2021 Solutions Payments Conference Agenda 

Pre-Conference Workshops Day 1 Solutions Payments Conference

21st Annual Solutions Payments Conference
The Payments Experience

Tuesday, September 21st

Workshop Treasury Management             9-9:50 am
Leveraging and Expanding Treasury Management: 
Jamie Berg, EVP Director of Sales, ACH Alert
Fraud Prevention Services - Not just for your customers
Treasury Management Departments are continuing to grow and develop in Financial Institutions of all sizes across the country.   Fraud continues to grow through the pandemic and smaller institutions have seen deposits grow with PPP loan programs.  Adding fraud prevention solutions to your suite of products has become non-negotiable.  Learn how you can leverage these solutions to drive fee income, combat fraud for the Financial Institution, your customers and manage existing accounts with fraud in a more automated fashion.

Workshop Treasury Management             10-10:50 am
Emerging Payments       
TBD - Fiserv
Description Coming Soon

Workshop Treasury Management            11-11:50 am
Building Successful Treasury Management Solutions     
John Curtis, AAP, NCP, APRP, SVP of Education & Training, Wespay
Offering treasury management solutions can be a lucrative business line for a financial institution. This course explores best practices in selling treasury solutions to businesses based on the five tenets of treasury management: payables, receivables, information reporting, liquidity management, and fraud prevention. We’ll explore how to approach businesses to win new clients and deepen existing relationships, building a sales discipline to ensure success, questions to ask businesses to truly understand needs, and much more.

Workshop ACH                 9-9:50 am
Receiving ACH 101         
Sallie O’Brien, AAP, Director of Education, 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.

Workshop ACH                 10-10:50 am
Originating ACH 101      
Holly Randall, AAP, Director of Education, 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.

Workshop ACH                 11-11:50 am
Journey to the Technical Side    
Allen Young, AAP, Vice President of Education, PaymentsFirst
For most financial institutions, ACH reports are reviewed daily but do we really know where the information comes from?  Have you ever wondered how those ACH files are “built”?  Are you new to the origination process or considering it for your organization?  Join us to learn what information is included, how and why the information is formatted the way it is, and what we can learn from it.

Workshop Future of Payments        9-9:50 am
Contactless and QR Codes
Jennifer Stadler, CPP, Vice President of Marketing Strategy & Communication, PaymentsFirst
The global pandemic has impacted almost all businesses and the demand for all things in a touch-free environment continues to surge enhancing the growth of contactless cards, mobile wallets, and QR Codes. 2021 may be the year U.S. merchants and shoppers embraced the squiggly pictured merchant codes, though the technology is 20 years old. Business methods are changing with order placement and acceptance of payments, restructuring the user and work experience to continue in a touch-free environment. These changes are rapidly growing across the United States. Does your financial institution participate and issue contactless cards? Has your financial institution been contemplating the opportunity to offer your cardholders mobile wallets? Do you have cardholders struggling to accept the changes to a digital payment world, away from paper money, paper checks, and magnetic stripe cards?  Join us for an in-depth look at:

  • How do contactless cards, mobile wallets, and QR codes work?
  • What are the risks to cardholders and financial institutions with contactless cards, mobile wallets, and QR codes?
  • Tips on how to help your customers navigate in a digital world
  • User Best Practices

Workshop Future of Payments                   10-10:50 am
Faster Payments Use Cases – Future Adoption of Faster Payments, The Benefits of Being Prepared
Chad Frank, AAP, APRP, CCBIA, Executive Vice President Risk & Compliance, PaymentsFirst
Jennifer Stadler, CPP, Vice President of Marketing Strategy & Communication, PaymentsFirst
Faster payment options are increasing in numbers. Has your financial institution implemented a plan on when faster payments should be presented to your customer base? Have you made the decision that this a good decision for your organization to participate in or which consumers or businesses would benefit from the multiple faster payment options available? During this session, Chad and Jennifer will discuss the use cases which pave the way toward the need for future adoption of faster payments. When the time comes, will your organization be ready?

