Level: Fundamental
Matthew R. Friend
Principal, Booz Allen Hamilton
Dominic Morea
Division Manager, First Data
Susan Pandy
Senior Director, Internet & eCommerce, NACHA -
The Electronic Payments Association
Survey Says: Small Businesses
Will Pay for Services
609
4:30 p.m. - 5:30 p.m.
The Payments Biz
Small businesses have a reputation for being
price sensitive, but new research has found that
there is more revenue potential among these
customers than many banks think. The presenter
in this session examines the willingness of small
businesses to pay for services such as mobile
banking, remote deposit and advanced online
banking capabilities that save them time and
increase convenience. The speaker also discusses
how banks can better utilize relationship man-
agers and use other techniques to deepen their
small business customer relationships, better
satisfy their needs and increase their cross-selling
abilities. Attendees leave the session with a
better understanding of what products they can
charge their customers for (and at what levels),
as well as a checklist of bank best practices.
The information in this presentation is based
on the findings of a July 2009 Aite Group survey
of approximately 300 U.S. small businesses as
well as several bank surveys.
Level: Intermediate
Christine Barry
Research Director, Aite Group
Monday, April 26
The Impact of the European
Payment Service Directive on
U.S. Banks & Payments
613/614
4:30 p.m. - 5:30 p.m.
Global Focus
Speakers in this session examine the European
Payments Service Directive and how that model
could affect the U.S. banking market. Were there
lessons learned that could benefit Americans,
and could using these lessons impact the recovery
efforts of the recent financial crisis?
Level: Intermediate
Richard Coll
Of Counsel, DLA Piper
Mathias Hanten
Partner, DLA Piper
Mario Reichel
Head of Payments Competence Center,
ABK-Systeme GmbH
Markus Rupprecht
CEO, TRAXPAY HG
Realizing End-to-End Encryption &
Data Level Security in the
Payments Industry
616/617
4:30 p.m. - 5:30 p.m.
Risk & Compliance
Payment card data is a valuable target for fraud-
sters. The speaker reviews the challenges and
opportunities facing the payments industry to
secure sensitive card data through end-to-end
encryption, card authentication technologies,
and post-processing tokenization, as well as the
prospect of applying these data security
tech nologies to reduce and/or limit the scope
and cost of PCI.
Level: Intermediate
Steven Elefant
Chief Information Officer, Heartland Payment Systems
Simplification is Simple:
Navigating the “New”
NACHA Operating Rules
618-620
4:30 p.m. - 5:30 p.m.
Automated Clearing House
The key to understanding Rules Simplification is
knowing the rules themselves do not change.
NACHA’s Voting Membership approves the
Rules Simplification initiative, the 2011
NACHA Operating Rules will have a whole new
look. While the rules themselves will be the
same, where you can find them will differ. Speak-
ers in this session explain the reasoning driving
the Rules Simplification initiative, review exist-
ing tools that can help prepare for the possible
change, and share lessons learned from the indus-
try over the last two years.
Level: Intermediate
Laurie Appelbaum, AAP
Payments Association Specialist, The Clearing House
Wendy Radford, AAP
Project Manager, Federal Reserve Bank of Atlanta
Moderator: Richard W. Burke Jr., CCM
Senior Vice President, TD Bank
PAYMENTS 2010 Monday Night
Celebration
Sponsored by
6:30 p.m. - 8:30 p.m.
Experience Music Project (EMP) is a one-of-
a-kind music museum combining interactive and
interpretive exhibits. Enjoy live music, peruse
EMP’s artifacts, or create your own music for a
virtual audience. Don’t miss this landmark
reception, sponsored by Fiserv. Shuttle buses to
be provided from the conference hotels.
CONT E NT S

24
CONT E NT S

CONT E NT S

26
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Tuesday, April 27
27
CONT E NT S

Continental Breakfast
East Lobby, 6th Floor
7:30 a.m. - 8:00 a.m.
The Tangled Web: Attacks on
Business Credentials
602/603
8:00 a.m. - 9:15 a.m.
Risk & Compliance
Online fraud involving the compromise of
businesses’ online banking credentials is
increasing. Through a series of case studies,
attendees hear how malware, phishing, and
social engineering are affecting financial
institutions and account holders. Learn how
to protect your institution and business
customers by understanding the threats and
what actions you and your business customers
should take to aggressively thwart them.
Level: Intermediate
Steven J. Helgen
VP, Commercial Product Management, U.S. Bank
Rayleen Pirnie
Investigations Specialist, EPCOR
Credit Card Issuers’ Responses to
U.S. Legislative Changes
604
8:00 a.m. - 9:15 a.m.
Card Solutions
In May of 2009, the Credit CARD Reform
Act of 2009 passed both houses of Congress to
become law. This significant legislation includes
several key elements - limits on re-pricing
existing credit card balances, specific rules
regarding the allocation of payment to balances,
the elimination of universal default and
two-cycle billing, and more. The majority of
these rules went into effect February 22, 2010,
five months prior to the implementation of
the Federal Reserve UDAP. Speakers in this
session describe the legislation, detail issuers’
responses, and highlight different strategic
tactics employed by issuers to move forward in
this new competitive environment.
Level: Advanced
Duncan Douglass
Partner, Alston & Bird, LLP
Joel Stanton
Senior Analyst, Lightspeed Research, Inc.
IAT Fraud Risk & Compliance
Challenges
606
8:00 a.m. - 9:15 a.m.
Risk & Compliance
Although International ACH Transactions
(IATs) were created to make it easier for
financial institutions to comply with sanction
list regulations, the ability to send ACH
payments internationally spotlights the most
critical risk management challenges facing
payments professionals today. Although the
initial risk management challenge at implemen-
tation in September 2009 was to establish
effective OFAC screening mechanisms for IATs,
the inevitable adoption of this new payment
type presents a broader range of fraud risk and
compliance challenges. Specific aspects of IAT
(such as the variations in reversal and return
policies by country) combined with the generally
higher risk level associated with cross-border
money transfers present significant fraud risk
threats for financial institutions originating and
receiving IATs. The operational challenges
presented by interdiction and resolution of a
higher volume of both sanctions and fraud
issues are potentially significant.
Level: Advanced
Joseph Flannery, AAP
Assistant Vice President, BB&T
Paul Henninger
Director, Program Management, Actimize, Inc.
Rejection & Rebirth: Reinventing
the Bank Card Payments Business
607
8:00 a.m. - 9:15 a.m.
The Payments Biz
Once-restricted bank networks are courting
open access and new customers and uses,
commoditizing themselves and proliferating
competitive choices for connecting transactions.
Consumers have leaped past bank marketers in
harnessing real-time, pay-as-you-go digital
technology to perform self-service and market to
themselves. Yet while the rest of the world
embraces chips and PINs and mobile phones as
the new technology for payment security and
convenience, U.S. banks have been loathe to
disrupt the status quo of conventional card
payments-even in promising new venues like
contactless or mobile payments. At long last,
the U.S. is moving away from the 20th century
paradigm of single-function, “dumb” cards to
multi-function, “intelligent” hybrid accounts
that support growing demands for new form
factors and the flexibility to transact wherever
and however emerging digital lifestyles dictate.
Learn how these developments are impacting
the fundamental economics of the bank card
business, changing the nature of financial and
risk management, and creating new winners
and losers in the process.
Level: Advanced
Steve Mott
Principal, BetterBuyDesign
Tuesday, April 27
28
CONT E NT S

B2B – What Are the Hurdles to
Advancing?
608
8:00 a.m. - 9:15 a.m.
Corporate Payments Solutions
NACHA launched a Business Payments Project
in 2009 to grow the volume of electronic pay-
ments among small businesses. The project deter-
mined that small businesses are likely to originate
more electronic payments if the supporting func-
tionality works seamlessly with their current
accounts payable and receivable applications.
A key barrier application providers confront,
however, is how to collect and maintain reliable
ACH payment and remittance instructions for
payees. As a next step to the Business Payments
Project, NACHA is seeking to promote the
development of an open-source directory that
application providers can access to enable busi-
nesses to originate ACH payments with payee
defined remittance. In this session, leading
providers of small business desktop software and
online banking services discuss the need and
benefits of an open-source directory for growing
small business electronic payment volume.
Level: Intermediate
Janice Cheung, CTP
Product Management, Business Solutions,
Digital Insight, an Intuit Company
Christopher Huppert
SVP, Wholesale Internet & Treasury Solutions,
Wells Fargo
Henry Ijams
Managing Director, PayStream Advisors
Moderator: George Throckmorton
Senior Director & Group Manager, NACHA -
The Electronic Payments Association
R
x
for Banks and Healthcare
Stakeholders: An Update on the
Changing Legislative Landscape
609
8:00 a.m. - 9:15 a.m.
The Payments Biz
With healthcare reform as an active dialogue in
both chambers of Congress, consistent themes
continue to be part of the goal of reform that will
require stakeholders to prepare to facilitate pay-
ment flows, combat growing bad debt, and
improve efficiency across the value chain. Speak-
ers examine payment and collection practices
across healthcare stakeholders and how potential
reform legislation enables banks to drive efficien-
cies among participants (health plans, hospitals,
doctors and patients). McKinsey & Company
analyze the evolving landscape and detail what
to expect from banking partners to support
payment needs. Speakers present research mate-
rials and roadmaps describing current challenges
and strategies to prepare for legislative change.
They also examine how to address the challenges
surrounding healthcare payments through the
innovative use of scale solutions and outline ways
in which banks and healthcare stakeholders
can prepare to take advantage of changing rules
and regulations.
Level: Advanced
Martha Beard
Managing Director, J.P. Morgan
Shubham Singhal
Partner, McKinsey & Company
Revving-Up For Your 2010 Rules
Compliance Audit
611
8:00 a.m. - 9:15 a.m.
Automated Clearing House
As the Payments industry continues to evolve
and change so does the role of the auditor. With
revisions to Appendix 8 and the addition of IAT,
many organizations will need to adjust ACH
audit procedures to ensure compliance with the
NACHA Operating Rules. Speakers include
representatives from the Rules Compliance
Audit work group, a Regional Payment Associa-
tion who performs annual audits, and a financial
institution. Are you ready for your 2010 Rule
Compliance Audit?
Level: Advanced
Amy J. Fisher, AAP
Director, Audit Service, Upper Midwest ACH
Association
Pamela Rodriguez, AAP, CIA, CISA
SVP, Professional Advisory Services & Education,
EastPay, Inc.
Michelle Sledge, AAP
AVP & ACH Operations Manager, Fifth Third Bank
Leveraging Your IAT Investment
612
8:00 a.m. - 9:15 a.m.
Global Focus
More than 97 percent of the 266,457 U.S.
companies that export their products are small-
to-medium businesses. Are your customers
among them? U.S. financial institutions have
made significant investments in IAT that they
can leverage in support of international payment
transactions. IAT offers an efficient and cost-
effective solution for financial institutions of all
sizes to initiate international payments. Atten-
dees learn how to leverage their IAT investment
to attract and retain business customers.
Level: Intermediate
Michael DeBroeck, AAP, CTP
SVP, Treasury Management, Intrust Bank, N.A.
Priscilla Holland, AAP, CCM
Senior Director, International Programs, NACHA -
The Electronic Payments Association
Larry Matteson
Vice President, Huntington National Bank
Moderator: Ann-Marie Bartels, AAP
President & CEO, EPCOR
Tuesday, April 27
29
CONT E NT S

The Essentials of U.S. Payment
Standards
613/614
8:00 a.m. - 9:15 a.m.
The Payments Biz
Technical “standards” underline most of the
products and services we use daily—including
payment instruments like checks, cards, and the
ACH. Despite their importance, few payment
users or providers of payment services understand
the essentials of standards, let alone participate
in creating and maintaining them. Join “the few”
that do by attending this session and learn about
X.9, the ANSI-accredited organization charged
with developing technical standards for the U.S.
financial services industry. A diverse panel of
practitioners active within the X9 community
discuss ANSI accreditation: what it means and
why it matters, X9’s current standards develop-
ment initiatives covering payments security,
mobile payments, Check 21, B2B transactions,
how X9 represents U.S. interests to the Interna-
tional Standards Organization, and challenges to
promoting adoption of voluntary, non-propri-
etary standards. Discover why the quality of
payment standards depends on input from a
broad group of users and service providers.
Learn how you can join your colleagues to
influence the future course of U.S. payments
by participating in an X9 work group, or by
turning your “good idea” into an X9 initiative.
Level: Intermediate
Roy C. DeCicco, CCM
Managing Director, J.P. Morgan
Dodd Roberts
President & CEO, Merchant Advisory Group
Richard Sweeney
Business Leader, VISA
Claudia Swendseid
Senior Vice President, Federal Reserve Bank
of Minneapolis
The Underserved – Payments
Usage, Preference & Brand
Position
616/617
8:00 a.m. - 9:15 a.m.
The Payments Biz
Speakers in this session provide insights
regarding how to profitably serve the underserved
population based on new proprietary consumer
research on payment products that the under-
served own. Speakers help attendees understand
if the financial services industry has successfully
penetrated the underserved with electronic
payment options in the last few years. Discover
which payment products the underserved prefer
and compare 2006 preferences with those of
2009. Determine whether the industry has been
successful in shifting payment preference from
cash to electronic payment products, and
examine the differences in credit usage in 2007,
2008 and 2009. Presenters compare how the
underserved population use their available credit
and indicate significant shifts pre- and post-
economic crisis, with brand awareness and
preferences. Lastly, speakers share which brands
the underserved trust most with their money,
including banks, retailers, alternative financial
institutions, and others.
Level: Intermediate
Romina Abal
Manager, Edgar, Dunn & Company
Stephanie Ayars
Senior Manager, Marketing Promotions,
Netspend Corporation
Mark Troughton
President, Cards & Network, Green Dot
Financial Corp.
Legal Issues for Emerging
Payment Products
618-620
8:00 a.m. - 9:15 a.m.
Risk & Compliance
This session explores evolving legal issues
that affect novel payment products, including
payments in social networks, mobile payments,
prepaid cards, and ACH debit cards. Speakers
focus on issues for new micropayment mecha-
nisms; the status of key issues for growth in the
mobile payment segment, including licensing
issues, AML issues, the application of Regulation
E, mechanisms for eSign compliance and use of
multi-factor authentication; and the implications
of the CARD Act for the viability of prepaid
products. This session promises to provide a
thought-provoking look at the legal issues that
shape the payments industry.
Level: Intermediate
David Teitelbaum, Esq.
Partner, Sidley Austin LLP
Refreshment Break in Exhibit Hall
Sponsored by
Exhibit Hall 4AB
9:15 a.m. – 10:00 a.m.
PayItGreen
®
– We Have the Tools
for Change
602/603
10:00 a.m. - 11:15 a.m.
The Payments Biz
Hear how PayItGreen members are leveraging
green campaigns to effectively promote the
environmental benefits of choosing electronic
bills, payments and statements over paper. This
session features real-world stories and lessons
learned from a vMail case study and provides an
inside look at the model developed by AccuData
to predict which consumers are most likely to go
green when it comes to bills and payments.
Level: Intermediate
Samantha Carrier
Senior Director, Advanced Payments Solutions,
NACHA - The Electronic Payments Association
Beth Anne Hastings
VP, ACH Product Manager, J.P. Morgan
Andrew Russo
VP, Modeling & Analytics, AccuData
The Future of Cards –
A Processor’s Look
604
10:00 a.m. - 11:15 a.m.
Card Solutions
The cards business is more dynamic than ever.
Debit card transactions have surpassed credit
cards transactions for consumer wallet share.
Prepaid debit cards have just begun to find their
way. The big four payment brands, VISA,
MasterCard, American Express and Discover,
have started to plot new courses. On the
corporate side, debit is making inroads in
payments as well. What does it all mean?
Literally in the middle of all of these changes
is the “Processor.” In this panel, well-known
processors offer their opinions on what the
future could hold for cards of all types in the
payments game.
Level: Intermediate
Sarah T. Hartman
Senior Director, Payment Solutions, TSYS Acquiring
Solutions
Stacia Kropp
Director, Debit Product Management, First Data
Steve Langhans
VP, Product Strategy, FIS
Moderator: Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Tuesday, April 27
30
CONT E NT S

Managing Risk at the Community
Bank Level
606
10:00 a.m. - 11:15 a.m.
Automated Clearing House
Speakers in this session examine best practices
and processes that will help smaller community
banks manage their risk exposure as it relates to
originating ACH. For ODFIs, protecting origina-
tors from fraud is a priority. Financial Institutions
use several methods to help protect their origina-
tors, including call backs, calendars and risk
limits. Among the most effective methods of pro-
tecting originators is the use of USB Tokens.
However, the cost and time associated with
implementing any “strong authentication pro-
gram” is often a deterrent, particularly for an
originator who has never been the victim of one
of these viruses. Speakers discuss the typical
profile of a keylogging scam and detail the expe-
riences of one community bank in implementing
a strong authentication program and how it
achieved customer buy-in.
Level: Intermediate
Michelle Bonser, AAP
Bank Service Business Analyst, Viking Bank
Jeffrey D. Foote, CTP
EVP, Commercial Banking, Broadway National Bank
Jim Petkovits, AAP
Vice President, Northwest Clearing House Association
Card Payments Review Creates Big
ROI & Little Investment
607
10:00 a.m. - 11:15 a.m.
Corporate Payments Solutions
A case study on Lincoln Electric Company
features payments processing and management
re-tooling efforts by applying Six Sigma process
improvement methodology. The company dra-
matically reduced its purchase and credit card
program operating costs, minimized its corporate
risk, improved Days Sales Outstanding (DSO),
and significantly cut payment acceptance costs
through interchange management. Results
include $1.5 million annually in direct and
indirect cost savings, higher customer satisfac-
tion, and fewer Payment Card Industry Data
Security Standards (PCI-DSS) security risks.
Following the case study, a Thermo Fisher
Scientific executive will compare and contrast
its payment processing and management
experiences to Lincoln Electric’s efforts.
Level: Intermediate
Aaron Bills
COO & Founder, 3Delta Systems
Edward Henry
Director, Finance Operations, Thermo Fisher Scientific
Back from the Brink: How the
Consumer Will Overcome a
Near-Death Experience to Recover
in 2010
608
10:00 a.m. - 11:15 a.m.
Corporate Payments Solutions
The U.S. economy continues to claw its way out
of the deepest recession in decades. The credit
crunch has spiraled into the longest downturn in
the post-war period; and while signs of stabiliza-
tion and improvement are emerging, rates of
contraction seem to be slowing. The labor mar-
ket remains the weakest link. With the ranks of
the chronically unemployed at post-Depression
highs, it will be difficult o rebuild the economy.
The speaker examines the impact of consumer
behavior and attitudes on the recovery. What
factors drive consumer confidence levels? How
will consumer behavior impact the recovery of
the stock market, residential real estate market,
and retail markets? Has the administration’s
financial stimulus package had the desired effect
on consumer confidence? How do consumer atti-
tudes influence commodity prices and inventory
levels? What positive and negative consumer
influences are anticipated over the next year, and
how will these impact the economic outlook?
Level: Intermediate
Gary Schlossberg
Senior Economist, Wells Fargo
Collaboration to Address
Payments Fraud
609
10:00 a.m. - 11:15 a.m.
Risk & Compliance
Drawing on the ongoing work of the Retail
Payments Risk Forum at the Federal Reserve
Bank of Atlanta and its November 2009 round-
table meetings, speakers engage in a cross-per-
spective discussion on the roles of the payments
industry, law enforcement, regulators, and others,
and examine how groups can best share informa-
tion, police bad actors, and otherwise collaborate
to improve the integrity of retail payments
systems for the good of all.
Level: Intermediate
Stanley Boone
White Collar Crime Coordinator, U.S. Department
of Justice
Richard R. Oliver
Executive Vice President, Federal Reserve System
Heather K. Wyson
Director, BITS
Social Media – The New Face of
Payments
611
10:00 a.m. - 11:15 a.m.
The Payments Biz
Speakers examine new customers, technologies,
behaviors, and responses. Learn what’s new
in payments convergence, cell phone image
capture, cell phone payments, marketing, and
the youth, unbanked, and immigrant segments.
Discover connections between these trends by
exploring common themes: youth orientation,
public electronic networks, speed, and consumer
empowerment. Speakers project which trends
could become major new sources of revenue for
financial institutions and explain why.
Level: Intermediate
Terri Bradford, AAP
Payment System Research Specialist, Federal Reserve
Bank of Kansas City
George Warfel
Consulting Director, Payments Performance
Management, Fiserv
Conducting Business Outside your
Jurisdiction – A Canadian View
612
10:00 a.m. - 11:15 a.m.
Global Focus
As more companies conduct business both
within and outside their jurisdictions, the need
for effective global cash management services
increases. Focus in recent years to address Anti-
Money Laundering and Terrorist Financing
activities have imposed numerous “Travel Rules”
on many traditional Cash Management Services.
As a result, services offered to international play-
ers continue to evolve. What does this mean to
companies conducting business outside of their
own jurisdiction and in Canada? Learn what
Canadian FIs can offer global players to ensure
access to the right amount of money, in the right
currency, in the right place, at the right time, and
with the right information. Gain a Canadian
view of “global cash management services” that
covers disbursements collections and balance
reporting through such international standards as
ISO 20022, EDI ANSI X12, UN EDIFACT and
NACHA IAT. Speakers also examine the future
of payments in Canada and what is on the
Canadian horizon.
Level: Intermediate
Raymond C. Kohler
Manager, eCommerce Services, Royal Bank of Canada
Jacqueline D. Shinfield
Partner, Blake, Cassels & Graydon LLP
Tuesday, April 27
31
CONT E NT S

