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CONTENTS !
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U.S. CENTRAL MERRILL LYNCH CAPITAL ONE ENTERPRISES CORPORATION
Marcie Haitema Cynthia Murray Colleen Taylor Sharon Petrey Leslie Bertha, CTP
NACHA Board Chairperson & Senior Vice President Executive Vice President CTP Corporate Executive Vice President
Executive VP Correspondent Innovation & Development Treasury Management Director Treasury
Services, U.S. Central

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!
CONTENTS !
Table of Contents

PAYMENTS 2010 Onsite Program NACHA Would Like to Thank


Our Sponsors
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
Regional Payments Associations

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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!
CONTENTS !
WELCOME

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

!
CONTENTS ! 5
General Information & Special Networking Events
All PAYMENTS 2010 events will be held at the Washington State Convention Center unless otherwise noted.

Admission to Events Stay in Touch at PAYMENTS 2010!


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

!
6 CONTENTS !
General Information & Special Networking Events
Special Events
April is PayItGreen® Month Sponsored by
Chairperson’s Leadership Reception
Is your financial institution or
company looking to promote the environmental Sunday, April 25
benefits of choosing electronic payments, 5:00 p.m. – 6:30 p.m.
statements, and bills? We have the tools for change. The NACHA Family leadership gathers for this invitation-only event to
It’s simple with PayItGreen. Please visit the commemorate another year of progress in payments, sponsored by
NACHA booth # 607 and www.payitgreen.org SWACHA – The Electronic Payments Resource. Location to be
for membership information. communicated via e-mail invitation.
Sponsored by
We practice what we preach . . . AAP Sunday Evening Reception
PAYMENTS 2010 continues to grow green Sunday, April 25
Regional Payments Associations
practices. 6:30 p.m. - 7:30 p.m.
All Accredited ACH Professionals are invited to this lively reception where
• NACHA has eliminated paper session handouts. they will enjoy Seattle-inspired hors d’ oeuvres and cocktails while networking
Session handouts are available online to full- with other AAPs. This event is for AAPs only and is sponsored by the Regional
conference attendees. Download the handouts Payments Associations. Location to be communicated via e-mail invitation.
and save them on your computer or print only
what you need and bring them with you. Monday Lunch in the Exhibit Hall
• Visit the NACHA and Regional Payments Monday, April 26
Association booth # 607 to learn what is 12:15 p.m. - 1:15 p.m.
planned for PayItGreen and how your Rejeuvenate with a tasty lunch while connecting with exhibitors and peers.
organization can participate.
Monday Night Celebration Sponsored by
• The Washington State Convention Center
offers three compartment composting: recycle Monday, April 26
and trash receptacles are located in all event 6:30 p.m. - 8:30 p.m.
and public space throughout the building. 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
• The Washington State Convention Center
create your own music for a virtual audience. Don’t miss this landmark reception,
uses only disposable wares – plates, cups,
sponsored by Fiserv. Shuttle buses to be provided from the conference hotels.
forks, knives and spoons are all 100 percent
compostable.
2010 NACHA Payments System Awards Lunch
Continuing Education Credits Tuesday, April 27
11:30 a.m. – 1:15 p.m.
Up to 17.4 continuing education
Join us for this full-service luncheon where outstanding achievements in payments
credits may be earned for your
system innovation, quality, and performance are recognized. Douglas Merrill, the
attendance at PAYMENTS 2010
former chief information officer at Google, will provide a rare and entertaining look
sessions. Those attending any of the Sunday
into how Google fosters innovation.
Workshops are eligible for an additional 2.4
credits for each workshop attended. One renewal
Kick-off to PAYMENTS 2011
credit may be earned for each 50 minutes of a
Closing Reception
session in which you participate. Documentation
of attendance forms may be found in the Tuesday, April 27
NACHA Information section in the back of 5:30 p.m. - 7:00 p.m.
this program book. Enjoy this “Kick-Off to Austin” reception surrounded by cutting-edge technology
providers, payments service experts and organizations poised to offer the solutions
Approved for up to 17 CTP you seek. All registered attendees may attend this event.
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.
!
CONTENTS ! 7
Washington State Convention Center Floorplans
Level 4
South Service Corridor
Conference Planning
Exit Deli Exit Exit Exit Committee
To South Lobby

4C-3 4C-2 240 241 340 341 440 441 540 641 740 741 840 841 940
Chairperson
238 239 338 339 438 439 538 639 738 739 838 839 938 Laura J. Listwan, AAP, CTP
236 237 336 337 436 437 536 637 736 737 836 837 936
Senior Vice President, U.S. Bank
4C-4 4C-1

Deli
Laurie Appelbaum, AAP
232 233 332 733 832 833 932

230 231 830 831 930

10 228 229 328 329 429 629 729 828 829 928
Payments Association Specialist, The Clearing House
Exhibit

William Bley, AAP


Service
224 324 625 724 725 825 925 Area
FHC
FE

4C
222 223 322 423 923

921 President & CEO, Northwest Clearing House Association


401
218 919

Joseph S. Blount
10'x10'
216 217 316 317 417 617 816 917 Office

W M
10'x10'
Exit

Office

212 312 813 912 913 SVP, Payment Strategies, BB&T


To
WM
210 211 310 910 911
NACHA
North
Lobby
208 209 309 409
607
809 908 909
Fred Brothers
Managing Partner, eCom Advisors, LLC
207 306 906 907

204 805
Floors 1 to 4

Exit

803 902 903


UP
Retail

Elizabeth A. Cronenweth, AAP, CTP


DOWN

200 201 400 601 701 801 900 901

Exit
Manager, Product Line, Financial Services, Sterling Commerce
Exit

W M
454

1 2
439 438
M W Mary Ann Francis
Exit

6 7
UP

498
DOWN

To/From
DOWN
UP
Attendee
Entrance
Attendee
Entrance Solutions Consultant
4&6
South
Galleria Balcony Line Above Beth Anne Hastings
Exit Up To GRAND ACH Product Manager, J.P. Morgan
Exit South
STAIRCASE

Exit 5&6
Lobby Peter C. Hohenstein, CCM
Exit Exit
Exit Senior Vice President, Bank of America Merrill Lynch
Exit
Christopher Huppert
SVP, Wholesale Internet & Treasury Solutions, Wells Fargo

Outdoor Plaza Robert L. Johnson


Director, Industry Relations, Early Warning Services, LLC

Jason Marshall
Level 6 Senior Director, Payments Services, Walmart Stores, Inc.

James McKee
Exit Exit Exit
SVP, Retail Payments Office, Federal Reserve System
Exit Exit

4 William D. Sullivan
Senior Director, Education Program Management,
NACHA - The Electronic Payments Association
6E 6C 6B 6A
Paul Tomasofsky
President, Two Sparrows Consulting, LLC
10 Charles B. Wickenden, CCM
Payments Executive
610 605
618 617 Stuart Williams
M W W M
Vice President, Industry Relations, Fiserv
619 (6F) 616 609 606 604
Exit

611 James C. Wills


(6D)
Senior Business Manager, SWIFT
620 615 612
608 607 603 602
Exit

614
Exit

613
West 601
Exit

M W Lobby East
Lobby
Exit

South
Lobby
Galleria (Below)
(Below)

!
8 CONTENTS !
Conference Tracks
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.

Automated Clearing Corporate Payments


House (ACH) Sponsored by Solutions Sponsored by

This track addresses the core issues surrounding the ACH This track speaks to the payment and treasury interests
Network and its users, encompassing traditional and of corporate users—billers, retailers, merchants, trading
emerging applications and approaches. Sessions examine partners, etc.—businesses large and small from across
operational issues, audit, rules compliance and industries that are seeking to learn from their colleagues’
enforcement, risk management, fraud prevention, security, experiences in selecting, implementing, operating, and
authentication and authorization, best practices, trends, evaluating solutions provided by the financial services
and more. A full mix of topics and perspectives will community. Sessions by and for corporate practitioners
satisfy the aspiring novice and the seasoned ACH analyze best practices, metrics, challenges, trends, and
professional alike. practical experiences.

Card Solutions Sponsored by Global Focus Sponsored by

This track focuses on the trends and developments This track examines the latest in strategic thinking and
associated with card-based solutions for payments and solutions confronting the global payments sector today
payment-related business needs. Industry experts address from both the corporate and financial institution
challenges and opportunities within the card industry from perspectives. Leading issues and major challenges are
both a business process and payment operations viewpoint. examined by global payments experts. Sessions feature
Sessions examine business, operational, and technological insights and perspectives from the U.S. community and
innovations from both the issuing and acquiring sides of stakeholders from around the globe, offering a truly
the credit and debit card environments. international vantage point on the issues that matter most.

Check Electronification Sponsored by Risk & Compliance Sponsored by

This track is composed of sessions dealing with the issues, Sessions in this track examine the potential risks
challenges, experiences, opportunities, trends and surrounding all payments mechanisms along with the rules
developments associated with check electronification, and laws governing compliance. Emerging trends in fraud
encompassing conversion and truncation methodologies, and fraud prevention, along with thorough examinations
as well as convergence issues. Subject matter includes the of laws, rules, and regulations are featured topics.
conversion of a paper check to an ACH debit, the use of a
check as a source document for Internet and telephone- The Payments Biz Sponsored by

initiated ACH debits, as well as truncation, imaging, This track focuses on the issues that matter
remote deposit capture, and clearing methods. This track most for financial institutions and non-bank providers
features case studies of application and process integration that are in the business of developing and offering
across payment silos from financial institution and payment solutions—organizations that are competing for
customer perspectives. market share, revenue, and positioning in the payments
field. Sessions explore trends, observations, opportunities,
challenges, and strategies in today’s market.

!
CONTENTS ! 9
WORKSHOPS — Sunday, April 25

“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

ORIENTATION
EVP & Head of Cash Management, First Southern Bank

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.

WORKSHOPS
1:00 p.m. – 3:00 p.m. 3:30 p.m. – 5:30 p.m.
Introduction to the ACH & the ACH 201
NACHA Operating Rules 602/603
602/603
Interpreting Returns: What Originators Can Learn
Making the Payment Decision: Best Practices for from ACH Return Data
Corporate Originators 604
604
Introduction to the Prepaid Card
Card Payments 101 606
606
International Payments Primer
U.S. Payments Systems Primer 607
607
Creating a Partnership: Third-Party Senders & Banks
Inside the ACH File: A Walk on the Technical Side 608
608
The Changing Legal & Regulatory Environment
Payments Risk 101 – A Risk Management Roadmap 609
609
Mobile Banking – Getting on Board
Alternative Payments Primer 613/614
613/614

Workshops sponsored by

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

!
CONTENTS ! 11
WORKSHOPS — Sunday, April 25
Payments Risk 101 – A Risk Alternative Payments Primer Interpreting Returns:
Management Roadmap 613/614 What Originators Can Learn
609 1:00 p.m. - 3:00 p.m. from ACH Return Data
1:00 p.m. - 3:00 p.m. Workshops 604
Workshops New payment channels and technologies are 3:30 p.m. - 5:30 p.m.
This valuable workshop provides attendees with being introduced at a breakneck pace. If you’re Workshops
a roadmap for establishing and maintaining a finding it difficult to keep up with them all, this Analyzing your ACH returns and acting on
risk management program that can be easily workshop is for you. Speakers provide an what you learn can improve your collection rate,
understood and implemented by bankers, their overview of the leading emerging channels for reduce your transaction processing costs, and
management, and credit management. It offers payment initiation, such as mobile payments, speed your company’s cash flow. In this eye-
a complementary approach to underwriting NFC/contactless payments, “decoupled,” opening workshop, presenters categorize ACH
focused on creditworthiness to support settle- PIN-less, and reloadable debit cards, Revolution returns by the problems that cause them.
ment risk and customer internal controls to guard Card, PayPal, Google Checkout, Amazon Flexi- Attendees learn to identify problems encoun-
against losses due to errors or fraud made possible ble Payments, NACHA’s Secure Vault Payments, tered at the account holder level that result in
through variations in file structures, delivery and BillMeLater. And if this primer piques your R01 Insufficient Funds, R02 Account Closed
channels, and control tools and processes. interest, speakers provide a list of concurrent returns, and R03 No Account/Unable to Locate
Speakers address the challenges associated with sessions that cover these emerging payments Account returns. Speakers address common areas
keeping bankers trained on risks, developing a types in greater depth to help you make the of confusion regarding authorization language
credit policy that provides guidance for the most of your PAYMENTS 2010 experience. provided to consumers and common transaction
evaluation and management of credit and fraud Suggested companion workshop is Mobile initiation errors that cause R08 Payment
risks based on risk controls available to the Banking – Getting On Board. Stopped or R10 Customer Advises Not
ODFI, and the importance of broad-based Level: Fundamental Authorized returns. In the B2B space, incorrect
participation in the daily management of files Melissa Lowry or insufficient information can result in ACH
causing exceptions. Also discussed are quantifica- Vice President, Wells Fargo blocks and filters stopping debits to recipient
tion and qualification of exposure and the accounts. Speakers discuss simple changes
relevance of distinguishing between maximum George Peabody
Director, Emerging Technologies Advisory Service,
Originators can make to reduce their return
potential exposure and practical risk in the rates and examine ways in which corporate
Mercator Advisory Group
underwriting process as well as ideas for practitioners can increase their collection rate
evaluating third-party senders and, where on return re-deposits. Suggested companion
appropriate, their customer-Originators. ACH 201 workshop is Making the Payments Decision:
Suggested companion workshop is The Changing 602/603 Best Practices for Corporate Originators.
Legal & Regulatory Environment or Creating 3:30 p.m. - 5:30 p.m. Level: Intermediate
a Partnership: Third-Party Senders & Banks. Workshops Thomas Carlton Jr., AAP
Level: Fundamental This workshop builds on principles addressed VP, Strategic Business Development, FIS
Keith Crockett in Introduction to the ACH & the NACHA Arthur Hilgert, AAP
Operations Risk Manager, Corporate Risk Management, Operating Rules. Speakers drill down into VP, ACH Product Manager, Wells Fargo
BBVA Compass complex concepts and explore NACHA
Operating Rules nuances in detail as they
Gary B. Nesbitt, AAP
Dan Heller SVP, Administration & Training, EastPay, Inc.
SVP, Treasury Management Credit Supervisor, apply to payment origination and receipt, risk
Wells Fargo 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

!
12 CONTENTS !
WORKSHOPS — Sunday, April 25
Introduction to the Prepaid Card Creating a Partnership:
606 Third-Party Senders & Banks
3:30 p.m. - 5:30 p.m. 608
Workshops 3:30 p.m. - 5:30 p.m.
Speakers in this workshop examine the strategic, Workshops
business, and operational aspects of pre-paid or Third-party senders and financial institutions,
Stored Value Cards from the financial institution when working together to develop a strong ACH
and distributor points of view for branded and origination strategy and processing profile built
non-branded products. Topics covered include on sound operating controls, provide the ACH
types of pre-paid offerings such as gift cards and Network with high quality transactions that
payroll cards, open loop versus closed loop, how deliver significant value to both originators and
cards operate, risks associated with card issuance receivers. Speakers explore the working relation-
and acceptance, unique characteristics of pre- ship between third-party senders and financial Mobile Banking –
paid cards versus “standard” debit cards, and key institutions and examine a high-level case study Getting on Board
legal and regulatory issues associated with these that highlights an ACH implementation strategy
products. What is the future of prepaid cards, and and tactical activities leveraged on an ongoing
613/614
how will payroll, healthcare, and government 3:30 p.m. - 5:30 p.m.
basis to manage quality. Suggested companion
benefit usage in the future. Suggested companion workshop is Payments Risk 101 – A Risk Workshops
workshop is Card Payments 101. Management Roadmap. Many payments experts believe everyone
Level: Fundamental Level: Intermediate should jump on the mobile payments bandwagon
while there are still open seats. Do you have the
Janet C. Guthrie Joseph T. Belczyk answers you need before making the jump?
Vice President, MasterCard Worldwide VP, ACH & EC Operations, PNC Bank
Presenters in this workshop analyze topics that
Kristen Trusko Kerry Sellen, AAP directly influence the outcome of an organiza-
President & Executive Director, NBPCA VP, Electronic Payment Processing, tion’s mobile payments strategy—mobile opera-
TeleCheck Services, Inc. tor control, operator billing, and underlying
International Payments Primer payments mechanisms. These systems have
The Changing Legal & varying capabilities and economics associated
607
Regulatory Environment with them. Can mobile adapt and maintain a
3:30 p.m. - 5:30 p.m.
positive value proposition? Is mobile the freedom
Workshops 609 trail for merchants with powerful consumer
This workshop offers a concise and 3:30 p.m. - 5:30 p.m. brands to break away from dependence on
comprehensive crash course on global payments. Workshops card-based systems? Suggested companion
Concepts covered include payment method How far is the law lagging behind technology in workshop is Alternative Payments Primer.
alternatives, risk management, foreign exchange, the brave new world of payments convergence? Level: Fundamental
message standards, emerging payment types, It is time to change the law or regulations that
regional updates, Islamic banking, and regulatory Devon Marsh
apply to processing checks (Uniform Commer-
issues. Speakers explain key terms, players, and Senior Vice President, Wells Fargo
cial Code and Regulation CC) or electronic
industry developments. Whether you work for a payments (The Electronic Funds Transfer Act Christopher Peper
company with international disbursement and/ and Reg E)? The rules for paper checks converted VP, Mobile Strategy & Operations, U.S. Bank
or collection needs or a financial institution to image or ACH items differ for processing,
addressing the global payment needs of its returns, and adjustments. Should the law
customers, this workshop gives you a solid acknowledge “payments convergence” and
understanding of global payments and what develop a unified legal approach? What would
they mean to your organization. Suggested that look like, and what would it mean for the
companion workshop industry? Come to this session and learn where
is U.S. Payments Systems Primer. the industry is going, what are the possible
Level: Fundamental outcomes, and when we might arrive.
Jane Hennessy Suggested companion workshop is Payments
Executive Vice President, Wells Fargo Risk 101 – A Risk Management Roadmap.
Alan Koenigsberg Level: Intermediate
Managing Director, J.P. Morgan Duncan Douglass
Partner, Alston & Bird, LLP
Jeanette Hait Blanco
Senior Counsel, Bank of America