Workshop Future of Payments                   11- 11:50 am
Faster Payments - What is the Risk?
Meredith Stubblefield, AAP, APRP, Vice President Risk & Compliance, PaymentsFirst
Dominic Plumeri, AAP, Director of Risk & Compliance, PaymentsFirst
Faster Payments are becoming a more prevalent exchange of funds in the payments industry. During the workshop, we will discuss various payment options and the potential for the risk involved in these options.  If you are new to your organization or interested in faster/emerging payments, join us as we navigate how to mitigate risks concerning these payments within your organization. Join Dominic Plumeri and Meredith Stubblefield as they address the risks surrounding faster payments.

Exhibit Hall - Vendor Palooza         12 – 1:00 pm  ET                        

Welcome Introduction                 1 – 1:10 pm ET
Donna Ashworth, AAP, IOM, CEO, PaymentsFirst
David Peterson, AAP, President, CheckAlt

COVID-19 Panel       1:10 – 2:10 pm ET

COVID-19 Lessons Learned One Year Later
Mediator: David Peterson, AAP, President, CheckAlt
Panelists: Aisha Khawaja, VP Card & Payment Services, Delta Community Credit Union
Marissa Reynolds, SVP Digital Transformation & Information Technology, Information Security Officer, Oconee State Bank
Brenda Eckert, Senior Vice President Treasury Services Manager, ACH/ECS Payment Operations, Wells Fargo
Join our 2021 panel, as we circle back and reflect on the impact the pandemic has made within the payments industry, specifically financial institutions. Financial Institutions generally turn to their contingency plan for guidance during emergencies but many found that their plan provided little to no guidance for the trials they faced. Financial institutions continue to work through the challenges faced by the pandemic while focusing on payment strategies toward the future. The challenges we are facing one year later are countless and many of the on-the-spot decisions made last year have been modified into a new normal. Our opening session will be a lively panel discussion with speakers from a Community Bank, a Credit Union, and a Large Bank, talking about some of the challenges they are facing today and lessons learned.

Concurrent Sessions         2:20 - 3:10 pm ET

Bank Fraud Trends          
SSA Josh McDairmid, Money Laundering, Forfeiture, and Bank Fraud Unit, FBI
A short overview of trends and issues in 2021 and Beyond

Full description soon

Minding 3rd Party Compliance          
Marsha Jones, CAMS, AAP, APRP; President of TPPPA
In this session you will learn:

  • Why Third-Party Payment Processors (TPPPs) of all types, including Third-Party Senders (TPSs) have received a bad rap over the past decade?
  • Are TPPPs/TPSs inherently bad or too risky?
  • Is there an underlying problem in the way compliance is managed between banks and payment processors that leave gaps in coverage?
  • What compliance structures and regulations are already in place that can be leveraged to address compliance gaps?
  • What are the core values and control frameworks that can be implemented as best practices in compliance with third-party payment processing?

The Secret Weapon for Your Payments Franchise         
Mike Reynolds, Vice President at TMR Solutions, Inc.
Lockbox, yes that 20th-century product, can be your 21st-century secret weapon to strengthen your B2B payments Franchise. The real value in the payment ecosystem is the “data”, not the speed or the rails the payment follows. Lockbox is where the experience and subject matter expertise related to receivables management resides. “Unlock” This important asset to deliver consolidated payment data from multiple sources to your treasury clients as the Payments landscape continues to transition to electronic channels.

General Session         3:50-4:50 pm ET

Artificial Personas           
Dave Bernard, CEO Intellection Group Inc.
The presentation is highly interactive and visual and covers the current state of automatic text generation, realistic chatbots, artificial imagery, and video.  This eye-opening, visual, and highly interactive session covers the current state of automatic text generation, realistic chatbots, artificial imagery and video, and artificial online personas and how these are affecting conversation, security, and decision making in nearly every aspect of our personal and business lives.