Escaping Paper Processing & Going
Global: Payments Lawyers Speak
618-620
10:00 a.m. - 11:15 a.m.
Check Electronification
Check processing is going through a revolution
driven by technical and operational change and by
the globalization of commerce. Speakers in this
session take a behind-the-scenes look at how
payments lawyers help shape the industry’s efforts
to transform the payments world through electron-
ification, convergence, and globalization. The legal
structures surrounding any type of payment are
extensive and complex; and changes to those
payments, whether large or small, necessitate close
scrutiny of the underlying legal framework.
Hear from a panel of four payments lawyers about
the work they are doing within their respective
organizations to get the rest of us out from under
the burdens of processing paper checks. Attendees
leave with a better understanding of recent and
proposed rules changes from the Electronic Check
Clearing House Organization (ECCHO), what
NACHA is doing through its DCT, XCK and IAT
initiatives, what the Fed is doing through updating
its own services, hosting forums about the future of
check law, along with expanding FedGlobal
SM
Services and participating in the IPF initiative,
and the efforts of private lawyers around RDC
agreements and building the IPF. There won’t be
many opportunities to hear four payments lawyers
in the same room, so don’t miss this session.
Level: Advanced
Thomas Fox
Partner, Schwartz & Ballen
Richard M. Fraher
Assistant General Counsel, Federal Reserve Bank
of Atlanta
Jane Larimer
EVP, ACH Network Administration, General Counsel,
NACHA - The Electronic Payments Association
Hope Schall
Associate, Vedder Price
PayPal & GMAC - Fighting
Fraudsters: Protecting Your
Company from Fraud
616/617
10:00 a.m. - 11:15 a.m.
Risk & Compliance
As consumers and corporates increasingly
transition from paper to electronic forms of
payment, fraudsters are looking for new ways to
cash in. PayPal and GMAC Mortgage present
their best practices in combating ACH fraud.
Speakers examine the latest trends in fraud and
how companies can protect themselves from such
activities as they review the complete range of
fraud prevention issues, from on-boarding clients,
authenticating identities, identifying trusted
parties, validation of accounts, ACH positive
pay, Universal Payment Identification Codes
(UPIC’s), Office of Foreign Assets Control
(OFAC), debit blocking, and pseudo-accounts.
How has the economic downturn affected banks
and corporations alike in terms of attempted
fraud and what are banking partners doing to
protect their corporate clients? What can
corporates do should fraud occur? Speakers
address these and other pressing issues in this
critically important session.
Level: Intermediate
Steven E. Bernstein
Executive Director, J.P. Morgan
Jill Bohlken
VP, Cash Operations, GMAC Rescap
Colleen P. Lindow, CCM
Senior Director, Consumer Risk Management,
PayPal, Inc.
B2B Payments Take a Big Leap
of Convenience
613/614
10:00 a.m. - 11:15 a.m.
The Payments Biz
At the end of 2010, a new era of B2B electronic
payments will begin for banks and their corporate
customers. That’s when the nation’s two wire
transfer systems, CHIPS and Fedwire, will be able
to include remittance information with a wire
payment. For payments professionals, this change
will rationalize the front end of the payments
system by creating parity between the ACH and
wire transfer in terms of convenience, ease of
use, cost, efficiency, and environmental benefits.
Panelists discuss the potentially significant
impacts this development will have on all parties
in the payments value chain. Topics include:
opportunities for banks to embrace the wire
remittance standard as it becomes effective
at the end of 2010; potential impact to wire
and ACH usage and volumes; steps banks,
corporations, and vendors should take to prepare
payments professionals to realize the benefits
of the new standard; and best practices for
implementing a comprehensive native
electronic payments strategy.
Level: Advanced
Claudia Swendseid
Senior Vice President, Federal Reserve Bank of
Minneapolis
Paul Trozzo
SVP, Product Group Manager, PNC Bank Treasury
Management
Moderator: Rossana F. Salaris, AAP
Senior Vice President, The Clearing House
Tuesday, April 27
32
CONT E NT S

The George Mitchell Award, named after the late
George Mitchell, former vice-chairperson of the Board
of Governors of the Federal Reserve System and early
electronic payments proponent, is presented annually to
an individual or organization that has shown superior
leadership in the development, implementation, or
advancement of electronic payments.
Lifetime Achievement Award
The 2010 Lifetime Achievement Award recognizes
a career’s worth of success.
Luncheon Speaker
The former chief information officer at
Google, Douglas Merrill championed
innovation at the company as it grew
from Internet start up into one of the
world's most admired organizations.
In his talk, “Innovate or Die: Building
a Culture of Strategy and Innovation,”
Merrill provides a rare look into how Google fosters
its culture of innovation, contrasting the company’s
strengths with those of other companies that are
struggling to stay relevant.
Ballroom 6ABC
11:30 a.m. - 1:15 p.m.
Join us for this full-service luncheon where
outstanding achievements in payments
system innovation, quality, and performance
are recognized.
In its inaugural year, the NACHA PayItGreen Award is
presented annually to recognize individual or organizational
leadership, vision, and innovation in the education and
promotion of electronic payments, statements, and billing
to reduce paper’s impact on the environment.
Named in honor of the late Kevin O’Brien, who served as
NACHA’s chairperson from 1999-2000, the Kevin O’Brien
ACH Quality Award is presented annually to recognize
best practices in ACH participants’ efforts to maintain and
improve the quality of ACH services and/or the integrity
and reliability of the ACH Network.
Douglas Merrill
Former CIO & VP of
Engineering, Google
2010 NACHA Payments System Awards Luncheon
Tuesday, April 27
33
CONT E NT S

Looking Beyond the Mirror:
Portals are Not Just Another
Pretty Face
606
1:30 p.m. - 2:30 p.m.
The Payments Biz
Providing the information necessary for small
business, middle market, and corporate customers
to make good business decisions is the foundation
for any successful online solution offering. Portals
have the potential to provide additional business
intelligence to businesses through various deliv-
ery models. While a portal approach has become
the standard in the industry, there are newer,
more innovative variations on this theme.
Speakers in this presentation delve into the
inner essence of these varying approaches to
information delivery, explore the traditional
and innovative dashboard, review information
driven customer interactions, and Identify the
Web 2.0 technologies driving change and the
effect they have on user experience.
Level: Fundamental
Colin Kerr, CTP
Industry Manager, Payments and Core Banking, WFS,
Microsoft Corporation
Gary McBride
Sales Leader, Banking, Financial Markets,
IBM Corporation
Missy Rose
Sr. Product Marketing Manager, S1 Corporation
Using Link Analysis to Identify
Crime Rings & Mitigate Losses
607
1:30 p.m. - 2:30 p.m.
Risk & Compliance
Professional and sophisticated fraudsters usually
work within crime rings and are difficult to
identify. They perpetrate fraud across payment
channels, manipulate and falsify identities,
take over accounts and more, with detailed
financial system knowledge that allows them
to go undetected. Link analysis is the next
generation in fraud prevention. It builds upon
the collaboration that exists between financial
services organizations sharing information and
best practices and helps uncover past, present,
and future relationships between people,
transactions and accounts. For the past year,
Early Warning has been working with Compass
Bank to perform link analysis related to data in
the National Shared Database. The two organi-
zations present the results of their collaboration
and provide an update on their progress.
Level: Fundamental
Debbie Byrd
SVP, Director of Loss Prevention, BBVA Compass
Glen Sgambati, CTP
Chief Data, Risk & Security Officer, Early Warning
Services, LLC
Getting Payments Wrong: Top 10
Ways to Drive Customers Away
602/603
1:30 p.m. - 2:30 p.m.
The Payments Biz
Recession psychology is changing the way
payments are designed, marketed, and deployed.
Understanding this psychology and its impact on
retail, corporate and mobile customers is essential
for getting payments right. Join us for a comedic
review of the top ten ways financial institutions
drive customers away by getting payments wrong.
And learn how to get payments right!
Level: Fundamental
David L. Peterson
Chief Strategic Officer, i7strategies
Lee Wetherington, AAP
Director of Strategic Insight, ProfitStars, Jack Henry
& Associates
Back to the Future: New Ways to
Pay With A Time-Tested Network
604
1:30 p.m. - 2:30 p.m.
Card Solutions
In the U.S., e-commerce activity continues to
grow rapidly. Customers increasingly prefer to use
their debit cards over other methods, but remain
reluctant to use debit cards online due to security
perceptions. Presenters discuss how their compa-
nies are working together to offer a new service
that enables cardholders to pay for goods and
services on the Internet with their debit cards, in
direct partnership with the cardholder’s financial
institution. Presenters share the details of how
the service works; key drivers and customer needs
that led to development of the service; current
challenges and future of e-commerce payments;
and how financial institutions can generate rev-
enue, reduce cost and deliver a secure, conven-
ient customer experience using debit cards.
Level: Intermediate
Rene Pelegero
Senior Director, Industry Relations & Strategy,
PayPal, Inc.
Julie Saville
VP, STAR Network Product Development,
STAR Network, a First Data Company
Where’s the Cash?
608
1:30 p.m. - 2:30 p.m.
Corporate Payments Solutions
It’s 10 p.m., do you know where your cash is?
Or how it was used? And if you do, is it easily
accessible? Speakers in this session address
trends in cash management, the pros and cons
of centralization, provide an evaluation of the
technology available to centralize or maintain
aggregators, and examine common tools to access
bank services. Presenters also explain the latest
initiative to update BAI reporting standards.
Level: Fundamental
William Lundeen
Group Manager, Global Banking, Procter & Gamble
Matteo Monaco
Regional Account Manager, SWIFT
Rene Schuurman
Global Product Manager Connectivity Services,
Citigroup
Handling Day 2 Exceptions for
Image Exchange
609
1:30 p.m. - 2:30 p.m.
Check Electronification
Check image exchange has become one of the
most rapidly adopted processes in the financial
industry. With nearly 60 million items presented
daily as images, there are bound to be exceptions.
The speaker reviews the most common questions
about image returns and adjustments. Also
discussed are steps that your institution must
follow to ensure compliance with the proper
handling requirements for expedited re-credit
and breach of warranty claims and the potential
risks associated with the exchange of substitute
checks and images.
Level: Intermediate
Angela Smith, AAP
Senior Manager, Education Services, Viewpointe CS &
Association Services
Tuesday, April 27
34
CONT E NT S

Third-Party Senders –
Risks & Best Practices
616/617
1:30 p.m. - 2:30 p.m.
Risk & Compliance
Speakers provide an overview of the risks
third-party processors and third-party senders
introduce into the ACH Network. Attendees
learn from the regulators about examination
findings and deficiencies noted for ODFIs that
had not appropriately mitigated the risk resulting
from third-party sender activity. Presenters high-
light best practices that one large bank employs
to mitigate the risk of using third-party senders,
including due diligence, agreements, operating
and monitoring criteria.
Level: Intermediate
Sara Pinkus, AAP
VP, Cash Management & Risk Compliance, TD Bank
John Wagner
Director, BSA/AML Compliance, U.S. Department of
the Treasury, OCC
Moderator: Elliott C. McEntee
President & CEO, Payment Advisory Service
Do We Need Check Law
After Checks?
618-620
1:30 p.m. - 2:30 p.m.
Check Electronification
Speakers in this session look into the future of
the payments industry and the possibility of life
for check law after the end of paper check
exchanges. Traditional paper check deposits and
exchanges are transitioning rapidly to remote
deposit capture and interbank image exchange.
As a result, what is the ongoing role of check law
in the future? With the existence of ECCHO
Rules and electronic payments rules and regula-
tions, is there still room for check law? Could
the industry use the existing check processing
infrastructure and laws/rules for electronic items
that were never paper checks? How do protec-
tions for check images and electronic checks
compare to protections for paper checks?
Speakers debate the pros and cons of both
check law and electronic payments law and how
the check world may react should paper check
deposit and processing disappear.
Level: Advanced
Thomas Fox
Partner, Schwartz & Ballen
Oliver I. Ireland
Partner, Morrison & Foerster, LLP
Mobile Banking & Payments: My
Phone is Still Smarter than Yours
613/614
1:30 p.m. - 2:30 p.m.
The Payments Biz
One of the biggest banking
industry misconceptions is
that 20-somethings will be
the primary users of mobile
banking and payments. At
PAYMENTS ‘09, eCom Advisors presented
groundbreaking primary research revealing that
some phones are smarter than others, and that
consumer propensity for mobile banking and
payments is far more correlated with the sophisti-
cation of their mobile device than their age.
Consumers equipped with touch-screen smart
phones (such as iPhone) were far more likely to
use mobile financial services than those with
ordinary cell phones or even devices with full
keyboards, regardless of their age. The 2009 study
revealed that 41percent of owners of the latest
smart phone technology used the device to access
mobile banking and 21 percent for paying bills
online. In 2010, NACHA and eCom Advisors
have partnered to expand and repeat the study.
This presentation will reveal findings from the
2010 research—including an update on mobile
banking adoption, mobile bill payment behav-
iors, and mobile Web purchasing by device type,
generation, income, WAP vs. App vs. SMS and
other characteristics. In addition, the presenta-
tion offers data and insights on the keys to target-
ing mobile adopters across all age segments;
mobile bill payment adoption and behaviors and
the propensity to pay for mobile web purchases
via credit card, debit card, P2P and mobile phone
account. The speakers provide insight into
strategies to keep your institution competitive
in the rapidly changing mobile marketplace.
Level: Intermediate
Fred Brothers
Managing Partner, eCom Advisors
Paul McAdam
Partner, eCom Advisors
My Audit is Satisfactory,
No Risk Here
611
1:30 p.m. - 2:30 p.m.
Automated Clearing House
Most financial institutions are very aware of risk
in the ACH Network, and almost all FIs have a
risk management plan in place. But how pre-
pared are you really? Is a satisfactory ACH audit
enough? How well do you know your customer?
Who is putting your FI in danger? Conversation
rotates among a panel that contains both ACH
operators, an external auditor, and a bank super-
visor. Speakers in this session focus on effective
ACH risk management and include cases of
discrepancies between ODFI perceived risk
versus operator or supervisor-perceived risk.
Level: Fundamental
Christopher N. Alexander, AAP
Assistant Vice President, Federal Reserve Bank
of Atlanta
Donna Ashworth
Executive Director, Tennessee ACH Association
Carter Messick
Lead Information Technology Expert, U.S. Department
of the Treasury, OCC
Alex Romeo
VP, EPN Product Manager, The Clearing House
International Payments
Framework: Leveraging Existing
Infrastructures
612
1:30 p.m. - 2:30 p.m.
Global Focus
We all have heard of the Single Euro Payments
Area and the cutting-edge developments the
European community has made to simplify non-
urgent payment processing and reduce the cost of
processing these items. What if this model
extended outside of the European community?
What if every country in the world shared the
rules of non-urgent payment processing?
Level: Advanced
Jane Hennessy
Executive Vice President, Wells Fargo
Stacy Rosenthal
Business Manager, SWIFT
Tuesday, April 27
35
CONT E NT S

Paycards: Cut Costs or Cut Paper
Paychecks?
604
3:15 p.m. - 4:15 p.m.
Card Solutions
A new method of delivering employee wages
has gained widespread acceptance—payroll
cards or paycards. Employers are rapidly
recognizing the benefits that come from
paycards: convenience, security, cost savings,
and happier employees. Additionally, by switch-
ing to electronic payments, businesses help
preserve the environment. In recent years,
adoption of electronic wage payment methods
increased dramatically and the regulatory
environment relating to electronic payment
methods changed significantly. Speakers in
this session provide an overview of the paycard
industry, paperless payroll offerings and options,
relevant federal and state laws and regulations,
the fundamentals of implementing a paycard
program, and tips for overcoming obstacles that
prevent your clients from adopting electronic
wage payments.
Level: Intermediate
William Dunn
Manager, Government Relations, American Payroll
Association
Traci D. Hayes
SVP, Strategic Alliances, Skylight Financial
Tom Simeur
Vice President, Staffmark
Merchant RDC: Capturing the Risk
& Getting with the Program
606
3:15 p.m. - 4:15 p.m.
Check Electronification
Auditors and examiners have had more than a
year of experience using the FFIEC Guidance to
perform remote deposit capture audits and exam-
inations of banks. Banks have begun to get their
program in line with their other payments offer-
ings and in accordance with the published guid-
ance. But what are the most common findings
and challenges that face financial institutions
today? Learn from a Federal Reserve Bank
examiner and an auditor of RDC merchant
capture as they discuss the differences in audits
pre-and-post guidance; the greatest remaining
challenges and how financial institutions can
overcome them; and what procedures and
actions financial institutions use to ensure they
avoid losses and have a successful RDC audit.
Level: Intermediate
Tony DaSilva, AAP, CISA
Bank Examiner, Federal Reserve Bank of Atlanta
Terri Pelle Sands, AAP
Managing Director, Payments Information Circle
Refreshment Break in Exhibit Hall
Exhibit Hall 4AB
2:30 p.m. - 3:15 p.m.
What’s The Best Way to Steal a
Company’s Online Banking
Credentials?
602/603
3:15 p.m. - 4:15 p.m.
Risk & Compliance
Speakers in this session demonstrate tactics
online criminals use today to hijack companies’
online banking credentials. With the growth in
use of online banking by businesses nationwide
and the stronger security mechanisms adopted by
many retail banks for their portals, fraudsters
have become creative and sophisticated in figur-
ing out how to steal business customers’ online
banking credentials and engage in fraudulent
activity. This presentation features a detailed
visual description of how online criminals target
(sometimes quite successfully) businesses’ online
banking software. Moreover, it details the roles
of Man-In-The-Browser (MITB) Trojans and
mule networks.
Level: Intermediate
Joram Borenstein
Senior Manager, Identity Protection & Verification,
RSA, The Security Division of EMC
Robert Vamosi
Research Analyst, Risk Fraud & Security, Javelin
Strategy & Research
The New Financial Order
607
3:15 p.m. - 4:15 p.m.
The Payments Biz
The future of financial services will not look
anything like the past, and the picture continues
to change. Over the past 18 months, IBM
interviewed more than 2,800 bank and corporate
C-level executives along with numerous
governmental and regulatory executives
worldwide. IBM used this information to develop
and broaden our point-of-view for the future
of the banking and financial markets industry.
The speaker shares the results of this research,
the resulting industry point-of-view, and specific
actions that payments business executives need
to consider over the next three years in order
to intercept these major shifts in the industry
and gain a competitive advantage.
Level: Intermediate
Srini Giridhar
Banking Lead, IBM Institute for Business Value
SWIFT Corporate Access: A Better
Way to Manage Payments &
Banking Relationships
608
3:15 p.m. - 4:15 p.m.
Corporate Payments Solutions
In today's highly competitive global marketplace,
businesses are constantly looking at ways to
better manage their payments and banking rela-
tionships. The advent of the SWIFT Corporate
Access initiative presents treasurers with a pow-
erful new connectivity tool. This presentation
will examine the current status of the initiative,
the various connectivity options and technical
considerations that should be evaluated by
prospective users. We will look at what it means
for corporations to leverage SWIFT Corporate
Access, how to assess SWIFT Corporate Access
and what criteria should be considered prior to
adoption. J.P. Morgan will share client case
studies in building a business case for SWIFT
Corporate Access, along with practical insights
on successfully navigating an implementation in
partnership with a banking partner. This presen-
tation will also examine how SWIFT can provide
additional value to corporates beyond the tradi-
tional treasury and cash management services in
areas such as supply chain services, exception
and investigations and electronic bank account
management. In addition, we will discuss future
trends and strategies that might impact the
SWIFT corporates initiative, including the
electronic bank account management (eBAM)
project and issues relating to security.
Level: Intermediate
Don Davis
Treasury Project Manager, Intel Corporation
Louise M. Gorman
SVP Global Client Access, J.P. Morgan
Tuesday, April 27
36
CONT E NT S

