Banking Professionals * AAP Professionals * Auditing & Compliance * Technical, Networking & Security Staff * CTP & CPP Professionals * FinTech * Payments Professionals * CPA's & CFO's * ISOs / MSPs

Solutions 2017 - Conference Agenda

Wednesday, September 20, 2017

12:00 – 5:00 pm     

Preconference, General Conference and Exhibitor Set-Up

 1:00 – 5:00 pm

Pre-Conference Workshops


ACH Fundamentals

Receiving ACH 101 –  Jessica Adams, AAP, Director - Education and Communication, PaymentsFirst

This session designed to provide the groundwork for understanding ACH from the perspective of the Receiving Depository Financial Institution (RDFI). Participants will discuss the different terms and acronyms that are used in ACH processing, different transaction types that will be received, and how these items are received, settled and returned. Emphasis will be placed on covering the obligations of RDFIs while highlighting areas the RDFI can limit their liability.

Originating ACH 101 –  Dominic Plumeri, AAP, Director - Risk and Compliance, PaymentsFirst

Does your institution originate ACH entries? Or are you considering beginning an origination program? This seminar will cover the fundamentals of ACH origination including the requirements for Originating Depository Financial Institutions (ODFIs), third party processors, OFAC and more. ODFI controls to help mitigate risk will also be discussed. Attendees will gain a practical understanding of why ACH origination is a vital service to offer, as we discuss how to market your new service and how to identify potential originators from an existing customer base.

Tech SpecsKristin Stedman, AAP, SVP - Risk and Compliance, PaymentsFirst

For most financial institutions, ACH reports are printed and reviewed daily. Have you ever wondered where the information comes from to build those ACH reports? Join us to review how ACH files are formatted and what information is included with each file. Time to review the technical side of ACH!

Fraud Forum

It's a Brave New World of Threats And ConvenienceDave Bernard, CEO, The Intellection Group

The pace of change in all areas of humankind is being accelerated by the even faster pace of technology change. Privacy, safety, and security concerns are real, but are nearly powerless when opposed by increased, convenience in this talk, we'll explore the relationships between social and economic macro trends and the myriad tech-enabled conveniences that are pervading our lives, and survey the opportunities and threats posed by this brave new world.


Are Alexa, Siri and Zelle Your Next Payment Fraud Threat? Protecting a Third-Party World - Cenk Ipeker, Senior Director, Head of Actimize Cloud & Rivka Gewirtz , Product Marketing Director, Fraud

“Alexa, pay my electric bill.” In the age of Open API Banking, Financial Institutions will meet consumer demand for innovative payments by allowing third party applications to directly access bank accounts. These applications could range from digital attendants such as Siri, to bill pay processors and e-commerce applications, changing the way both retail and commercial FIs do business. Open API banking opens up exciting innovative products to FIs and their retail and commercial customers, but these relationships also introduce new fraud threats. In this session, learn how analytics-driven enterprise fraud solutions will protect the new open API banking channel.


Preventing Originator and Third Party Risks for Your Financial Institution - Kevin Sasser, AAP, Director, Sales & Marketing, Argos Risk

Almost every originator in the United States has a strategy for making their money move faster.  Are you ready? With Same Day and Real Time Payments, ACH-related fraud is expected to more than double.  Are your risk management practices ready to scale, accelerate, and deliver the information you need when you need it?  In this session we will be discussing:

  • Why the acceleration of payments forces you to automate the monitoring of your originators and the danger of relying solely on google alerts.
  • Many ODFIs are only checking two out of five key areas in evaluating the health of their originators.  We will share the most critical areas you need to check.
  • How to build a partnership with your Third Party Payment Processors that will allow you to really know your customer’s customers.