Day 2 – Wednesday, September 22

21st Annual Solutions Payments Conference
The Payments Experience

Wednesday, September 22nd

Introduction         9-9:10 am ET
General Session         9:10-10:10 am ET

What's In Your Head?    
Trish Springfield, Keynote Speaker, Consultant, Energize 2 Grow
There is a tremendous opportunity for a planned and intentional transfer of knowledge on how Executives in their organization think.  
Creating a bridge with the support and client-facing teams on how they too, can think critically and correctly (on pricing, exceptions and growth opportunities, process improvements) BEFORE an opportunity or question arises will place that organization at a distinct advantage. Bottom Line:  Empower Your Front Line To Think And Execute Like Executives While Continuing to Consciously Disrupt The Norm So We Are Relevant and Innovative!

Concurrent Session 10:15-11:05 am ET

Regulatory & Rule Compliance in a Faster Payments Environment        
Tony DaSilva, Retired Supervision and Regulation Subject Matter Expert with the Federal Reserve Bank
Ever hear the old saying that the only constant in life changes? During 2020, we experienced many changes and payments were no exception. Consumers not only embraced electronic/digital payment options because of the safety but the speed and convenience they experienced is now an expectation.  As financial institutions begin offering faster payment solutions, there are many things to consider, and regulatory compliance is just the beginning. Join this session for a discussion around sound business practices, risk mitigation, applicable rules, regulatory expectations, and anticipated changes.

Payments in Project Management          
Kristin Stedman, AAP, APRP, Operations Control Manager, Pinnacle Financial Partners
Your financial institution is busy bringing on new products and services to offer.  New business opportunities are being presented.  Many new products and services and business opportunities involve your financial institution’s teams handling operations and payments.  Due to this, it is important to include these teams during project management.  This session reviews the products and services being offered by financial institutions today that involve payments along with highlighting the areas that may present risk.  Attend this session to be prepared for the next product/service your financial institution adds. 

Emerging Payments Trends

Eric Tran Lee, VP, Head of Actimize Premiere, Nice Actimize
Description and Title Coming Soon!

Concurrent Sessions       11:15-12:05 pm ET

Ready, Set, FedNow: Accelerate Your Business with Instant Payments 
Connie Thiein, Senior Vice President and Director, Payments Industry Relations Federal Reserve System
History in the making, the Federal Reserve is paving the way for ubiquitous, instant payments in the United States with the development of the FedNow Service. Is your organization prepared for this transformation? With real-time clearing and settlement capabilities to support a broad range of transaction types and instant payment use cases, the FedNow Service will provide a springboard for financial institutions and their service providers to offer innovative instant payment solutions to help them serve the hyper-digital businesses and consumers of tomorrow. Set to launch in 2023, now is the time to identify your financial institution’s instant payments opportunities, review your systems and processes and talk to your service partners and customers so you won’t risk being late to the table. Join Senior Vice President and Director of Industry Relations, Connie Theien, to learn how industry stakeholders are informing the FedNow build through industry engagements and the FedNow Pilot Program. Leave this session with a better understanding of the business edge instant payments can offer as well as the knowledge and resources that can help your organization embrace instant payments and provide an enhanced experience to your customers.

Combatting Mobile RDC Risk                    
Angie Smith, AAP, NCP, Wespay
Mobile Remote Deposit Capture (RDC) of checks has been a great benefit to financial institutions during this as we have pushed our way through the pandemic. It has resulted in huge cost savings for the institution as well as operational efficiencies. However, it is not without risks and therefore required by regulators that you assess your risk and implement risk mitigation practices. This session will highlight Remote deposit capture (RDC) risks and mitigation tools along with how to handle duplicates. The RDC Indemnity in Reg CC will be discussed in detail.