The Foundation of the New
Relationship with Customers
616/617
3:15 p.m. - 4:15 p.m.
The Payments Biz
Demand and supply-side shifts due to regulation,
tightening credit, and the recession, continue
to shape bank options for earning sustainable
payments revenues in unknowable ways.
Panelists dialogue with audience members about
how enterprise payments groups can place the
customer at the center of product and process
design to define a healthier, less-punitive transac-
tion product that will result in a more reliable
revenue stream and provide a better chance to
remain the customer’s choice for a primary
transaction provider. What are the new
consumer pain points and evolving needs?
What payments priorities should you focus on
to acquire, keep, and expand customer relation-
ships? This discussion seeks to illuminate the
most effective ways peer financial institutions
are optimizing payments performance and reduc-
ing costs, while maintaining superior payments
service levels for the most profitable customers.
Level: Intermediate
Hugh Gallagher
Senior Vice President, SunTrust
Lee Manfred
Partner, First Annapolis Consulting
Richard McNutt
EVP, Retail Payments, PNC Bank
Moderator: Debbie L. Bianucci
President & CEO, BAI
Payments to Europe: The Recipe
for Success
612
3:15 p.m. - 4:15 p.m.
Global Focus
Sample and learn the key ingredients for
originating successful payments to European
destinations. The menu features all the staples:
IBANs, BICs, ISO 20022 Message Standards,
differences between the SEPA and national
European payments systems, as well as similarities
and differences between the U.S. and European
non-urgent payment systems. Examples demon-
strating how the International Payments Frame-
work (IPF) has shaped payments abroad enable
attendees to take away processing tips for
successful corporate and personal payments to
any destination in Europe.
Level: Intermediate
Elizabeth McQuerry
Assistant Vice President, Federal Reserve Bank
of Atlanta
Timothy Schmidt, AAP
VP, Treasury Management, U.S. Bank
Michael Steinbach
Chairman of the Board of Directors, Equens SE
Payments for the Facebook
Generation
613/614
3:15 p.m. - 4:15 p.m.
The Payments Biz
As the nature of social interaction among
individuals on networking, game, and blogging
sites evolve and become more complex, the trend
toward people buying, selling and bartering real
and virtual goods and services is on the rise.
Often, virtual currencies created to support these
online transactions become so popular that they
find acceptance in real world e-commerce trans-
actions as well. As this emerging consumer
behavior finds widespread acceptance, electronic
payments providers need to evolve to create new
payment vehicles, risk and fraud controls, and
settlement processes to integrate and provide a
bridge between real world and virtual money.
These new payment types would need to be
real-time and suitable for microtransactions to
meet the requirement of online virtual trades.
Speakers in this session examine this emerging
space through the prism of live case studies
and explore potential changes in the future
landscape.
Level: Intermediate
Sayantan Chakraborty
Director, Citi Global Transaction Services, Citigroup
Anand Subbarayan
Senior Product Manager, Amazon.com
RCC or ACH? To Image or
Electronify . . . That is the
Question
609
3:15 p.m. - 4:15 p.m.
Check Electronification
Speakers in this session review the operational,
risk, and legal issues associated with Remotely
Created Checks (Demand Drafts) in comparison
to origination of ACH debits for preauthorized
recurring payments. What is the optimum choice
for both banks and businesses? When weighing
the risks associated with both payment methods
along with the costs for equipment and training,
how do you decide whether to use one, the other,
or both?
Level: Intermediate
Gail Susan Ball, AAP, CTP
SVP, Treasury, NCO Financial Systems, Inc.
Howard Forman, AAP
Senior Vice President, Wells Fargo
Small Business Online Payroll –
Payday for Everyone?
611
3:15 p.m. - 4:15 p.m.
The Payments Biz
Banks are increasingly evaluating and
implementing payroll services that specifically
target the high-growth small business segment.
Attendees learn how to overcome the challenges
associated with providing ACH Direct Deposit
to small businesses while introducing an innova-
tive solution that helps increase loyalty. A solu-
tion provider and financial institution walk
through the launch of a small business online
payroll service, including market research and
business case development, implementation and
integration strategies, best practices and lessons
learned, and balancing the promotion of business
clients’ use of self-service and online tools with
critical high-touch customer service.
Level: Intermediate
Rich Heller
Director, Business Development, SurePayroll
Alicia Treadway, AAP, CTP
First Vice President, Product Management, SunTrust
Tuesday, April 27
37
CONT E NT S

Now That 50 is the New 30, Is
Same-Day ACH the “New”
Next-Day ACH?
618-620
3:15 p.m. - 4:15 p.m.
Automated Clearing House
For many years, you have relied on efficient
processing and settlement of ACH payments for
one and two-day forward payments. Are you
ready for same-day check conversion, telephone,
and Internet-initiated payments? Speakers review
the impact on originating and receiving banks,
implications and expectations of originators,
receivers, and vendors, as well as how same-day
ACH can add value to financial institutions
business strategies. Speakers discuss the potential
of same-day ACH service to enhance funds
availability by expediting the collection of
consumer debits, accelerating the identification
and disposition of payments that require return
due to error or fraud, and expanding business
opportunities to a DFI’s account holders. This
discussion identifies the benefits of a same-day
schedule as well as issues and improvements
that still require vetting.
Level: Intermediate
Steven Cordray, AAP
Retail Payments Project Manager, Federal Reserve Bank
of Atlanta
Peter A. Davey, AAP
Senior Manager, Enterprise Payment Strategy,
Capital One
Nitin Kulshrestha
Director, Product Management, PayPal, Inc.
Laura Magazu, AAP
Product Manager, Fiserv
Expanding the Pie: Gaining
Greater Share-of-Wallet with
WEB & TEL
602/603
4:30 p.m. - 5:30 p.m.
Automated Clearing House
Speakers in this session provide a soup-to-nuts
perspective on “native ACH” applications—the
WEB and TEL Standard Entry Class Codes. The
content is based upon the premise that these two
ACH applications generate additional sales with-
out impacting existing transaction volume;
expand target markets and meet the evolving
needs of contemporary consumer demands such
as “just-in- time” payments, and payment options
offering greater budgetary controls. Presenters
entertain the audience with a point-counterpoint
discussion of the barriers and advantages of each
SEC code including historical background, rules
framework, trends in volume and usage, and
marketplace opportunities. Attendees take away
a fresh perspective on how TEL and WEB can be
advantageous as payment options, along with a
solid understanding of the compliance require-
ments for both.
Level: Intermediate
Fred Laing, II, AAP, CCM
President/CEO, Upper Midwest ACH Association
Deborah Matthews, AAP
Profit Stars Marketing Manager, Jack Henry &
Associates/ Profit Stars
The Headaches of Various
Payments & Entry Points –
A Healthcare Case Study on
PCI & Data Security
604
4:30 p.m. - 5:30 p.m.
Card Solutions
PCI compliance is complex enough without the
added complexity of decentralized multiple entry
points with such varied methods of entry as live
swipes, phone, online hosted Web pages, lockbox
credit card payments, and correspondence.
Add in the complexity of the healthcare industry
such as HIPAA and red flags regulation and
additional technology such as kiosks, portals,
pre-visit collections via a third-party and
headaches occur regularly. The speakers walk
through a healthcare case study consisting of the
multiple payments received, the posting process,
new technologies and data security measures, and
the PCI impact to the organization. Although
the session contains a healthcare slant, it is appli-
cable to organizations facing PCI compliance
issues with a myriad of payment entry points.
Level: Intermediate
Scott Hawig
Divisional Chief Financial Officer, PRMO,
Duke University
Michael Rabb
Director, Cash Management, Duke University
Jeffrey A. Thomas, CTP
Group Vice President, SunTrust
Secure Vault Payments
TM
– Out of
the Pilot & Into Production
606
4:30 p.m. - 5:30 p.m.
The Payments Biz
Hear real-world stories from U.S. Bank and
Fidelity Information Systems about why the
industry is embracing Secure Vault Payments
(SVP). What is the business case for SVP?
Where is the market demand for this alternative
payment solution? How can your organization—
FI or businesses—benefit? These questions and
more are answered in this lively panel discussion.
Level: Advanced
Eric Lim
VP, New Product Development, U.S. Bank
Namratha Monteiro
Business Development Manager, FIS Payment Solutions
Ken Myles
Senior Vice President, eWise Systems
Moderator: George Throckmorton
Senior Director & Group Manager, NACHA -
The Electronic Payments Association
Receipt Fraud: Reducing your
Losses Across Payment Channels
611
4:30 p.m. - 5:30 p.m.
Risk & Compliance
As the “Fraud Business” continues to evolve
there are significant changes to the types of fraud
being committed. What was once simple, single
channel payment origination fraud is quickly
becoming cross-payment channel fraud involving
both origination and receipt services. As the
fraudsters have started using ACH in combina-
tion with check, image, and card, you need the
ability to look across those same channels. With
the current growth of mobile banking and the
anticipated growth of P2P payments these trends
will continue as fraudsters have more channels to
use. The ability to identify suspect deposit items
based on both check and ACH activity, as well
as verify an account’s existence and assess the risk
associated with accepting and processing an item,
increases success in mitigating that risk. Learn
how two companies worked together to spot and
reduce exposure to receipt fraud as it becomes a
cross-channel risk for all.
Level: Fundamental
Patricia L. Edds, AAP
Vice President, Bank of America
Laura Weinflash
VP, Market Strategist, Early Warning Services
Tuesday, April 27
Fraud Prevention & Risk
Management: How to
Pre-Determine False Checks and
Crack Down on Fraudsters
607
4:30 p.m. - 5:30 p.m.
Risk & Compliance
The industry understands well the merchant and
consumer benefits of allowing check payments.
However, people are still trying to grasp the
processes involved behind validating checks
and consumer identification, as well as the
technologies and best practices organizations
should implement to lower the risk of processing
bad checks. Speakers address today’s best-in-class
fraud prevention tools and explain how authori-
zation systems validate IDs, issue risk manage-
ment decisions and settle transactions if
approved. Attendees learn the front-and back-
end technologies involved in this type of risk
management program and what factors deter-
mine whether or not a check will bounce, while
taking a glimpse into the massive depth of data
processors use to determine whether or not false
information is at hand and hear real life exam-
ples of how a team of recovery experts and law
enforcement joined forces to crack down and
stop fraudsters.
Level: Intermediate
Charles Andrews
Director of Security, First Data
Joseph Velling
Resident Agent in Charge, Social Security Administration
Mark Wallin
General Manager, First Data
The Impact of Billing & Payment
on Retention, Customer
Satisfaction, Product Usage &
Profitability
608
4:30 p.m. - 5:30 p.m.
Corporate Payments Solutions
Countless businesses offer their customers the
option to receive and pay bills thru multiple
channels and mediums. While cost reductions
are often cited as reason enough for offering
online billing and payment options, the question
of whether these services can provide more tangi-
ble value has lingered. Qwest Communications
recently conducted an in-depth quantitative
study with Fiserv and Aspen Analytics that eval-
uated the relative value of all bill payment and
bill presentment channels, including paper
checks, recurring credit card payments, payments
made through the biller direct site, and online
bill pay via the bank’s Web site. The presenters
explain how the results of this and other studies
have influenced the development of companies
like Qwest’s payment and billing strategies and
the value different online payment types and
channels bring to corporations. The findings
offer the first-of-a-kind view into how billing and
payment drive not only cost savings but loyalty,
likeliness to pay on time, and overall profitability
to billing organizations. Attendees learn what
factors impact the choice of payment options and
channels, as well as differences in ROI between
biller direct and consolidated payment channels.
Level: Fundamental
Kirk Gripenstraw
VP, Advanced Analytics, Aspen Marketing Services
Eric Leiserson
Senior Market Analyst, Fiserv
The Corporate User Perspective on
“Same-Day” ACH
609
4:30 p.m. - 5:30 p.m.
Automated Clearing House
The Federal Reserve will launch an opt-in
service in second quarter 2010 that accomplishes
the depositing, processing, editing, distribution,
and settlement of certain ACH debit payments
during the current processing day. The service
moves up funds availability and expedites returns
by one day. The industry has discussed the
concept of accelerated ACH processing schedule
for years and has evaluated and continues to
evaluate various approaches. This new Federal
Reserve service introduces new capabilities and
specific benefits. In this session, a panel of
experienced corporate, financial institution,
and ACH Operator representatives examine
the business, operational, risk, and educational
implications of this new offering, and potential
alternatives, from the corporate point of view.
Level: Intermediate
Jennifer Bezdek, CTP
Director, Global Cash Management, Fluor Corporation
Mary Burchette
SVP, Global Treasury Management, U.S. Bank
Rue Jenkins
Assistant Treasurer, Costco Wholesale Corporation
Brad Larson
VP, Global Treasurer, Claire’s Stores
Claudia Swendseid
Senior Vice President, Federal Reserve Bank
of Minneapolis
38
CONT E NT S

Tuesday, April 27
Examining the ISO 20022
Message Standard: Simplifying
Payments & Gaining Vital Cash
Management Info
612
4:30 p.m. - 5:30 p.m.
Global Focus
As businesses increasingly compete on a global
playing field, treasury faces the challenge of
making payments and obtaining vital cash
management information using a variety of
messaging standards. This presentation examines
the ISO 20022 message format that incorporates
the payment initiation and reporting capabilities
of several leading standards into a single, unified
standard. Speakers examine how corporations
and banks worldwide are incorporating this new
standard into their financial applications. Learn
how it helps organizations meet regional and
global integration requirements of shared services
centers, payment factories, centralized payables,
and treasury functions. Caterpillar shares its
best practices, highlighting the execution and
deployment of this new messaging standard
across its global operations, enabling improved
cash position management and reconciliation
through the provision of real-time data, as well
as how they built a business case for adoption of
the standard.
Level: Intermediate
Louise M. Gorman
SVP Global Client Access, J.P. Morgan
Graham Isaacs
Cash Operations Supervisor, Caterpillar Inc.
A Decade of Insight: Online
Payment Trends 2000-2010
613/614
4:30 p.m. - 5:30 p.m.
The Payments Biz
Online bill payment has moved from rarity to
routine with each year bringing new challenges
and opportunities to increase adoption and drive
payment volume. Speakers in this session share
the results of the newly released 2010 Consumer
Billing and Payment Trends survey. Discussion
encompasses growth in adoption; how online bill
payment volume compares to other channels;
what consumers like and don’t like about receiv-
ing and paying bills online. Also explored are
changes that have taken place during the last year
and the last decade; online payment trends and
insights into how to address slowing adoption;
increasing the number of payments made by exist-
ing users; suggestions for marketing online bill
payment services; and new functionalities, such as
payment widgets and person-to-person payments.
Level: Fundamental
Patricia Hewitt
Director, Debit Advisory Services, Mercator Advisory
Group
Geoffrey Knapp
VP, Online Banking & Consumer Insights, Fiserv
IAT – After the Fall
616/617
4:30 p.m. - 5:30 p.m.
Automated Clearing House
September 18 has come and gone, and the “new”
International ACH Transaction has been a
required reality for six months now. Before last
fall, a great deal of discussion ensued regarding
the perceived need for the IAT and its ultimate
impact on the ACH Network. IAT generated a
lot of talk, concern, and uproar prior to imple-
mentation. What was the reality? Speakers in this
session provide a bank and corporate perspective
on what actually happened as a result of the new
rules since the implementation date last fall.
Level: Intermediate
William Bley, AAP
President & CEO, Northwest Clearing House
Association
Laura Listwan, AAP, CTP
Senior Vice President, U.S. Bank
Mark Webster CCM, CPA
Partner, Treasury Alliance Group, LLC
39
CONT E NT S

Kicking Payments to the Curb:
How Payment Convergence is
Driving Greater Efficiencies
618-620
4:30 p.m. - 5:30 p.m.
The Payments Biz
As treasurers look for ways to achieve greater
efficiencies, advancements in payments conver-
gence offer signification opportunities to improve
treasury practices. Speakers in this session
explore the operational, legal and technology
drivers of payments convergence and what it
means to an organization’s treasury processes.
In addition, speakers outline the latest efforts to
streamline the payments system, including the
industry’s plans for winding down physical check
exchanges and the impact of reduced check
volumes on check clearing costs. They present a
status report on check deposit truncation
initiatives, discuss how the ACH Network will
clear small dollar checks, and provide a status
update on aligning the payment laws with
the latest technology changes. In addition,
presenters discuss how payments convergence
has driven innovation in both front-office and
back-office processes and how organizations and
networks have realigned to support future
convergence efforts.
Level: Intermediate
Christopher Huppert
SVP, Wholesale Internet & Treasury Solutions,
Wells Fargo
Jim McKee
SVP, Retail Payments Office, Federal Reserve System
Pat Thelen
Executive Director, J.P. Morgan
Kick-off to PAYMENTS 2011
Closing Reception
Exhibit Hall 4AB
5:30 p.m. - 7:00 p.m.
Take advantage of the closing reception in the
exhibit hall and make those crucial connections
that will help propel your organization into the
future. Enjoy this “Kick-Off to Austin” reception
surrounded by cutting edge technology providers,
payments service experts and organizations
poised to offer the solutions you seek in this very
dynamic exhibit hall. All registered attendees
may attend this event.
40
CONT E NT S

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2
8
Wednesday, April 28
41
CONT E NT S

Continental Breakfast
East Lobby, 6th Floor
8:00 a.m. - 8:30 a.m.
Corporate Payments: What
Businesses Want from their Banks
602/603
8:30 a.m. - 9:30 a.m.
Corporate Payments Solutions
As a result of the financial crisis, businesses have
dramatically changed their relationships with
financial institutions. Their need for solutions has
never been greater, but there is also incredible
volatility in deposit and credit relationships. Gain
insight into the minds of corporate treasurers as
revealed through quarterly surveys conducted
with North American corporate treasurers. Topics
covered in the session include changes in demand
for treasury services, approaches to managing
counter-party risks, and satisfaction gaps between
bankers and their corporate clients.
Level: Intermediate
Jeanne Capachin, AAP
Research Director, Financial Insights, an IDC Company
Linda Coven, CCM
Head of Online Banking Channel Solutions, Silicon
Valley Bank
Stephen Devine, CCM
Senior Vice President, RBS Citizens
Debunking the Myths About
the Unbanked & Underbanked:
Survey Findings
604
8:30 a.m. - 9:30 a.m.
The Payments Biz
This session presents findings from an in-person
survey conducted among 400 check cashing store
users. The speaker in this session debunks the
myths commonly held by bank executives, regu-
lators, and consumer advocates about unbanked
and underbanked consumers. Among these
myths is the belief that consumers are unbanked
or underbanked because of cultural and attitudi-
nal reasons. Instead, it reveals that people are
unbanked for very practical reasons, including
credit, pricing, cash flow, and service issues.
Fifty-three percent of unbanked consumers in
Aite Group’s survey cite credit issues as impedi-
ments, while an additional 28 percent face pric-
ing issues with checking accounts. Twelve
percent reference cash flow issues as a deterrent,
and seven percent mention service issues as con-
straining them. Greater education and marketing
wizardry is unlikely to succeed in attracting this
group to checking account relationships. The
only way for banks to seriously compete is to
deliver a better product and value proposition.
Level: Fundamental
Gwenn Bezard
Research Director, Aite Group
The End of Plastic: Payments in
2010 & Beyond
606
8:30 a.m. - 9:30 a.m.
The Payments Biz
Plastic credit and debit cards dominate our soci-
ety. However, as smart phones and sub-notebook
(Netbook) computers grow increasingly perva-
sive in the U.S., consumers will demand payment
solutions to take full advantage of these new
technologies. Many other countries, such as
Japan and Hong Kong, have already shifted
from a card-based payment system to one that
relies primarily on mobile phones. The speaker
previews new payment technologies under
development for the U.S. market, analyze their
potential impact, and discuss related implications
for corporate and retail payments alike.
Level: Intermediate
Aaron Greenspan
President & CEO, Think Computer Corporation
How to Take The Pain Out of
One-Time Payments
607
8:30 a.m. - 9:30 a.m.
Automated Clearing House
One-time electronic payments such as WEB and
TEL transactions occupy an ever-increasing share
of ACH Network volume. Due to the unique
challenges these payments create, many Origina-
tors either do not offer them as options to their
consumers, or offer them in limited circum-
stances. This can lead to higher card processing
fees and a perceived lack of payment choices as
consumers demand and expect more payment
flexibility. Speakers in this session discuss best
practices for processing one-time payments,
including risk mitigation, returns management,
MICR parsing, and the implementation of a
NOC application.
Level: Advanced
Steve Kramer
Vice President, Western Union
Laura Lee Orcutt, AAP
SVP, Group Product Manager, Wells Fargo
Lessons from the Front:
Payments in the Credit Crossfire
608
8:30 a.m. - 9:30 a.m.
Risk & Compliance
Leading economists have called the recent reces-
sion affecting the domestic and global economies
over the past two years, the most serious financial
crisis since the Great Depression. It encompasses
failures in the consumer, financial, industrial, and
business sectors of the economy. Speakers in this
session focus on the effects of the crisis on pay-
ments, payment methods, and working capital.
What should you do to protect your payments
process for both outgoing and incoming payments?
What does your access to credit have to do with
your payment strategies and those of your clients
and your vendors? What are the risks of sending
and receiving electronic payments? Do you know
what your ACH, remote check deposit (RDC),
and other electronic payment credit limits are?
Hear strategies, lessons learned, and best practices
from a panel of speakers addressing these and other
questions from both the corporate and financial
institution perspectives.
Level: Intermediate
Nicholas F. Alex, CTP
Director, Treasury Product Management, SunTrust
William Lundeen
Group Manager, Global Banking, Procter & Gamble
Deborah McSheffrey, CTP
Senior Level Treasury Professional
Sharon Petrey, CTP
Corporate Director Treasury, Coca-Cola Enterprises, Inc.
Earning Your Ph.D. in RDC
609
8:30 a.m. - 9:30 a.m.
Check Electronification
Spend time with a $2.7 billion, multi-unit business
that has been depositing all checks via remote
deposit capture (RDC) since October 2008.
Indiana University installed 100 scanners, and
trained nearly 300 users in ten months across
eight cities without increasing staff or travel.
Learn about the key components of their RFP,
how they implemented the system, and how using
RDC reduced deposit float, streamlined check
processing operations, improved interest income,
and paid for itself in the first year. How can other
areas of the university, including athletic depart-
ments and retail outlets, benefit from RDC?
Level: Intermediate
Ruth A. Harpool, AAP, CTP
Associate Director, Treasury Operation,
Indiana University
Sponsored by
Wednesday, April 28
42
CONT E NT S