!
CONTENTS ! 13
14
MONDAY, April 26
Automated Check Corporate Payments
Card Solutions Global Focus Risk & Compliance The Payments Biz
Clearing House Electronification Solutions
Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by

8:00 a.m.- The Payment Business & ACH How Prepaid Cards Can Payment Systems Architecture in Settlement Processes: A Look at Risk Through the Eyes of a BSA Establishing Criteria for
9:00 a.m. from a Community Bank’s Complement Existing Payment a Complex Business the European Payments Officer - 608 Healthcare Payment Partners -
Perspective - 611 Solutions - 604 Environment - 602/603 Integration - 606 607
EBIDS is Ready for its Close-up: Payroll Innovation to Benefit A Walk Through the Global Web 2.0 & The Emergence of
Putting Online Presentment & Employess & the Environment - Traveler’s Wallet – A Global Social Payments -609
Payment to Work for Your 618-620 Perspective on Cards - 612 ePayments – The New Bill
Business - 616/617 Payment - 613/614

9:15 a.m.-
Opening General Session — Sponsored by
10:15 a.m.
11:15 a.m.- Building a Real International Payment Card Industry Data The Change from Paper to Doing More with Less: A/P International Cash & Card Third-Party Risk: Keeping You & P2P Payments: A Lucrative &
12:15 p.m. ACH– Legal & Compliance Security Standard: Why Comply? Electronic: Why the Delay? Let’s Automation at Columbia Management – a Survival Guide Your Bank out of Trouble - 606 Untapped Market Opportunity for
Challenges - 616/617 - 609 Pick up the Pace - 604 Sportswear - 602/603 to the Global Payments Banks - 607
Going Paperless: Making the Landscape - 612 Remote Mobile Payments for
Switch to 100 Percent Electronic Banks: Keys to a Successful
Receivables - 611 Rollout - 608
Replacing Cash & Checks with

CONTENTS
P2P Money Movement - 613/614
Fundtech’s PaymentsLIVE! -
Thought Leadership Spotlight -
Ballroom 6ABC

!
12:15 p.m.- Lunch in the Exhibit Hall
1:15 p.m.
1:30 p.m.- Taking the Sting out of ACH Evolving Trends in Card-Based Maximizing Return on RDC at Debugging Electronic Payments - Business Continuity – Are You Who Moved My Business
2:30 p.m. Dispute Management - 611 Fraud & Global Best Practices - Every Point of Contact - 613/614 602/603 Ready for Anything? - 604 Model??!? - 607
608

!
Recent Developments in NACHA’s Risk Management Payments Opportunities for
Electronic Payments Law - 618- Strategy Update - 606 Community Banks - 609
620 Back-End Payments & the
Healthcare Industry - 612
Exhibit Hall Hours • Monday, April 26 Mobile Money: How to Make
Money Moving from Mobile
Exhibit Hall Open To Conference Attendees CLOSED for Industry Agenda General Session* Banking to Mobile Payments -
10:15 a.m. – 5:00 p.m. 2:45 p.m. – 3:45 p.m. 616/617
2:45 p.m.-
Industry Agenda — Sponsored by
3:45 p.m.
4:30 p.m.- Beyond the Boilerplate: Agreeing Debit 2.0 – Affinity Debit Card SEC Code Risk Management: How Coca-Cola Enterprises is The Impact of the European Fraud & Security: The Next Mobile Payments in Future Tense
5:30 p.m. on an Agreement - 604 Programs - 607 Frauds, Fallacies & Facts - 611 Quenching the Thirst for Payment Service Directive on Generation - 606 - 608
Simplification is Simple: Alternate B2B Payment Solutions U.S. Banks & Payments - Realizing End-to-End Encryption Survey Says: Small Businesses
Navigating the “New” NACHA - 602/603 613/614 & Data Level Security in the Will Pay for Services - 609
Operating Rules - 618-620 Payments Industry - 616/617 Be Careful What You Wish For:
Managing the Challenges related
to Electronic Bill Payment
Adoption - 612

6:30 p.m.-
8:30 p.m. Monday Night Celebration Sponsored by
Monday, April 26
Continental Breakfast Sponsored by How Prepaid Cards Can Establishing Criteria for Healthcare
East Lobby, 6th Floor Complement Existing Payment Payment Partners
7:00 a.m. - 8:00 a.m. Solutions 607
604 8:00 a.m. - 9:00 a.m.
Payment Systems Architecture in a 8:00 a.m. - 9:00 a.m. The Payments Biz
Complex Business Environment Card Solutions Medical billing companies face multiple payments
602/603 Given the current economic and financial challenges - the inefficiencies of paper check
8:00 a.m. - 9:00 a.m. environment, companies are looking for ways to payments, managing credit/debit card payments,
reduce costs and increase efficiencies to improve staffing for phone payments, and establishing
Corporate Payments Solutions
their bottom lines and increase their competitive recurring payments for patients who pay off large
The complexities of today’s business environ- balances over time. An ideal payment partner
edge. Many companies have chosen to imple-
ment demand greater flexibility, scalability, and would provide a full array of payment processing
ment corporate cards, purchasing cards, and busi-
real-time visibility into cash transactions and options for clients, including credit/debit cards,
ness debit cards to reduce costs and inefficiencies
balances. For many organizations, the limitations online, phone, paper checks, and ACH payments,
from day-to-day business processes. But what
of existing payments architecture make it as well as the ability to deposit funds collected
about the business functions still utilizing cash or
increasingly difficult for payment processes to directly into the physicians’ bank accounts without
checks for company payments that traditional
support strategic business objectives. As a result, changing banking relationships for the billing
credit or debit products cannot address? Prepaid
cash management decisions grow more difficult company, physicians, or clients. Attendees learn
cards can eliminate checks and cash in areas
to make. Within this scenario, Web-based how to establish criteria for payment partners,
including payroll, incentives, travel advances,
enterprise payments factories have quickly select payment solutions, and hear an in-depth
and more. This provides an opportunity for
emerged as a cornerstone for next-generation discussion on 10 benefits that can result from
financial institutions to add new products to
payments systems. Providing a single platform implementing the ideal solution.
their portfolios to meet customer needs and gen-
for origination and reporting, payments factories
erate a new, low-risk revenue stream. Learn how Level: Fundamental
allow organizations to move away from disparate
commercial prepaid card products can comple- Jeff Whiting
systems in favor of an approach that supports
ment your existing payment solutions. Discover President & CEO, Alta Medical Management
a convergence of activities, efficiencies of
how to further drive down the cost of day-to-day
automation, better decision making, and lower William Wong, CCM
business processes and increase efficiencies.
maintenance costs. This case study explores EVP Merchant Solutions, NetDeposit
PMA’s recent use of a payments factory to Level: Intermediate
streamline its claims payment processes and Elisa Corridore Risk Through the Eyes of a
provide attendees with insight into their efforts VP, Global Commercial Prepaid Product,
to convey the business value of a payments MasterCard Worldwide BSA Officer
factory to other organizational stakeholders; Darin Horrocks 608
identifies the key solution functionality required Director, Corporate Payment Services, Comdata 8:00 a.m. - 9:00 a.m.
to meet today’s specific business needs, while Risk & Compliance
Becky Phipps
offering the scalability to address tomorrow’s What types of BSA risks exist and how do
VP, North America Sales, Cards & Mobile,
growth and challenges; and discusses best institutions deal with those risks? Speakers
Travelex Currency Services
practices for instituting new processes (i.e. bulk explore risk mitigation from the perspective of
payments) ideally suited to needs based on the the BSA profession and discuss the experiences
flexibility gained through a payments factory Settlement Processes:
of institutions with significant international
approach. A Look at the European ACH activity. Learn how they manage the
Level: Intermediate Payments Integration BSA/AML risks of these transactions. Did we
Vincent Bahl 606 learn from IAT, and how will lessons learned
VP, Payments Systems Engineering, Bottomline 8:00 a.m. - 9:00 a.m. affect other applications, including RDC?
Technologies, Inc. Global Focus Level: Intermediate
Vito Nigro, CPA, CIA, CTP European policy makers devoted great effort to Rebecca Conner
VP & Treasurer, PMA Capital Corporation the establishment of a common payment and Vice President, Texas Capital Bank
securities settlement infrastructure in Europe. Lyn Farrell
The introduction of the Euro led to the creation Managing Director, Risk Mgmt Services,
of TARGET2, Single Euro Payments Area Sheshunoff Consulting + Solutions
(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
!
CONTENTS ! 15
Monday, April 26
Web 2.0 & The Emergence of A Walk Through the Global to a centralized money movement portal, the
Social Payments Traveler’s Wallet – A Global implications of doing so from the online and
mobile perspectives, how consumers and FIs benefit
609 Perspective on Cards from this concept, what the opening up of the
8:00 a.m. - 9:00 a.m. 612 PayPal’s API’s network means to financial
The Payments Biz 8:00 a.m. - 9:00 a.m. institutions, and how PayPal can help to
Social e-commerce and virtual currencies are Global Focus strengthen the FI-consumer relationship.
the new frontier of payments. Person-to-person Speakers in this session explore the global Level: Fundamental
transfers, charity donations, and micropayments traveler’s wallet. Explore the changes in Eric Jamison
for virtual goods are exploding within social commercial and pre-paid programs around the Product Manager, FIS
networks. In this session, Glenbrook provides an globe including changes with the advent of
overview of social networks: their reach, who CHIP/PIN, contactless, and the business benefits
Dan Schatt
participates, how consumers and businesses Head of Financial Innovations, PayPal, Inc.
of using cards for procurement online. Under-
interact online, and the increasingly influential stand how these innovations in payment schemes
role the social Web plays in guiding purchase affect companies and consumers. Are there EBIDS is Ready for Its Close-up:
decisions, both online and off. Speakers demon- incentives to use one or the other, and how do Putting Online Presentment &
strate how payments within Facebook, MySpace, global economic experts rate each method? Payment to Work for Your Business
and Twitter work today and outline probable Speakers review the key industries and geogra-
future social payment scenarios. Finally, speakers phies for prepaid/commercial cards with a focus 616/617
examine the social payment business model: on the lucrative yet fragmented European market
8:00 a.m. - 9:00 a.m.
who’s profiting from this emerging payment as well as the online space. How can banking Automated Clearing House
domain? Presenters explain social shopping, institutions successfully enter these markets? As consumers increasingly adopt online banking
affiliate networks, the importance of developer Speakers also explore the changing regulatory practices, businesses face new opportunities to cash
networks, APIs and widgets, and transactional landscape and highlight upcoming changes in in on this electronic trend. Speakers examine the
advertising and examine how established leaders the Canadian market. NACHA Electronic Billing and Information
in e-commerce like PayPal, Amazon, Apple, and Delivery Service (EBIDS) initiative, and how this
Level: Intermediate
Google are enabling social payments. Speakers solution makes it easier and safer for consumers to
identify the niche social and micropayment Alan Koenigsberg receive and pay bills through their online banking
players, including PlaySpan, Jambool, Boku, Managing Director, J.P. Morgan
accounts. Speakers review the complete on-boarding
Zong, Zoura and more. William Lorenz process, including the specific roles and responsibili-
Level: Advanced Banking & Compliance Director, EntroPay ties of the retail bank, the biller, and the customer.
Jacqueline D. Shinfield Presenters also outline the implementation process
Russ Jones
Partner, Glenbrook Partners Partner, Blake, Cassels & Graydon LLP and how businesses can utilize current linkages with
banks and other providers. As EBIDS rapidly reaches
Erin McCune a tipping point for success, billers should take
Partner, Glenbrook Partners e-Payments – The New Bill
advantage of opportunities to increase customer
Payment adoption of e-billing. In addition, speakers enumerate
The Payment Business & ACH from 613/614 the business benefits of EBIDS, such as payment
a Community Bank’s Perspective 8:00 a.m. - 9:00 a.m. posting with credit payments and guaranteed
The Payments Biz remittance, elimination of exception payments,
611
Payments have moved from the traditional paper and ways in which to better serve customers in the
8:00 a.m. - 9:00 a.m.
bill payments to a new model-managing elec- growing online banking channel.
Automated Clearing House
tronic payments to companies, individuals, and Level: Intermediate
As the financial landscape continues to change
self using a concise, single model. This session Steven E. Bernstein
and stabilize, financial institutions will never be
focuses on methods that financial intuitions can Executive Director, J.P. Morgan
the same. Speakers in this session examine how
employ to help centralize money movement to
one community bank took payment business and Angeline DePauw
the online and mobile channels. From account
operation, as well as ACH, and leveraged that Director, Electronic Remittance, Verizon Communications
transfers and P2P transactions to bill payment,
commoditized business to gain market share Christopher Huppert
overnight checks, and pre-paid card top-offs,
and deposit growth. What challenges did they SVP, Wholesale Internet & Treasury Solutions,
consumers are looking for fast and convenient
face internally, and how were they overcome? Wells Fargo
methods to facilitate the movement of money.
What steps did they take to implement this Rob Unger, AAP
By taking a fresh approach to the online and
new approach, how long did it take to arrive
mobile channels and by working with alternative Senior Director, Network Services, NACHA -
at the goal, and what were the results? The Electronic Payments Association
solution providers like PayPal, FIs can begin to
Level: Fundamental make this centralized money movement portal a
Jeffrey D. Foote, CTP reality. The opening up of PayPal’s API’s presents
EVP, Commercial Banking, Broadway National Bank FIs with a new and exciting opportunity to
Casey H. Wilcox further strengthen the relationship with their
VP & Manager, Fundtech Corporation customers by offering them access to the P2P
and alternative payment space from their trusted
banking relationship. Learn how FIs can move

!
16 CONTENTS !
Monday, April 26
Payroll Innovation to Benefit
Employees & the Environment
Opening General Session: Refreshment Break in the
Exhibit Hall – Grand Opening
Immediacy & Transparency
618-620 Exhibit Hall 4AB
8:00 a.m. - 9:00 a.m. in Payments 10:15 a.m. - 11:15 a.m.
Card Solutions Sponsored by
In 2009 the nation’s largest employer migrated Ballroom 6ABC Doing More with Less:
hundreds of thousands of employees from paper 9:15 a.m. - 10:15 a.m. A/P Automation at Columbia
checks to electronic pay. In this session, the Sportswear
General Interest Sessions
speakers will review some of the challenges
retailers face in the traditional distribution of Necessity (or frustration) is the mother of 602/603
payroll. The speakers will discuss how the invention. Jim McKelvey could not sell a piece 11:15 a.m. - 12:15 p.m.
electronic pay initiative is consistent with of his handcrafted glass artwork because he was Corporate Payments Solutions
Walmart’s sustainability goals, and how unable to accept the customer’s preferred How does a billion-dollar apparel company
Walmart and its partners collaborated to payment choice. That lost transaction resulted in automate all processes from purchase order
provide a comprehensive and innovative Square— the smart phone terminal that allows delivery through payment on a single platform to
solution required by a diverse workforce of anyone to accept payments. Square seeks to bring remove paper, inefficiency, and manual tasks?
1.4 million U.S. employees. the same characteristics to payments that attracts Columbia found that once it automated these
so many to Twitter—immediacy, transparency, processes, they could leverage many innovative
Level: Advanced
and approachability. Twitter has already changed financial supply chain programs. Columbia
Stav Gil the way millions of people communicate. Sportswear and its strategic partner, TradeCard,
Vice President, First Data Prepaid Will Square change the way millions of deliver a fascinating case study on Columbia’s
Ron Hynes businesses and consumers accept payments? approach to financial supply chain automation
SVP, Global Prepaid Solutions, MasterCard Worldwide Join us as Jim McKelvey, Square’s chairman, and and the benefits that grew from this project.
Jason Marshall Jack Dorsey, creator, co-founder and chairman of
Level: Intermediate
Senior Director, Payment Services, Walmart Stores, Inc. Twitter and CEO of Square, respond to a panel
of payments industry experts and their toughest John Bailey
Diana McChristian Director of Finance, Columbia Sportswear
questions. Participate in this interactive session
Director, Payroll, Walmart Stores, Inc.
as Jack and Jim respond to real-time tweets Kurt Cavano
during the last ten minutes of the session. Chairman & CEO, TradeCard, Inc.
Janet O. Estep
President & CEO, NACHA – The Change from Paper to
The Electronic Payments Association 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
Jack Dorsey Jim McKelvey
across channels continues to be a challenge.
Creator, Co-founder & Chairman, Square, Inc.
Certain segments are quick to adopt, while
Chairman of Twitter,
others lag behind. Speakers in this session
CEO of Square, Inc.
explore the conundrum at the consumer and
Panelists: corporate level, as well as the community and
mid-sized FI level. Is adoption decelerating due
Steve M. Ellis
to perceived regulatory concerns and perceived
Executive Vice President, Wells Fargo
risk and float, or simply a lack of understanding
Will Wade among FIs and therefore their clients? Speakers
Technology Editor, American Banker help dispel the misconceptions around moving to
James Wallis an electronic payment operation, collection, and
Vice President, Global Payments Industry, IBM 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