Yes, We’re Still Talking about Same Day ACH                     
Debbie Barr, AAP, CTP, Senior Director, ACH Network Rules & Communications, Nacha
And for good reason: there are lots to talk about. Greater volume, longer hours, higher dollar limits—in fact, since Same Day ACH started, a new enhancement has been added every year and over 1 billion payments have been made. Nacha will share great ways to make the most use of Same Day ACH. We’ll discuss volume growth, how the processing and settlement hours have expanded, and how high the dollar limit is going.

Concurrent Sessions        1-1:50 pm ET

Navigating Regulation E: The Electronic Fund Transfers Act      
Michael Christians, Regulatory Compliance Counsel, Principal of Michael Christians Consulting, LLC
Lockdowns imposed in response to the Coronavirus pandemic only accelerated the transition to consumers conducting their personal financial transactions electronically. For this reason, a comprehensive understanding of the requirements of Regulation E is critical for financial institutions. Join Regulatory Compliance Counsel Michael Christians for a discussion of the following:

  • Scope and coverage of the regulation
  • Disclosure, notice, and statement requirements
  • Rules related to preauthorized (ACH) transfers
  • Consumer liability for unauthorized transactions
  • Error resolution procedures

Risk Common Errors                      
Chad Frank, AAP, APRP, CCBIA, Executive Vice President Risk & Compliance, PaymentsFirst
Kristin Stedman, AAP, APRP, Operations Control Manager, Pinnacle Financial Partners
When it comes to risk management within your financial institution, there is a lot of guidance to help understand what is recommended and expected.  Risk management is like many things we do in that it is not perfect all the time and often evolves.  This session will review common risk errors financial institutions face.  Leave this session with a list of risk-related areas to review within your financial institution and be more prepared for your next visit from auditors/examiners. 

Better Fraud Data, Better Defense: FraudClassifier          
Andres Rapela, Asst. Vice President, Secure Payments Federal Reserve Bank of Boston
Throughout the payments industry, fraud is a persistent concern with costly implications if not identified and mitigated quickly. Luckily, better fraud information can help. The Federal Reserve and industry experts developed the FraudClassifier model with the vision of providing the industry a consistent way to classify fraud and speak the same fraud language. Since the model’s release last year, payments stakeholders have affirmed the model’s intuitive approach to classifying fraud involving payments, which has the potential to lead to a better understanding of fraud trends and improved fraud management. Join Federal Reserve leaders as they discuss the model’s benefits and the opportunities it presents for the industry to capture a more holistic view of payments fraud and fraud risks.

Vendor Palooza         1:50-1:50pm ET

Concurrent Sessions         3-3:50pm ET

Not as Seen on TV: Emerging Cyber Threat and Response           
Klint Walker, Cyber Security Advisor Region IV, Cybersecurity and Infrastructure Security Agency (CISA)
Klint will discuss the cybersecurity landscape, including current and emerging threats and Cyber-tactics. Walker delves into the changing role of technology in business operations and the new role of the Cybersecurity and Infrastructure Security Agency (CISA) and its Cyber Security Advisor (CSA) program designed to protect cyber components essential to the nation’s critical infrastructure and key resources, state and local governments and private entities. Attendees walk away with tactics for collaborating with the CSA program on cyber preparedness, risk mitigation, incident & information coordination, and cyber policy promotion & situational awareness.

Compliance – with a Lowercase C            
David Payne, AAP, NCP, CIA, CFSA, Compliance Manager, Alkamia
I always hear the word "compliance" and think about it with a capital "C". Most institutions have their own Compliance (there it is again!) department. Everyone thinks of compliance in positive and negative terms: you're either in compliance or out of compliance. While this may be true, managing compliance isn't just positive or negative; it's about risk. Let's spend time looking at compliance through the filter of risk: how does that look, how do you evaluate it, and why it matters.