Buy a Little Time: New Bill Pay
Models that Help Cash-Strapped
Consumers & Get Billers Paid!
604
9:45 a.m. - 10:45 a.m.
Corporate Payments Solutions
Since its inception in the mid-1990’s, online
bill payment has become ubiquitous; yet, little
has changed. User Interfaces have improved,
payment speeds are faster, but one key problem
remains - if consumers don’t have money they
can’t pay the bill. Traditional bill pay does little
to help consumers with this problem and must
turn to draconian channels to come up with
the funds. The current recession has led to this
problem reaching far beyond the traditional
ranks of the underbanked. Most Americans
routinely live paycheck to paycheck, and find
themselves short on funds. Now is the time for
change. In this groundbreaking session, learn
about new solutions that flip the bill pay model
on its head, giving consumers flexibility and
options, while protecting billers cash flow.
Level: Intermediate
Ryan Gilbert
Entrepreneur-in-Residence, Venrock Associates
Robin O’Connell
VP, Business Development, Billeo, Inc.
Hamed Shahbazi
Chairman & CEO, TIO Networks
Moderator: Brian Billingsley
Consultant, eCom Advisors
Cementing Your Future in
the Payments Industry:
Becoming an AAP
611
8:30 a.m. - 9:30 a.m.
Automated Clearing House
Is becoming an Accredited ACH Professional
(AAP) on your career map? Are you thinking
about taking the AAP exam this October, but
not sure where to begin? Speakers in this session
explore the purpose and value of the AAP designa-
tion and continuing education process, the scope
of the AAP Exam, and the practical steps that you
can take now to reach your destination by Octo-
ber. In addition, a newly-accredited AAP shares
her experience with the exam process and how this
important designation has enhanced her career.
Level: Advanced
Colleen B. Conway, AAP
Specialist, Banking Process, Semperian
Lisa Iselli, AAP
Education Coordinator, The Payments Authority, Inc.
Jennifer Kirk, AAP
Director, Training, EPCOR
Reloadable Prepaid Cards in
Branch – Research Study Results
612
8:30 a.m. - 9:30 a.m.
Card Solutions
Meta Payment Systems, Visa, and the Center for
Financial Services Innovation share results from
their recent research study conducted to identify
both the opportunity for reloadable prepaid cards
in financial institution branches as well as the
most effective sales channels and marketing
approaches. Attendees learn how to assess the
opportunity for reloadable prepaid card sales in
their branches, as well as how to train and market
this product within the branch environment.
Level: Intermediate
Karen Andres
Relationship Manager, Center for Financial Services
Innovation
Mick Conlin
SVP, Agent Product, Meta Payment Systems
Lisa McFarland
Senior Business Leader, Visa, Inc.
Mobile Payments in Action:
Five Case Studies from Around
the World
613/614
8:30 a.m. - 9:30 a.m.
Global Focus
Speakers in this session present five examples of
operational mobile payment systems from around
the world: Multiple Bank Participants, Bank-
Mobile Operator Partnership, Multiple Mobile
Operator Participants, Single Mobile Operator
Proprietary, and Third-Party Proprietary. By
examining different sponsorship models tried
in various regions, participants gain a greater
understanding of potential business models and
learn how to develop strategies to take advantage
of multiple models that may be present in their
region. Speakers reference the results of a North
American consumer survey on mobile payments,
as well as a forecast of mobile device adoption,
showing the potential market for different levels
of mobile services.
Level: Fundamental
Brian J. DuCharme
VP, Business Leader-MoneySend N. America,
MasterCard Worldwide
Aaron McPherson
Research Director, Financial Services, Financial Insights,
an IDC Company
Leveraging Business-to-Business
Networks to Build Market
Advantage
602/603
9:45 a.m. - 10:45 a.m.
Corporate Payments Solutions
The late 2009 expansion in several business-to-
business networks shows that B2B markets are
maturing, achieving quantifiable results, and
extending their global functionality. Enabling the
full automation and integration of order-to-pay-
to-post processes, including financing alterna-
tives, business-to-business networks are now
able to deliver significant benefits to their
participants. In this informative session, speakers
overview B2B payment networks and their
drivers, providing clear case study evidence
supporting the use of network services to create
market advantage for participating stakeholders,
including financial institutions, and either
corporate or government suppliers and buyers.
Level: Intermediate
Jeffrey Cousins
SVP, Corporate Payment Systems, U.S. Bank
Richard G. Langer
Chief Operating Officer, Syncada
Ray Mulhern
Senior Advisor, Camino Consulting
Wednesday, April 28
43
CONT E NT S

The Trusted Service Manager –
Pivot Point in Mobile Payments
607
9:45 a.m. - 10:45 a.m.
The Payments Biz
This session introduces a framework for
understanding why mobile payments are finding
dramatic success in countries like Kenya and the
Philippines, while still being close to a non-
starter in the U.S. and other developed markets.
Learn how these markets are likely to unfold and
how you can position your organization to take
the best advantage of the changes. This session
includes tactical steps that banks can take now to
drive value as these changes come about.
Level: Intermediate
Chip Wickenden
Payments Executive
Migrating High-Cost Consumer
Payments to Lower Cost
Alternatives
608
9:45 a.m. - 10:45 a.m.
Automated Clearing House
In a dynamic payments world with seemingly
endless combinations of payment channels and
methods, what can a biller do to migrate its
customers to lower-cost options? Learn how
changes in biller’s approaches are spurring
consumer adoption of electronic payments and
how you can change consumer payment habits
by offering electronic billing and payment, either
on your company’s or a third-party’s Web site.
Level: Intermediate
Ed Bachelder
Director, Research, BlueFlame Consulting, LLC.
Mark Breyer
Receivables Director, American Family Insurance
Company
Growing Risk & Challenges of
e-Payments Enrollments
606
9:45 a.m. - 10:45 a.m.
Risk & Compliance
According to NACHA, there were 747 million
ACH WEB bill payment transactions in 2008.
The growing use of e-payments by consumers
presents a challenge to financial services
organizations in several areas. While the online
environment is a low-cost channel for processing
payments, the exposure to risk and fraud is
increased. In addition, a long or complicated
enrollment process raises the abandonment rate,
thereby resulting in lost potential revenue or
unhappy customers. To combat these challenges,
systems should be in place that simply and
quickly verify as much information as possible,
including account owner authorization and
account status. Currently, financial institutions
have contributed more than 145 million
accounts and more than 204 million account
holders to the National Shared Database.
With this shared information, FSOs can use
Account Owner Authentication as a first filter
for e-payments. Adding shared account status
information ensures more protection. Speakers
in this session share information about the risks,
challenges, opportunities, and benefits of
e-payments; how critical first filters in the
e-payments; processes to help reduce fraud and
losses, while increasing revenue and enhancing
customer service; and details how contributing
Account Owner Elements data and Account
Status data to the National Shared Database
delivers enterprise-wide benefits.
Level: Fundamental
Kim Duncan
FVP, Enterprise Fraud Management, SunTrust
Jim Mortensen
Vice President, Early Warning Services, LLC
On the Phone & At Home:
Consumer Deposit Capture
609
9:45 a.m. - 10:45 a.m.
Check Electronification
The consumer deposit capture stories are like so
many in retail payments. Consumer buy-in pivots
on the question of acceptance of the technology.
Are scanners on the desktop and mobile phones
in the pocket enough to convince consumers to
embrace the future of remote deposit capture?
The tools are already familiar, so what will
determine if banks succeed in rolling out winning
consumer deposit capture programs? How will
consumer deposit capture technology be
leveraged to attract small business adoption?
Speakers provide a case study of the consumer
capture experience, with emphasis on the wins
and opportunities.
Level: Intermediate
Jim Debello
CEO, Mitek Systems, Inc.
John Leekley
Founder & CEO, RemoteDepositCapture.com
Rod Springhetti
VP, Business Planning, Global Payment Solutions,
Fiserv
Property Management
Payment Needs
611
9:45 a.m. - 10:45 a.m.
Corporate Payments Solutions
As financial institutions prioritize core deposit
growth, property management has emerged as
an important vertical. Speakers in this session
provide first-hand experiences from a progressive
property management organization on their
payment needs and challenges and the value of a
comprehensive payments solution to meet these
needs. Topics include how to build customer
loyalty by understanding the unique payment
needs and challenges of property managers;
differentiate your financial institution from the
competition by offering an payments solution
specific to property management; deepen your
existing client relationships and build new ones;
and grow core deposits by focusing on one of the
most deposit-rich verticals in the industry.
Level: Fundamental
Steve Buchberger
SVP, Strategic Business Development, Wausau Financial
Systems, Inc.
Jennifer Johnson
Officer Manager, HPI Properties, LLC
Wednesday, April 28
44
CONT E NT S

Wednesday, April 28
Creating a Payments Hub
in Real Life
606
11:00 a.m. - 12:00 p.m.
The Payments Biz
The speaker in this session examines a bank’s
real-world experience - the implementation details
and organizational approaches - in the creation of a
payments hub. An agile approach was used, both
top-to-bottom and bottom-to-top, built up from
individual business units’ requirements. Each
requirement included a progressive build approach
based on the principles of services-orientation
and a consistent standards-based framework design.
This process built common business functions
reused for business unit needs to build the pay-
ments hub one value proposition at a time. The
project progressed over the past four years with
ROI for each step in the progression. Services
for information reporting, payment, fraud, debt,
and commercial card are in production and
available for reuse.
Level: Advanced
David Jackson
WW Sales Leader, Banking Industry, IBM Corporation
Payment Notification & Tracking for
Wire Transfers
607
11:00 a.m. - 12:00 p.m.
The Payments Biz
All of the major parcel delivery companies offer
popular package tracking and notification services,
but payment providers lag behind. These services
could be especially useful when a payment is
traveling through multiple correspondent banks
located across multiple national jurisdictions.
Pinpointing the source of a delay in such situations
can currently be manually intensive and frustrating.
In the fourth quarter of 2010, the wire transfer
operators will implement a new message format
that will have dedicated fields to carry tracking and
notification data in the payment message. Industry
participants have begun to discuss possible ways to
use the new format fields for tracking and notifica-
tion services. Presenters describe the new tracking
and notification data elements contained in wire
transfer messages, discuss various business models
that could leverage the new fields to offer tracking
and notification services, and describe similar
services implemented in other markets.
Level: Fundamental
Eileen Dignen
Head, Banking Initiatives, SWIFT
Ken Isaacson
Vice President, Federal Reserve Bank of New York
Michael Knorr
Managing Director, Citigroup
How Johns Hopkins University
Used A/P Card Settlement to
Drive Working Capital & Fund
Automation
602/603
11:00 a.m. - 12:00 p.m.
Corporate Payments Solutions
Treasurers today face the challenge of looking for
new and creative ways to reduce costs while mak-
ing necessary technology and service investments
that deliver improved cash flow, increased rev-
enue, and enhanced operational efficiencies. In
this case study, Johns Hopkins University and J.P.
Morgan share their best practices in implementing
a fully automated A/P solution. Speakers outline
steps to building an effective business case, and
demonstrate the revenue-generating potential of
the solution in order to achieve buy-in from uni-
versity administration. This presentation illus-
trates the importance of creativity when it comes
to funding initiatives in a difficult budget environ-
ment. Speakers also look at the value of working
with a banking partner to get the most out of
solutions available in the marketplace today.
Level: Intermediate
Gregory Kerwick
Managing Director, Advisory Solutions Executive,
J.P. Morgan
Kaliopi Provencher
Director of Treasury Operations,
Johns Hopkins University
Self-Service: Beyond ATMs &
Banking Services
604
11:00 a.m. - 12:00 p.m.
Card Solutions
Self-service technology is proliferating across
many industries and simplifying consumers’ lives,
from the grocery store self-check out to DVD
rentals to airline tickets, casinos and pharmacy
information. Innovation around self-service
within the financial services sector will go far
beyond the traditional ATM. Growing consumer
demand for efficiency and accessibility, whether
by laptop, mobile or kiosk, combined with the
retailer’s drive to increase customer loyalty and
influence purchase behavior, are key forces
behind the future of self-service technology.
In this session, attendees learn how technology
will propel self-service in both the virtual and
brick-and-mortar environments. Included are
self-service solutions for banked and unbanked
consumers as well as applications for employers
to enhance employee satisfaction while
managing expenses.
Level: Intermediate
Ashim Banerjee
CIO, TSYS Acquiring Solutions
ACH Marketing:
Finding Common Ground
612
9:45 a.m. - 10:45 a.m.
Automated Clearing House
The end game for all ACH Network participants
is network volume growth, and working together
to promote the widespread deployment of effec-
tive ACH marketing programs is critical. In this
session, attendees hear from representatives of
both ACH operators what they’ve learned about
developing marketing plans, identifying target
markets, and coming up with effective and
efficient ways to reach those markets. Find out
what opportunities still exist to expand ACH
network volume, and leave this session with
some ideas on how to benefit from those
opportunities. In addition, FMS presents
information pertaining to the success of the
Go Direct campaign. Presenters describe
concrete, actionable tactics and practices
that you can put to immediate use.
Level: Fundamental
Diane L. Freeman, AAP
Marketing and Communications Manager, Federal
Reserve Bank of Atlanta
Tepricka Morgan
Senior Marketing Specialist, U.S. Department of the
Treasury, FMS
Mark Tizzard
Strategic Product Development Manager,
The Clearing House
Capturing an Elusive Market –
The World of Global Remittances
613/614
9:45 a.m. - 10:45 a.m.
Global Focus
In every corner of the globe, sending money
back home generates an enormous volume
of low-value, non-urgent payments. These
remittances require different processes and
even different technology than more traditional
payments. Speakers discuss operational and
technical changes under implementation to offer
new remittance models, including closed loop,
SWIFT remittance using correspondent banking,
and the Fed model available as of April 2010.
Level: Fundamental
Michael Bellacosa
Director, Product Management, BNY Mellon
Stephen Gehring
Head of SWIFT, San Francisco, SWIFT
Ernest Gregg
Treasurer, RIA Communications
Wednesday, April 28
45
CONT E NT S

Developing Best Practices
for Exchanging Healthcare
Payment Data
611
11:00 a.m. - 12:00 p.m.
The Payments Biz
In the healthcare industry, operating rules to
guide the exchange of payment information are
inconsistent and result in a growing number of
diverse peer-to-peer connections. Secure, private,
authenticated exchanges of payment information
are essential, but unique connections complicate
the exchange of information, resulting in higher
costs. Streamlining payment exchanges requires
the industry to establish a uniform set of operat-
ing rules and best practices to safely and securely
pass patients’ healthcare information between
providers and payers. Speakers share preliminary
results from a collaborative partnership that is
conducting a six-month pilot program to test a
secure encryption and authentication platform
for exchanging healthcare payment information.
Speakers review the current difficulties stemming
from the lack of a comprehensive solution for
authentication, describe preliminary findings
from the pilot program, suggest requirements for
ensuring safe and secure payment exchanges for
all stakeholders, and discuss next steps to estab-
lish a single set of operating rules for exchanging
payment information.
Level: Fundamental
Jeff Barnett
Director, Healthcare Solutions, VeriSign, Inc.
Gwendolyn Lohse
Deputy Director & Managing Director, CAQH
RDC for Small Businesses –
The Good, The Bad & The Ugly
612
11:00 a.m. - 12:00 p.m.
Check Electronification
Small businesses have unique value propositions
that pose some challenges for standard remote
deposit capture solutions - including the need for
integration with accounting software, front-end
authorizations and returns handling. Presenters
share the findings of an Aite Group survey of
approximately 300 small-business owners reveal-
ing what factors would drive them to use RDC
and which marketing tactics are the most effec-
tive. Speakers also provide different examples of
remote deposit capture solutions offered today to
small businesses.
Level: Intermediate
Tami Barron
Product Manager, Intuit
Christine Barry
Research Director, Aite Group
A Changing Payments Landscape
Requires Innovative Fraud
Management
608
11:00 a.m. - 12:00 p.m.
Risk & Compliance
Radical change in bank payment systems has led to
increased productivity, new business development
opportunities, and more fraud. By exploring the
evolution of payment systems and the fraud pre-
vention strategies and tactics currently in place at
financial institutions, speakers in this session
identify key opportunities to detect more fraud,
mitigate risk, and minimize losses. Why does
payment systems integration remain an elusive
goal? Why do fraud prevention systems fail to
detect cross-channel fraud? What can banks can do
to mitigate cross-channel fraud risk? Speakers
examine fundamentally new approaches to detect-
ing and preventing fraud in payment systems and
examine how loss prevention professionals can pre-
pare for the continued evolution of the payments
system.
Level: Intermediate
Kim Duncan
FVP, Enterprise Fraud Management, SunTrust
Shirley Inscoe
Director, Financial Services Solutions, Memento, Inc.
Leveraging Best Practices for
International ACH Payments &
OFAC
609
11:00 a.m. - 12:00 p.m.
Automated Clearing House
The U.S. is rapidly adapting to the globalization of
commerce, further integrating the flow of funds and
remittance information into the global economy.
As a result, more financial institutions will be able
to provide international payment services to their
customers. However, along with these new business
opportunities, come new compliance requirements,
which are unique for international ACH payments.
Speakers in this session take a closer look at the
new NACHA rules and provide a best practices
point of view. Attendees learn best practices from a
money services business (MSB) compliance per-
spective on how to partner with their ODFI to
understand their compliance obligations, as well as
the banker’s perspective concerning how banks
identify appropriate risks to measure and how to
comply with OFAC. Attendees leave with a better
understanding of how banks evaluate risk associ-
ated with a particular client or industry and a
checklist to use when initiating an IAT.
Level: Intermediate
William K. Grace, AAP
VP, GTM Product Management, KeyBank
Anthony Luis Rodriguez
Chief Global Compliance Officer, RIA Financial Services
Did the World Learn from SEPA?
613/614
11:00 a.m. - 12:00 p.m.
Global Focus
The sub-Sahara countries of Africa and the
Middle East and Northern African countries are
looking at creating a single payment areas with a
common standard and rules to exchange pay-
ments between participating countries. Speakers
in this session examine what is happening with
the projects, timeframes, and expectations.
Level: Advanced
Sandra Horn
Lead Product Manager, ACI Worldwide
John A. Johnson
First Vice President, Treasury Services, BNY Mellon
James Wills
Sr. Business Manager, Banking Initiatives, SWIFT
Moderator: Nancy Atkinson, CCM
Senior Analyst, Aite Group
46 CONT E NT S

Sponsors
Lanyards
320 Nevada St
Newton, MA 02460
ACI Worldwide is a leading provider of soft-
ware and services solutions to initiate, manage,
secure and operate electronic payments for
major banks, retailers and processors around the
world. ACI products deliver payment process-
ing, online banking, fraud prevention and
detection, and back-office services.
Contact: Kimberly Rowell
Phone: 617-796-7700
Fax: 617-243-0033
E-mail: kimberly.rowell@aciworldwide.com
URL: www.aciworldwide.com
Notes Section of Onsite Conference
Guide
325 Corporate Drive
Portsmouth, NH 03801
Bottomline Technologies provides collaborative
payment, invoice and document automation
solutions to global corporations, financial insti-
tutions and banks. Bottomline’s solutions are
used to streamline, automate and manage
processes surrounding cash management and
supply chain finance. Organizations trust these
solutions to reduce costs, create competitive
differentiation and optimize working capital.
Contact: Heather Bridges
Phone: 800-243-2528
E-mail: info@bottomline.com
URL: www.bottomline.com
Industry Agenda & Education Sponsor
Payments Biz Track
5650 Blazer Parkway
Dublin, OH 43017
eCom Advisors provides executive consulting,
research and data analytics services to a broad
range of clients, including banks, billers, ven-
dors and investors. eCom is the market leader
in the bank online channel, electronic pay-
ments and financial technology, with 175+
years of experience.
Contact: Fred Brothers
Phone: 614-734-8376
Fax: 614-734-8533
E-mail: info@ecomadvisors.com
URL: www.ecomadvisors.com
Industry Agenda & Education Sponsor
Corporate Payments Track
38 Fountain Square Plaza
Cincinnati, OH 45263
With more than 150 years of experience, Fifth
Third Bank has the expertise, leadership and
innovative technologies to help your organiza-
tion succeed in a rapidly changing marketplace.
As a trusted partner, we are committed to pro-
viding comprehensive, integrated solutions to
help streamline your payments operations and
optimize your cash flow.
Contact: Betsy Ratcliff
Phone: 312-704-6846
Fax: 312-704-2982
E-mail: betsy.ratcliff@53.com
URL: www.53.com
Monday Night Celebration
255 Fiserv Drive
Brookfield, WI 53045
Fiserv is a leader in financial services technol-
ogy solutions, driving innovation in Payments,
Processing Services, Risk & Compliance, Cus-
tomer & Channel Management, and Insights
& Optimization. More than 16,000 clients trust
Fiserv, including banks, credit unions, and
other financial institutions and business clients.
Visit us at Booth #400 or www.fiserv.com.
Contact: Joan Skimmons
Phone: 800-872-7882
E-mail: getsolutions@fiserv.com
URL: www.fiserv.com
Thought Leadership Spotlight
30 Montgomery Street, Suite 501
Jersey City, NJ 07302
Fundtech (NASDAQ:FNDT) provides soft-
ware solutions and services that facilitate pay-
ments, settlement and cash management by
enabling banks to electronically manage cash,
process payments and transfer funds. The Com-
pany’s products are designed to increase effi-
ciency while enabling banks to better serve
their corporate clients. Contact:
www.fundtech.com
Contact: Allison Liantonio
Phone: 201-946-1100
Fax: 201-946-1313
E-mail: allison.liantonio@fundtech.com
URL: www.fundtech.com
Opening General Session
IBM helps financial services clients to drive
profitable growth, balance costs with agility,
and improve their risk management and indus-
try differentiation. Our deep industry experi-
ence in integrating the hardware, software and
services help clients holistically bridge their
business and IT strategies.
Contact: James Wallis
E-mail: wallis@us.ibm.com
URL: www.ibm.com/banking
These logos are registered trademarks or are considered other intellectual property of their respective companies
in the United States and other countries and are used under license and/or permission.
47 CONT E NT S