!
CONTENTS ! 17
Monday, April 26
Third-Party Risk: Keeping You & Remote Mobile Payments for Replacing Cash & Checks with P2P
Your Bank Out of Trouble Banks: Keys to a Successful Rollout Money Movement
606 608 613/614
11:15 a.m. - 12:15 p.m. 11:15 a.m. - 12:15 p.m. 11:15 a.m. - 12:15 p.m.
Risk & Compliance The Payments Biz The Payments Biz
Speakers examine third-party risk in the ACH Speakers in this session explore the remote mobile What is the state of consumer demand for P2P
Network through a series of real-world case payments market and the important decisions that payment services offered via the bill payment
studies from NACHA’s Risk Management will place financial institutions on the path to services of financial institutions? To find out,
Advisory Group (RMAG). For each case study, mobile commerce profitability. Presenters identify NACHA partnered with FIS, PayPal and eCom
speakers examine what went wrong and why and opportunities for financial institutions, mobile Advisors to field primary research completed by
more importantly, what they missed during new operators, and technology providers to address the nearly 1,200 consumers in February 2010. The
customer implementation, ongoing operations, challenges of interoperability and collaboration in research reveals there is substantial opportunity
or the period when banks were trying to close order to realize market potential. Presenters con- for FI's to offer P2P payment services to replace a
down their third-party processors. Attendees trast different characteristics of remote mobile pay- range of cash and check exchanges that take
learn what to look for in their own client base ment models, such as bank-centric or telco-centric; place between individuals, including interna-
and when prospective clients approach and stored value or direct tie to bank account; central- tional remittances. Consumers see significant
leave with a list of best practices they can ized or decentralized; trusted service providers or value in conducting P2P transactions using their
immediately implement. carriers; and SMS, WAP, or downloadable client computers, and even more so, their mobile
Level: Intermediate options. Industry leaders discuss the magnitude of devices. This presentation of this never-before-
the opportunity, the speed at which the market is seen research at PAYMENTS includes:
Jeanette A. Fox, AAP maturing, the transition from mobile banking to
Senior Director, Risk Investigations & Services,
Consumer awareness and preferences for P2P
mobile payments, and whether a particular service payments; the critical role mobile technologies
NACHA - The Electronic Payments Association
model is emerging as the optimum choice. play in driving adoption and utilization; con-
Peter Hohenstein, CCM sumer perceptions of financial institutions as
Level: Intermediate
Senior Vice President, Bank of America Merrill Lynch one-stop-shops of ePayment solutions; and how
Rusty Carpenter
General Manager, U.S., CPNI, Inc. to leverage this information to successfully
P2P Payments: A Lucrative & introduce P2P payments within your institution.
Carl Morath
Untapped Market Opportunity Global Head of Banking, Sun Microsystems, Inc. Level: Intermediate
for Banks Paul McAdam
607 Partner, eCom Advisors
Payment Card Industry Data
11:15 a.m. - 12:15 p.m.
Security Standard: Why Comply?
The Payments Biz
609 International Cash & Card
P2P payments have experienced significant
11:15 a.m. - 12:15 p.m.
growth since the launch of PayPal in 1999 and Management – A Survival Guide
represent approximately 35 billion transactions Card Solutions
to the Global Payments Landscape
per year. The service offers significant advantages Every merchant’s worst nightmare is a lead story on
the news about cardholders’ information being 612
for banks, including the ability to generate new
stolen from their company. That’s why Payment 11:15 a.m. - 12:15 p.m.
transaction-based revenue, attract new cus-
tomers, and increase loyalty. Session attendees Card Industry (PCI) data security compliance is a Global Focus
learn best practices for a P2P payments service hot topic. It’s also a challenge. Passing an annual Speakers in this session explore vast regions of
along with key success factors for implementing PCI audit doesn’t guarantee compliance next week diversity in the payments industry and dive deep
an integrated mobile and online P2P service. or next month. Yet these security rules may be the into the basics of cash management, cards, trade
best defense for keeping cardholder information finance, and foreign exchange in the interna-
Level: Intermediate
safe from thieves and hackers. In this session, tional arena. Whether you are a payments novice
Jason Hills industry experts cite real examples of recent or expert, ample opportunities exist to hear and
General Manager, Major Financial Institutions, breaches and share how non-compliance can nega- discuss payment innovations, regulatory changes,
CashEdge tively impact your business and brand. Hear how and developments in the industry, as well as
Jaylene Tsukayama industry, regulatory, and legislative organizations evolution of e-payments, e-invoicing, and
VP & Manager, Home Banking Department, react to major compromises. Determine what level e-procurement. Attendees leave with a healthy
First Hawaiian Bank of PCI certification is applicable for your company. regimen of payments industry basics.
Level: Intermediate Level: Intermediate
Robert J. McCullen Jane Hennessy
Chairman & CEO, Trustwave Executive Vice President, Wells Fargo
Debra Rossi Alan Koenigsberg
Executive Vice President, Wells Fargo Managing Director, J.P. Morgan
Bob Russo
General, PCI Security Standards Council, LLC

!
18 CONTENTS !
Monday, April 26
Going Paperless: Making the Building a Real International Fundtech’s PaymentsLIVE! -
Switch to 100 Percent Electronic ACH – Legal & Compliance Thought Leadership Spotlight
Receivables Challenges Ballroom 6ABC
611 616/617 11:15 a.m. - 12:15 p.m.
11:15 a.m. - 12:15 p.m. 11:15 a.m. - 12:15 p.m. The Payments Biz
Corporate Payments Solutions Automated Clearing House Is there any doubt that banking will experience
Under growing pressure to improve process The successful implementation of the significant change as a result of the financial
efficiency, treasury is increasingly turning to International ACH Transaction (IAT) in crisis? Our panel of distinguished bankers and
electronic receipt of payments to achieve critical September 2009 does not negate the fact that corporate thought leaders share their perspectives
cash management goals. AT&T and Western countless legal and compliance challenges on key trends and provide suggestions on how to
Union share their best practices in creating an surrounding the creation of the International position your institution for growth in these
infrastructure capable of consolidating payments Payments Framework (IPF), with its mission of turbulent times. This session features a live
from consumers, vendors, and government further improving non-urgent, cross-border video webcast to a global audience with
entities and handling entirely electronic sources payments remain. What will IPF do in global audience questions submitted via Twitter.
for payments made via nearly every interface, terms, and what does this mean for ACH-partici- Level: Advanced
including online banking, Web portals, tele- pating banks? The Federal Reserve and IPF legal Leslie Bertha, CCM
phone and mobile devices. Presenters outline counsel examine the goals, strategies, and future EVP, Global Sales & Relationship Mgmt., Fundtech
their migration processes, format and billing of the IPF, along with the unique opportunities Corporation
options, and implementation techniques. that SEPA’s adoption of a single format for
cross-border payments within Europe and the
Marcie Haitema
Speakers share how they worked closely with
EVP, Correspondent Services, U.S. Central
their banking partners to achieve results. In IAT in the States provides to banks in the U.S.
addition, they explore how security, (P2P) Can these initiatives link the rest of the world? Cynthia Murray
payments, same-day settlement, and guaranteed What does the effort to globalize mean to the SVP, Innovation & Development Executive, Bank of
payment processes factor into the decision to international payments landscape? Learn what America Merrill Lynch
adopt electronic receive of payments. challenges face the IPF: what it takes to Sharon Petrey, CTP
Level: Intermediate bridge different transaction formats, rules and Corporate Director Treasury, Coca-Cola Enterprises, Inc.
currencies; create a common legal framework for Colleen Taylor
Steven E. Bernstein often competing business cases; and comply with
Executive Director, J.P. Morgan EVP, Treasury Management, Capital One
the legal and regulatory requirements of many
Steve Kramer Moderator: George Ravich
different countries. Attendees gain a better
Vice President, Western Union EVP & Chief Marketing Officer, Fundtech Corporation
appreciation for the promise of the IPF and for
Sandra L. Runyon, AAP, CCM the challenges faced as the industry works to
Senior Business Manager,Treasury Operations, AT&T further improve non-urgent, cross-border Lunch in Exhibit Hall
payments. Exhibit Hall 4AB
Level: Advanced 12:15 p.m.-1:15 p.m.
Richard M. Fraher
Assistant General Counsel, Federal Reserve Bank
of Atlanta
Hope Schall
Associate, Vedder Price

!
CONTENTS ! 19
Monday, April 26
Debugging Electronic Payments NACHA’s Risk Management Evolving Trends in Card-Based
602/603 Strategy Update Fraud & Global Best Practices
1:30 p.m. - 2:30 p.m. 606 608
Corporate Payments Solutions 1:30 p.m. - 2:30 p.m. 1:30 p.m. - 2:30 p.m.
Everyone advocates the move from paper Risk & Compliance Card Solutions
payments to ACH and names the reasons why: NACHA’s Risk Management Advisory Group The speaker in this session presents an overview
greater efficiency, lower costs, shorter float, (RMAG) identifies sources of risk in the ACH of evolving trends in global card-based payments
greenness, the opportunity to automate process- Network and develops efficient, targeted fraud and case studies of best practices across
ing and reconciliation. But no one talks about approaches to risk mitigation. Taking into con- numerous countries. Topics include a brief back-
the exceptions, the notifications of change sideration increased ACH volume, more com- ground on the evolution of card-based payments
(NOCs), the data adaptations, the possible plex applications, and a higher propensity for fraud over the past three decades and current
NACHA rules violations and accompanying fraud across all payments channels, the ACH examples of the sophisticated nature of global
fines, or the complexity of signing on and setting Network requires a comprehensive, integrated card-based payments fraud. A holistic methodol-
up vendors for electronic payments. These bugs risk management strategy. Speakers review what’s ogy to calculate the “true cost” of card-based
can derail your paper to electronic migration. on the horizon for RMAG and the risk environ- payments fraud and an approach to calculating
Corporate practitioners discuss the issues they ment and discuss critical initiatives designed to the impact of fraud across a variety of stakehold-
encountered in moving away from paper and ensure high-quality ACH transactions and ers in the payments value chain along with sup-
share best practices on how you can debug your reduce risk for all Network participants. porting proprietary data provide insight into the
electronic payments and processes as they did current levels of fraud in varying sectors. Also
Level: Advanced
theirs. Attendees learn pitfalls to avoid in discussed are the impact of Chip & PIN-based
moving customers and vendors to electronic Keith Crockett
authentication worldwide on U.S. fraud levels
payments, best practices for signing on and Operations Risk Manager, Corporate Risk Management,
and the CHIP/PIN experience in Canada.
setting up vendors to receive ACH payments, BBVA Compass
Finally, the speaker presents a series of case
and keys to success in accepting ACH payments Chrystina M. Giorgio, AAP studies that outline assorted approaches taken by
from customers. SVP, Operations, Sandy Spring Bank various countries to combat fraud and the levels
Level: Advanced of success they experienced.
Rue Jenkins Who Moved My Business Model? Level: Intermediate
Assistant Treasurer, Costco Wholesale Corporation 607 David Poe
Keith K. Theisen, AAP 1:30 p.m. - 2:30 p.m. Director, Edgar, Dunn & Company
EVP, Director of Product Management, Wells Fargo The Payments Biz
For years, U.S. banks have led with “everything Payments Opportunities for
Business Continuity – is free!” while generating huge non-interest fees Community Banks
Are You Ready for Anything? from punitive exception fees on payments and
deposit accounts. In most financial institutions, 609
604 these fees account for 50-70 percent of fee
1:30 p.m. - 2:30 p.m.
1:30 p.m. - 2:30 p.m. income. Impending federal regulation will The Payments Biz
Risk & Compliance change this paradigm sooner than most bankers Community businesses often lack sufficient pay-
Does your business continuity plan need expect. The implementation of federal NSF/OD ment volume to invest in payments technology,
retooling? Effective business continuity planning reform regulation, like recent changes in credit which provides community banks with opportu-
is about being ready when, not if, disaster strikes. cards, is almost certain. Although banks and nities to offer wire transfer as an efficient mecha-
Speakers focus on natural disasters of 2009, credit unions proactively manage interest rates, nism for B2B and other payments. By the end of
including the upper Midwest floods and the pricing science for non-interest fees is decades 2010, Fedwire, the wire transfer system operated
tornado outbreak that impacted portions of behind most other industries. In this strategic, by the Federal Reserve Banks, will provide an
Texas and other parts of the country. Topics forward-looking session, an eCom Advisor information-rich payments message format—
include the general activities of local banks, explores pending NSF/OD reform, identifies Customer Transfer Plus (CTP)—that community
payments systems, and businesses in the after- high-potential opportunities, offers perspectives banks can leverage to offer customized services
math of these disasters as they worked through on the effects of real-time processing, and dis- to their clients. Speakers focus on the features
the recovery process in their attempt to return to cusses customer segmentation and pricing models and business opportunities CTP creates for
normal activity. that will help attendees better prepare for when community banks, as well as what the Fed,
Level: Fundamental this imminent shift becomes reality. service providers, and a bank are doing to
Level: Intermediate prepare. Topics include testing opportunities,
Nell Campbell-Drake possible channels to pass new information, and
Assistant Vice President, Federal Reserve Bank Fred Brothers benefits and costs associated with offering the
of Atlanta Managing Partner, eCom Advisors
new format.
Deborah A. Koller Level: Intermediate
Assistant Vice President, Federal Reserve Bank
of Minneapolis Robert Bucco
Vice President, Federal Reserve Bank of Philadelphia
James Poteet
VP, Product Management & Development, Brinks Cary Whaley, III, AAP
Director, Payments & Technology Policy, Independent
Community Bankers of America

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

!
CONTENTS ! 21
Monday, April 26
Industry Agenda: How Coca-Cola Enterprises is
Quenching the Thirst for Alternate
Fraud & Security:
The Next Generation
Retailer Perspectives B2B Payment Solutions 606
on Consumer Payments 602/603 4:30 p.m. - 5:30 p.m.
Ballroom 6ABC 4:30 p.m. - 5:30 p.m. Risk & Compliance
2:45 p.m. - 3:45 p.m. Corporate Payments Solutions Two of the largest fraud solution providers meet
General Interest Sessions Enter the arcane world of B2B cash payments. to discuss fraud as it exists today. Speakers
Sponsored by Most direct-store-delivery (DSD) companies col- explore the challenges providers and financial
lect COD payment from a subset of their cus- institutions face and examine trends and analysis
tomers, typically small retailers and independent concerning threats to business practices. What
grocers. DSD route drivers literally collect billions are consulting companies doing to combat fraud?
of dollars in currency, coins, and checks, which Is it enough? Providers look at what they are
must be counted, reconciled, locally deposited, doing to position themselves to deliver effective
and centrally applied to open A/R balances. products and invite users to discuss their views
Coca-Cola Enterprises is in the midst of piloting regarding the industry’s continuing fight against
“cashless delivery” alternatives for its 250,000 fraud. Are the proper tools available, and how
In this panel discussion, representatives from
retail customer locations that currently pay by can providers continue to strive to deliver
leading retailers explore trends and innovations
COD. Learn from Glenbrook and Coca-Cola marketable, user-friendly products?
in consumer payments. Panelists share insight
into unmet payment needs in the retail sector, Enterprises how novel applications of consumer Level: Intermediate
barriers to the greater leveraging of technology, bill payment solutions and receivables products Manuel Da Silva
and opportunities to bring about solutions. have the potential to completely eliminate Consultant, Fraud Analytic Solutions, SAS Institute, Inc
payment at the time of delivery, increase route
Mike Cook efficiency, improve employee safety, accelerate Sonja Schindeler
VP, Finance & Assistant Treasurer, VP, Fraud & Risk Solutions Consulting, ACI Worldwide
cash availability, and reduce cash handling costs.
Walmart Stores, Inc. Level: Intermediate Moderator: Peter C. Hohenstein, CCM
Dee O’Malley Senior Vice President, Bank of America Merrill Lynch
Erin McCune
Director, Financial Services, Partner, Glenbrook Partners
Best Buy Co., Inc. Debit 2.0 –
Sharon Petrey, CTP
Monica K. Zaborac, CCM Corporate Director Treasury, Coca-Cola Enterprises, Inc.
Affinity Debit Card Programs
Treasury Director, T-Mobile USA 607
Moderator: Janet O. Estep 4:30 p.m. - 5:30 p.m.
President & CEO,
Beyond the Boilerplate:
Agreeing on an Agreement Card Solutions
NACHA - The Electronic Payments Association
As more debit transactions occur and greater
604 numbers of competitors look to get a piece of the
Refreshment Break in Exhibit Hall 4:30 p.m. - 5:30 p.m.
market, it is vitally important that FIs manage
Automated Clearing House their debit portfolios to ensure they maximize
Exhibit Hall 4AB
3:45 p.m. – 4:30 p.m. One of the most important pieces of the ACH their portfolio’s potential. This means making
origination process is the agreement, which binds sure existing consumers increase activity and
the customer originating ACH items to the terms encourage in-active account holders to get mov-
set forth by the ODFI. While most customers ing. Panelists explore how rewards play a bigger
have no problem signing an ODFI’s standard part in debit. Topics covered include popular
ACH agreement, some customers require the award programs, reward program business models,
addition or removal of specific language. merchant-funded reward programs, FI Internet
What should be considered when modifying an commerce programs, affinity card programs, and
ACH agreement for a particular customer? the use of debit awards in a segmented portfolio
Who should participate in the process? approach.
Attendees learn what steps they must take to Level: Fundamental
craft an agreement that protects the bank as
well as the needs of the customer. Robert Giltner
Director, Consultant
Level: Intermediate
Mike Grossman
Kristy D. Powell, AAP Chief Executive Officer, Tempo Payments, Inc.
Commercial Risk Manager,
Synovus Financial Corporation Russell Prettitore
VP, Sales, Saylent Technologies, Inc.
Patricia Presta, AAP
VP, Education & Communication,
Moderator: Paul Tomasofsky
President, Two Sparrows Consulting, LLC
Western Payments Alliance