Examining the future of payments: What can today tell you about tomorrow?
Elena Whisler, Vice President, The Clearing House
The payments industry is a rapidly changing ecosystem, filled with a diverse set of players. The session will be focused on the current state of payments, acceleration of digital and real-time experiences, and final wrap-up with food for thought on future innovations. 

Day 3 – Thursday, September 23

21st Annual Solutions Payments Conference
The Payments Experience

Thursday, September 23rd

Faster Payments Panel 9:10 - 10:10 am ET

Smarter, Faster Payments 2021 and Beyond    
Moderator: TBD
Panelists: Jane Larimer, President and CEO of Nacha
Connie Theien, Senior Vice President & Director, Payments Industry Relations, Federal Reserve System
Steve Ledford, Product Executive, RTP Network, The Clearing House
Faster payments have emerged as an important topic, especially since the start of the 2020 pandemic. Across the country, financial institutions are strategizing on how to best offer and equip both consumers and business customers with the ability to move money quickly in an age with new social distancing norms, yet maintaining transaction security as a top priority.  Join us as we hear from top industry experts such as Jane Larimer, CEO from Nacha, and Connie Theien, Senior Vice President from The Federal Reserve System, both Board Advisers to the U.S. Faster Payments Council, and Steven Ledford, Senior Vice President from the RTP Network with The Clearing House, a Board of Director for the U.S. Faster Payments Council.  This expert panel will address the current environment of the faster payment industry, as well as provide their insight and perspectives on the future direction of the payments industry.

Concurrent Sessions  10:20-11:10 am ET

Cybersecurity Trends, Issues, and Update             
Scott Jones, Partner, Adams and Reese LLP
This Session will provide a time of moderated questions and answers by legal experts analyzing updates, trends, and issues pertaining to cybersecurity for financial institutions, including incident reporting requirements and best practices to prevent and respond to data breaches.

A Practical Discussion on Creating Business Continuity and Disaster Recovery Programs  
Danielle DiMaio, AAP, Vice President of Implementations & Productions Support, Atlantic Capital Bank
Session Description:  It has only been most recently, with the declaration of a Pandemic, that Business Continuity and Disaster Recovery Programs (BC/DR) have been put to the test on a global scale for Financial Institutions. BC/DR planning is usually regarded as a function of IT, however, we are not understanding how the entire Financial Institution and its core business partners play an important role in ensuring operational continuance and process recovery. Most BC/DR plans have only addressed immediate and short-term needs. Over the past year, Institutions have been forced to take a long, hard look at their BC/DR Programs, not just focusing on their own IT and operations, but also the planning and preparation that is being done by vendors and business partners. One year ago, was your Institution prepared to make a sudden shift in the way it operated long term? Did employees find themselves scrambling to obtain appropriate technology, resources, and direction to perform their jobs with a minimal interruption? Is your Institution prepared for another “event” that may disrupt the current working situation? This session will look at the anatomy of a sound BC/DR Program, provide insights on the practical application and implementation of such a program, and also how to get - and keep - your Institution’s management and employees engaged.

Current & Emerging Payment Trends
Jorge Jimenez, CEO & Founder, Jupiter Payments
Description Coming Soon

Central Bank Digital Currency Panel 11:15 - 12:15 pm ET

CBDCs – What Are They and What Are the Implications?  
Moderator: Peter Tapling, APRP, Managing Director, PTap Advisory
Panelists: Jim Cuhna, Federal Reserve Bank of Boston
Craig Borysowich, Payments Canada

Ezechiel Copic, CLabs
Session Description: Central Bank Digital Currencies have been capturing an increasing share of headlines recently. A recent survey by the Atlantic Council identifies 62 countries with active CBDC projects. Central Bank Digital Currencies have the opportunity to create new ways for central banks to distribute and control a currency. They are not a panacea, but they can offer some innovative capabilities to central banks. This session will give a quick orientation of what a CBDC is and then you will hear from experts in the middle of some of these projects.