Sponsors
Monday Morning Breakfast
Monday Morning Breakfast
4301 Hacienda Drive , Suite 550
Pleasanton, CA 94588
Javelin has the most up-to-date information
on financial industry practices, including
the latest in market trends and consumer
preferences. Our extensive, quantitative data
combined with insider experience enable us
to forecast the direction of the financial
services market and make recommendations
for businesses to succeed.
As the leading provider of nationally-
representative quantitative research and
strategic recommendations, Javelin presents
its clients with unparalleled advantages.
Visit our website to learn more.
Contact: Edward Wargo
Phone: 925-225-9100
Fax: 925-225-9101
E-mail: ewargo@javelinstrategy.com
URL: www.javelinstrategy.com
Industry Agenda & Education Sponsor
Automated Clearing House Track
One Chase Manhattan Plaza
New York, NY 10005
J.P. Morgan is a leader in global payment and
treasury services to corporations, financial serv-
ices companies and governments worldwide.
We have been the #1 provider of U.S. ACH
services since the inception of the network.
J.P. Morgan’s comprehensive payment and col-
lections solutions serve the diverse needs of our
clients globally.
Contact: Pat Thelen
Phone: 212-552-6166
E-mail: pat.r.thelen@jpmchase.com
URL: www.jpmorgan.com
Conference Pens
127 Public Square
Cleveland, OH 44114
KeyBank’s Treasury Management team delivers
consultative cash management solutions and
state-of-the art technology to help you meet
your financial goals. Cleveland-based KeyCorp
(NYSE: KEY) is one of the nation’s largest
bank-based financial services companies, with
assets of $93 billion.
Contact: Annette Hazapis
Phone: 800-821-2829
E-mail: Annette_hazapis@keybank.com
URL: www.key.com/globaltreasury
Industry Agenda & Education Sponsor
Card Solutions Track
2000 Purchase St
Purchase, NY 10577
MasterCard Worldwide advances global
commerce by providing a critical economic
link among financial institutions, businesses,
cardholders and merchants worldwide.
MasterCard develops and markets payment
solutions, processes approximately 21 billion
transactions each year, and provides analysis
and consulting services to financial-institution
customers and merchants in more than
210 countries.
Phone: 914-249-200
URL: www.mastercard.com
Hotel Guest Room Key Cards
620 Liberty Ave
Pittsburgh, PA 15222
As the fifth largest financial institution in the
country, and one of the top treasury manage-
ment providers, PNC’s industry experts have
hands-on experience helping organizations of
all sizes tackle financial challenges every day so
they can achieve their goals and maximize the
value of their business.
Contact: Paul Trozzo
Phone: 412-762-3726
E-mail: paul.trozzo@pnc.com
URL: www.pnc.com/treasury
Tuesday Morning Refreshment Break
600 Washington Blvd
Stamford, CT 06901
The Royal Bank of Scotland is one of the
world’s foremost financial services companies,
with an extensive global network serving more
than 40 million customers. As a top 5 global
payments provider, our Global Transaction
Services business offers expertise in interna-
tional cash and liquidity management, trade
finance, merchant acquiring.
URL: www.rbs.com/ci
AAP Reception
Regional Payments Associations provide
ACH information and resources to financial
institutions, corporations, e-commerce compa-
nies and payments technology providers around
the country. Each of the 18 Regional Payments
Associations stands as a separate organization
and as Direct Members of NACHA, we serve
the common cause of providing essential bene-
fits including ACH Rules guidance and opera-
tional support, ongoing education and training,
audit services, marketing tools and guidance,
publication sales, and more.
For more information, contact your Regional
Payments Association.
URL: http://www.nacha.org/c/RegPayAssoc.cfm
EventMobile TripBuilder
705 Westech Drive
Norcross, GA 30092
S1 delivers a powerful set of online and mobile
banking solutions for banks to provide their
small businesses to large corporations. Leading
financial institutions worldwide utilize S1’s
full-featured payments engine to deliver global
payment solutions – ACH including IAT, CTX,
domestic and international wires, SWIFT,
BACS, CHAPS, multi-currency drafts, and
more.
Contact: Missy Rose
Phone: 404-923-3500
E-mail: missy.rose@s1.com
URL: www.s1.com
Regional Payments Associations
48 CONT E NT S

Industry Agenda & Education Sponsor
Risk & Compliance Track
SAS Campus Dr
Cary, NC 27513
SAS
®
Fraud Management, developed in part-
nership with HSBC, is the only solution on the
market that can stop fraud in its tracks with
real-time scoring of all card transactions—
purchase, payment and nonmonetary—for
faster, more accurate fraud detection on a global
scale. Learn more: www.sas.com/cardfraud.
Contact: Sharon Hia
Phone: 919-531-4926
Fax: 919-531-9441
E-mail: sharon.hia@sas.com
URL: www.sas.com/cardfraud
Industry Agenda & Education Sponsor
Global Focus Track
4600 Lakehurst Ct
Dublin, OH 43016
Sterling Commerce, an AT&T Inc. (NYSE: T)
company, helps companies optimize and trans-
form their Business Collaboration Network to
accelerate revenues and reduce costs. Sterling
Commerce provides more than 30,000
customers worldwide applications and integra-
tion solutions to connect, communicate and
collaborate inside and outside their enterprise.
More information can found at
www.sterlingcommerce.com.
Contact: Jill Leffler
Phone: 614-793-7000
Fax: 614-734-5601
E-mail: jill.leffler@stercomm.com
URL: www.stercomm.com
Chairperson’s Leadership Reception
1999 Bryan, Suite 3600
Dallas, TX 75201
SWACHA is the resource of choice for educa-
tion, training, payments system risk manage-
ment and knowledge about electronic
payments. To take advantage of our superior
quality training, unique resource materials,
audit services, risk management assessment and
consulting services, visit us at www.swacha.org
or call (800)475-0585
Contact: Dennis Simmons
Phone: 800-475-0585
Fax: 214-438-4515
E-mail: info@swacha.org
URL: www.swacha.org
Industry Agenda & Education Sponsor
Check Electronification Track
420 Montgomery Street
San Francisco, CA 94104
Wells Fargo offers the strength, stability, and
staying power you expect in a bank along with
the highest quality Treasury Management prod-
ucts and service rated A+ by our customers.
Look to us for innovative, technology-based
solutions to help you succeed in the economic
environment of the “new normal.”
Phone: 800-858-4062
URL: www.wellsfargo.com
Wireless Internet
12500 E. Belford Ave
Englewood CO, 80112
Western Union
®
Global Business Payments
offers comprehensive payment services designed
for both businesses and bill paying consumers.
We are a market leader in walk-in and expe-
dited electronic payment solutions, and a lead-
ing provider of cross-border payment services
that help clients improve cash flow, reduce
costs and streamline processing.
Contact:
Doug Reynolds, Director Business Development
Phone: 760-480-8376
E-mail: doug.reynolds@westernunion.com
URL: http://payments.westernunion.com
Umbrellas
3600 Bridge Parkway, Suite 200
Redwood City, CA 94065
Yodlee is changing the face of online banking
with integrated PFM, payments and account
opening solutions that generate revenue, lower
costs, decrease risk/fraud, and deepen customer
engagement, giving financial institutions a bet-
ter choice. Yodlee powers innovative services
for 41 of the top 50 financial institutions and
25+ million consumers.
Contact: Melanie Flanigan
Phone: 650-980-3600
Fax: 650-980-3602
E-mail: mflanigan@yodlee.com
URL: www.yodlee.com
Sponsors
49 CONT E NT S

FIS
Research Partner
601 Riverside Ave
Jacksonville, FL 32204
A leading global provider of banking and pay-
ments technologies, FIS provides financial
institution core processing, and card issuer and
transaction processing services, including the
NYCE Network to more than 14,000 financial
institutions and businesses in more than 90
countries worldwide.
Contact: Sales
Phone: 800-822-6758
E-mail: fis.info@fisglobal.com
URL: www.fisglobal.com
PayPal.com
Research Partner
2211 N. First St
San Jose, CA 95131
PayPal Financial Innovations enable you to
quickly deliver the cutting-edge products your
customers are demanding. Find out how you
can offer personal payments within your online
or mobile banking application, transform your
rewards program so that your customers can
spend virtually anywhere online, reduce loss
with enhanced identity verification, and more.
Contact: Dan Schatt
Phone: 415-706-1374
E-mail: dschatt@paypal.com
URL: www.paypal.com
Research Partners
New Industry Research
NACHA is pleased to introduce new industry research at the PAYMENTS conference in collaboration
with eCom Advisors and participating corporate sponsors. The results and industry implications of the
studies will be shared at sessions on Monday, April 26 and Tuesday, April 27. Copies of the research
briefs are available at the booths of FIS (booth #417) and PayPal (booth #902), the research partners
that funded the studies.
Driving e-Payments Adoption:
The Consumer Perspective
Monday, April 26
Room 613/614
11:15 a.m. – 12:15 p.m.
Research Partners: FIS and PayPal
Mobile Banking & Payments:
My Phone is Still Smarter than Yours
Tuesday, April 27
Room 613/614
1:30 p.m. – 2:30 p.m.
Research Partner: FIS
Exhibitors
Online Resources . . . . . . . . . . . . . . . . . . . . .208
Open Solutions Inc. . . . . . . . . . . . . . . . . . . .436
PacNet Services Ltd. . . . . . . . . . . . . . . . . . . .228
Panini . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .900
PaymentVision . . . . . . . . . . . . . . . . . . . . . . .306
PayPal Financial Innovations . . . . . . . . . . . .902
Pertech Resources, Inc. . . . . . . . . . . . . . . . . .209
Pervasive Integration . . . . . . . . . . . . . . . . . .224
PreCash, Inc. . . . . . . . . . . . . . . . . . . . . . . . .831
ProfitStars, a Jack Henry Company . . . . . .601
RDM Corporation . . . . . . . . . . . . . . . . . . . .201
RemoteDepositCapture.com . . . . . . . . . . . .625
Secure Vault Payments™ . . . . . . . . . . . . . . .910
Sierra Atlantic, Inc. . . . . . . . . . . . . . . . . . . .736
SignatureLink, Inc. . . . . . . . . . . . . . . . . . . .337
SQN Banking Systems . . . . . . . . . . . . . . . . .832
Software AG . . . . . . . . . . . . . . . . . . . . . . . .907
Sterling Commerce, an AT&T Company . .329
SunGard . . . . . . . . . . . . . . . . . . . . . . . . . . . . .200
SurePayroll . . . . . . . . . . . . . . . . . . . . . . . . . . .733
SWIFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .223
Sybase Financial Fusion . . . . . . . . . . . . . . . .217
SYNCADA from Visa . . . . . . . . . . . . . . . . .316
Syniverse Technologies . . . . . . . . . . . . . . . .913
Systar, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . .216
The Bancorp Bank . . . . . . . . . . . . . . . . . . . .825
The Clearing House . . . . . . . . . . . . . . . . . . .409
Think Computer Corporation . . . . . . . . . .212
ThreatMetrix . . . . . . . . . . . . . . . . . . . . . . . .833
US Dataworks . . . . . . . . . . . . . . . . . . . . . . . .322
U.S. Dept of the Treasury, FMS . . . . . . . . . .231
VASCO Data Security . . . . . . . . . . . . . . . . .836
VSoft Corporation . . . . . . . . . . . . . . . . . . . .803
WAUSAU Financial Systems . . . . . . . . . . .725
Western Union Global Business Payments 701
Yodlee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .309
Exhibit Hall Hours for Attendees
Monday, April 26
Exhibit Hall Open for attendees
10:15 a.m. – 5:00 p.m.
Refreshment Break
10:15 a.m. - 11:15 a.m.
Luncheon in the Exhibit Hall
12:15 p.m. - 1:15 p.m.
Closed for Industry Agenda from 2:45 p.m. -
3:45 p.m.
Refreshment Break
3:45 p.m. - 4:30 p.m.
Exhibit hall closes
5:00 p.m.
Tuesday, April 27
Exhibit Hall Open for attendees
9:00 a.m. – 4:30 p.m.
Refreshment Break
9:15 a.m. – 10:00 a.m.
Closed for Payments System Awards luncheon
from 11:30 a.m. – 1:15 p.m.
Refreshment Break
2:30 p.m. – 3:15 p.m.
Exhibit hall closes to set for reception
4:30 – 5:30 p.m.
PAYMENTS 2010 Kickoff Reception
5:30 p.m. – 7:00 p.m.
50
CONT E NT S

3Delta Systems, Inc. . . . . . . . . . . . . . . . . . . .324
3i Infotech . . . . . . . . . . . . . . . . . . . . . . . . . . .429
Accuity . . . . . . . . . . . . . . . . . . . . . . . . . . . . .809
ACE Software Solutions, Inc. . . . . . . . . . . .829
ACH Alert . . . . . . . . . . . . . . . . . . . . . . . . . .211
ACH Federal, LLC . . . . . . . . . . . . . . . . . . . .328
ACI Worldwide . . . . . . . . . . . . . . . . . . . . . . .617
Actimize . . . . . . . . . . . . . . . . . . . . . . . . . . . .908
Affirmative Technologies, Inc. . . . . . . . . . . .312
American Payroll Association . . . . . . . . . . .830
Association for Financial Professionals . . . .230
Axletree Solutions, Inc. . . . . . . . . . . . . . . . .237
Axway . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .336
CashEdge . . . . . . . . . . . . . . . . . . . . . . . . . . . .437
ClairMail . . . . . . . . . . . . . . . . . . . . . . . . . . . .423
Clear2Pay Americas . . . . . . . . . . . . . . . . . . .218
Data Support Systems . . . . . . . . . . . . . . . . . .903
DirectFED Payment Solutions . . . . . . . . . . .906
Dovetail . . . . . . . . . . . . . . . . . . . . . . . . . . . . .536
Dow Jones Risk & Compliance . . . . . . . . . .210
DST Output . . . . . . . . . . . . . . . . . . . . . . . . .901
EastNets . . . . . . . . . . . . . . . . . . . . . . . . . . . . .912
EFC Systems, Inc. . . . . . . . . . . . . . . . . . . . . .801
EFX Corporation . . . . . . . . . . . . . . . . . . . . . .233
eGistics, Inc. . . . . . . . . . . . . . . . . . . . . . . . . .828
Elavon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .310
Epson America, Inc. . . . . . . . . . . . . . . . . . . .816
Federal Reserve Banks . . . . . . . . . . . . . . . . .317
Financial Transmission Network, Inc. . . . . .928
First Data . . . . . . . . . . . . . . . . . . . . . . . . . . . .204
FIS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .417
Fiserv . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .400
Fundtech Corporation . . . . . . . . . . . . . . . . .629
GIFTS Software, Inc. . . . . . . . . . . . . . . . . . .229
Govolution, LLC . . . . . . . . . . . . . . . . . . . . . .737
GXS, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . .637
Heartland Payment Systems . . . . . . . . . . . . .724
IDology, Inc. . . . . . . . . . . . . . . . . . . . . . . . . .232
Infosys Technologies . . . . . . . . . . . . . . . . . . .909
Intuit Financial Services . . . . . . . . . . . . . . . .805
Laru Corporation . . . . . . . . . . . . . . . . . . . . . .729
LendingTools.com . . . . . . . . . . . . . . . . . . . . .332
Montran Corporation . . . . . . . . . . . . . . . . . .236
NACHA . . . . . . . . . . . . . . . . . . . . . . . . . . . .607
NetDeposit . . . . . . . . . . . . . . . . . . . . . . . . . . .207
Norkom Technologies . . . . . . . . . . . . . . . . . .222
Norman Technologies . . . . . . . . . . . . . . . . . .813
Look for this Prize Drawing Icon
NACHA is putting a new twist on the traditional
Tuesday Evening Reception prize drawing
announcements. Instead of announcing the prize
drawings at one dedicated location, prize winners
will be announced in a round robin format from
designated exhibitor booths. This icon by an
exhibitors name indicates they plan on having a “prize”
and the winner will be announced from their booth.
Exhibit Hall Floor Plan
51
CONT E NT S

Reserve Exhibit Space Now for PAYMENTS 2011 in Austin!
Booking onsite at PAYMENTS 2010 for PAYMENTS 2011 provides exhibitors with the opportunity to
select premium locations on the floor, as well as save resources by taking advantage of early booking rates.
CURRENT 2010 PAYMENTS EXHIBITORS
Don’t miss this opportunity to select your preferred space, upgrade your booth, and save with early
booking rates. You have been given a time on the morning of Tuesday, April 27 to come to the sales
office to rebook exhibit space for 2011. If you have a conflict, come by the sales office to reschedule.
NEW 2011 PAYMENTS EXHIBITORS
Looking to exhibit at the industry’s leading event next year but weren’t an exhibitor this year?
Stop by the sales office after noon on Tuesday, April 27 to ensure you get a great location and can
save with early booking rates.
Attendee
Entrance
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GATE 4
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10'x10'
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217 316
902 903
For more information on
PAYMENTS 2011
exhibit and sponsorship
packages, visit
www.payments.nacha.org.
Since 2002, Conference Archives has been
providing digital archives of the proceedings
from PAYMENTS on an annual basis. Producing
a multimedia product from the conference has
saved an average of over
one million sheets of
paper each year!
In fact, by con-
tinuing to make
conference ma-
terials available
to you in this
manner, NACHA
has saved nearly
200,000 pounds
of paper, and nearly
3.5 million pounds of
greenhouse gases!
We are all aware of the negative impact these
printed versions could have had on landfills,
not to mention the forests from which the paper
would have been harvested, and Conference Archives
is proud to have been a part of NACHA’s strategy to
help our environment!
Don’t forget to stop by the PAYMENTS 2010 Multimedia Sales Booth to show your support of one more
way NACHA is Going Green!
Stayi ng Green Wi th NACHA!
Conference Archives applauds
NACHA - e Electronic Payments Association
on continuing to stay green at PAYMENTS 2010!
O
r
d
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r
y
o
u
r
P
A
Y
M
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N
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2
0
1
0
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D
-R
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Stayi ng Green Wi th NACHA!
w w w . c o n f e r e n c e c a r t . c o m
CONT E NT S