Thursday, September 21, 2017

7:15 – 8:15 am

Breakfast in Exhibit Hall

 8:15 - 8:30 am

Opening Remarks

Peggy Gachesa, AAP, CEO, PaymentsFirst

Rich Leary, National ACH Manager, Wells Fargo Bank, N.A



 8:30 - 9:30 am

Opening General Session

 "Rev Up Your Revenue: Take Non-interest Fee Income to the NEXT Level”- Trish Springfield, EVP – Retail Banking, Southern First Bank

Every institution wants to grow revenue, but not every FI knows how to do it AND deliver a great User Experience (UX).  Even customers/members don’t always know what to ask for.  Henry Ford said it best “If I had asked people what they wanted, they would have said faster horses”. Even if you are non-profit, you need to grow revenue to thrill and delight your members. So WE have to define what’s NEXT.  Join banker Trish Springfield as she identifies key revenue opportunities that clients are willing to pay for. Her fun but powerful and timely presentation will provide you specific ideas that you can immediately explore as fee income opportunities for your institution



 9:35-10:00 am

Break- Exhibit Hall

 10:00– 11:00 am

Concurrent Sessions


What’s Next? - I want to be AAP or NCP! - Jenny Johnson, ECCHO; Debbie Webster, AAP, NCP, Senior Director - Association and Member Services, PaymentsFirst

It is becoming increasingly more important that organizations that offer payment products have knowledgeable staff to help foster a safe and sound environment. AAPs and NCPs bring the level of payments knowledge examiners, auditors and organizations look for. As an AAP or NCP, you’ll be considered a subject matter expert on ACH or check processing and gain valuable knowledge regarding other payment systems, increase your value within your organization and the payments industry all while helping to ensure your organization’s compliance with regulations and NACHA Rules.

(Note: This AAP/NCP information session is not eligible for continuing education credits.)


A Look Inside the 2016 Federal Reserve Payments Study - Jessica Washington, AAP, Payments Risk Expert, Retail Payments Risk Forum, Federal Reserve Bank of Atlanta

The 2016 Federal Reserve Payments Study is the sixth in a series of triennial studies conducted by the Federal reserve since 2001.  This session will focus on the data and trends from all noncash payments estimated to have been made in 2015 by consumers and businesses as well as information released in the June 2017 supplement. 


An Updated Approach to RDC Risk ManagementJohn Leekley, Founder & CEO,

With the recent release of the changes to Regulation CC, this session will cover the impact on RDC Risk Management and give a preview of the 2017 mobile RDC industry study.

11:00 – 11:10 am

Transition Break

 11:10 – 12:10 pm

Concurrent Sessions


An Interview with the CFPB Gary Stein, Deputy Asst. Director, Office of Cards, Payments, and Deposit Markets, Consumer Financial Protection Bureau; Peggy Gachesa, AAP, CEO, PaymentsFirst

Join us for a candid sit-down interview with the CFPB that will include the current bureau’s status/latest developments related to:

  •  The Bureau’s involvement with Faster Payments
  •  Consumer data access
  •  Checking account overdraft
  •  Finalized Prepaid Rule


Understanding Credit Card Interchange – Jennifer Stadler, CPP, Senior Director Education & Communication, PaymentsFirst

This session will cover the basics of merchant processing, the key players, and the merchant transaction cycle. Whether a merchant is retail, moto or e-Commerce, differences in risk qualifications during the underwriting process, annual rate increases from the Card Associations, multiple terminal and software choices, often make merchant processing difficult to understand. We’ll break down the walls and clarify the different types of interchange rates and understand credit and debit card fees more clearly.


Think Why?: Work With or Compete Against Payment FinTechs? - David Peterson, CSO & Founder, i7Strategies

As financial institutions strategize the future of changing customers and payment options, the question should always begin with “WHY”.  Why would future customers do payments through us? Why do they have to use the same types of payments and processes that their parents and grandparents did?  By starting with “WHY”, you can be prepared to effectively compete and serve new customers in innovative ways. Your ability to successfully grow your business with new payments is critical. Innovation is the key to transformational growth and success with tomorrow’s customers. This session will highlight the specific payment opportunities FIs are facing, present specific transformational strategies and provide a framework for your institution to evaluate whether to partner or compete with FinTechs to address all the “WHYs”.