Lunch Session David Peterson 12:15 - 1:00 pm ET
Concurrent Sessions        1:25-2:15 pm ET

New Payment and Data Security Rules are Coming! Are your Agreements Ready? 
Scott Jones, Partner, Adams and Reese LLP
New rules and data security requirements are coming in 2021 across all payment channels. As a result, it is time to update your disclosures and legal agreements to maintain compliance and have adequate protections in place. Join our legal expert as he breaks down what you need to know and what updates should be considered as a financial institution for the protection of oneself and your entire customer base.

Rayleen Pirnie
ACH Fraud: 2021 Fraudsters have long used the ACH network to facilitate fraud; the Pandemic ensured there was no shortage of imagination or potential victims for their scams. In this interactive, fast-paced session, we’ll expose some of the most common forms of fraud using the ACH network, from red flags and action items of account phishing to preparing for the 2022 tax refund fraud season. We’ll also examine the most common internal issues related to properly identifying, managing, and reporting ACH fraud to comply with BSA/AML requirements, area institutions often fail to balance resulting in unintentional non-compliance with the law.

In this course attendees will:

  • Examine the most common forms of fraud using the ACH network
  • Document mitigation and sound risk management practices
  • Compile tips to balance ACH Rules and legal requirements to control money laundering


RTP: How banks & companies are leveraging new capabilities to change the way customers do business
Keith Gray, Vice President, The Clearing House
The RTP® network continues to expand reach with both financial institutions joining the network and transaction volume with capabilities and characteristics that are generating new innovation in the payments world.   This session will focus on the remarkable ways RTP is being used to improve retail and corporate customer experiences and address issues with payments today.  Be inspired and find out the next steps for your organization.  Your customers are ready for real-time now. So are we.  #RTPISREADY

Concurrent Sessions        2:25-3:15 pm ET

Banking and the Cannabis Industry         
Jim Petkovits, AAP, APRP, NCP, Vice President – Education, Wespay
Retail sales of cannabis products became legal at the state level in Washington and Colorado in 2012. Since that time 16 states and the District of Columbia have approved similar measures nationwide. Combine this with other changes, including medical cannabis and legalized hemp, we now have 48 states offering some type of legal or decriminalized cannabis policies. These initiatives have established a new industry, legal within a state, but in some cases still illegal at the federal level. Now financial institutions need to make decisions on how to address this in their policies. This is not only related to banking a cannabis-related business, but what about employees of that business, who may also be accountholders? This session will discuss these complex issues to help you better understand why it is important for you to have a policy around banking this industry, even if you have no intention of promoting the business.

Top 10 Ghostbuster Practices to Cybersecurity               
Nanci McKenzie, AAP, APRP, JM, Vice President, Compliance & Business Relationships, Affirmative Technologies
You do not need to be afraid of ghosts when you include these ten practices within your Cybersecurity Risk Management Program. Effective practices are the best type of control to mitigate the risks associated with your electronic payment channels. We will also look at the risks and how these practices will mitigate the risks.  

Impact of Virtual Payment in a Virtual World     
Karen Sylvester, AAP, APRP, CAMS, CRCM, NCP, Senior Director, Regulatory Compliance Education, Epcor
The word virtual has become our part of our everyday vocabulary, we must also look at how our organizations should enhance how we do business. During this session, we will discuss some of the latest fraud trends, the importance of know your customer/client, and how a virtual environment can impact the risk of doing business.

Keynote Session        3:30-4:30 pm ET

The Evolving Security Landscape            
Jim Stickley, CEO Stickley on Security
In this session, we sit down with cybersecurity expert Jim Stickley and have a one-on-one conversation about the latest cybersecurity risks that organizations and their customers are facing as the world continues to adapt to the new normal.  Stickley will discuss topics ranging from advanced malware and cyberattacks to social engineering and the new risks created with working from home. Of course, Stickley will also offer tips and tricks that attendees can apply to both their business and personal life.