!
22 CONTENTS !
Monday, April 26
Mobile Payments in Future Tense SEC Code Risk Management: Be Careful What You Wish For:
608 Frauds, Fallacies & Facts Managing the Challenges Related
4:30 p.m. - 5:30 p.m. 611 to Electronic Bill Payment
The Payments Biz 4:30 p.m. - 5:30 p.m. Adoption
Speakers in this session explore the evolution Check Electronification 612
and future of mobile payments as a ubiquitous Many industry observers express concern about 4:30 p.m. - 5:30 p.m.
part of our society. With more indicators that the risks that the newer SEC codes, particularly The Payments Biz
mobile payments are now growing exponentially the e-check codes, might bring to the ACH Consumer adoption of electronic payment
through the world, speakers examine the social, Network. Yet, the unauthorized return rates for channels and methods - Internet, IVR, e-mail,
economic, political, financial and legal implica- POP, ARC and BOC plus their sister code WEB e-bill, mobile, ACH, debit card, ATM card,
tions of mobile payments growth over the next are lower than the rate for PPD debits. What credit card, etc.—has hit critical mass and sur-
year and forward to the next decade. The advent then are the risk issues for the e-check SEC passed other traditional bill payment channels.
of mobile payments may signal an end to the Codes compared to other ACH debit transac- As electronic payment volume continues to
common plastic credit and debit cards and cash. tions? In this session, you’ll learn what’s really grow, so does the scale of the inherent challenges
What will be the evolving role of NACHA, going on in risk with the e-check SEC codes associated with them: administrative and NSF
banks and telecoms? How will consumers adapt? compared to other debit transactions, where returns, misapplied payments, unauthorized
How will businesses manage the mobile pay- problems have really been revealed, where they returns, compliance, etc. This panel of payment
ments revolution in B2B commerce? First Data haven’t, and ten risk management steps you can executives discusses how they have successfully
and Booz Allen Hamilton have conducted cut- take away to help prevent fraud from reaching addressed these and other related issues, best
ting-edge work that provides participants with your own doorstep. New research findings from practices on improving electronic payment
new insights on how mobile payments will be NACHA suggest that some worries about fraud adoption, and providing the right electronic
the focus of payments evolution. may be misdirected. In these times of tight options to best meet the needs of diverse
Level: Fundamental operating budgets and bottom-line pressures, consumer populations.
Matthew R. Friend it pays to hone in on the areas where fraud is
more likely to quietly creep in. Level: Intermediate
Principal, Booz Allen Hamilton
Level: Intermediate Angeline DePauw
Dominic Morea Director, Electronic Remittance,
Division Manager, First Data Nancy Grant, AAP Verizon Communications
Susan Pandy Senior Director, Research & Standards, NACHA -
The Electronic Payments Association Carol C. Horn
Senior Director, Internet & eCommerce, NACHA - Supervisor, Credit Policy & Payment Administration,
The Electronic Payments Association Dennis Simmons, AAP American Electric Power
President & CEO, SWACHA - The Electronic
Payments Resource Robert E. Wilson, CTP
Survey Says: Small Businesses Chief Revenue Officer, Fiserv
Will Pay for Services Samuel A. Vallandingham
VP & CIO, The First State Bank
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

!
CONTENTS ! 23
Monday, April 26
The Impact of the European Simplification is Simple:
Payment Service Directive on Navigating the “New”
U.S. Banks & Payments NACHA Operating Rules
613/614 618-620
4:30 p.m. - 5:30 p.m. 4:30 p.m. - 5:30 p.m.
Global Focus Automated Clearing House
Speakers in this session examine the European The key to understanding Rules Simplification is
Payments Service Directive and how that model knowing the rules themselves do not change.
could affect the U.S. banking market. Were there NACHA’s Voting Membership approves the
lessons learned that could benefit Americans, Rules Simplification initiative, the 2011
and could using these lessons impact the recovery NACHA Operating Rules will have a whole new
efforts of the recent financial crisis? look. While the rules themselves will be the
Level: Intermediate same, where you can find them will differ. Speak-
ers in this session explain the reasoning driving
Richard Coll
the Rules Simplification initiative, review exist-
Of Counsel, DLA Piper
ing tools that can help prepare for the possible
Mathias Hanten change, and share lessons learned from the indus-
Partner, DLA Piper try over the last two years.
Mario Reichel Level: Intermediate
Head of Payments Competence Center,
Laurie Appelbaum, AAP
ABK-Systeme GmbH
Payments Association Specialist, The Clearing House
Markus Rupprecht
Wendy Radford, AAP
CEO, TRAXPAY HG
Project Manager, Federal Reserve Bank of Atlanta
Moderator: Richard W. Burke Jr., CCM
Realizing End-to-End Encryption & Senior Vice President, TD Bank
Data Level Security in the
Payments Industry PAYMENTS 2010 Monday Night
616/617 Celebration
4:30 p.m. - 5:30 p.m.
Risk & Compliance Sponsored by
Payment card data is a valuable target for fraud- 6:30 p.m. - 8:30 p.m.
sters. The speaker reviews the challenges and Experience Music Project (EMP) is a one-of-
opportunities facing the payments industry to a-kind music museum combining interactive and
secure sensitive card data through end-to-end interpretive exhibits. Enjoy live music, peruse
encryption, card authentication technologies, EMP’s artifacts, or create your own music for a
and post-processing tokenization, as well as the virtual audience. Don’t miss this landmark
prospect of applying these data security reception, sponsored by Fiserv. Shuttle buses to
technologies to reduce and/or limit the scope be provided from the conference hotels.
and cost of PCI.
Level: Intermediate
Steven Elefant
Chief Information Officer, Heartland Payment Systems

!
24 CONTENTS !
!
CONTENTS !
26
TUESDAY, April 27
Automated Check Corporate Payments
Card Solutions Global Focus Risk & Compliance The Payments Biz
Clearing House Electronification Solutions
Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by

8:00 a.m.- Revving-Up for Your 2010 Rules Credit Card Issuers’ Responses B2B – What Are the Hurdles Leveraging Your IAT Investment - The Tangled Web: Attacks on Rejection & Rebirth: Reinventing
9:15 a.m. Compliance Audit - 611 to U.S. Legislative Changes - 604 to Advancing? - 608 612 Business Credentials - 602/603 the Bank Card Payments
IAT Fraud Risk & Compliance Business - 607
Challenges - 606 RX for Banks & Healthcare
Legal Issues for Emerging Stakeholders: An Update on the
Payment Products - 618-620 Changing Legislative Landscape
- 609
The Essentials of U.S. Payment
Exhibit Hall Hours • Tuesday, April 27 Standards - 613/614
The Underserved – Payments
Exhibit Hall Open To Conference CLOSED for 2010 NACHA Payments System PAYMENTS 2011 Kickoff Reception in Usage, Preference & Brand
Attendees 9:00 a.m. – 4:30 p.m. Awards Luncheon 11:30 a.m. – 1:15 p.m. Exhibit Hall 5:30 p.m. – 7:00 p.m. Position - 616/617
10:00 a.m.- Managing Risk at the Community The Future of Cards – Escaping Paper Processing & Card Payments Review Creates Conducting Business Outside Collaboration to Address Pay It Green - We Have theTools
11:15 a.m. Bank Level - 606 A Processor’s Look - 604 Going Global: Payments Lawyers Big ROI & Little Investment - 607 your Jurisdiction – A Canadian Payments Fraud - 609 for Change - 602/603
Speak - 618-620 Back from the Brink: How the View - 612 PayPal & GMAC – Fighting Social Media – The New Face of
Consumer Will Overcome a Fraudsters: Protecting Your Payments - 611
Near-Death Experience to Company from ACH Fraud - B2B Payments Take a Big Leap of
Recover in 2010 - 608 616/617 Convenience - 613/614

CONTENTS
11:30 a.m.- 2010 NACHA Payments System Awards Luncheon
1:15 p.m.
1:30 p.m.- My Audit is Satisfactory, No Risk Back to the Future: New Ways Handling Day 2 Exceptions for Where’s the Cash? - 608 International Payments Using Link Analysis to Identify Getting Payments Wrong: Top 10
2:30 p.m. Here - 611 to Pay with a Time-Tested Image Exchange - 609 Framework: Leveraging Existing Crime Rings & Mitigate Ways to Drive Customers Away -

!
Network - 604 Do We Need Check Law after Infrastructures - 612 Losses - 607 602/603
Checks? - 618-620 Third-Party Senders – Risks & Looking Beyond the Mirror:
Best Practices - 616/617 Portals are Not Just Another
Pretty Face - 606
Mobile Banking & Payments: My
Phone is Still Smarter than

!
Yours! - 613/614

3:15 p.m.- Now That 50 is the New 30, is Paycards: Cut Costs or Cut Paper Merchant RDC: Capturing the SWIFT Corporate Access: A Payments to Europe: The Recipe What’s the Best Way to Steal a The New Financial Order - 607
Same-Day ACH the “New” Paychecks? - 604 Risks & Getting with the Better Way to Manage Payments for Success - 612 Company’s Online Banking Small Business Online Payroll –
4:15 p.m. Next-Day ACH? - 618-620 Program - 606 & Banking Relationships - 608 Credentials - 602/603 Payday for Everyone? - 611
RCC or ACH? To Image or Payments for the Facebook
Electronify . . . That is the Generation - 613/614
Question - 609
The Foundation of the New
Relationship with Customers -
616/617
4:30 p.m.- Expanding the Pie: Gaining The Headaches of Various The Impact of Billing & Payment Examining the ISO 20022 Fraud Prevention & Risk Secure Vault Payments - Out of
5:30 p.m. Greater Share-of-Wallet with Payments & Entry Points – A on Retention, Customer Message Standard: Simplifying Management: How to the Pilot & Into Production - 606
WEB & TEL - 602/603 Healthcare Case Study on PCI & Satisfaction, Product Usage & Payments & Gaining Vital Cash Pre-Determine False Checks and A Decade of Insight: Online
The Corporate Users Perspective Data Security - 604 Profitability - 608 Management Info - 612 Crack Down on Fraudsters - 607 Payment Trends 2000-2010 -
on “Same Day” ACH - 609 Receipt Fraud: Reducing your 613/614
IAT – After the Fall - 616/617 Losses Across Payment Kicking Payments to the Curb:
Channels - 611 How Payment Convergence is
Driving Greater Efficiencies -
618-620

5:30 p.m.-
7:00 p.m. Kick-Off to PAYMENTS 2011 Closing Reception
Tuesday, April 27
Continental Breakfast IAT Fraud Risk & Compliance Rejection & Rebirth: Reinventing
East Lobby, 6th Floor Challenges the Bank Card Payments Business
7:30 a.m. - 8:00 a.m. 606 607
8:00 a.m. - 9:15 a.m. 8:00 a.m. - 9:15 a.m.
The Tangled Web: Attacks on Risk & Compliance The Payments Biz
Business Credentials Although International ACH Transactions Once-restricted bank networks are courting
602/603 (IATs) were created to make it easier for open access and new customers and uses,
8:00 a.m. - 9:15 a.m. financial institutions to comply with sanction commoditizing themselves and proliferating
list regulations, the ability to send ACH competitive choices for connecting transactions.
Risk & Compliance
payments internationally spotlights the most Consumers have leaped past bank marketers in
Online fraud involving the compromise of critical risk management challenges facing harnessing real-time, pay-as-you-go digital
businesses’ online banking credentials is payments professionals today. Although the technology to perform self-service and market to
increasing. Through a series of case studies, initial risk management challenge at implemen- themselves. Yet while the rest of the world
attendees hear how malware, phishing, and tation in September 2009 was to establish embraces chips and PINs and mobile phones as
social engineering are affecting financial effective OFAC screening mechanisms for IATs, the new technology for payment security and
institutions and account holders. Learn how the inevitable adoption of this new payment convenience, U.S. banks have been loathe to
to protect your institution and business type presents a broader range of fraud risk and disrupt the status quo of conventional card
customers by understanding the threats and compliance challenges. Specific aspects of IAT payments-even in promising new venues like
what actions you and your business customers (such as the variations in reversal and return contactless or mobile payments. At long last,
should take to aggressively thwart them. policies by country) combined with the generally the U.S. is moving away from the 20th century
Level: Intermediate higher risk level associated with cross-border paradigm of single-function, “dumb” cards to
Steven J. Helgen money transfers present significant fraud risk multi-function, “intelligent” hybrid accounts
VP, Commercial Product Management, U.S. Bank threats for financial institutions originating and that support growing demands for new form
receiving IATs. The operational challenges factors and the flexibility to transact wherever
Rayleen Pirnie
presented by interdiction and resolution of a and however emerging digital lifestyles dictate.
Investigations Specialist, EPCOR
higher volume of both sanctions and fraud Learn how these developments are impacting
issues are potentially significant. the fundamental economics of the bank card
Credit Card Issuers’ Responses to Level: Advanced business, changing the nature of financial and
U.S. Legislative Changes risk management, and creating new winners
Joseph Flannery, AAP
604 and losers in the process.
Assistant Vice President, BB&T
8:00 a.m. - 9:15 a.m. Level: Advanced
Paul Henninger
Card Solutions Director, Program Management, Actimize, Inc. Steve Mott
In May of 2009, the Credit CARD Reform Principal, BetterBuyDesign
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.

!
CONTENTS ! 27
Tuesday, April 27
B2B – What Are the Hurdles to Rx for Banks and Healthcare Revving-Up For Your 2010 Rules
Advancing? Stakeholders: An Update on the Compliance Audit
608 Changing Legislative Landscape 611
8:00 a.m. - 9:15 a.m. 609 8:00 a.m. - 9:15 a.m.
Corporate Payments Solutions 8:00 a.m. - 9:15 a.m. Automated Clearing House
NACHA launched a Business Payments Project The Payments Biz As the Payments industry continues to evolve
in 2009 to grow the volume of electronic pay- With healthcare reform as an active dialogue in and change so does the role of the auditor. With
ments among small businesses. The project deter- both chambers of Congress, consistent themes revisions to Appendix 8 and the addition of IAT,
mined that small businesses are likely to originate continue to be part of the goal of reform that will many organizations will need to adjust ACH
more electronic payments if the supporting func- require stakeholders to prepare to facilitate pay- audit procedures to ensure compliance with the
tionality works seamlessly with their current ment flows, combat growing bad debt, and NACHA Operating Rules. Speakers include
accounts payable and receivable applications. improve efficiency across the value chain. Speak- representatives from the Rules Compliance
A key barrier application providers confront, ers examine payment and collection practices Audit work group, a Regional Payment Associa-
however, is how to collect and maintain reliable across healthcare stakeholders and how potential tion who performs annual audits, and a financial
ACH payment and remittance instructions for reform legislation enables banks to drive efficien- institution. Are you ready for your 2010 Rule
payees. As a next step to the Business Payments cies among participants (health plans, hospitals, Compliance Audit?
Project, NACHA is seeking to promote the doctors and patients). McKinsey & Company Level: Advanced
development of an open-source directory that analyze the evolving landscape and detail what Amy J. Fisher, AAP
application providers can access to enable busi- to expect from banking partners to support Director, Audit Service, Upper Midwest ACH
nesses to originate ACH payments with payee payment needs. Speakers present research mate- Association
defined remittance. In this session, leading rials and roadmaps describing current challenges
providers of small business desktop software and and strategies to prepare for legislative change.
Pamela Rodriguez, AAP, CIA, CISA
online banking services discuss the need and SVP, Professional Advisory Services & Education,
They also examine how to address the challenges
benefits of an open-source directory for growing EastPay, Inc.
surrounding healthcare payments through the
small business electronic payment volume. innovative use of scale solutions and outline ways Michelle Sledge, AAP
Level: Intermediate in which banks and healthcare stakeholders AVP & ACH Operations Manager, Fifth Third Bank

Janice Cheung, CTP can prepare to take advantage of changing rules


Product Management, Business Solutions, and regulations. Leveraging Your IAT Investment
Digital Insight, an Intuit Company Level: Advanced 612
Christopher Huppert Martha Beard 8:00 a.m. - 9:15 a.m.
SVP, Wholesale Internet & Treasury Solutions, Managing Director, J.P. Morgan Global Focus
Wells Fargo Shubham Singhal More than 97 percent of the 266,457 U.S.
Henry Ijams Partner, McKinsey & Company companies that export their products are small-
Managing Director, PayStream Advisors to-medium businesses. Are your customers
Moderator: George Throckmorton among them? U.S. financial institutions have
Senior Director & Group Manager, NACHA - made significant investments in IAT that they
The Electronic Payments Association 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

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

!
CONTENTS ! 29
Tuesday, April 27
Managing Risk at the Community Back from the Brink: How the Social Media – The New Face of
Bank Level Consumer Will Overcome a Payments
606 Near-Death Experience to Recover 611
10:00 a.m. - 11:15 a.m. in 2010 10:00 a.m. - 11:15 a.m.
Automated Clearing House 608 The Payments Biz
Speakers in this session examine best practices 10:00 a.m. - 11:15 a.m. Speakers examine new customers, technologies,
and processes that will help smaller community Corporate Payments Solutions behaviors, and responses. Learn what’s new
banks manage their risk exposure as it relates to The U.S. economy continues to claw its way out in payments convergence, cell phone image
originating ACH. For ODFIs, protecting origina- of the deepest recession in decades. The credit capture, cell phone payments, marketing, and
tors from fraud is a priority. Financial Institutions crunch has spiraled into the longest downturn in the youth, unbanked, and immigrant segments.
use several methods to help protect their origina- the post-war period; and while signs of stabiliza- Discover connections between these trends by
tors, including call backs, calendars and risk tion and improvement are emerging, rates of exploring common themes: youth orientation,
limits. Among the most effective methods of pro- contraction seem to be slowing. The labor mar- public electronic networks, speed, and consumer
tecting originators is the use of USB Tokens. ket remains the weakest link. With the ranks of empowerment. Speakers project which trends
However, the cost and time associated with the chronically unemployed at post-Depression could become major new sources of revenue for
implementing any “strong authentication pro- highs, it will be difficult o rebuild the economy. financial institutions and explain why.
gram” is often a deterrent, particularly for an The speaker examines the impact of consumer Level: Intermediate
originator who has never been the victim of one behavior and attitudes on the recovery. What Terri Bradford, AAP
of these viruses. Speakers discuss the typical factors drive consumer confidence levels? How Payment System Research Specialist, Federal Reserve
profile of a keylogging scam and detail the expe- will consumer behavior impact the recovery of Bank of Kansas City
riences of one community bank in implementing the stock market, residential real estate market,
a strong authentication program and how it George Warfel
and retail markets? Has the administration’s Consulting Director, Payments Performance
achieved customer buy-in. financial stimulus package had the desired effect Management, Fiserv
Level: Intermediate on consumer confidence? How do consumer atti-
Michelle Bonser, AAP tudes influence commodity prices and inventory
Bank Service Business Analyst, Viking Bank levels? What positive and negative consumer Conducting Business Outside your
influences are anticipated over the next year, and Jurisdiction – A Canadian View
Jeffrey D. Foote, CTP
EVP, Commercial Banking, Broadway National Bank
how will these impact the economic outlook? 612
Level: Intermediate 10:00 a.m. - 11:15 a.m.
Jim Petkovits, AAP
Vice President, Northwest Clearing House Association Gary Schlossberg Global Focus
Senior Economist, Wells Fargo As more companies conduct business both
Card Payments Review Creates Big within and outside their jurisdictions, the need
Collaboration to Address for effective global cash management services
ROI & Little Investment increases. Focus in recent years to address Anti-
607
Payments Fraud
Money Laundering and Terrorist Financing
10:00 a.m. - 11:15 a.m. 609 activities have imposed numerous “Travel Rules”
Corporate Payments Solutions 10:00 a.m. - 11:15 a.m. on many traditional Cash Management Services.
A case study on Lincoln Electric Company Risk & Compliance As a result, services offered to international play-
features payments processing and management Drawing on the ongoing work of the Retail ers continue to evolve. What does this mean to
re-tooling efforts by applying Six Sigma process Payments Risk Forum at the Federal Reserve companies conducting business outside of their
improvement methodology. The company dra- Bank of Atlanta and its November 2009 round- own jurisdiction and in Canada? Learn what
matically reduced its purchase and credit card table meetings, speakers engage in a cross-per- Canadian FIs can offer global players to ensure
program operating costs, minimized its corporate spective discussion on the roles of the payments access to the right amount of money, in the right
risk, improved Days Sales Outstanding (DSO), industry, law enforcement, regulators, and others, currency, in the right place, at the right time, and
and significantly cut payment acceptance costs and examine how groups can best share informa- with the right information. Gain a Canadian
through interchange management. Results tion, police bad actors, and otherwise collaborate view of “global cash management services” that
include $1.5 million annually in direct and to improve the integrity of retail payments covers disbursements collections and balance
indirect cost savings, higher customer satisfac- systems for the good of all. reporting through such international standards as
tion, and fewer Payment Card Industry Data Level: Intermediate ISO 20022, EDI ANSI X12, UN EDIFACT and
Security Standards (PCI-DSS) security risks. NACHA IAT. Speakers also examine the future
Stanley Boone of payments in Canada and what is on the
Following the case study, a Thermo Fisher White Collar Crime Coordinator, U.S. Department
Scientific executive will compare and contrast Canadian horizon.
of Justice
its payment processing and management Level: Intermediate
experiences to Lincoln Electric’s efforts. Richard R. Oliver
Executive Vice President, Federal Reserve System Raymond C. Kohler
Level: Intermediate Manager, eCommerce Services, Royal Bank of Canada
Heather K. Wyson
Aaron Bills Director, BITS Jacqueline D. Shinfield
COO & Founder, 3Delta Systems Partner, Blake, Cassels & Graydon LLP
Edward Henry
Director, Finance Operations, Thermo Fisher Scientific

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

!
CONTENTS ! 31
Tuesday, April 27
2010 NACHA Payments System Awards Luncheon
Ballroom 6ABC
11:30 a.m. - 1:15 p.m.