12:10 – 1:10 pm

Lunch in Exhibit Hall

1:20 – 2:00 pm

Networking / Office Check-in Break

2:00 – 3:00 pm

Concurrent Sessions


Together At Last, Blockchain and Same-Day ACH: A True Story - Jorge Jimenez,

Learn how Star One Credit Union managed to implement a new international payments mechanism capitalizing on blockchain technology and Same Day ACH. This case describes the journey of a Credit Union looking to make a difference for its members, and the courageous choices made, in the face of ever increasing compliance in the financial services industry. This is the first ever case of a real-life blockchain cross-border transaction from a Credit Union, Ripple and EZFOREX

Third-Party Sender Registration Cindy Jenkins, Senior Director, ACH Network Risk Management, NACHA

The Third-Party Sender Rule will require ALL Originating Depository Financial Institutions (ODFIs) to “either register its Third-Party Sender customer(s) with NACHA, or provide to NACHA a statement that it has no such customers”.  Join us as we review the upcoming rule change, the requirements and walk through the steps you will need to compete the registration process.

Stop Giving Away the Store! Driving Value With Strategic Distinction - Trish Springfield, Executive Vice President Retail Banking, Southern First Bank

Every day, consumers and businesses demonstrate a willingness to pay for strategic and distinctive products, services, convenience and experiences. Yet the financial industry frequently competes primarily on only price, adding pressure to existing margins and revenue. In this working session, seasoned banker Trish Springfield will walk through all four of these strategic distinctions to help you ‘discover’ which align well with your core strengths. This session will also present a framework to evaluate opportunities that will increase your competitiveness and revenue opportunities. Once you’ve discovered your strategic distinction, the focus will become how to effectively articulate it and most importantly, consistently deliver on it. Following the session, you will walk away with concrete ideas and opportunities that you can implement.

3:00 – 3:10 pm

Transition Break

 3:10 – 4:10 pm

Concurrent Sessions


New Reg CC Final Rule:  Opening the Door to Full Electronification of the Check - Jenny Johnson, ECCHO

This session will provide a summary of the changes to Regulation CC Final Rule published May 31, which will go into effect July 2018 including:

  • a background of the regulation update
  • all new definitions, indemnities and warranties
  • a synopsis of the changing requirements for expeditious returns
  • a brief discussion of the implications of the changes


Faster Payments Task Force - Nell Campbell-Drake, Vice President, Strategic Business Relations and Outreach & International Development, Federal Reserve Bank of Atlanta

Since May of 2015, the Faster Payments Task Force comprised of individuals representing stakeholders across the payments landscape worked to identify and access alternative approaches to implementing faster payments.  On July 21st, the product of their assessment, The U.S. Path to Faster Payments – Final Report was release.  This session will identify the industry “Call to Action” based on the recommendations put forth by the task force.

2016 FFIEC Retail Payments Systems Booklet - Tony DeSilva, Federal Reserve Bank of Atlanta; Donna Ashworth, AAP, EVP, Risk and Compliance, PaymentsFirst

Revised in 2016, the FFIEC Retail Payment Systems Booklet provides guidance to examiners, financial institutions and technology service providers on identifying and controlling risks associated with retail payment systems and related banking activities. In this session, participants gain a better understanding of recent FFIEC retail payments guidance, including third-party management, cybersecurity, mobile banking, and the revised examination procedures. Discussion focuses on regulatory guidance and expectations, what to expect as an institution, current industry findings, and best practices.

4:10 - 4:20 pm

Transition Break


 4:20 – 5:20 pm

General Session


Alphabet Soup for the Leadership Soul: Leading in a Multi-Generational Workforce - Tom Ledbetter, Associate Vice President for the Center for Entrepreneurial Success and Community Engagement, Midlands Technical College

Do you want to learn how to pull together a multi-generational team in your workplace?  In this session, Tom will engage participants with activities and a contextual learning experience on effective leadership across generations. Takeaways include:

  • Understand the difference between Generation X, Y and Z.
  • Learn effective researched-based best practices in leveraging your inter-generational workforce harmony to collaboratively benefit the modern organizational workplace. 