Exhibitors
53
CONT E NT S

3Delta Systems, Inc.
®
(3DSI) 324
14151 Newbrook Dr, Suite 200
Chantilly, VA 20151
3DSI is a recognized leader in delivering secure,
Internet-based purchase and credit card pro-
cessing solutions to enterprise, B2B and B2G
customers. 3DSI’s suite of integrated payment
solutions are scalable, easy to implement and
PCI compliant, enabling merchants and buyers
to manage, authorize and settle payment trans-
actions in real-time.
Contact: Aaron Bills
Phone: 703-234-6010
Fax: 703-234-6004
E-mail: sales@3dsi.com
URL: www.3dsi.com
3i Infotech 429
2012 Corporate Lane, Suite 108
Naperville, IL 60563
3i Infotech provides end-to-end technology and
business process solutions through its sub-
sidiaries: Regulus Group, the premier provider
of outsourced billing and payment services
designed to accelerate cash, improve corporate
productivity and reduce overall management
costs; and J&B Software, a leading provider of
payment processing, imaging, electronic
content.
Contact: Karin Keyser
Phone: 866-747-2877
Fax: 630-778-2295
E-mail: karin.keyser@3i-infotech.com
URL: www.3i-infotech.com
809
4709 Golf Rd, Suite 600
Skokie, IL 60076
Accuity is the leading provider of payment
routing data and solutions to improve payment
STP rates. From online look-up tools to pay-
ment information enhancement services to
data maintenance files, Accuity delivers an
array of offerings with the singular goal of
streamlining payments and saving businesses
time and money.
Phone: 847-676-9600
Fax: 847-933-8101
E-mail: custserv@accuitysolutions.com
URL: www.accuitysolutions.com
ACE Software Solutions Inc. 829
33 Wood Ave, South, Suite 600
Iselin, NJ 08830
ACE Software Solutions, a global provider of
payment processing products. Its PELICAN™
product enables differentiated payment services,
by facilitating new, automated service levels at
lower costs. It offers fully integrated central-
ized, rule based solutions for Banks such as STP
– Automatic Repair, Routing, Reporting, Rev-
enue Generation. This extensible component
based approach offers Exceptions Processing,
and OFAC compliance.
Phone: 732-603-4990
Fax: 208-439-2573
E-mail: rdesai@acesw.com
URL: www.acesw.com
ACH Alert 211
8920 B. Transport Lane, Suite 1
Ooltewan, TN 37363
Retire legacy Debit Filters and ACH Positive
Pay and end the unauthorized ACH debit
dilemma for businesses and consumers. RDFI’s
utilizing ACH Alert can push actionable alerts
before an ACH debit post, accept instant
responses, electronically present pre-populated
WSUPP’s when applicable, and completely
automate the return & re-credit process.
Contact: Deborah Peace
E-mail: debbiepeace@achalert.com
URL: www.achalert.com
ACH Federal, LLC 328
1516 Riverside Dr
Chattanooga, TN 37406
ACH Federal is built upon the principles of
service and flexibility, providing solutions for
financial institutions and individual businesses.
We incorporate state-of-the-art technology, a
connection to the ACH Operator and superior
knowledge of the NACHA rules. ACH Federal
is a partner that you can trust for your elec-
tronic payments platform.
Contact: Kim Hawes
Phone: 866-859-0555
Fax: 866-661-4225
E-mail: kim.hawes@achfederal.com
URL: www.achfederal.com
ACI Worldwide 617
320 Nevada St.
Newton, MA 02460
ACI Worldwide is a leading provider of soft-
ware and services solutions to initiate, manage,
secure and operate electronic payments for
major banks, retailers and processors around the
world. ACI products deliver payment process-
ing, online banking, fraud prevention and
detection, and back-office services.
Contact: Kimberly Rowell
Phone: 617-796-7700
Fax: 617-243-0033
E-mail: kimberly.rowell@aciworldwide.com
URL: www.aciworldwide.com
Actimize 908
1359 Broadway, 5th Floor
New York, NY 10018
Actimize is the world's largest and broadest
provider of a single financial crime, risk and
compliance platform for the financial services
industry. Actimize provides real-time and cross-
channel fraud prevention, anti-money launder-
ing, enterprise investigations, risk management
and trading surveillance solutions for the
world’s largest financial institutions including
the top 10 global banks.
Contact: Felicia Mutdhastira
Phone: 212-994-3866
Fax: 212-643-4600
E-mail: feliciam@actimize.com
URL: www.actimize.com
Affirmative Technologies, Inc. 312
35111 US Highway 19 North, Suite 200
Palm Harbor, FL 34684
By leveraging over a decade of experience in
software design and implementation the trans-
action process is streamlined in a standardized
manner, ensuring accuracy and reducing risk.
Choosing to invest in proven technology in the
short-term, you can keep your operations costs
low, address current and future business needs.
Contact: Sherry Knitter
Phone: 727-772-9881
Fax: 727-772-6939
E-mail: sknitter@affirmativeusa.com
URL: www.affirmativeusa.com
American Payroll Association 830
660 North Main Ave, Suite 100
San Antonio, TX 78205
The American Payroll Association (APA) is
the nation’s leader in payroll education and
training. APA administers the Certified Payroll
Professional (CPP) and the Fundamental Pay-
roll Certification (FPC) exams. Publishing
more than 15 payroll references and conducting
over 300 seminars nationwide on critical pay-
roll compliance topics, the APA is 23,000
members strong.
Contact: Shannon Dewey, Solutions Manager
Phone: 210-226-4600
E-mail: sdewey@americanpayroll.org
URL: www.americanpayroll.org
Exhibitors
Association for
Financial Professionals 230
4520 East-West Highway, Suite 750
Bethesda, MD 20814
The Association for Financial Professionals
®
(AFP) serves more than 16,000 treasury and
finance professionals worldwide. AFP provides
members with news, economic research, world-
class treasury certification, networking events,
analytical tools, training and public policy rep-
resentation. AFP’s global reach includes AFP of
Canada; London-based gtnews.com; and
bobsguide, a financial IT solutions network.
Contact: Natalya Seliuk
Phone: 301-907-2862
Fax: 301-907-2864
E-mail: nseliuk@afponline.org
URL: www.afponline.org
Axletree Solutions, Inc. 237
2 King Arthur Ct
Lakeside West, Suite A-1
North Brunswick, NJ 08902
Axletree is a SWIFT Regional Partner, Service
Bureau and Service Provider located in the
United States. Our SWIFT Certified Profes-
sionals provide FULLY-MANAGED end-to-
end SWIFTNet connectivity solutions and
services to clients globally. Axletree was formed
at the invitation of SWIFT with a single objec-
tive; to be exclusively dedicated to SWIFT. Our
expertise is your advantage.
Contact: Martin Lightman
Phone: 732-296-0001
Fax: 732-210-0330
E-mail: martin.lightman@axletrees.com
URL: www.axletrees.org
Axway 336
6811 E. Mayo Blvd, Suite 400
Phoenix, AZ 85054
Axway is the Business Interaction Networks
company—the only provider in the market
today to manage, run, secure, and monitor all of
your business interactions, including e-mail,
files, messaging, services, events, and processes.
Axway’s comprehensive offerings include
business-to-business integration, managed file
transfer, secure e-mail, enterprise application
integration, and identity validation solutions.
Contact: Inside Sales
Phone: 480-627-1800
Fax: 480-627-1801
E-mail: insidesales@us.axway.com
URL: www.axway.com
CashEdge 437
215 Park Avenue South, Suite 1300
New York, NY 10003
CashEdge is the leader in intelligent Money
Movement™ Services providing innovative
payment solutions to financial institutions for
their retail and small business banking cus-
tomers. CashEdge’s services include mobile and
online person-to-person payments and small
business payments. CashEdge serves leading
financial institutions, including seven of the
ten largest banks in the country.
Contact: Catherine Palmieri
Phone: 212-478-6000
Fax: 212-478-5999
E-mail: cpalmieri@cashedge.com
URL: www.cashedge.com
ClairMail 423
4 Hamilton Landing, Suite 200
Novato, CA 94949
ClairMail is the leading provider of mobile
solutions for banking, payment and card serv-
ices. ClairMail provides a technology platform
designed to help financial institutions realize
the strategic potential of mobile banking, driv-
ing new levels of customer trust and loyalty,
facilitating cross-sell opportunities and enabling
near-term, measurable cost savings.
Contact: John Aquino
Phone: 415-884-7270
Fax: 415-884-7299
E-mail: john.aquino@clairmail.com
URL: www.clairmail.com
218
45 Braintree Hill Office Park, Suite 202
Braintree, MA 02184
Clear2Pay is an innovative financial technol-
ogy company focused on delivering global solu-
tions for secure, timely electronic payments.
Clear2Pay’s Open Payment Framework (SOA)
supports all solutions from bulk payments to
retail, remittance, mobile services, etc.
Contact: Amber Sunseri Luther
Phone: 781-908-0100
Fax: 781-418-0918
E-mail: aluther@clear2pay.com
URL: www.clear2pay.com
Data Support Systems 903
6210 North 107th Street
Omaha, NE 68134
With 23 of the top 30 US banks as customers,
Data Support Systems is the Back Office
Automation Industry's choice. TRIPS™
Enterprise Class facilitates Universal Payment
Processing (including ACH) for Incoming and
Outgoing Returns, Exceptions, Image
Exchange, Research and Adjustments, Collec-
tions and Disputes. For more information call
Matt Cunningham at 901-482-0605.
Contact: Matt Cunningham
Phone: 402-431-1919
Fax: 402-431-8189
E-mail: mcunningham@datasupport.com
URL: www.datasupport.com
DirectFED Payment Solutions 906
5670 Wilshire Blvd., Suite 1530
Los Angeles, CA 90036
Direct Fed Payment Solutions’ client-focused
remote deposit capture system improves an
organization’s profitability by processing checks
with unmatched speed and accuracy while
reducing bank fees and handling expenses.
Their patented suite of products provides pay-
ment and processing solutions for multination-
als, small enterprises, not-for-profits,
municipalities, credit unions and all types of
financial service institutions.
Contact: Michael Smith, Vice President of
ISO Relations
Phone: 310-417-1994
E-mail: msmith@directfed.com
URL: www.directfed.com
Dovetail 536
130 Clinton Rd
Fairfield, NJ 07004
Dovetail’s payment services hub is proven to
manage high-volume, complex wire and ACH
processing in the world’s largest banks. Our
SOA framework allows legacy infrastructure to
be progressively renovated to deliver benefits in
scale, personalization and value added services
that fit your business. Our unrivalled track
record ensures your success.
Contact: Barry Tooker
Phone: 973-882-9922
Fax: 973-882-9822
E-mail: barrytooker@dovetailsystems.com
URL: www.dovetailsystems.com
54
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Exhibitors
Dow Jones 210
Commodity Quay, East Smithfield
London E1W 1AZ
UK
Dow Jones Sanction Alert is a new and unique
sanctions list management service specifically
designed for use within automated payments fil-
tering programs. By continuously monitoring
international sanctions lists we ensure our
clients always have access to accurate, complete
and robust information, and are fully protected
from sanctions risk.
Contact: Pervez Janjua
Phone: 44-0-203-217-5088
E-mail: pervez.janjua@dowjones.com
URL: www.dowjones.com
DST Output 901
1102 Investment Blvd
El Dorado Hills, CA 95762
DST Output provides integrated electronic and
print bill and statement solutions. eSolutions
include presentment, payment, and distribution
services; archival/retrieval solutions; and com-
pliance solutions for proxy and summary
prospectus electronic document delivery. With
over 10 years in eSolutions, we process over
3.6B electronic documents and 10M electronic
payments annually.
Contact: Cheryl Killoran
Phone: 800-441-7587
Fax: 860-290-7482
E-mail: clkilloran@dstoutput.com
URL: www.dstoutput.com
EastNets 912
450 Seventh Ave, Suite 1509
New York, NY 10123
EastNets is a leading provider of global compli-
ance and payment solutions and services with
over 1,000 customers in 120 countries. EastNets
provides anti-money laundering, payment and
transaction management solutions, and SWIFT
plug-ins to add value to SWIFT connectivity to
improve risk protection, transparency, and cost
savings. EastNets’ fully-hosted Service Bureau
serves over 200 financial institutions globally.
Contact: Roy Sudeepto
Phone: 212-631-0666
Fax: 212-631-0170
E-mail: rsudeepto@eastnets.com
URL: www.eastnets.com
801
3026 Owen Drive, Suite 101
Antioch, TN 37013
EFC Systems provides solutions focused on
Remote Deposit/ACH platforms to corporate
clients and financial institutions. Our tradi-
tional and web-based solutions make it possible
to operate in your environment or host exter-
nally. EFC is launching a revolutionary sub-
scription based service called NORMAN,
which allows FIs to manage terminated
originator related risk.
Contact: Cindy Kelly
Phone: 615-280-5100
Fax: 615-280-5171
E-mail: ckelly@efcsystems.com
URL: www.efcsystems.com
EFX Corporation 233
3700 Mansell Rd., Suite 220
Atlanta, GA 30022
EFX is a multi-product processor, specializing in
ACH, ATM and Debit POS processing as well
as Pre-paid Debit Card Issuing. We provide
extensive on-line access and reporting services,
including customized reporting. We provide
world-class client support based on our flexible
processing platforms to financial institutions
and merchants.
Contact: Don Gentry
Phone: 800-340-0846
Fax: 866-213-5533
E-mail: dgentry@efxfinancialservices.com
URL: www.efxfinancialservcies.com
eGistics, Inc. 828
17304 Preston Rd, Suite 550
Dallas, TX 75252
eGistics is a leading provider of hosted informa-
tion management solutions that digitize paper
work flows to support business processes, enable
collaboration, and streamline compliance and
business continuity planning. Our advanced
image and data solutions enable business
process automation by optimizing the storage,
management and delivery of business-critical
information.
Phone: 214-256-4600
Fax: 214-256-4641
URL: www.egisticsinc.com
Elavon 310
One Concourse Parkway, Suite 300
Atlanta, GA 30328
In an increasingly complex business landscape,
Elavon is your global source for innovative pay-
ment solutions—the one company that clients
and partners everywhere trust to securely and
reliably manage their payments business. We
deliver innovative and secure solutions to help
you increase revenues, decrease costs, and
sharpen your competitive edge.
Contact: Natalie Wilson
Phone: 678-731-4016
E-mail: natalie.wilson@elavon.com
URL: www.elavon.com
816
3840 Kilroy Airport Way
Long Beach, CA 90806
Epson has extensive experience developing
high-quality, commercial image scanners. As a
leading provider of image-based electronic
check capture solutions for teller capture,
branch capture and remote deposit capture
applications, Epson is the brand financial insti-
tutions and commercial depositors can trust for
quality, reliability and value.
Phone: 562-290-5304
E-mail: ken_fang@ea.epson.com
URL: www.pos.epson.com
Federal Reserve Banks 317
230 South LaSalle Street
Chicago, IL 60604
Federal Reserve Banks offer innovative finan-
cial services, providing you accessibility and
flexibility in an evolving industry. Services
include FedACH
®
, FedGlobal
SM
ACH
Payments, FedForward
®
, FedReceipt
®
,
FedReturn
®
, Check, Fedwire
®
Funds and Secu-
rities, FedCash
®
, National Settlement and
Treasury Services and FedLine
®
Access Solu-
tions. FedInsights
SM
includes FedACH Risk
®
management, FedEDI
®
Plus and FedACH
Information Services.
Contact: FedACH Sales Specialist
Phone: 312-322-4370
E-mail: frbnationalsales@chi.frb.org
URL: www.FRBservices.org
55
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Exhibitors
Financial Transmission
Network, Inc. 928
13220 Birch Dr, Suite 120
Omaha, NE 68164
FTNI’s ETran solution helps customers stream-
line payment processing and minimize risk by
consolidating Remote Deposit Capture, single
and recurring ACH and credit/debit card trans-
actions, on a single platform, in a managed
services environment. FTNI specializes in
reflecting these payments, real-time or batch, in
the merchant’s accounting system.
Contact: Lyle Knox
Phone: 402-502-8777
E-mail: lyle@ftni.com
URL: www.ftni.com
First Data 204
6200 S Quebec St
Greenwood Village, CO 80112
First Data powers the global economy by mak-
ing it secure for people and businesses to buy
goods and services using any form of electronic
payment. First Data securely processes transac-
tions and harnesses data power to deliver intel-
ligence and insight for millions of merchant
locations and thousands of card issuers.
Contact: Wimbish Potter
Phone: 404-921-3361
Fax: 404-355-7511
E-mail: wpotter@czrnowski.com
URL: www.firstdata.com
FIS 417
601 Riverside Ave
Jacksonville, FL 32204
A leading global provider of banking and pay-
ments technologies, FIS provides financial
institution core processing, and card issuer and
transaction processing services, including the
NYCE Network to more than 14,000 financial
institutions and businesses in more than 90
countries worldwide.
Contact: Sales
Phone: 800-822-6758
Fax: 414-586-8114
E-mail: fis.info@fisglobal.com
URL: www.fisglobal.com
400
255 Fiserv Drive
Brookfield, WI 53045
Fiserv is a leader in financial services technol-
ogy solutions, driving innovation in Payments,
Processing Services, Risk & Compliance, Cus-
tomer & Channel Management, and Insights
& Optimization. More than 16,000 clients trust
Fiserv, including banks, credit unions, and
other financial institutions and business
clients. Visit us at Booth #400 or
www.fiserv.com.
Contact: Joan Skimmons
Phone: 800-872-7882
E-mail: getsolutions@fiserv.com
URL: www.fiserv.com
Fundtech 629
30 Montgomery Street, Suite 501
Jersey City, NJ 07302
Fundtech (NASDAQ:FNDT) provides soft-
ware solutions and services that facilitate pay-
ments, settlement and cash management by
enabling banks to electronically manage cash,
process payments and transfer funds. The Com-
pany’s products are designed to increase effi-
ciency while enabling banks to better serve
their corporate clients. Contact:
www.fundtech.com
Contact: Michelle Alexander
Phone: 201-946-1100
Fax: 201-946-1313
E-mail: michelle.alexander@fundtech.com
URL: www.fundtech.com
GIFTS Software Inc. 229
360 Lexington Ave
New York, NY 10017
The eGIFTS, enhanced Integrated Funds
transfer & Telecommunications System, is an
exciting next generation system designed to
automate and streamline the wire transfer and
telecommunications processing of any bank.
Automated interfaces to Fedline Direct/
Advantage, ACH, CHIPS, SWIFT and many
of the popular core banking systems are fully
supported.
Contact: Paul Campanaro
Phone: 646-865-1301x217
E-mail: pcampanaro@giftssoft.com
URL: www.giftssoft.com
Govolution 737
2000 North 14th St, Suite 600
Arlington, VA 22201
Velocity is an electronic payment applications
service provided by Govolution, a First Ameri-
can Payment Systems company. Velocity has
been honed to the strict technical, financial
and security standards of the U.S. federal gov-
ernment. Starting at payment processing, its
modules include back-end reporting, data man-
agement and administrative tools that integrate
with cash management systems.
Contact: Jarvia Taylor
Phone: 703-894-5000
Fax: 703-894-5001
E-mail: jtaylor@govolution.com
URL: www.govolution.com
GXS 637
9711 Washingtonian Blvd
Gaithersburg, MD 20878
GXS is a leading provider of B2B e-commerce
solutions that enable comprehensive business-
to-bank connectivity regardless of format, stan-
dard or protocol. Organizations worldwide,
including 70 percent of the Fortune 500, utilize
GXS solutions to automate, standardize and
optimize their financial and physical supply
chains. Visit www.gxs.com
Contact: Tracy Bramlet
E-mail: tracy.bramlet@gxs.com
URL: www.gxs.com
Heartland Payment Systems
Bank Alliances 724
101 Malabu Dr, Suite 3
Lexington, KY 40503
Heartland Payment Systems provides
credit/debit/prepaid card processing, payroll,
check management, restaurant management
systems, and on line payment solutions to busi-
nesses nationwide. Heartland founded The
Merchant Bill of Rights, to help businesses
manage the costs and complexities of card
acceptance. HeartlandPaymentSystems.com
and MerchantBillOfRights.com.
Contact: Brad Wilson, Director of Bank Alliances
Phone: 859-309-1950
Fax: 800-344-8839
E-mail: brad.wilson@e-hps.com
URL: www.heartlandpaymentsystems.com
56
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Exhibitors
IDology, Inc. 232
280 Interstate North Circle SE, Suite 610
Atlanta, GA 30339
IDology provides real-time identity proofing
and age verification solutions to anyone con-
ducting business in consumer-not-present envi-
ronments. With IDology’s ExpectID solution
suite, businesses can expect to drive revenue,
decrease costs, and prevent fraud while also
meeting compliance regulations. For more
information call 866-520-1234 or visit us at
www.idology.com.
Contact: Jodi Florence
Phone: 866-520-1234
Fax: 678-324-3824
E-mail: jflorence@idology.com
URL: www.idology.com
805
26025 Mureau Rd
Calabasas, CA 91302
Formerly Digital Insight, Intuit Financial Serv-
ices helps financial institutions be more prof-
itable by providing solutions for consumers and
businesses to easily manage their money. The
division’s portfolio of on-demand solutions and
growth consulting services build on three
decades of unique customer insights and inno-
vation that help drive active use.
Contact: Sales Operations
Phone: 888-344-4674
E-mail: salesoperations@digitalinsight.com
URL: www.digitalinsight.com
LARU 729
PO Box 4363
El Dorado Hills, CA 95762
LARU, the ACH risk and compliance leader
provides groundbreaking risk products. Laru’s
newest and most innovative product, ACH
Vision, STOPS problems before they happen.
ACH Vision joins Laru’s other landmark prod-
ucts: ACH FileFox, a feature-rich file editor;
and ACH Clarity, a sophisticated tool for man-
aging your ACH risk and compliance.
Contact: Phyllis Baughman
Phone: 916-458-6149
E-mail: phyllis@larucorp.com
URL: www.larucorp.com
LendingTools.com 332
200 N. Broadway, Suite 700
Wichita, KS 67202
LendingTools.com is the leading provider of
technology services to correspondent banks.
With over 35% of U.S. banks utilizing our serv-
ices, LT operates the largest interfinancial insti-
tution cash management system outside of the
Fed. Our OnWe network allows correspondent
FIs to manage the exchange, clearing and set-
tlement of image CLs.
Contact: Tracy Hearson
Phone: 316-267-3200
Fax: 316-267-3278
E-mail: thearson@lendingtools.com
URL: www.lendingtools.com
Montran Corporation 236
60 East 42nd St, Suite 464
New York, NY 10165
For over 30 years Montran has been the world
leader in designing and implementing cost-
effective, comprehensive, fully integrated Pay-
ment, Clearing and Settlement Systems that
are JAVA based and platform independent.
Montran is a SWIFT Solution Provider and is a
certified SWIFT Ready application.
Contact: Joseph Susino
Phone: 212-684-5214
Fax: 212-889-2694
E-mail: corporate@montran.com
607
13450 Sunrise Valley Dr, Suite 100
Herndon, VA 20171
NACHA supports the growth of the ACH
Network by managing its development, admin-
istration, and governance. The ACH Network
facilitates global commerce by serving as a safe,
efficient, ubiquitous, and high-quality elec-
tronic payment system. More than 15,000
depository financial institutions originated and
received 18.2 billion ACH payments in 2008.
NACHA represents nearly 11,000 financial
institutions through 18 regional payments asso-
ciations and direct membership. Through its
industry councils and forums, NACHA brings
together payments system stakeholder organiza-
tions to encourage the efficient utilization of
the ACH Network and develop new ways to
use the Network to benefit its diverse set of par-
ticipants. To learn more, visit www.nacha.org,
www.electronicpayments.org and www.payit-
green.org.
Phone: 703-561-1100
Fax: 703-787-0996
E-mail: info@nacha.org
URL: www.nacha.org
NetDeposit 207
3949 South 700 East, Suite 300
Salt Lake City, UT 84107
NetDeposit provides of payment technologies
supporting paper to image processing, distrib-
uted capture, and electronic clearing. NetDe-
posit’s solutions are tailored for banks, credit
unions, processors, and their business cus-
tomers, enabling them to process electronic
payments with greater speed and accuracy. Net-
Deposit provides convenient, multi-channel
payment acceptance, initiation, and depositing
services.
Contact: Chris Styga
Phone: 801-716-4800
Fax: 801-716-4870
E-mail: info@netdeposit.com
URL: www.netdeposit.com
Norkom Technologies, Inc. 222
260 Franklin St, Suite 1920
Boston, MA 02110
Norkom Technologies is a market-leading
provider of innovative financial crime and
compliance solutions to the global financial
services industry. Norkom helps financial insti-
tutions in over 100 countries to reduce mone-
tary losses, protect their brands and reputations,
improve regulatory compliance and operational
efficiencies, and lower the costs of information
technology.
Contact: Chris Belthoff
Phone: 617-373-4190
E-mail: marketing@norkom.com
URL: www.norkom.com
Norman Technologies 813
630 Davidson Gateway Dr., Suite 250
Davidson, NC 28036
Norman Technologies provides management
and IT consulting services in the Global Pay-
ments and Trade Services space. With our focus
on domestic and international Electronic Pay-
ments, Trade Finance, Treasury Management,
and Supply Chain Management, and experi-
ence with leading industry software vendors,
Norman Technologies brings the skills needed
to help guide clients through mission-critical
initiatives.
Phone: 704-896-0128
Fax: 704-896-4943
E-mail: joe.wingard@normantech.com
URL: www.normantech.com
57
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Exhibitors
Online Resources 208
4795 Meadow Wood Lane
Chantilly, VA 20151
Online Resources offers the eCom Advantage
suite of electronic payment, presentment, and
receivables solutions. We provide all payment
channels (Web, IVR, CSR, mobile) and
process all payment methods (credit card, debit
card, ACH) in home-banking and biller-direct
(user and biller-paid) settings. The Company
serves banks and billers in multiple industries.
Contact: Ann Tierney
Phone: 609-606-3000
Fax: 609-606-3297
E-mail: atierney@orcc.com
URL: www.orcc.com
Open Solutions Inc. 436
455 Winding Brook Dr
Glastonbury, CT 06033
Open Solutions Inc. provides comprehensive,
image-based item processing products and
services—from remote deposit capture to image
exchange. With solutions that can be delivered
in an in-house or outsourced environment, we
can show you how to solidify your commercial
depositor relationships, eliminate geographic
barriers and increase your financial institution’s
non-interest income.
Contact: Greg Kunath
Phone: 860-652-3155
Fax: 860-652-3156
E-mail: greg.kunath@opensolutions.com
URL: www.opensolutions.com
228
4th Floor – 595 Howe Street
Vancouver, BC V6C 2T5
CANADA
PacNet offers a broad suite of inbound and
outbound payment services, including multi-
currency check processing, scanning solutions,
Check 21, ACH, SEPA, multi-currency mer-
chant accounts, credit and debit card process-
ing, bank transfer collection and more. Visit us
at booth 228 to discuss your domestic and inter-
national payment needs.
Contact: Brendan Mahal
Phone: 604-689-0399
Fax: 604-689-0313
E-mail: brendan@pacnetservices.com
URL: www.pacnetservices.com
Panini 900
577 Congress Park Dr.
Dayton, OH 45459
Panini offers check capture solutions that help
customers fully realize the advantages and
efficiencies available with the digital transfor-
mation of the paper check. The scalable solu-
tions address the complete range of distributed
check processing opportunities including teller,
back-counter, and remote deposit capture,
merchant back office conversion (BOC), cash
vault, microfilm replacement and remittance
processing.
Contact: Jessica Back
Phone: 937-291-2195
Fax: 937-291-2197
E-mail: jessica.back@panini.com
URL: www.panini.com
PaymentVision 306
9801 Washington Blvd, Suite 200
Gaithersburg, MD 20878
PaymentVision, a division of Autoscribe Cor-
poration, is a third party service provider of
biller direct electronic payment and gateway
services. PaymentVision epayment services
include web, IVR and call center support for
credit/debit and ACH payments as well as risk
mitigation options including ACH account
validation services.
Contact: Christopher McClinton
Phone: 301-987-0979
E-mail: sales@paymentvision.com
URL: www.paymentvision.com
PayPal Financial Innovations 902
2211 N. First St
San Jose, CA 95131
PayPal Financial Innovations enable you to
quickly deliver the cutting-edge products your
customers are demanding. Find out how you
can offer personal payments within your online
or mobile banking application, transform your
rewards program so that your customers can
spend virtually anywhere online, reduce loss
with enhanced identity verification, and more.
Contact: Dan Schatt
Phone: 415-706-1374
E-mail: dschatt@paypal.com
URL: www.paypal.com
Pertech Resources, Inc. 209
860 College View Dr
Riverton, WY 82501
Pertech Resources, Inc. designs and manufac-
tures unique peripheral products for the bank-
ing, financial, point of sale, and other markets
from its headquarters in Riverton, Wyoming. In
addition to distributed products, the company
also is a leader in OEM design and manufactur-
ing. The company has been in continuous oper-
ation since 1971.
Contact: Steve Watkins
Phone: 307-856-4821
Fax: 307-856-0412
E-mail: steve.watkins@pertechresources.com
URL: www.pertechresources.com
Pervasive Integration 224
12365-B Riata Trace Parkway
Austin, TX 78727
Pervasive Integration speeds data/application
transformation, translation, migration, and
integration for electronic payments transactions
firms. Connect all your data/applications!
Customers like Citigroup, Aegon, Omgeo,
State Street, HSBC, Princeton E-Commerce,
AXA, many others rely on Pervasive’s integra-
tion platform to facilitate re-use for diverse
scenarios whether on-premise, SaaS, or
cloud. www.pervasiveintegration.com or
1-888-296-5969.
Contact: Patrick Tuttle, Regional Manager,
Electronic Payments Integration
E-mail: patrick.tuttle@pervasive.com
URL: www.pervasiveintegration.com
PreCash, Inc. 831
1800 W. Loop S., #1400
Houston, TX 77027
PreCash provides convenient payment solu-
tions that convert cash into electronic pay-
ments for cash-paying and underbanked
consumers. PreCash offers the Vision Premier
Prepaid Visa® card and other prepaid Visa and
MasterCard® products, prepaid debit card pro-
gram management services, cash bill payments,
prepaid wireless refills and more. Visit www.pre-
cash.com, or www.visionprepaid.com.
Contact: Marchelle Becher
Phone: 713-600-2200
URL: www.precash.com
ProfitStars,
A Jack Henry Company 601
1025 Central Expressway South
Dallas, TX 75013
ProfitStars’ Enterprise Payments solutions offers
a complete spectrum of transaction processing
products, including: best-of-breed Remote
Deposit Capture, single and recurring ACH
Payments, ACH electronic checks via phone
and Internet, remittance processing solutions,
CheckCollect recovery system, credit and debit
58
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Exhibitors
card processing and a comprehensive suite of
risk management tools. www.profitstars.com
Contact: Jacqueline Scheider
Phone: 877-827-7101
Fax: 877-827-7555
E-mail: jscheider@profitstars.com
URL: www.profitstars.com
RDM Corporation 201
608 Weber Street North, Unit 4
Waterloo, Ontario N2V 1K4
CANADA
RDM Corporation (TSX:RC) is a leading
developer of specialized software and manufac-
turer of digital imaging products for electronic
payment processing. RDM has pioneered elec-
tronic check conversion systems and web-based
image and transaction management services for
banks, retailers, payment processors and gov-
ernment agencies. Come see what’s new!
Phone: 519-746-8483
Fax: 519-756-3317
URL: www.rdmcorp.com
607
Regional Payments Associations provide ACH
information and resources to financial institu-
tions, corporations, e-commerce companies and
payments technology providers around the
country. Each of the 18 Regional Payments
Associations stands as a separate organization
and as Direct Members of NACHA, we serve
the common cause of providing essential bene-
fits including ACH Rules guidance and opera-
tional support, ongoing education and training,
audit services, marketing tools and guidance,
publication sales, and more.
For more information, contact your Regional
Payments Association.
URL: http://www.nacha.org/c/RegPayAssoc.cfm
RemoteDepositCapture.com 625
12850 Highway 9, Suite 600 PMB 320
Alpharetta, GA 30004
RemoteDepositCapture.com is the leading
independent information, products and services
portal dedicated to the Remote Deposit Cap-
ture and Payments industry. Over 40,000 visi-
tors/month gain access to news, research
reports, service provider directories, RDC value
calculators, educational webinars, our commu-
nity forums and an unprecedented network of
solution providers via the RDC Marketplace.
Contact: John Leekley
Phone: 888-290-1581
Fax: 888-290-1581
E-mail: john.leekley@remotedepositcapture.com
URL: www.RemoteDepositCapture.com
Regional Payments Associations
Secure Vault Payments™ 910
4600 South Syracuse St.
Denver, CO 80237
Secure Vault Payments™ is a new alternative
payment solution that allows consumers to shop
or pay bills online without ever disclosing their
private bank account information to anyone
other than their trusted financial institution. To
learn more about Secure Vault Payments, visit
www.securevaultpayments.org
Contact: Richard Brierley-Jones
Phone: 720-224-3501
E-mail: Richard@ewisesystems.com
URL: www.securevaultpayments.org
736
6522 Kaiser Drive
Fremont, CA 94555
BankON™—from Sierra Atlantic—is a seam-
less ERP-to-bank integration enabling automa-
tion of payables, receivables and reconciliation
tasks. BankON™ dramatically reduces the
duration and cost of ERP-to-bank implementa-
tions and yields significant benefits to both the
bank and its customers, including elimination
of manual tasks, streamlined processes and
improved margins.
Contact: Pat Lowery
Phone: 650-208-3347
Fax: 510-742-4101
E-mail: pat.lowery@sierraatlantic.com
URL: www.sierraatlantic.com
SignatureLink, Inc. 337
605 Crescent Blvd, Suite 200
Ridgeland, MS 39157
SignatureLink provides a unique, 100% ESIGN
and UETA compliant, electronic signature
solution suitable to eco-friendly and cost-con-
scious companies. SignatureLink’s biometric
electronic signature technology can help reduce
chargebacks, expedite electronic agreements
online, enable remote certification procedures,
and allow mobile devices to serve as a Signature
Pad! Go Paperless, Go Green, Go Signature-
Link.
Contact: Chito Collins
Phone: 800-511-2050
E-mail: support@signaturelink.com
URL: www.signaturelink.com
R
Software AG 907
11700 Plaza America Dr, Suite 700
Reston, VA 20190
Software AG is the global leader in Business
Process Excellence. Our 40 years of innovation
include the first high-performance transactional
database in Adabas, the first business process
analysis platform in ARIS, and the first B2B
server and SOA-based integration platform in
webMethods. Our comprehensive software and
services solutions enable companies to achieve
business results faster.
Contact: Arlene Cenon-Pedrosa
Phone: 703-860-5050 or 877-724-4965
Fax: 703-391-6975
E-mail: marketing@softwareag.com
URL: www.softwareag.com
SQN Banking Systems 832
65 Indel Ave/PO Box 423
Rancocas, NJ 08073
SQN Banking Systems provides fraud detection
and process improvement products for the
financial industry. Our products include soft-
ware for exception item processing, image fraud
detection tools, automated signature compari-
son, signature verification and display, transac-
tion analysis and safe deposit operations
management. Customers have improved their
earnings and reduced check fraud losses with
SENTRY.
Contact: Kim Cirillo
Phone: 609-261-5500x340
Fax: 609-265-9517
E-mail: kcirillo@sqnbankingsystems.com
URL: www.sqnbankingsystems.com
329
4600 Lakehurst Ct
Dublin, OH 43016
Sterling Commerce, an AT&T Inc. (NYSE: T)
company, helps companies optimize and trans-
form their Business Collaboration Network to
accelerate revenues and reduce costs. Sterling
Commerce provides more than 30,000
customers worldwide applications and inte gra-
tion solutions to connect, communicate and
collaborate inside and outside their enterprise.
More information can found at
www.sterlingcommerce.com.
Contact: Jill Leffler
Phone: 614-793-7000
Fax: 614-734-5601
E-mail: jill.leffler@stercomm.com
URL: www.stercomm.com
59
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Exhibitors
SunGard AvantGard 200
600 Lanidex Plaza
Parsippany, NJ 07054
SunGard’s AvantGard is a leading liquidity
management that provides chief financial offi-
cers and treasurers with real-time visibility into
cash flows and increased operational controls
around receivables, treasury and payments.
AvantGard helps companies drive free cash
flow and reduce inefficiencies across the
EcoSystem of suppliers, buyers, banks and other
trading partners.
Contact: Jennifer Cannell
Phone: 973-563-3635
E-mail: jennifer.cannell@sungard.com
URL: www.sungard.com/avantgard
SurePayroll 733
2350 Ravine Way, Suite 100
Glenview, IL 60025
As the online alternative to ADP
®
and
Paychex
®
, SurePayroll is dedicated to providing
a simple, convenient and accurate online pay-
roll service at a price small business owners can
afford. For banking partners, SurePayroll pro-
vides private-label services that offer payroll
processing to their small business clients; for
more information, visit
http://www.surepayroll.com.
Contact: Francesca Zelasko
Phone: 877-954-7873
E-mail: francesca@surepayroll.com
URL: www.surepayroll.com
223
7 Times Square
New York, NY 10036
SWIFT is a member-owned cooperative
through which the financial world enables its
customers to automate and standardize finan-
cial transactions, thereby lowering costs,
reducing operational risk and eliminating inef-
ficiencies from operations. Over 8,800 banks,
securities firms and corporations in over 209
countries trust SWIFT to exchange millions of
financial messages daily.
Contact: Beatriz Buendia
Phone: 212-455-1800
Fax: 212-455-1817
E-mail: beatriz.buendia@swift.com
URL: www.swift.com
Sybase Financial Fusion 217
One Sybase Drive
Dublin, CA 94568
Sybase is the largest global enterprise software
company exclusively focused on managing and
mobilizing information from the data center to
the point of action. Sybase 365 mBanking pro-
vides enterprise-class messaging for secure and
direct mBanking, mCommerce and integrated
eBanking solutions, anytime, anywhere. Sybase
Financial Fusion provides integrated solutions
to more than 200 of the world's leading finan-
cial institutions.
Phone: 1-800-SYBASE5 or 925-235-5000
Fax: 925-236-5050
E-mail: info365@sybase.com
URL: www.sybase.com/products/financialservices
solutions
SYNCADA from Visa 316
200 South 6th Street, Suite 2700
Minneapolis, MN 55402
Syncada from Visa is a global financial supply
chain network which corporations and govern-
ments can use to process and monitor invoices,
make and receive payments around the world,
and finance payables or receivables through
local and global financial institutions. Financial
institutions can utilize Syncada to deliver stan-
dardized invoice processing and payment with
integrated invoice financing to their corporate
and government clients.
Contact: Syncada Representative
Phone: 800-404-2744
URL: www.syncada.com
Syniverse Technologies 913
8125 Highwoods Palm Way
Tampa, FL 33647-1776
Syniverse Technologies provides a robust suite
of messaging, roaming and network solutions to
the global telecommunications industry.
Through its Mobile Enterprise Services, Syni-
verse offers financial institutions a secure, con-
venient way to deliver account and transaction
details; alerts; and notifications via text messag-
ing to facilitate mobile banking, payments and
remittances. www.syniverse.com
Contact: David Gillmore
Phone: 813-637-5000
E-mail: david.gillmore@syniverse.com
URL: www.syniverse.com
Systar, Inc. 216
8618 Westwood Center Dr, Suite 240
Vienna, VA 22182
Systar’s Business Activity Monitoring solutions
provide real-time insight and operational
control to banks around the world, enabling
them to proactively identify and resolve process
issues before business impact. Systar clients
increase customer value and reduce risk by
improving operational performance in activities
such as ACH, Image Exchange and Financial
Messaging.
Contact: Bo O’Dea
Phone: 703-556-8400
E-mail: bo.odea@systar.com
URL: www.systar.com
The Bancorp Bank 825
409 Silverside Rd, Suite 105
Wilmington, DE 19809
The Bancorp Bank is an FDIC-insured com-
mercial bank that delivers a full array of finan-
cial services, directly and through private-label
affinity programs nationwide. Bancorp’s pay-
ments offering includes card issuing, card
acquiring, ACH, wire transfer services and cus-
tomized structures. The Bancorp maintains
membership with networks including Visa,
MasterCard, Star, NYCE, Pulse and Discover.
Contact: Matt Carberry
Phone: 302-385-5036
Fax: 302-791-5781
E-mail: mcarberry@thebancorp.com
URL: www.thebancorp.com
The Clearing House - CHIPS 409
115 Business Park Dr
Winston Salem, NC 27107
CHIPS is a real-time, final payment system,
processing approximately $2 trillion each day
for financial institutions and their customers in
the U.S. and abroad. For over 38 years, CHIPS
has delivered outstanding performance by pro-
viding the efficiency and resiliency an institu-
tion needs in a real-time funds transfer.
Contact: Hank Farrar
Phone: 336-769-5352
Fax: 336-769-5355
E-mail: hank.farrar@theclearinghouse.org
URL: www.chips.org
The Clearing House - EPN 409
115 Business Park Dr
Winston Salem, NC 27107
EPN is The Clearing House’s national ACH
operator, processing 44% of all ACH payments
and offering value-added risk management,
compliance, operations and ACH association
services for 1,400 financial institutions.
Contact: Hank Farrar
Phone: 336-769-5352
Fax: 336-769-5355
E-mail: hank.farrar@theclearinghouse.org
URL: www.epaynetwork.com
60
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Exhibitors
The Clearing House - SVPCO 409
115 Business Park Dr
Winston Salem, NC 27107
SVPCO Image Payments Network, operated by
The Clearing House, can get your check images
securely exchanged with more speed, ease and
less cost. Our Gateway DTA is a shared access
point via the Internet that’s cost efficient for
financial institutions of any size ramping up or
adding image exchange.
Contact: Hank Farrar
Phone: 336-769-5352
Fax: 336-769-5355
E-mail: hank.farrar@theclearinghouse.org
URL: www.svpco.com
Think Computer Corporation 212
385 Sherman Ave
Palo Alto, CA 94306
Think’s FaceCash payment system is the mobile
wallet you’ve been waiting for. With FaceCash
you can turn your iPhone, Android or Black-
Berry smartphone into a debit card, saving time
and money for merchants and consumers alike.
Contact: Michael Anderson
Phone: 415-670-9350
Fax: 415-373-3959
E-mail: sales@thinkcomputer.com
URL: www.thinkcomputer.com
ThreatMetrix 833
5150 El Camino Real, D-30
Los Altos, CA 94022
ThreatMetrix helps companies stop web fraud
and accelerate e-commerce. The ThreatMetrix
Fraud Network helps online businesses verify
new accounts, authorize payments and authen-
ticate user logins in real-time without relying
on personally identifiable information (PII).
ThreatMetrix profiles the device used in a web
transaction to determine whether the users are
fraudsters or customers.
Contact: Tom Grubb
Phone: 650-625-1451
Fax: 888-675-3451
E-mail: tgrubb@threatmetrix.com
URL: www.threatmetrix.com
US Dataworks 322
1 Sugar Creek Center Blvd, 5th Floor
Sugar Land, TX 77478
US Dataworks is a leader in delivering enter-
prise payments solutions to financial institu-
tions, businesses and government entities.
Whether it’s electronic check conversion, dis-
tributed capture or end-to-end payments pro-
cessing, US Dataworks provides the framework
for doing it at an enterprise level, with industry-
leading efficiency, flexibility and scalability.
Contact: Mike Dignen
Phone: 281-504-8000
Fax: 281-565-2567
E-mail: sales@usdataworks.com
URL: www.usdataworks.com
U.S. Department of the Treasury,
Financial Management Service 231
Liberty Center Building
401 14th Street, SW
Room 304A
Washington, DC 20227
The Financial Management Service, a bureau
of the United States Department of the
Treasury, provides central payment services to
Federal Program Agencies, operates the federal
government’s collections and deposit systems,
provides government-wide accounting and
reporting services, and manages the collection
of delinquent debt owed to the federal
government.
Contact: Fay Rurup
Phone: 510-594-7300
Fax: 510-594-7341
E-mail: fay.rurup@fms.treas.gov
URL: www.fms.treas.gov
VASCO Data Security 836
1500 West Park Dr
Westborough, MA 01581
VASCO Data Security is the leading provider
of strong authentication and e-signature solu-
tions to banks and financial institutions world-
wide. VASCO’s newly introduced e-signature
solution is designed to help financial institu-
tions combat real-time Man-in-the-Middle
attacks to secure financial transactions and
ensure their authenticity.
Contact: Victoria Abramson
Phone: 508-366-3400
Fax: 508-366-3440
E-mail: info-usa@vasco.com
URL: www.vasco.com
VSoft Corporation 803
6455 East Johns Crossing, Suite 450
Duluth, GA 30097
Established in 1996, VSoft Corporation is a
global provider of technology solutions to the
banking marketplace. Used by over 1900 insti-
tutions worldwide, VSoft’s solution set includes
distributed capture, image exchange, and
archive. VSoft offers both item and core pro-
cessing solutions in a hosted environment
through its VSoft Managed Services division.
Contact: Amy Garrett
Phone: 770-840-0097
Fax: 770-840-0727
E-mail: marketing@vsoftcorp.com
URL: www.vsoftcorp.com
WAUSAU Financial Systems 725
875 Indianhead Drive
Mosinee, WI 54455
WAUSAU Financial Systems (WFS) is a
premier provider of payment and receivables
processing solutions, helping businesses of all
types move money faster. With its products,
services and consulting, WFS works with
customers to speed check processing, electronic
presentment, ACH payments, transaction
processing, distributed capture and enterprise
content management.
Phone: 715-359-0427
Fax: 715-241-2135
E-mail: jmangels@wausaufs.com
URL: www.wausaufs.com
Western Union Global
Business Payments 701
12500 E. Belford Ave
Englewood CO, 80112
Western Union
®
Global Business Payments
offers comprehensive payment services designed
for both businesses and bill paying consumers.
We are a market leader in walk-in and expe-
dited electronic payment solutions, and a lead-
ing provider of cross-border payment services
that help clients improve cash flow, reduce
costs and streamline processing.
Contact: Doug Reynolds, Director Business
Development
Phone: 760-480-8376
E-mail: doug.reynolds@westernunion.com
URL: http://payments.westernunion.com
309
3600 Bridge Parkway, Suite 200
Redwood City, CA 94065
Yodlee is changing the face of online banking
with integrated PFM, payments and account
opening solutions that generate revenue, lower
costs, decrease risk/fraud, and deepen customer
engagement, giving financial institutions a bet-
ter choice. Yodlee powers innovative services
for 41 of the top 50 financial institutions and
25+ million consumers.
Contact: Melanie Flanigan
Phone: 650-980-3600
Fax: 650-980-3602
E-mail: mflanigan@yodlee.com
URL: www.yodlee.com
61
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62 CONT E NT S