Join us for this full-service luncheon where


outstanding achievements in payments The George Mitchell Award, named after the late
system innovation, quality, and performance George Mitchell, former vice-chairperson of the Board
are recognized. 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


In its inaugural year, the NACHA PayItGreen Award is The 2010 Lifetime Achievement Award recognizes
presented annually to recognize individual or organizational a career’s worth of success.
leadership, vision, and innovation in the education and
promotion of electronic payments, statements, and billing Luncheon Speaker
to reduce paper’s impact on the environment. 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. Douglas Merrill
Named in honor of the late Kevin O’Brien, who served as In his talk, “Innovate or Die: Building Former CIO & VP of
Engineering, Google
NACHA’s chairperson from 1999-2000, the Kevin O’Brien a Culture of Strategy and Innovation,”
ACH Quality Award is presented annually to recognize Merrill provides a rare look into how Google fosters
best practices in ACH participants’ efforts to maintain and its culture of innovation, contrasting the company’s
improve the quality of ACH services and/or the integrity strengths with those of other companies that are
and reliability of the ACH Network. struggling to stay relevant.

!
32 CONTENTS !
Tuesday, April 27
Getting Payments Wrong: Top 10 Looking Beyond the Mirror: Where’s the Cash?
Ways to Drive Customers Away Portals are Not Just Another 608
602/603 Pretty Face 1:30 p.m. - 2:30 p.m.
1:30 p.m. - 2:30 p.m. 606 Corporate Payments Solutions
The Payments Biz 1:30 p.m. - 2:30 p.m. It’s 10 p.m., do you know where your cash is?
Recession psychology is changing the way The Payments Biz Or how it was used? And if you do, is it easily
payments are designed, marketed, and deployed. accessible? Speakers in this session address
Providing the information necessary for small
Understanding this psychology and its impact on trends in cash management, the pros and cons
business, middle market, and corporate customers
retail, corporate and mobile customers is essential of centralization, provide an evaluation of the
to make good business decisions is the foundation
for getting payments right. Join us for a comedic technology available to centralize or maintain
for any successful online solution offering. Portals
review of the top ten ways financial institutions aggregators, and examine common tools to access
have the potential to provide additional business
drive customers away by getting payments wrong. bank services. Presenters also explain the latest
intelligence to businesses through various deliv-
And learn how to get payments right! initiative to update BAI reporting standards.
ery models. While a portal approach has become
Level: Fundamental the standard in the industry, there are newer, Level: Fundamental
David L. Peterson more innovative variations on this theme. William Lundeen
Chief Strategic Officer, i7strategies Speakers in this presentation delve into the Group Manager, Global Banking, Procter & Gamble
inner essence of these varying approaches to Matteo Monaco
Lee Wetherington, AAP information delivery, explore the traditional
Director of Strategic Insight, ProfitStars, Jack Henry Regional Account Manager, SWIFT
and innovative dashboard, review information
& Associates Rene Schuurman
driven customer interactions, and Identify the
Global Product Manager Connectivity Services,
Web 2.0 technologies driving change and the
Citigroup
Back to the Future: New Ways to effect they have on user experience.
Pay With A Time-Tested Network Level: Fundamental
Handling Day 2 Exceptions for
604 Colin Kerr, CTP
1:30 p.m. - 2:30 p.m. Image Exchange
Industry Manager, Payments and Core Banking, WFS,
Card Solutions Microsoft Corporation 609
Gary McBride 1:30 p.m. - 2:30 p.m.
In the U.S., e-commerce activity continues to
grow rapidly. Customers increasingly prefer to use Sales Leader, Banking, Financial Markets, Check Electronification
their debit cards over other methods, but remain IBM Corporation Check image exchange has become one of the
reluctant to use debit cards online due to security Missy Rose most rapidly adopted processes in the financial
perceptions. Presenters discuss how their compa- Sr. Product Marketing Manager, S1 Corporation industry. With nearly 60 million items presented
nies are working together to offer a new service daily as images, there are bound to be exceptions.
that enables cardholders to pay for goods and The speaker reviews the most common questions
services on the Internet with their debit cards, in
Using Link Analysis to Identify about image returns and adjustments. Also
direct partnership with the cardholder’s financial Crime Rings & Mitigate Losses discussed are steps that your institution must
institution. Presenters share the details of how 607 follow to ensure compliance with the proper
the service works; key drivers and customer needs 1:30 p.m. - 2:30 p.m. handling requirements for expedited re-credit
that led to development of the service; current Risk & Compliance and breach of warranty claims and the potential
challenges and future of e-commerce payments; risks associated with the exchange of substitute
Professional and sophisticated fraudsters usually
and how financial institutions can generate rev- checks and images.
work within crime rings and are difficult to
enue, reduce cost and deliver a secure, conven- identify. They perpetrate fraud across payment Level: Intermediate
ient customer experience using debit cards. channels, manipulate and falsify identities, Angela Smith, AAP
Level: Intermediate take over accounts and more, with detailed Senior Manager, Education Services, Viewpointe CS &
Rene Pelegero financial system knowledge that allows them Association Services
Senior Director, Industry Relations & Strategy, to go undetected. Link analysis is the next
PayPal, Inc. generation in fraud prevention. It builds upon
Julie Saville the collaboration that exists between financial
VP, STAR Network Product Development, services organizations sharing information and
STAR Network, a First Data Company 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
!
CONTENTS ! 33
Tuesday, April 27
My Audit is Satisfactory, Mobile Banking & Payments: My Third-Party Senders –
No Risk Here Phone is Still Smarter than Yours Risks & Best Practices
611 613/614 616/617
1:30 p.m. - 2:30 p.m. 1:30 p.m. - 2:30 p.m. 1:30 p.m. - 2:30 p.m.
Automated Clearing House The Payments Biz Risk & Compliance
Most financial institutions are very aware of risk One of the biggest banking Speakers provide an overview of the risks
in the ACH Network, and almost all FIs have a industry misconceptions is third-party processors and third-party senders
risk management plan in place. But how pre- that 20-somethings will be introduce into the ACH Network. Attendees
pared are you really? Is a satisfactory ACH audit the primary users of mobile learn from the regulators about examination
enough? How well do you know your customer? banking and payments. At findings and deficiencies noted for ODFIs that
Who is putting your FI in danger? Conversation PAYMENTS ‘09, eCom Advisors presented had not appropriately mitigated the risk resulting
rotates among a panel that contains both ACH groundbreaking primary research revealing that from third-party sender activity. Presenters high-
operators, an external auditor, and a bank super- some phones are smarter than others, and that light best practices that one large bank employs
visor. Speakers in this session focus on effective consumer propensity for mobile banking and to mitigate the risk of using third-party senders,
ACH risk management and include cases of payments is far more correlated with the sophisti- including due diligence, agreements, operating
discrepancies between ODFI perceived risk cation of their mobile device than their age. and monitoring criteria.
versus operator or supervisor-perceived risk. Consumers equipped with touch-screen smart Level: Intermediate
Level: Fundamental phones (such as iPhone) were far more likely to
Sara Pinkus, AAP
use mobile financial services than those with
Christopher N. Alexander, AAP VP, Cash Management & Risk Compliance, TD Bank
ordinary cell phones or even devices with full
Assistant Vice President, Federal Reserve Bank John Wagner
keyboards, regardless of their age. The 2009 study
of Atlanta Director, BSA/AML Compliance, U.S. Department of
revealed that 41percent of owners of the latest
Donna Ashworth smart phone technology used the device to access the Treasury, OCC
Executive Director, Tennessee ACH Association mobile banking and 21 percent for paying bills Moderator: Elliott C. McEntee
Carter Messick online. In 2010, NACHA and eCom Advisors President & CEO, Payment Advisory Service
Lead Information Technology Expert, U.S. Department have partnered to expand and repeat the study.
of the Treasury, OCC This presentation will reveal findings from the Do We Need Check Law
Alex Romeo 2010 research—including an update on mobile
After Checks?
VP, EPN Product Manager, The Clearing House banking adoption, mobile bill payment behav-
iors, and mobile Web purchasing by device type, 618-620
generation, income, WAP vs. App vs. SMS and 1:30 p.m. - 2:30 p.m.
International Payments other characteristics. In addition, the presenta- Check Electronification
Framework: Leveraging Existing tion offers data and insights on the keys to target- Speakers in this session look into the future of
Infrastructures ing mobile adopters across all age segments; the payments industry and the possibility of life
612 mobile bill payment adoption and behaviors and for check law after the end of paper check
1:30 p.m. - 2:30 p.m. the propensity to pay for mobile web purchases exchanges. Traditional paper check deposits and
Global Focus via credit card, debit card, P2P and mobile phone exchanges are transitioning rapidly to remote
account. The speakers provide insight into deposit capture and interbank image exchange.
We all have heard of the Single Euro Payments
strategies to keep your institution competitive As a result, what is the ongoing role of check law
Area and the cutting-edge developments the
in the rapidly changing mobile marketplace. in the future? With the existence of ECCHO
European community has made to simplify non-
urgent payment processing and reduce the cost of Level: Intermediate Rules and electronic payments rules and regula-
processing these items. What if this model Fred Brothers tions, is there still room for check law? Could
extended outside of the European community? Managing Partner, eCom Advisors the industry use the existing check processing
What if every country in the world shared the infrastructure and laws/rules for electronic items
Paul McAdam that were never paper checks? How do protec-
rules of non-urgent payment processing? Partner, eCom Advisors
tions for check images and electronic checks
Level: Advanced compare to protections for paper checks?
Jane Hennessy Speakers debate the pros and cons of both
Executive Vice President, Wells Fargo check law and electronic payments law and how
Stacy Rosenthal the check world may react should paper check
Business Manager, SWIFT deposit and processing disappear.
Level: Advanced
Thomas Fox
Partner, Schwartz & Ballen
Oliver I. Ireland
Partner, Morrison & Foerster, LLP

!
34 CONTENTS !
Tuesday, April 27
Refreshment Break in Exhibit Hall Paycards: Cut Costs or Cut Paper The New Financial Order
Exhibit Hall 4AB Paychecks? 607
2:30 p.m. - 3:15 p.m. 604 3:15 p.m. - 4:15 p.m.
3:15 p.m. - 4:15 p.m. The Payments Biz
What’s The Best Way to Steal a Card Solutions The future of financial services will not look
Company’s Online Banking A new method of delivering employee wages anything like the past, and the picture continues
Credentials? has gained widespread acceptance—payroll to change. Over the past 18 months, IBM
cards or paycards. Employers are rapidly interviewed more than 2,800 bank and corporate
602/603 C-level executives along with numerous
recognizing the benefits that come from
3:15 p.m. - 4:15 p.m. governmental and regulatory executives
paycards: convenience, security, cost savings,
Risk & Compliance and happier employees. Additionally, by switch- worldwide. IBM used this information to develop
Speakers in this session demonstrate tactics ing to electronic payments, businesses help and broaden our point-of-view for the future
online criminals use today to hijack companies’ preserve the environment. In recent years, of the banking and financial markets industry.
online banking credentials. With the growth in adoption of electronic wage payment methods The speaker shares the results of this research,
use of online banking by businesses nationwide increased dramatically and the regulatory the resulting industry point-of-view, and specific
and the stronger security mechanisms adopted by environment relating to electronic payment actions that payments business executives need
many retail banks for their portals, fraudsters methods changed significantly. Speakers in to consider over the next three years in order
have become creative and sophisticated in figur- this session provide an overview of the paycard to intercept these major shifts in the industry
ing out how to steal business customers’ online industry, paperless payroll offerings and options, and gain a competitive advantage.
banking credentials and engage in fraudulent relevant federal and state laws and regulations, Level: Intermediate
activity. This presentation features a detailed the fundamentals of implementing a paycard Srini Giridhar
visual description of how online criminals target program, and tips for overcoming obstacles that Banking Lead, IBM Institute for Business Value
(sometimes quite successfully) businesses’ online prevent your clients from adopting electronic
banking software. Moreover, it details the roles wage payments.
of Man-In-The-Browser (MITB) Trojans and SWIFT Corporate Access: A Better
Level: Intermediate
mule networks. Way to Manage Payments &
William Dunn
Level: Intermediate Manager, Government Relations, American Payroll
Banking Relationships
Joram Borenstein Association 608
Senior Manager, Identity Protection & Verification, Traci D. Hayes 3:15 p.m. - 4:15 p.m.
RSA, The Security Division of EMC Corporate Payments Solutions
SVP, Strategic Alliances, Skylight Financial
Robert Vamosi Tom Simeur In today's highly competitive global marketplace,
Research Analyst, Risk Fraud & Security, Javelin businesses are constantly looking at ways to
Vice President, Staffmark
Strategy & Research better manage their payments and banking rela-
tionships. The advent of the SWIFT Corporate
Merchant RDC: Capturing the Risk Access initiative presents treasurers with a pow-
& Getting with the Program erful new connectivity tool. This presentation
606 will examine the current status of the initiative,
3:15 p.m. - 4:15 p.m. the various connectivity options and technical
Check Electronification considerations that should be evaluated by
prospective users. We will look at what it means
Auditors and examiners have had more than a
for corporations to leverage SWIFT Corporate
year of experience using the FFIEC Guidance to
Access, how to assess SWIFT Corporate Access
perform remote deposit capture audits and exam-
and what criteria should be considered prior to
inations of banks. Banks have begun to get their
adoption. J.P. Morgan will share client case
program in line with their other payments offer-
studies in building a business case for SWIFT
ings and in accordance with the published guid-
Corporate Access, along with practical insights
ance. But what are the most common findings
on successfully navigating an implementation in
and challenges that face financial institutions
partnership with a banking partner. This presen-
today? Learn from a Federal Reserve Bank
tation will also examine how SWIFT can provide
examiner and an auditor of RDC merchant
additional value to corporates beyond the tradi-
capture as they discuss the differences in audits
tional treasury and cash management services in
pre-and-post guidance; the greatest remaining
areas such as supply chain services, exception
challenges and how financial institutions can
and investigations and electronic bank account
overcome them; and what procedures and
management. In addition, we will discuss future
actions financial institutions use to ensure they
trends and strategies that might impact the
avoid losses and have a successful RDC audit.
SWIFT corporates initiative, including the
Level: Intermediate electronic bank account management (eBAM)
Tony DaSilva, AAP, CISA project and issues relating to security.
Bank Examiner, Federal Reserve Bank of Atlanta Level: Intermediate
Terri Pelle Sands, AAP Don Davis
Managing Director, Payments Information Circle Treasury Project Manager, Intel Corporation
Louise M. Gorman
SVP Global Client Access, J.P. Morgan
!
CONTENTS ! 35
Tuesday, April 27
RCC or ACH? To Image or Payments to Europe: The Recipe The Foundation of the New
Electronify . . . That is the for Success Relationship with Customers
Question 612 616/617
609 3:15 p.m. - 4:15 p.m. 3:15 p.m. - 4:15 p.m.
3:15 p.m. - 4:15 p.m. Global Focus The Payments Biz
Check Electronification Sample and learn the key ingredients for Demand and supply-side shifts due to regulation,
Speakers in this session review the operational, originating successful payments to European tightening credit, and the recession, continue
risk, and legal issues associated with Remotely destinations. The menu features all the staples: to shape bank options for earning sustainable
Created Checks (Demand Drafts) in comparison IBANs, BICs, ISO 20022 Message Standards, payments revenues in unknowable ways.
to origination of ACH debits for preauthorized differences between the SEPA and national Panelists dialogue with audience members about
recurring payments. What is the optimum choice European payments systems, as well as similarities how enterprise payments groups can place the
for both banks and businesses? When weighing and differences between the U.S. and European customer at the center of product and process
the risks associated with both payment methods non-urgent payment systems. Examples demon- design to define a healthier, less-punitive transac-
along with the costs for equipment and training, strating how the International Payments Frame- tion product that will result in a more reliable
how do you decide whether to use one, the other, work (IPF) has shaped payments abroad enable revenue stream and provide a better chance to
or both? attendees to take away processing tips for remain the customer’s choice for a primary
successful corporate and personal payments to transaction provider. What are the new
Level: Intermediate
any destination in Europe. consumer pain points and evolving needs?
Gail Susan Ball, AAP, CTP What payments priorities should you focus on
SVP, Treasury, NCO Financial Systems, Inc.
Level: Intermediate
to acquire, keep, and expand customer relation-
Howard Forman, AAP Elizabeth McQuerry
ships? This discussion seeks to illuminate the
Assistant Vice President, Federal Reserve Bank
Senior Vice President, Wells Fargo most effective ways peer financial institutions
of Atlanta
are optimizing payments performance and reduc-
Timothy Schmidt, AAP ing costs, while maintaining superior payments
Small Business Online Payroll – VP, Treasury Management, U.S. Bank service levels for the most profitable customers.
Payday for Everyone?
Michael Steinbach Level: Intermediate
611 Chairman of the Board of Directors, Equens SE
3:15 p.m. - 4:15 p.m. Hugh Gallagher
Senior Vice President, SunTrust
The Payments Biz Payments for the Facebook
Banks are increasingly evaluating and Lee Manfred
Generation Partner, First Annapolis Consulting
implementing payroll services that specifically
target the high-growth small business segment. 613/614 Richard McNutt
Attendees learn how to overcome the challenges 3:15 p.m. - 4:15 p.m. EVP, Retail Payments, PNC Bank
associated with providing ACH Direct Deposit The Payments Biz Moderator: Debbie L. Bianucci
to small businesses while introducing an innova- As the nature of social interaction among President & CEO, BAI
tive solution that helps increase loyalty. A solu- individuals on networking, game, and blogging
tion provider and financial institution walk sites evolve and become more complex, the trend
through the launch of a small business online toward people buying, selling and bartering real
payroll service, including market research and and virtual goods and services is on the rise.
business case development, implementation and Often, virtual currencies created to support these
integration strategies, best practices and lessons online transactions become so popular that they
learned, and balancing the promotion of business find acceptance in real world e-commerce trans-
clients’ use of self-service and online tools with actions as well. As this emerging consumer
critical high-touch customer service. behavior finds widespread acceptance, electronic
Level: Intermediate payments providers need to evolve to create new
payment vehicles, risk and fraud controls, and
Rich Heller
settlement processes to integrate and provide a
Director, Business Development, SurePayroll
bridge between real world and virtual money.
Alicia Treadway, AAP, CTP These new payment types would need to be
First Vice President, Product Management, SunTrust 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