5:30 – 7:00 pm

Networking Reception - Exhibit Hall

7:00 – 9:00 pm

Payments Certification/Speaker/Board Dinner

Friday, September 22, 2017

7:15 -8:30 am

Breakfast in Exhibit Hall

 8:30 – 9:30 am

General Session


Top 3 New Technologies That Financial Institutions Need to Understand – David Peterson, CEO & Founder, i7Strategies

As FI C-Suite executives look to meet current and future challenges, technology has become a great equalizer. Yet with limited budgets and limited insight into the impact of technology on income and account growth, few executives have the necessary tools to make effective technology decisions. Now more than ever, creativity and core competence in operations, payments, and technology is what differentiates winners from losers in the increasingly commoditized world of financial services. This session will provide a framework for evaluating new financial services innovations and highlight 3 emerging technologies that must be in your short-term strategic plan.

9:30 – 10:00 am

Break in Exhibit Hall

 10:00 -11:00 am

Concurrent Sessions


Death of Privacy - Dave Bernard, CEO, The Intellection Group

This session explores the loss of privacy, covering all sorts of commerce and retail effects, especially the driving power of convenience. 

Regulation E - Peggy Gachesa, AAP, CEO, PaymentsFirst

Even though Regulation E’s primary purpose is consumer protection, the language can be confusing to both consumers and financial institutions. Understanding the error resolution process can be tricky and confusing not to mention calculating liability.  Join our speaker as she turns confusion into clarity and provides attendees with the tools not only calculate your liability, but help you stay Reg E compliant in the process.

Same Day ACH Update - Allen Young, AAP, EVP Education & Communication, PaymentsFirst

We're a year into Same Day Credits and one week into Same Day Debits. So where do we stand? What types of transactions are we seeing and what is the volume? Have there been any unanticipated benefits? Any unexpected threats? Join us as we review the Year of Same Day ACH and look forward to 2018. 

11:00 – 11:10 am

Transition Break

 11:10 -12:10 pm

Concurrent Sessions


Around the World in 80 Payments - Kevin Olsen, AAP, NCP, SVP, Payments Education, ePayResources

Have you ever noticed that anybody driving slower than you is an idiot,

and anyone going faster than you is a maniac?  - George Carlin

Everyone keeps talking about how faster payments is coming to America, how it’s going to change everything, and how we need to prepare now. Instead of worrying about what we need to do let’s step back and see what other countries are doing.  As we take a trip around the globe you might be surprised what’s available. Payments are schneller, mais rapido, vite, or “holy cow look at him go” there is plenty of speed in payments around the globe. Secure your seat belts and hold on as we take a tour of the many options the globe has to offer.

EMV Liability in 2017 Jennifer Stadler, CPP - Senior Director Education and Communication, PaymentsFirst

Many individuals in the U.S. have EMV chip cards in their wallets, but the lack of understanding of the protection and benefits of the technology has left many consumers feeling an inconvenience when making a point-of-sale transaction.  In addition, merchants don’t necessarily understand how to correctly accept and process an EMV chip transaction or are even how the shift in liability for losses may impact their business.  In this session, we will review EMV and how it affects both the consumer and the merchant the US today.

ISO 20022 Messaging Standards: Achieving Greater End-To-End Efficiency  Allen Young, AAP, EVP - Education & Communication, PaymentsFirst

We’re a year into Same Day Credits and one week into Same Day Debits.  So where do we stand?  What types of transactions are we seeing and what is the volume?  Have there been any unanticipated benefits?  Any unexpected threats?  Join us as we review the Year of Same Day ACH and look forward to 2018.


12:10 – 12:45 pm

Conference Wrap-Up