DOCUMENTATION OF ATTENDANCE
NACHA has approved the following program as eligible for AAP Renewal Credit. AAP guidelines require
that AAPs retain documentation of courses.
SPONSOR: NACHA
PROGRAM: PAYMENTS 2010
DATE: April 25-28, 2010 - Seattle
CODE: 090055
CREDITS: UP TO 17.4* AAP RENEWAL CREDITS IN THE RECORDING YEAR
JANUARY 1, 2010 – DECEMBER 31, 2010
Only attendance at seminars covering ACH topics defined by the Accredited ACH Professional Continuing
Education Program Guidelines may be recorded for credit. One continuing education credit may be earned for
each 50 minutes of a seminar or training session in which you participate in a qualified topic area (excluding
breaks). To determine the number of credits you have earned, add the total number of minutes in which you
attended sessions in the qualified topics and divide by 50.
PLEASE RETAIN THIS FORM AS IT WILL BE REQUIRED TO DOCUMENT YOUR
ATTENDANCE AT THIS PROGRAM IN THE EVENT YOU ARE RANDOMLY SELECTED TO
PARTICIPATE IN AN AUDIT OF AAP RENEWAL CREDITS SUBMITTED FOR 2010.
AAP CREDIT RECORD: I ATTENDED SESSIONS IN THE ACH FIELD THAT QUALIFY
FOR ______________________ (maximum of 17.4*) AAP RENEWAL CREDITS.)
*Attendance for the Payments Conference is eligible for up to 17.4 credits. Those attending any of the
Sunday Workshops are eligible for an additional 2.4 credits for each workshop attended.
The following sessions, which are informative and contain valuable information, do not meet the
AAP Reporting Guidelines for eligibility:
• Mobile Money: How to Make Money Moving from Mobile Banking to Mobile Payments
• The New Financial Order
• Qwest Communications Evaluates the ROI of Billing Online
• Leveraging Business-to-Business Networks to Build Market Advantage
____________________________________________________ _______________________
Name of Attendee Date
AAP Continuing Education Credit
63 CONT E NT S