!
36 CONTENTS !
Tuesday, April 27
Now That 50 is the New 30, Is Expanding the Pie: Gaining The Headaches of Various
Same-Day ACH the “New” Greater Share-of-Wallet with Payments & Entry Points –
Next-Day ACH? WEB & TEL A Healthcare Case Study on
618-620 602/603 PCI & Data Security
3:15 p.m. - 4:15 p.m. 4:30 p.m. - 5:30 p.m. 604
Automated Clearing House Automated Clearing House 4:30 p.m. - 5:30 p.m.
For many years, you have relied on efficient Speakers in this session provide a soup-to-nuts Card Solutions
processing and settlement of ACH payments for perspective on “native ACH” applications—the PCI compliance is complex enough without the
one and two-day forward payments. Are you WEB and TEL Standard Entry Class Codes. The added complexity of decentralized multiple entry
ready for same-day check conversion, telephone, content is based upon the premise that these two points with such varied methods of entry as live
and Internet-initiated payments? Speakers review ACH applications generate additional sales with- swipes, phone, online hosted Web pages, lockbox
the impact on originating and receiving banks, out impacting existing transaction volume; credit card payments, and correspondence.
implications and expectations of originators, expand target markets and meet the evolving Add in the complexity of the healthcare industry
receivers, and vendors, as well as how same-day needs of contemporary consumer demands such such as HIPAA and red flags regulation and
ACH can add value to financial institutions as “just-in-time” payments, and payment options additional technology such as kiosks, portals,
business strategies. Speakers discuss the potential offering greater budgetary controls. Presenters pre-visit collections via a third-party and
of same-day ACH service to enhance funds entertain the audience with a point-counterpoint headaches occur regularly. The speakers walk
availability by expediting the collection of discussion of the barriers and advantages of each through a healthcare case study consisting of the
consumer debits, accelerating the identification SEC code including historical background, rules multiple payments received, the posting process,
and disposition of payments that require return framework, trends in volume and usage, and new technologies and data security measures, and
due to error or fraud, and expanding business marketplace opportunities. Attendees take away the PCI impact to the organization. Although
opportunities to a DFI’s account holders. This a fresh perspective on how TEL and WEB can be the session contains a healthcare slant, it is appli-
discussion identifies the benefits of a same-day advantageous as payment options, along with a cable to organizations facing PCI compliance
schedule as well as issues and improvements solid understanding of the compliance require- issues with a myriad of payment entry points.
that still require vetting. ments for both. Level: Intermediate
Level: Intermediate Level: Intermediate Scott Hawig
Steven Cordray, AAP Fred Laing, II, AAP, CCM Divisional Chief Financial Officer, PRMO,
Retail Payments Project Manager, Federal Reserve Bank President/CEO, Upper Midwest ACH Association Duke University
of Atlanta Deborah Matthews, AAP Michael Rabb
Peter A. Davey, AAP Profit Stars Marketing Manager, Jack Henry & Director, Cash Management, Duke University
Senior Manager, Enterprise Payment Strategy, Associates/ Profit Stars Jeffrey A. Thomas, CTP
Capital One Group Vice President, SunTrust
Nitin Kulshrestha
Director, Product Management, PayPal, Inc.
Secure Vault PaymentsTM – Out of
Laura Magazu, AAP the Pilot & Into Production
Product Manager, Fiserv
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

!
CONTENTS ! 37
Tuesday, April 27
Fraud Prevention & Risk explain how the results of this and other studies Receipt Fraud: Reducing your
Management: How to have influenced the development of companies Losses Across Payment Channels
like Qwest’s payment and billing strategies and
Pre-Determine False Checks and the value different online payment types and 611
Crack Down on Fraudsters channels bring to corporations. The findings 4:30 p.m. - 5:30 p.m.
607 offer the first-of-a-kind view into how billing and Risk & Compliance
4:30 p.m. - 5:30 p.m. payment drive not only cost savings but loyalty, As the “Fraud Business” continues to evolve
Risk & Compliance likeliness to pay on time, and overall profitability there are significant changes to the types of fraud
The industry understands well the merchant and to billing organizations. Attendees learn what being committed. What was once simple, single
consumer benefits of allowing check payments. factors impact the choice of payment options and channel payment origination fraud is quickly
However, people are still trying to grasp the channels, as well as differences in ROI between becoming cross-payment channel fraud involving
processes involved behind validating checks biller direct and consolidated payment channels. both origination and receipt services. As the
and consumer identification, as well as the Level: Fundamental fraudsters have started using ACH in combina-
technologies and best practices organizations tion with check, image, and card, you need the
Kirk Gripenstraw
should implement to lower the risk of processing ability to look across those same channels. With
VP, Advanced Analytics, Aspen Marketing Services
bad checks. Speakers address today’s best-in-class the current growth of mobile banking and the
Eric Leiserson anticipated growth of P2P payments these trends
fraud prevention tools and explain how authori- Senior Market Analyst, Fiserv
zation systems validate IDs, issue risk manage- will continue as fraudsters have more channels to
ment decisions and settle transactions if use. The ability to identify suspect deposit items
approved. Attendees learn the front-and back- The Corporate User Perspective on based on both check and ACH activity, as well
end technologies involved in this type of risk “Same-Day” ACH as verify an account’s existence and assess the risk
management program and what factors deter- associated with accepting and processing an item,
609 increases success in mitigating that risk. Learn
mine whether or not a check will bounce, while 4:30 p.m. - 5:30 p.m.
taking a glimpse into the massive depth of data how two companies worked together to spot and
Automated Clearing House reduce exposure to receipt fraud as it becomes a
processors use to determine whether or not false
information is at hand and hear real life exam- The Federal Reserve will launch an opt-in cross-channel risk for all.
ples of how a team of recovery experts and law service in second quarter 2010 that accomplishes Level: Fundamental
enforcement joined forces to crack down and the depositing, processing, editing, distribution,
and settlement of certain ACH debit payments Patricia L. Edds, AAP
stop fraudsters. Vice President, Bank of America
during the current processing day. The service
Level: Intermediate moves up funds availability and expedites returns Laura Weinflash
Charles Andrews by one day. The industry has discussed the VP, Market Strategist, Early Warning Services
Director of Security, First Data concept of accelerated ACH processing schedule
Joseph Velling for years and has evaluated and continues to
Resident Agent in Charge, Social Security Administration evaluate various approaches. This new Federal
Reserve service introduces new capabilities and
Mark Wallin
General Manager, First Data
specific benefits. In this session, a panel of
experienced corporate, financial institution,
and ACH Operator representatives examine
The Impact of Billing & Payment the business, operational, risk, and educational
on Retention, Customer implications of this new offering, and potential
Satisfaction, Product Usage & alternatives, from the corporate point of view.
Profitability Level: Intermediate
608 Jennifer Bezdek, CTP
4:30 p.m. - 5:30 p.m. Director, Global Cash Management, Fluor Corporation
Corporate Payments Solutions Mary Burchette
Countless businesses offer their customers the SVP, Global Treasury Management, U.S. Bank
option to receive and pay bills thru multiple Rue Jenkins
channels and mediums. While cost reductions Assistant Treasurer, Costco Wholesale Corporation
are often cited as reason enough for offering Brad Larson
online billing and payment options, the question VP, Global Treasurer, Claire’s Stores
of whether these services can provide more tangi-
Claudia Swendseid
ble value has lingered. Qwest Communications
Senior Vice President, Federal Reserve Bank
recently conducted an in-depth quantitative
of Minneapolis
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

!
38 CONTENTS !
Tuesday, April 27
Examining the ISO 20022 A Decade of Insight: Online Kicking Payments to the Curb:
Message Standard: Simplifying Payment Trends 2000-2010 How Payment Convergence is
Payments & Gaining Vital Cash 613/614 Driving Greater Efficiencies
Management Info 4:30 p.m. - 5:30 p.m. 618-620
612 The Payments Biz 4:30 p.m. - 5:30 p.m.
4:30 p.m. - 5:30 p.m. Online bill payment has moved from rarity to The Payments Biz
Global Focus routine with each year bringing new challenges As treasurers look for ways to achieve greater
As businesses increasingly compete on a global and opportunities to increase adoption and drive efficiencies, advancements in payments conver-
playing field, treasury faces the challenge of payment volume. Speakers in this session share gence offer signification opportunities to improve
making payments and obtaining vital cash the results of the newly released 2010 Consumer treasury practices. Speakers in this session
management information using a variety of Billing and Payment Trends survey. Discussion explore the operational, legal and technology
messaging standards. This presentation examines encompasses growth in adoption; how online bill drivers of payments convergence and what it
the ISO 20022 message format that incorporates payment volume compares to other channels; means to an organization’s treasury processes.
the payment initiation and reporting capabilities what consumers like and don’t like about receiv- In addition, speakers outline the latest efforts to
of several leading standards into a single, unified ing and paying bills online. Also explored are streamline the payments system, including the
standard. Speakers examine how corporations changes that have taken place during the last year industry’s plans for winding down physical check
and banks worldwide are incorporating this new and the last decade; online payment trends and exchanges and the impact of reduced check
standard into their financial applications. Learn insights into how to address slowing adoption; volumes on check clearing costs. They present a
how it helps organizations meet regional and increasing the number of payments made by exist- status report on check deposit truncation
global integration requirements of shared services ing users; suggestions for marketing online bill initiatives, discuss how the ACH Network will
centers, payment factories, centralized payables, payment services; and new functionalities, such as clear small dollar checks, and provide a status
and treasury functions. Caterpillar shares its payment widgets and person-to-person payments. update on aligning the payment laws with
best practices, highlighting the execution and Level: Fundamental the latest technology changes. In addition,
deployment of this new messaging standard Patricia Hewitt presenters discuss how payments convergence
across its global operations, enabling improved Director, Debit Advisory Services, Mercator Advisory has driven innovation in both front-office and
cash position management and reconciliation Group back-office processes and how organizations and
through the provision of real-time data, as well networks have realigned to support future
Geoffrey Knapp convergence efforts.
as how they built a business case for adoption of VP, Online Banking & Consumer Insights, Fiserv
the standard. Level: Intermediate
Level: Intermediate Christopher Huppert
IAT – After the Fall
Louise M. Gorman SVP, Wholesale Internet & Treasury Solutions,
SVP Global Client Access, J.P. Morgan
616/617 Wells Fargo
4:30 p.m. - 5:30 p.m.
Graham Isaacs Jim McKee
Automated Clearing House SVP, Retail Payments Office, Federal Reserve System
Cash Operations Supervisor, Caterpillar Inc.
September 18 has come and gone, and the “new” Pat Thelen
International ACH Transaction has been a Executive Director, J.P. Morgan
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 Kick-off to PAYMENTS 2011
impact on the ACH Network. IAT generated a Closing Reception
lot of talk, concern, and uproar prior to imple- Exhibit Hall 4AB
mentation. What was the reality? Speakers in this 5:30 p.m. - 7:00 p.m.
session provide a bank and corporate perspective Take advantage of the closing reception in the
on what actually happened as a result of the new exhibit hall and make those crucial connections
rules since the implementation date last fall. that will help propel your organization into the
Level: Intermediate future. Enjoy this “Kick-Off to Austin” reception
William Bley, AAP surrounded by cutting edge technology providers,
President & CEO, Northwest Clearing House payments service experts and organizations
Association poised to offer the solutions you seek in this very
Laura Listwan, AAP, CTP dynamic exhibit hall. All registered attendees
Senior Vice President, U.S. Bank may attend this event.
Mark Webster CCM, CPA
Partner, Treasury Alliance Group, LLC

!
CONTENTS ! 39
40
WEDNESDAY, April 28
Automated Check Corporate Payments
Card Solutions Global Focus Risk & Compliance The Payments Biz
Clearing House Electronification Solutions
Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by Sponsored by

8:30 a.m.- How to Take the Pain out of One- Reloadable Prepaid Cards in Earning Your Ph.D in RDC - 609 Corporate Payments: What Mobile Payments in Action: Lessons from the Front: Debunking the Myths about the
9:30 a.m. Time Payments - 607 Branch – Research Study Results Businesses Want from their Five Case Studies from around Payments in the Credit Crossfire Unbanked & Underbanked:
Cementing Your Future in the - 612 Banks - 602/603 the World - 613/614 - 608 Survey Findings - 604
Payments Industry: Becoming The End of Plastic: Payments in
an AAP - 611 2010 & Beyond - 606

9:45 a.m.- Migrating High-Cost Consumer On the Phone & at Home: Leveraging Business-to-Business Capturing an Elusive Market – Growing Risks & Challenges of The Trusted Service Manager -
10:45 a.m. Payments to Lower Cost Consumer Deposit Capture - 609 Networks to Build Market The World of Global ePayments Enrollments - 606 Pivot Point in Mobile
Alternatives - 608 Advantage - 602/603 Remittances - 613/614 Payments - 607
ACH Marketing: Finding Property Management Payment
Common Ground - 612 Needs - 611
Buy a Little Time: New Bill Pay
Models that Help Cash-Strapped
Consumers & Get Billers Paid -
604

11:00 a.m.- Leveraging Best Practices for Self-Service: Beyond ATMs & RDC for Small Businesses . . . How Johns Hopkins University Did the World Learn from A Changing Payments Creating a Payments Hub in
12:00 p.m. International ACH Payments & Banking Services - 604 the Good, the Bad & the Used A/P Card Settlement to SEPA? - 613/614 Landscape Requires Innovative Real Life - 606
OFAC - 609 Ugly - 612 Drive Working Capital & Fund Fraud Management - 608 Payment Notification & Tracking

CONTENTS
Automation - 602/603 for Wire Transfers - 607
Developing Best Practices
for Exchanging Healthcare
Payment Data - 611

!
!
Wednesday, April 28
Continental Breakfast Sponsored by The End of Plastic: Payments in Lessons from the Front:
East Lobby, 6th Floor 2010 & Beyond Payments in the Credit Crossfire
8:00 a.m. - 8:30 a.m. 606 608
8:30 a.m. - 9:30 a.m. 8:30 a.m. - 9:30 a.m.
Corporate Payments: What The Payments Biz Risk & Compliance
Businesses Want from their Banks Plastic credit and debit cards dominate our soci- Leading economists have called the recent reces-
602/603 ety. However, as smart phones and sub-notebook sion affecting the domestic and global economies
8:30 a.m. - 9:30 a.m. (Netbook) computers grow increasingly perva- over the past two years, the most serious financial
sive in the U.S., consumers will demand payment crisis since the Great Depression. It encompasses
Corporate Payments Solutions
solutions to take full advantage of these new failures in the consumer, financial, industrial, and
As a result of the financial crisis, businesses have technologies. Many other countries, such as business sectors of the economy. Speakers in this
dramatically changed their relationships with Japan and Hong Kong, have already shifted session focus on the effects of the crisis on pay-
financial institutions. Their need for solutions has from a card-based payment system to one that ments, payment methods, and working capital.
never been greater, but there is also incredible relies primarily on mobile phones. The speaker What should you do to protect your payments
volatility in deposit and credit relationships. Gain previews new payment technologies under process for both outgoing and incoming payments?
insight into the minds of corporate treasurers as development for the U.S. market, analyze their What does your access to credit have to do with
revealed through quarterly surveys conducted potential impact, and discuss related implications your payment strategies and those of your clients
with North American corporate treasurers. Topics for corporate and retail payments alike. and your vendors? What are the risks of sending
covered in the session include changes in demand and receiving electronic payments? Do you know
for treasury services, approaches to managing
Level: Intermediate
what your ACH, remote check deposit (RDC),
counter-party risks, and satisfaction gaps between Aaron Greenspan
and other electronic payment credit limits are?
bankers and their corporate clients. President & CEO, Think Computer Corporation
Hear strategies, lessons learned, and best practices
Level: Intermediate from a panel of speakers addressing these and other
Jeanne Capachin, AAP How to Take The Pain Out of questions from both the corporate and financial
Research Director, Financial Insights, an IDC Company One-Time Payments institution perspectives.
Linda Coven, CCM 607 Level: Intermediate
Head of Online Banking Channel Solutions, Silicon 8:30 a.m. - 9:30 a.m. Nicholas F. Alex, CTP
Valley Bank Automated Clearing House Director, Treasury Product Management, SunTrust
Stephen Devine, CCM One-time electronic payments such as WEB and William Lundeen
Senior Vice President, RBS Citizens TEL transactions occupy an ever-increasing share Group Manager, Global Banking, Procter & Gamble
of ACH Network volume. Due to the unique Deborah McSheffrey, CTP
Debunking the Myths About challenges these payments create, many Origina- Senior Level Treasury Professional
tors either do not offer them as options to their
the Unbanked & Underbanked: Sharon Petrey, CTP
consumers, or offer them in limited circum-
Survey Findings stances. This can lead to higher card processing
Corporate Director Treasury, Coca-Cola Enterprises, Inc.
604 fees and a perceived lack of payment choices as
8:30 a.m. - 9:30 a.m. consumers demand and expect more payment Earning Your Ph.D. in RDC
The Payments Biz flexibility. Speakers in this session discuss best 609
This session presents findings from an in-person practices for processing one-time payments, 8:30 a.m. - 9:30 a.m.
survey conducted among 400 check cashing store including risk mitigation, returns management, Check Electronification
users. The speaker in this session debunks the MICR parsing, and the implementation of a
Spend time with a $2.7 billion, multi-unit business
myths commonly held by bank executives, regu- NOC application.
that has been depositing all checks via remote
lators, and consumer advocates about unbanked Level: Advanced deposit capture (RDC) since October 2008.
and underbanked consumers. Among these Steve Kramer Indiana University installed 100 scanners, and
myths is the belief that consumers are unbanked Vice President, Western Union trained nearly 300 users in ten months across
or underbanked because of cultural and attitudi- eight cities without increasing staff or travel.
Laura Lee Orcutt, AAP
nal reasons. Instead, it reveals that people are Learn about the key components of their RFP,
SVP, Group Product Manager, Wells Fargo
unbanked for very practical reasons, including how they implemented the system, and how using
credit, pricing, cash flow, and service issues. RDC reduced deposit float, streamlined check
Fifty-three percent of unbanked consumers in processing operations, improved interest income,
Aite Group’s survey cite credit issues as impedi- and paid for itself in the first year. How can other
ments, while an additional 28 percent face pric- areas of the university, including athletic depart-
ing issues with checking accounts. Twelve ments and retail outlets, benefit from RDC?
percent reference cash flow issues as a deterrent,
Level: Intermediate
and seven percent mention service issues as con-
straining them. Greater education and marketing Ruth A. Harpool, AAP, CTP
wizardry is unlikely to succeed in attracting this Associate Director, Treasury Operation,
group to checking account relationships. The Indiana University
only way for banks to seriously compete is to
deliver a better product and value proposition.
Level: Fundamental
Gwenn Bezard
Research Director, Aite Group
!
CONTENTS ! 41
Wednesday, April 28
Cementing Your Future in Mobile Payments in Action: Buy a Little Time: New Bill Pay
the Payments Industry: Five Case Studies from Around Models that Help Cash-Strapped
Becoming an AAP the World Consumers & Get Billers Paid!
611 613/614 604
8:30 a.m. - 9:30 a.m. 8:30 a.m. - 9:30 a.m. 9:45 a.m. - 10:45 a.m.
Automated Clearing House Global Focus Corporate Payments Solutions
Is becoming an Accredited ACH Professional Speakers in this session present five examples of Since its inception in the mid-1990’s, online
(AAP) on your career map? Are you thinking operational mobile payment systems from around bill payment has become ubiquitous; yet, little
about taking the AAP exam this October, but the world: Multiple Bank Participants, Bank- has changed. User Interfaces have improved,
not sure where to begin? Speakers in this session Mobile Operator Partnership, Multiple Mobile payment speeds are faster, but one key problem
explore the purpose and value of the AAP designa- Operator Participants, Single Mobile Operator remains - if consumers don’t have money they
tion and continuing education process, the scope Proprietary, and Third-Party Proprietary. By can’t pay the bill. Traditional bill pay does little
of the AAP Exam, and the practical steps that you examining different sponsorship models tried to help consumers with this problem and must
can take now to reach your destination by Octo- in various regions, participants gain a greater turn to draconian channels to come up with
ber. In addition, a newly-accredited AAP shares understanding of potential business models and the funds. The current recession has led to this
her experience with the exam process and how this learn how to develop strategies to take advantage problem reaching far beyond the traditional
important designation has enhanced her career. of multiple models that may be present in their ranks of the underbanked. Most Americans
Level: Advanced region. Speakers reference the results of a North routinely live paycheck to paycheck, and find
American consumer survey on mobile payments, themselves short on funds. Now is the time for
Colleen B. Conway, AAP as well as a forecast of mobile device adoption, change. In this groundbreaking session, learn
Specialist, Banking Process, Semperian showing the potential market for different levels about new solutions that flip the bill pay model
Lisa Iselli, AAP of mobile services. on its head, giving consumers flexibility and
Education Coordinator, The Payments Authority, Inc. Level: Fundamental options, while protecting billers cash flow.
Jennifer Kirk, AAP Brian J. DuCharme Level: Intermediate
Director, Training, EPCOR VP, Business Leader-MoneySend N. America, Ryan Gilbert
MasterCard Worldwide Entrepreneur-in-Residence, Venrock Associates
Reloadable Prepaid Cards in Aaron McPherson Robin O’Connell
Branch – Research Study Results Research Director, Financial Services, Financial Insights, VP, Business Development, Billeo, Inc.
612 an IDC Company Hamed Shahbazi
8:30 a.m. - 9:30 a.m. Chairman & CEO, TIO Networks
Card Solutions Leveraging Business-to-Business Moderator: Brian Billingsley
Meta Payment Systems, Visa, and the Center for Networks to Build Market Consultant, eCom Advisors
Financial Services Innovation share results from Advantage
their recent research study conducted to identify 602/603
both the opportunity for reloadable prepaid cards 9:45 a.m. - 10:45 a.m.
in financial institution branches as well as the
Corporate Payments Solutions
most effective sales channels and marketing
approaches. Attendees learn how to assess the The late 2009 expansion in several business-to-
opportunity for reloadable prepaid card sales in business networks shows that B2B markets are
their branches, as well as how to train and market maturing, achieving quantifiable results, and
this product within the branch environment. extending their global functionality. Enabling the
full automation and integration of order-to-pay-
Level: Intermediate
to-post processes, including financing alterna-
Karen Andres tives, business-to-business networks are now
Relationship Manager, Center for Financial Services able to deliver significant benefits to their
Innovation participants. In this informative session, speakers
Mick Conlin overview B2B payment networks and their
SVP, Agent Product, Meta Payment Systems drivers, providing clear case study evidence
Lisa McFarland supporting the use of network services to create
Senior Business Leader, Visa, Inc. 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

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

!
CONTENTS ! 43
Wednesday, April 28
ACH Marketing: How Johns Hopkins University Creating a Payments Hub
Finding Common Ground Used A/P Card Settlement to in Real Life
612 Drive Working Capital & Fund 606
9:45 a.m. - 10:45 a.m. Automation 11:00 a.m. - 12:00 p.m.
Automated Clearing House 602/603 The Payments Biz
The end game for all ACH Network participants 11:00 a.m. - 12:00 p.m. The speaker in this session examines a bank’s
is network volume growth, and working together Corporate Payments Solutions real-world experience - the implementation details
to promote the widespread deployment of effec- Treasurers today face the challenge of looking for and organizational approaches - in the creation of a
tive ACH marketing programs is critical. In this new and creative ways to reduce costs while mak- payments hub. An agile approach was used, both
session, attendees hear from representatives of ing necessary technology and service investments top-to-bottom and bottom-to-top, built up from
both ACH operators what they’ve learned about that deliver improved cash flow, increased rev- individual business units’ requirements. Each
developing marketing plans, identifying target enue, and enhanced operational efficiencies. In requirement included a progressive build approach
markets, and coming up with effective and this case study, Johns Hopkins University and J.P. based on the principles of services-orientation
efficient ways to reach those markets. Find out Morgan share their best practices in implementing and a consistent standards-based framework design.
what opportunities still exist to expand ACH a fully automated A/P solution. Speakers outline This process built common business functions
network volume, and leave this session with steps to building an effective business case, and reused for business unit needs to build the pay-
some ideas on how to benefit from those demonstrate the revenue-generating potential of ments hub one value proposition at a time. The
opportunities. In addition, FMS presents the solution in order to achieve buy-in from uni- project progressed over the past four years with
information pertaining to the success of the versity administration. This presentation illus- ROI for each step in the progression. Services
Go Direct campaign. Presenters describe trates the importance of creativity when it comes for information reporting, payment, fraud, debt,
concrete, actionable tactics and practices to funding initiatives in a difficult budget environ- and commercial card are in production and
that you can put to immediate use. ment. Speakers also look at the value of working available for reuse.
Level: Fundamental with a banking partner to get the most out of Level: Advanced
Diane L. Freeman, AAP solutions available in the marketplace today. David Jackson
Marketing and Communications Manager, Federal Level: Intermediate WW Sales Leader, Banking Industry, IBM Corporation
Reserve Bank of Atlanta Gregory Kerwick
Tepricka Morgan Managing Director, Advisory Solutions Executive, Payment Notification & Tracking for
Senior Marketing Specialist, U.S. Department of the J.P. Morgan Wire Transfers
Treasury, FMS Kaliopi Provencher 607
Mark Tizzard Director of Treasury Operations, 11:00 a.m. - 12:00 p.m.
Strategic Product Development Manager, Johns Hopkins University
The Clearing House
The Payments Biz
All of the major parcel delivery companies offer
Self-Service: Beyond ATMs & popular package tracking and notification services,
Capturing an Elusive Market – Banking Services but payment providers lag behind. These services
The World of Global Remittances 604 could be especially useful when a payment is
613/614 11:00 a.m. - 12:00 p.m. traveling through multiple correspondent banks
9:45 a.m. - 10:45 a.m. Card Solutions located across multiple national jurisdictions.
Global Focus Pinpointing the source of a delay in such situations
Self-service technology is proliferating across
In every corner of the globe, sending money can currently be manually intensive and frustrating.
many industries and simplifying consumers’ lives,
back home generates an enormous volume In the fourth quarter of 2010, the wire transfer
from the grocery store self-check out to DVD
of low-value, non-urgent payments. These operators will implement a new message format
rentals to airline tickets, casinos and pharmacy
remittances require different processes and that will have dedicated fields to carry tracking and
information. Innovation around self-service
even different technology than more traditional notification data in the payment message. Industry
within the financial services sector will go far
payments. Speakers discuss operational and participants have begun to discuss possible ways to
beyond the traditional ATM. Growing consumer
technical changes under implementation to offer use the new format fields for tracking and notifica-
demand for efficiency and accessibility, whether
new remittance models, including closed loop, tion services. Presenters describe the new tracking
by laptop, mobile or kiosk, combined with the
SWIFT remittance using correspondent banking, and notification data elements contained in wire
retailer’s drive to increase customer loyalty and
and the Fed model available as of April 2010. transfer messages, discuss various business models
influence purchase behavior, are key forces
that could leverage the new fields to offer tracking
Level: Fundamental behind the future of self-service technology.
and notification services, and describe similar
Michael Bellacosa In this session, attendees learn how technology
services implemented in other markets.
Director, Product Management, BNY Mellon will propel self-service in both the virtual and
brick-and-mortar environments. Included are Level: Fundamental
Stephen Gehring self-service solutions for banked and unbanked Eileen Dignen
Head of SWIFT, San Francisco, SWIFT consumers as well as applications for employers Head, Banking Initiatives, SWIFT
Ernest Gregg to enhance employee satisfaction while Ken Isaacson
Treasurer, RIA Communications managing expenses. Vice President, Federal Reserve Bank of New York
Level: Intermediate Michael Knorr
Ashim Banerjee Managing Director, Citigroup
CIO, TSYS Acquiring Solutions

!
44 CONTENTS !
Wednesday, April 28
A Changing Payments Landscape Developing Best Practices Did the World Learn from SEPA?
Requires Innovative Fraud for Exchanging Healthcare 613/614
Management Payment Data 11:00 a.m. - 12:00 p.m.
608 611 Global Focus
11:00 a.m. - 12:00 p.m. 11:00 a.m. - 12:00 p.m. The sub-Sahara countries of Africa and the
Risk & Compliance The Payments Biz Middle East and Northern African countries are
Radical change in bank payment systems has led to In the healthcare industry, operating rules to looking at creating a single payment areas with a
increased productivity, new business development guide the exchange of payment information are common standard and rules to exchange pay-
opportunities, and more fraud. By exploring the inconsistent and result in a growing number of ments between participating countries. Speakers
evolution of payment systems and the fraud pre- diverse peer-to-peer connections. Secure, private, in this session examine what is happening with
vention strategies and tactics currently in place at authenticated exchanges of payment information the projects, timeframes, and expectations.
financial institutions, speakers in this session are essential, but unique connections complicate Level: Advanced
identify key opportunities to detect more fraud, the exchange of information, resulting in higher Sandra Horn
mitigate risk, and minimize losses. Why does costs. Streamlining payment exchanges requires Lead Product Manager, ACI Worldwide
payment systems integration remain an elusive the industry to establish a uniform set of operat-
John A. Johnson
goal? Why do fraud prevention systems fail to ing rules and best practices to safely and securely First Vice President, Treasury Services, BNY Mellon
detect cross-channel fraud? What can banks can do pass patients’ healthcare information between
to mitigate cross-channel fraud risk? Speakers providers and payers. Speakers share preliminary James Wills
examine fundamentally new approaches to detect- results from a collaborative partnership that is Sr. Business Manager, Banking Initiatives, SWIFT
ing and preventing fraud in payment systems and conducting a six-month pilot program to test a Moderator: Nancy Atkinson, CCM
examine how loss prevention professionals can pre- secure encryption and authentication platform Senior Analyst, Aite Group
pare for the continued evolution of the payments for exchanging healthcare payment information.
system. Speakers review the current difficulties stemming
Level: Intermediate from the lack of a comprehensive solution for
authentication, describe preliminary findings
Kim Duncan
from the pilot program, suggest requirements for
FVP, Enterprise Fraud Management, SunTrust
ensuring safe and secure payment exchanges for
Shirley Inscoe all stakeholders, and discuss next steps to estab-
Director, Financial Services Solutions, Memento, Inc. lish a single set of operating rules for exchanging
payment information.
Leveraging Best Practices for Level: Fundamental
International ACH Payments & Jeff Barnett
OFAC Director, Healthcare Solutions, VeriSign, Inc.
609 Gwendolyn Lohse
11:00 a.m. - 12:00 p.m. Deputy Director & Managing Director, CAQH
Automated Clearing House
The U.S. is rapidly adapting to the globalization of RDC for Small Businesses –
commerce, further integrating the flow of funds and The Good, The Bad & The Ugly
remittance information into the global economy.
612
As a result, more financial institutions will be able
11:00 a.m. - 12:00 p.m.
to provide international payment services to their
customers. However, along with these new business Check Electronification
opportunities, come new compliance requirements, Small businesses have unique value propositions
which are unique for international ACH payments. that pose some challenges for standard remote
Speakers in this session take a closer look at the deposit capture solutions - including the need for
new NACHA rules and provide a best practices integration with accounting software, front-end
point of view. Attendees learn best practices from a authorizations and returns handling. Presenters
money services business (MSB) compliance per- share the findings of an Aite Group survey of
spective on how to partner with their ODFI to approximately 300 small-business owners reveal-
understand their compliance obligations, as well as ing what factors would drive them to use RDC
the banker’s perspective concerning how banks and which marketing tactics are the most effec-
identify appropriate risks to measure and how to tive. Speakers also provide different examples of
comply with OFAC. Attendees leave with a better remote deposit capture solutions offered today to
understanding of how banks evaluate risk associ- small businesses.
ated with a particular client or industry and a Level: Intermediate
checklist to use when initiating an IAT. Tami Barron
Level: Intermediate Product Manager, Intuit
William K. Grace, AAP Christine Barry
VP, GTM Product Management, KeyBank Research Director, Aite Group
Anthony Luis Rodriguez
Chief Global Compliance Officer, RIA Financial Services

!
CONTENTS ! 45
Sponsors

Lanyards Monday Night Celebration


Industry Agenda & Education Sponsor
255 Fiserv Drive
320 Nevada St Payments Biz Track Brookfield, WI 53045
Newton, MA 02460
5650 Blazer Parkway Fiserv is a leader in financial services technol-
ACI Worldwide is a leading provider of soft- Dublin, OH 43017 ogy solutions, driving innovation in Payments,
ware and services solutions to initiate, manage,
eCom Advisors provides executive consulting, Processing Services, Risk & Compliance, Cus-
secure and operate electronic payments for
research and data analytics services to a broad tomer & Channel Management, and Insights
major banks, retailers and processors around the
range of clients, including banks, billers, ven- & Optimization. More than 16,000 clients trust
world. ACI products deliver payment process-
dors and investors. eCom is the market leader Fiserv, including banks, credit unions, and
ing, online banking, fraud prevention and
in the bank online channel, electronic pay- other financial institutions and business clients.
detection, and back-office services.
ments and financial technology, with 175+ Visit us at Booth #400 or www.fiserv.com.
Contact: Kimberly Rowell
years of experience. Contact: Joan Skimmons
Phone: 617-796-7700
Contact: Fred Brothers Phone: 800-872-7882
Fax: 617-243-0033
Phone: 614-734-8376 E-mail: getsolutions@fiserv.com
E-mail: kimberly.rowell@aciworldwide.com
Fax: 614-734-8533 URL: www.fiserv.com
URL: www.aciworldwide.com
E-mail: info@ecomadvisors.com
URL: www.ecomadvisors.com

Thought Leadership Spotlight


Notes Section of Onsite Conference
30 Montgomery Street, Suite 501
Guide Jersey City, NJ 07302
Industry Agenda & Education Sponsor
325 Corporate Drive Fundtech (NASDAQ:FNDT) provides soft-
Portsmouth, NH 03801 Corporate Payments Track ware solutions and services that facilitate pay-
Bottomline Technologies provides collaborative 38 Fountain Square Plaza ments, settlement and cash management by
payment, invoice and document automation Cincinnati, OH 45263 enabling banks to electronically manage cash,
solutions to global corporations, financial insti- process payments and transfer funds. The Com-
With more than 150 years of experience, Fifth
tutions and banks. Bottomline’s solutions are pany’s products are designed to increase effi-
Third Bank has the expertise, leadership and
used to streamline, automate and manage ciency while enabling banks to better serve
innovative technologies to help your organiza-
processes surrounding cash management and their corporate clients. Contact:
tion succeed in a rapidly changing marketplace.
supply chain finance. Organizations trust these www.fundtech.com
As a trusted partner, we are committed to pro-
solutions to reduce costs, create competitive Contact: Allison Liantonio
viding comprehensive, integrated solutions to
differentiation and optimize working capital. Phone: 201-946-1100
help streamline your payments operations and
Contact: Heather Bridges Fax: 201-946-1313
optimize your cash flow.
Phone: 800-243-2528 E-mail: allison.liantonio@fundtech.com
Contact: Betsy Ratcliff URL: www.fundtech.com
E-mail: info@bottomline.com
Phone: 312-704-6846
URL: www.bottomline.com
Fax: 312-704-2982
E-mail: betsy.ratcliff@53.com
URL: www.53.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.