PAYMENTS 2009
April 5-8,2009, Orlando, FL
17
CTP Continuing Education Credit
PAYMENTS 2010
April 25-28, 2010, Seattle, WA
Direct Financial Institution Membership
in NACHA
F
inancial institutions in this category of membership influence the governance and direction
of the ACH Network and the NACHA Operating Rules by participating in the NACHA
Rule Making Process and voting directly on Rules ballots, and by participating in and
leading NACHA Councils, committees, and initiatives. Members in this category are eligible to
serve on the NACHA Board of Directors and provide leadership and vision for NACHA’s future.
Direct Financial Institution Members are active participants in NACHA’s efforts to influence and
shape regulatory, legislative, and ACH Operator policies that affect the payments system. These
efforts have helped reduce risk to financial institutions and their customers, ensured fair
competition, and reduced financial institutions’ regulatory compliance costs. Any depository
financial institution that is also a member of a Regional Payments Association is eligible to apply.
Direct Financial Institution Members
American Express Centurion Bank
Bank of America
BB&T
BMO Capital Markets
BNY Mellon
Capital One
Citibank N.A.
Discover Financial Services, Inc.
Fifth Third Bank
Huntington National Bank
J.P. Morgan
KeyBank
Navy Federal Credit Union
PNC Bank
RBS – Citizens Bank
Regions Bank
SunTrust
Synovus Financial Corporation
TCF National Bank
TD Bank
The Bancorp Bank
U.S. Bank
Wells Fargo
Zions Bancorporation
For more information, visit www.nacha.org or contact us
via e-mail at info@nacha.org.
NACHA – The Electronic Payments Association
13450 Sunrise Valley Drive, Suite 100 • Herndon, VA 20171
Phone: 703-561-1100 • Fax: 703-787-0996 • www.nacha.org
CONT E NT S

Regional Payments Associations
R
egional Payments Associations provide ACH
information and resources to financial
institutions, corporations, e-commerce
companies, and payments technology providers around
the country. Regional Payments Associations are located
throughout the United States, Puerto Rico, Virgin
Islands, and Guam, and in most cases, are not-for-profit
trade associations whose main membership includes
commercial banks, savings banks, credit unions, and
savings and loans.
As Direct Members of NACHA, Regional Payments
Associations shape the ACH Network and the NACHA
Operating Rules by participating in the NACHA Rule
Making Process and voting on Rules ballots, and by
participating in and leading NACHA Councils,
committees, and initiatives. Through membership in
Regional Payments Associations, banks and credit
unions contribute to the development and future of the
ACH Network.
While each of the 18 Regional Payments Association
stands as a separate organization, all serve the common
cause of providing essential benefits to their members.
These benefits include NACHA Operating Rules
guidance and operational support, ongoing education
and training, audit services, marketing tools and
guidance, publication sales, and more. Regional
Payments Associations also act as advocates of the
ACH Network to local and state government.
Alabama ACH Association
www.alacha.org
EastPay, Inc.
www.eastpay.org
EPCOR
www.epcor.org
GACHA
www.gacha.org
MACHA – The Mid-Atlantic Payments Association
www.macha.org
NEACH
www.neach.org
Northwest Clearing House Association
www.nwcha.org
SHAZAM, Inc.
www.shazam.net
South Carolina ACH Association
www.socacha.org
Southern Financial Exchange
www.sfe.org
SWACHA – The Electronic Payments Resource
www.swacha.org
Tennessee ACH Association
www.tacha.org
The Clearing House Payments Association
www.epaynetwork.com
The Payments Authority, Inc.
www.thepaymentsauthority.org
Upper Midwest ACH Association
www.umacha.org
Viewpointe Clearing, Settlement & Association
Services, LLC
www.viewpointe.com
WACHA – The Premier Payments Resource
www.wacha.org
Western Payments Alliance
www.wespay.org
For more information, visit www.nacha.org or
contact us via e-mail at info@nacha.org.
NACHA – The Electronic Payments Association
13450 Sunrise Valley Drive, Suite 100 • Herndon, VA 20171
Phone: 703-561-1100 • Fax: 703-787-0996 • www.nacha.org
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What is The Payments Institute?
The Payments Institute is an intensive five-day curriculum aimed
at helping you achieve a higher understanding of the payments
system. It is not a conference. The Payments Institute is a gradu-
ate program-style learning experience that provides unparalleled
education on the payments industry’s most important topics.
Why Attend?
Now more than ever, it’s time to invest in your career and your
future as a payments system professional.
• Advance your learning. Gain personalized knowledge of your
company’s mission-critical payments topics.
• Custom-design your education experience with fundamental
and advanced tracks within specialized Fields of Study.
• Participate in networking events that lead to career-long
business relationships.
• Return to work with the knowledge and tools to help you more
effectively mitigate risk, remain in compliance, deploy innova-
tive solutions, and add to your company's bottom line.
• Learn from and network with payments industry leaders.
• Respond to real-world payments scenarios in Interactive
Learning Labs.
• Gain knowledge to become an AAP or earn all of your AAP
recertification requirements in five days.
Participation in The Payments Institute shows your commitment
to staying informed about the latest advancements, products,
services, rocesses, and applications in the payments system.
Superior Learning at an Outstanding Value!
The Payments Institute is a superior learning experience and an
outstanding investment value. Students are introduced to key
concepts in all aspects of the payments cycle – from ACH to
cards and checks to risk mitigation – all in a fun, interactive
learning environment.
Take a look at just some of what your registration fee covers.
• A single hotel room for four nights (Sunday night through
Wednesday night).
• Meals and special events (beginning with a Sunday reception
and ending with Thursday lunch).
• Five days of instruction and labs.
• New curriculum.
• Resource materials to take back to the workplace.
• Complimentary introductory course for aspiring AAPs.
• Two new tracks and four Fields of Study to choose from.
• Access to industry experts.
• Expert advice on how to study for the AAP exam.
• Daily newsletter.
• And much more!
For more information, visit www.nacha.org
or contact us via e-mail at info@nacha.org
THE PAYMENTS INSTITUTE WEST
JUNE 13–17, 2010
Scottsdale Resort & Conference Center
Scottsdale, Arizona
THE PAYMENTS INSTITUTE EAST
JULY 18–22, 2010
Emory Conference Center Hotel
Atlanta, Georgia
CONT E NT S

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HOSTED BY
July 19-20, 2010
Emory Conference Center Hotel
Atlanta, GA
July 19-20, 2010
Emory Conference Center Hotel
Atlanta, GA
T
he Institute of International Payments provides an
advanced view of the global payments industry and
important emerging trends. IIP enables you to examine new
ways to grow your international program offerings, exploring
international ACH, worker remittances, online payments,
mobile services, and international trade financial services.
The curriculum includes an in-depth review of:
• International risk issues
• Global regulatory considerations
• International trade financial services
• International ACH
• The role of foreign exchange and currency
• Global offering marketing opportunities and techniques
Why Attend?
As an experienced payments professional, you want to expand
your international payments offerings to grow and enhance
your bottom line. The Institute of International Payments (IIP)
provides the materials and analysis needed to make necessary
strategic decisions in the global payments business.
• Gain advanced knowledge of international payments in a
comprehensive, targeted curriculum.
• Hear from and network with senior level industry thought
leaders in global payments solutions.
• Become more cognizant of the role international payments
can play in business structures.
• Apply the knowledge you receive to expand business
opportunities and increase your organization’s foothold
in the global marketplace.
• Learn about the risks of international payments and how
to mitigate them.
• Expand your understanding of developing concepts like
correspondent banking, international settlements and
emerging global payments systems.
• Participate in interactive sessions and case studies and
apply the information learned to real-world scenarios.
• Earn up to 13.9 AAP continuing education credits.
Scan this Quick Response barcode with any
Tag enabled phone for instant access to
The Institute of International Payments Web site.
www.nacha.org/c/InsInterpay.cfm
Upcoming Teleseminar/Webinar Events:
Cyber Attack Against Payment Processes (CAPP)
Exercise: Results Analysis & Recommendations (Webinar)
May 12, 2010
1:30 p.m. – 3:00 p.m. Eastern Time
The Financial Services Information Sharing and Analysis
Center (FS-ISAC) and NACHA, in conjunction with a vari-
ety of industry partners conducted a voluntary three-day
cyber attack exercise on February 9 - 11, 2010. The purpose
of the exercise was to test members’ response procedures in
relation to various simulated cyber attacks against processors.
NACHA Operating Rules: Tools for Simplifying Rules
Simplification (Teleseminar) (Pending Membership Approval)
June 9, 2010
1:30 p.m. – 3:00 p.m. Eastern Time
The Rules Simplification initiative and the impact it will have
on the 2011 NACHA Operating Rules means it will have a
whole new look but the meaning will remain the same.
Rules Simplification seeks to provide the industry with a
user-friendly set of rules, thus lowering the barriers to use of
the Network, achieve higher quality of ACH transactions and
processes, while improving compliance with the Rules.
NACHA’s Teleseminar Series and Webinars are
presented in partnership with the Regional
Payments Associations.
Future Teleseminar/Webinar Events:
July 14, 2010
Mobile ACH Payments
August 11, 2010
Extend Return Timeframe for Adjustment Entries
September 8, 2010
Rules Simplification
October 13, 2010
Remotely Created Checks
November 10, 2010
Treasury Regulation Impact on RDFIs
December 8, 2010
IAT Enhancements
Visit www.nacha.org for more information on these
upcoming Teleseminar/Webinar events!
Need more information?
Call 800-487-9180 or
email info@nacha.org
Education at Your Fingertips
You say you don’t have time to leave the office to attend a conference? No budget
to book that flight or rent that car? No problem. Learn the long distance way.
Put education in your own hands and learn by attending a NACHA teleseminar,
webinar, or purchasing one or more post-event CD ROMs from NACHA’s
Archive Library. All are convenient, affordable education alternatives to the tradi-
tional conference experience.
Got 90 minutes? NACHA’s teleseminar and webinar events put the latest infor-
mation about the hottest topics in payments today right at your fingertips. It’s
quick, it’s easy, it’s cost-effective. When you don’t have the time or the budget,
NACHA provides the right information in the right learning environment.
NACHA – The Electronic Payments Association
13450 Sunrise Valley Drive, Suite 100 U Herndon, VA 20171
Phone: 703-561-1100 U Fax: 703-787-0996 U Web site: www.nacha.org
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Join us in Austin for what promises to be the most
innovative and informative PAYMENTS conference
ever. Technological and legal developments are driving
significant changes to the competitive environment,
opening the door to innovative solutions and new
relationships. These developments are fundamentally
altering how consumers and businesses use the
electronic payment tools at their disposal. In the
rapidly-changing landscape of payments, knowledge
is crucial to the near-term and future success of your
business. Hear firsthand from expert practitioners in
more than 150 sessions and specialized workshops.
Not only will you gather information at PAYMENTS
2011 but you will also find many networking
opportunities and special events. PAYMENTS 2011
offers seven extensive track offerings.
PAYMENTS 2011 TRACKS:
Automated Clearing House (ACH)
Card Solutions
Check Electronification
Corporate Payments Solutions
Global Focus
Risk & Compliance
The Payments Biz
Hosted by:
For more information, visit
www.nacha.org/conferences
or email
info@nacha.org.
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PAYMENTS 2011, the premier payments indus-
try conference, will offer the most comprehensive, in-
depth, and timely information on the issues, trends,
developments, challenges, and opportunities con-
fronting payment system stakeholders. NACHA
strives to deliver the most value-rich program possible,
featuring expert speakers representing organizations on
the leading edge of progress and critical thinking. You
will not want to miss this exciting opportunity to pres-
ent your organization as a major presence in the elec-
tronic payments field.
How To Submit Session Proposals
Visit, http://payments.nacha.org/cms/index.cfm?action
=articles.preview&ArticleID=68. If you are unable to
submit your session proposal online, please submit via
email to conferences@nacha.org. If you submit by
email, please be sure to include all required informa-
tion as requested on the online form, and enter
“PAYMENTS 2011 PROPOSAL” in the subject line.
What You Gain As A Conference
Speaker
• Recognition of being associated with the premiere
payments industry event
• Visibility and credibility within the industry for you
and your organization
• A complimentary full conference registration
• Excellent networking opportunities
Presentation Formats
CONCURRENT SESSIONS - Typically 60 minutes
in length; a limited number of sessions may be 75 min-
utes in length. Concurrent sessions allow speakers to
present information on a wide variety of topics. Atten-
dees are particularly interested in case studies and orig-
inal research results. Proposals should offer tangible
value to the audience including customer perspectives,
lessons learned, best practices, and performance met-
rics. Financial institution and vendor/service provider
submissions are expected to include an end-user/cus-
tomer or an unbiased, industry expert as co-presenter.
PRE-CONFERENCE WORKSHOPS - 120 minutes
in length; pre-conference workshops are offered on
Sunday on a variety of electronic payments and eCom-
merce related subjects. These two hour workshops
allow the speaker to reach a limited audience using a
variety of interactive training techniques. Speakers are
expected to provide meaningful, take-away value to
the audience, such as checklists, resource papers, or
other tools.
Level Of Presentations
The level of presentation is identified by the submit-
ter(s) and is based on expected audience experience
and knowledge. Session attendees evaluate the presen-
tation by the appropriateness of the level and the abil-
ity of the speakers to meet the described objectives. It
is very important to accurately identify the level of
your proposal. The Conference Planning Committee
reserves the right to modify the level and will instruct
submitters accordingly so that they may meet audience
expectations.
Fundamental sessions require little or no previous
knowledge of the topic material by attendees and
should emphasize the definition of terms and descrip-
tion of key concepts. These sessions take the "who,
what, when, where, why and how" approach.
Intermediate sessions require a basic knowledge and
some experience in the topic area by the attendees. Brief
emphasis on terms is recommended. The focus should be
on the practical use of the topic and the user benefits,
and should include detailed examples. Some evaluation
of alternative methods would be appropriate.
Advanced sessions require a working knowledge and
considerable experience in the topic area by attendees
and may further require basic or working knowledge in
one or more related areas outside the specific topic.
Examples and calculations may be fairly complex and
only new technical terminology should be specifically
defined. These proposals should be strategic in scope
and focus on emerging trends or products
Conference Track Designations
Concurrent sessions are assigned to one of seven pro-
gram track designations. The track designations for
PAYMENTS 2011 are as follows:
• Automated Clearing House (ACH)
• Card Solutions
• Check Electronification
• Corporate Payments Solutions
• Global Focus
• Risk & Compliance
• The Payments Biz
Submitters must designate the appropriate track when
submitting session proposals. For a full description of
the conference program tracks please visit, http://pay-
ments.nacha.org/c/ProgramRoadmap.cfm.
Review Procedures
Proposals submitted for PAYMENTS 2011 are
reviewed by the Conference Planning Committee,
which is comprised of payments professionals from
across the industry, selected for their experience, areas
of expertise, and organizational perspectives. The Con-
ference Planning Committee members review and cri-
tique session proposals according to specific criteria,
including:
• Relevance to the electronic payments industry;
• Originality of material;
• Overall perceived quality of session content;
• Timeliness of topic;
• A well-defined focus;
• Completeness of presentation proposal;
• Appropriate inclusion of customer/end-user or unbi-
ased, industry expert co-presenter;
• Perceived take-away value for attendees;
• Speaking experience of presenters;
• Participant evaluations of presenter at previous
NACHA events, if applicable;
• Uniqueness of subject matter
How To Significantly Improve Your
Chances Of Acceptance
The PAYMENTS 2011 Conference Planning Com-
mittee will work from an extremely selective set of
guidelines for reviewing and rating this year's session
proposals. To ensure your proposal ends up at the top of
the "accept" pile, please take a few moments to ask:
ORIGINALITY - Is my focus on information that is
not easily accessible elsewhere? Are the concepts being
presented new or emerging thoughts?
COMPELLING CONTENT - Am I offering a
salient message, thought-provoking concept, or a con-
troversial issues has great appeal to attendees.
CO-PRESENTER RECRUITMENT- Am I able to
bring a customer/end-user or un-biased industry expert
as a co-presenter?
EDUCATIONAL VALUE PROPOSITION- Is my
session title clear and specific? Am I able to relate tan-
gible benefits to specific market stakeholders and seg-
ments?
DIRECT, BOTTOM-LINE IMPLICATIONS -
Can business relevance, ROI, metrics, and results be
measured?
USE CLEAR, CONCISE LANGUAGE - Are the
focus and relevance of the proposal clear? Is the value
of the proposal readily understood?
AVOID SALES PITCHES - Have I ensured that I
am not conveying commercial pitches for particular
companies, products, or services?
CASE STUDIES - Am I able to provide real-life
examples? Sessions involving case studies are typically
the best attended, and receive the highest evaluation
scores. People want to hear lessons learned and insights
from their peers.
TAKE-AWAY VALUE - Am I able to offer a concrete
technique, tool, practice or information that attendees
can take back to their organizations?
Deadline
Proposals MUST be received at the NACHA office by
the close of business on Friday, August 13, 2010.
Review Period
Proposals will be reviewed by the PAYMENTS 2010
Conference Planning Committee in late August 2009.
Notification To Presenters
Submitters will be notified by October 29, 2010 about
the status of their proposals. NACHA reserves the
right to grant or refuse, at its sole discretion, speaking
opportunities to any submitter. Compliance with
NACHA's Code of Conduct, available online at
http://www.nacha.org/code_of_conduct.htm, is a con-
dition of presenting at PAYMENTS 2011.
Questions?
Please call 703-561-1100 or email Stephanie Prebish at
sprebish@nacha.org, Denise Foli at dfoli@nacha.org or
Bill Sullivan at bsullivan@nacha.org
PAYMENTS CALL FOR PRESENTATIONS
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We have the tools for change.
Stop by the NACHA booth .
and visit the PayItGreen desk.
Take advantage of member assets such as calculators,
case studies, consumer videos and custom research!
Visit us Online at www.PayItGreen.org
CONT E NT S

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