!
46 CONTENTS !
Sponsors

Monday Morning Breakfast


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

!
CONTENTS ! 47
Sponsors

Industry Agenda & Education Sponsor Wireless Internet


Chairperson’s Leadership Reception
Risk & Compliance Track 12500 E. Belford Ave
1999 Bryan, Suite 3600 Englewood CO, 80112
SAS Campus Dr Dallas, TX 75201
Cary, NC 27513 Western Union® Global Business Payments
SWACHA is the resource of choice for educa-
offers comprehensive payment services designed
SAS® Fraud Management, developed in part- tion, training, payments system risk manage-
for both businesses and bill paying consumers.
nership with HSBC, is the only solution on the ment and knowledge about electronic
We are a market leader in walk-in and expe-
market that can stop fraud in its tracks with payments. To take advantage of our superior
dited electronic payment solutions, and a lead-
real-time scoring of all card transactions— quality training, unique resource materials,
ing provider of cross-border payment services
purchase, payment and nonmonetary—for audit services, risk management assessment and
that help clients improve cash flow, reduce
faster, more accurate fraud detection on a global consulting services, visit us at www.swacha.org
costs and streamline processing.
scale. Learn more: www.sas.com/cardfraud. or call (800)475-0585
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Fax: 919-531-9441 Fax: 214-438-4515 E-mail: doug.reynolds@westernunion.com
E-mail: sharon.hia@sas.com E-mail: info@swacha.org URL: http://payments.westernunion.com
URL: www.sas.com/cardfraud URL: www.swacha.org

Industry Agenda & Education Sponsor


Global Focus Track Industry Agenda & Education Sponsor Umbrellas
4600 Lakehurst Ct Check Electronification Track 3600 Bridge Parkway, Suite 200
Dublin, OH 43016 Redwood City, CA 94065
Sterling Commerce, an AT&T Inc. (NYSE: T) 420 Montgomery Street
San Francisco, CA 94104 Yodlee is changing the face of online banking
company, helps companies optimize and trans- with integrated PFM, payments and account
form their Business Collaboration Network to Wells Fargo offers the strength, stability, and
opening solutions that generate revenue, lower
accelerate revenues and reduce costs. Sterling staying power you expect in a bank along with
costs, decrease risk/fraud, and deepen customer
Commerce provides more than 30,000 the highest quality Treasury Management prod-
engagement, giving financial institutions a bet-
customers worldwide applications and integra- ucts and service rated A+ by our customers.
ter choice. Yodlee powers innovative services
tion solutions to connect, communicate and Look to us for innovative, technology-based
for 41 of the top 50 financial institutions and
collaborate inside and outside their enterprise. solutions to help you succeed in the economic
25+ million consumers.
More information can found at environment of the “new normal.”
Contact: Melanie Flanigan
www.sterlingcommerce.com. Phone: 800-858-4062
Phone: 650-980-3600
Contact: Jill Leffler URL: www.wellsfargo.com
Fax: 650-980-3602
Phone: 614-793-7000 E-mail: mflanigan@yodlee.com
Fax: 614-734-5601 URL: www.yodlee.com
E-mail: jill.leffler@stercomm.com
URL: www.stercomm.com

!
48 CONTENTS !
Research Partners

FIS PayPal.com
Research Partner Research Partner
601 Riverside Ave 2211 N. First St
Jacksonville, FL 32204 San Jose, CA 95131
A leading global provider of banking and pay- PayPal Financial Innovations enable you to
ments technologies, FIS provides financial quickly deliver the cutting-edge products your
institution core processing, and card issuer and customers are demanding. Find out how you
transaction processing services, including the can offer personal payments within your online
NYCE Network to more than 14,000 financial or mobile banking application, transform your
institutions and businesses in more than 90 rewards program so that your customers can
countries worldwide. spend virtually anywhere online, reduce loss
Contact: Sales with enhanced identity verification, and more.
Phone: 800-822-6758 Contact: Dan Schatt
E-mail: fis.info@fisglobal.com Phone: 415-706-1374
URL: www.fisglobal.com E-mail: dschatt@paypal.com
URL: www.paypal.com

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: Mobile Banking & Payments:


The Consumer Perspective My Phone is Still Smarter than Yours
Monday, April 26 Tuesday, April 27
Room 613/614 Room 613/614
11:15 a.m. – 12:15 p.m. 1:30 p.m. – 2:30 p.m.
Research Partners: FIS and PayPal Research Partner: FIS

!
CONTENTS ! 49
Exhibitors
3Delta Systems, Inc. . . . . . . . . . . . . . . . . . . .324 Online Resources . . . . . . . . . . . . . . . . . . . . .208 Exhibit Hall Hours for Attendees
3i Infotech . . . . . . . . . . . . . . . . . . . . . . . . . . .429 Open Solutions Inc. . . . . . . . . . . . . . . . . . . .436
PacNet Services Ltd. . . . . . . . . . . . . . . . . . . .228
Monday, April 26
Accuity . . . . . . . . . . . . . . . . . . . . . . . . . . . . .809
Panini . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .900 Exhibit Hall Open for attendees
ACE Software Solutions, Inc. . . . . . . . . . . .829
10:15 a.m. – 5:00 p.m.
ACH Alert . . . . . . . . . . . . . . . . . . . . . . . . . .211 PaymentVision . . . . . . . . . . . . . . . . . . . . . . .306
PayPal Financial Innovations . . . . . . . . . . . .902 Refreshment Break
ACH Federal, LLC . . . . . . . . . . . . . . . . . . . .328
10:15 a.m. - 11:15 a.m.
ACI Worldwide . . . . . . . . . . . . . . . . . . . . . . .617 Pertech Resources, Inc. . . . . . . . . . . . . . . . . .209
Pervasive Integration . . . . . . . . . . . . . . . . . .224 Luncheon in the Exhibit Hall
Actimize . . . . . . . . . . . . . . . . . . . . . . . . . . . .908
12:15 p.m. - 1:15 p.m.
Affirmative Technologies, Inc. . . . . . . . . . . .312 PreCash, Inc. . . . . . . . . . . . . . . . . . . . . . . . .831
ProfitStars, a Jack Henry Company . . . . . .601 Closed for Industry Agenda from 2:45 p.m. -
American Payroll Association . . . . . . . . . . .830
3:45 p.m.
Association for Financial Professionals . . . .230 RDM Corporation . . . . . . . . . . . . . . . . . . . .201
RemoteDepositCapture.com . . . . . . . . . . . .625 Refreshment Break
Axletree Solutions, Inc. . . . . . . . . . . . . . . . .237
3:45 p.m. - 4:30 p.m.
Axway . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .336 Secure Vault Payments™ . . . . . . . . . . . . . . .910
Sierra Atlantic, Inc. . . . . . . . . . . . . . . . . . . .736 Exhibit hall closes
CashEdge . . . . . . . . . . . . . . . . . . . . . . . . . . . .437
5:00 p.m.
ClairMail . . . . . . . . . . . . . . . . . . . . . . . . . . . .423 SignatureLink, Inc. . . . . . . . . . . . . . . . . . . .337
Clear2Pay Americas . . . . . . . . . . . . . . . . . . .218 SQN Banking Systems . . . . . . . . . . . . . . . . .832
Tuesday, April 27
Data Support Systems . . . . . . . . . . . . . . . . . .903 Software AG . . . . . . . . . . . . . . . . . . . . . . . .907
Exhibit Hall Open for attendees
DirectFED Payment Solutions . . . . . . . . . . .906 Sterling Commerce, an AT&T Company . .329
9:00 a.m. – 4:30 p.m.
Dovetail . . . . . . . . . . . . . . . . . . . . . . . . . . . . .536 SunGard . . . . . . . . . . . . . . . . . . . . . . . . . . . . .200
Refreshment Break
Dow Jones Risk & Compliance . . . . . . . . . .210 SurePayroll . . . . . . . . . . . . . . . . . . . . . . . . . . .733
9:15 a.m. – 10:00 a.m.
DST Output . . . . . . . . . . . . . . . . . . . . . . . . .901 SWIFT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .223
Closed for Payments System Awards luncheon
EastNets . . . . . . . . . . . . . . . . . . . . . . . . . . . . .912 Sybase Financial Fusion . . . . . . . . . . . . . . . .217
from 11:30 a.m. – 1:15 p.m.
EFC Systems, Inc. . . . . . . . . . . . . . . . . . . . . .801 SYNCADA from Visa . . . . . . . . . . . . . . . . .316
Refreshment Break
EFX Corporation . . . . . . . . . . . . . . . . . . . . . .233 Syniverse Technologies . . . . . . . . . . . . . . . .913
2:30 p.m. – 3:15 p.m.
eGistics, Inc. . . . . . . . . . . . . . . . . . . . . . . . . .828 Systar, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . .216
Exhibit hall closes to set for reception
Elavon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .310 The Bancorp Bank . . . . . . . . . . . . . . . . . . . .825
4:30 – 5:30 p.m.
Epson America, Inc. . . . . . . . . . . . . . . . . . . .816 The Clearing House . . . . . . . . . . . . . . . . . . .409
PAYMENTS 2010 Kickoff Reception
Federal Reserve Banks . . . . . . . . . . . . . . . . .317 Think Computer Corporation . . . . . . . . . .212
5:30 p.m. – 7:00 p.m.
Financial Transmission Network, Inc. . . . . .928 ThreatMetrix . . . . . . . . . . . . . . . . . . . . . . . .833
First Data . . . . . . . . . . . . . . . . . . . . . . . . . . . .204 US Dataworks . . . . . . . . . . . . . . . . . . . . . . . .322
FIS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .417 U.S. Dept of the Treasury, FMS . . . . . . . . . .231
Fiserv . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .400 VASCO Data Security . . . . . . . . . . . . . . . . .836
Fundtech Corporation . . . . . . . . . . . . . . . . .629 VSoft Corporation . . . . . . . . . . . . . . . . . . . .803
GIFTS Software, Inc. . . . . . . . . . . . . . . . . . .229 WAUSAU Financial Systems . . . . . . . . . . .725
Govolution, LLC . . . . . . . . . . . . . . . . . . . . . .737 Western Union Global Business Payments 701
GXS, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . .637 Yodlee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .309
Heartland Payment Systems . . . . . . . . . . . . .724
IDology, Inc. . . . . . . . . . . . . . . . . . . . . . . . . .232
Look for this Prize Drawing Icon
Infosys Technologies . . . . . . . . . . . . . . . . . . .909
Intuit Financial Services . . . . . . . . . . . . . . . .805 NACHA is putting a new twist on the traditional
Laru Corporation . . . . . . . . . . . . . . . . . . . . . .729 Tuesday Evening Reception prize drawing
LendingTools.com . . . . . . . . . . . . . . . . . . . . .332 announcements. Instead of announcing the prize
Montran Corporation . . . . . . . . . . . . . . . . . .236 drawings at one dedicated location, prize winners
NACHA . . . . . . . . . . . . . . . . . . . . . . . . . . . .607 will be announced in a round robin format from
NetDeposit . . . . . . . . . . . . . . . . . . . . . . . . . . .207
designated exhibitor booths. This icon by an
exhibitors name indicates they plan on having a “prize”
Norkom Technologies . . . . . . . . . . . . . . . . . .222
and the winner will be announced from their booth.
Norman Technologies . . . . . . . . . . . . . . . . . .813

!
50 CONTENTS !
Exhibit Hall Floor Plan
GATE 4

240 241 340 341 440 441 540 641 740 741 840 841 940

238 239 338 339 438 439 538 639 738 739 838 839 938

236 237 336 337 436 437 536 637 736 737 836 837 936

232 233 332 733 832 833 932

230 231 830 831 930

228 229 328 329 429 629 729 828 829 928

Exhibit
Service
224 324 625 724 725 825 925 Area
FHC
FE
222 223 322 423 923
FHC
FE

921

218 919
10'x10'
216 217 316 317 417 617 816 917 Office

10'x10'
Office

212 312 813 912 913

210 211 310 910 911


NACHA
208 209 309 409 809 908 909

207 306 607 906 907

204 805

803 902 903

200 201 400 601 701 801 900 901

UP TO 5
SHOW FHC Up To
F 5 Show

439 438

Escalators DOWN
Attendee Attendee
Floors 4 & 6
498.1 EXIT
Only UP
Entrance Entrance

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 For more information on
office to rebook exhibit space for 2011. If you have a conflict, come by the sales office to reschedule.
PAYMENTS 2011
NEW 2011 PAYMENTS EXHIBITORS exhibit and sponsorship
Looking to exhibit at the industry’s leading event next year but weren’t an exhibitor this year? packages, visit
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.
www.payments.nacha.org.
!
CONTENTS ! 51
S t a y i n g G r e e n W i t h N AC H A !
S t a y i n g G r e e n W i t h N AC H A !
Conference Archives applauds
NACHA - The Electronic Payments Association
on continuing to stay green at PAYMENTS 2010!
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!
yo u r
Order TS
In fact, by con-
tinuing to make
M E N
PAY M
conference ma-
D-RO terials available
2010 C r just to you in this
e f o
on-sit manner, NACHA

99!
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!

On-site Post-Event
$
99 $
199
Order online and get instant access!

239 Main Street, Suite 300


Johnstown, PA 15901
814.536.3356

www.confer encecar t.com


!
CONTENTS !
Exhibitors
3Delta Systems, Inc.® (3DSI) 324 ACE Software Solutions Inc. 829 world. ACI products deliver payment process-
14151 Newbrook Dr, Suite 200 33 Wood Ave, South, Suite 600 ing, online banking, fraud prevention and
Chantilly, VA 20151 Iselin, NJ 08830 detection, and back-office services.
3DSI is a recognized leader in delivering secure, ACE Software Solutions, a global provider of Contact: Kimberly Rowell
Internet-based purchase and credit card pro- payment processing products. Its PELICAN™ Phone: 617-796-7700
cessing solutions to enterprise, B2B and B2G product enables differentiated payment services, Fax: 617-243-0033
customers. 3DSI’s suite of integrated payment by facilitating new, automated service levels at E-mail: kimberly.rowell@aciworldwide.com
solutions are scalable, easy to implement and lower costs. It offers fully integrated central- URL: www.aciworldwide.com
PCI compliant, enabling merchants and buyers ized, rule based solutions for Banks such as STP
to manage, authorize and settle payment trans- – Automatic Repair, Routing, Reporting, Rev-
Actimize 908
1359 Broadway, 5th Floor
actions in real-time. enue Generation. This extensible component New York, NY 10018
Contact: Aaron Bills based approach offers Exceptions Processing,
and OFAC compliance. Actimize is the world's largest and broadest
Phone: 703-234-6010
Fax: 703-234-6004 provider of a single financial crime, risk and
Phone: 732-603-4990
E-mail: sales@3dsi.com compliance platform for the financial services
Fax: 208-439-2573
URL: www.3dsi.com E-mail: rdesai@acesw.com industry. Actimize provides real-time and cross-
URL: www.acesw.com channel fraud prevention, anti-money launder-
3i Infotech 429 ing, enterprise investigations, risk management
2012 Corporate Lane, Suite 108 ACH Alert 211 and trading surveillance solutions for the
Naperville, IL 60563 8920 B. Transport Lane, Suite 1 world’s largest financial institutions including
3i Infotech provides end-to-end technology and Ooltewan, TN 37363 the top 10 global banks.
business process solutions through its sub- Retire legacy Debit Filters and ACH Positive Contact: Felicia Mutdhastira
sidiaries: Regulus Group, the premier provider Pay and end the unauthorized ACH debit Phone: 212-994-3866
of outsourced billing and payment services dilemma for businesses and consumers. RDFI’s Fax: 212-643-4600
designed to accelerate cash, improve corporate utilizing ACH Alert can push actionable alerts E-mail: feliciam@actimize.com
productivity and reduce overall management URL: www.actimize.com
before an ACH debit post, accept instant
costs; and J&B Software, a leading provider of responses, electronically present pre-populated
payment processing, imaging, electronic
Affirmative Technologies, Inc. 312
WSUPP’s when applicable, and completely 35111 US Highway 19 North, Suite 200
content. automate the return & re-credit process. Palm Harbor, FL 34684
Contact: Karin Keyser Contact: Deborah Peace By leveraging over a decade of experience in
Phone: 866-747-2877 E-mail: debbiepeace@achalert.com
Fax: 630-778-2295 software design and implementation the trans-
URL: www.achalert.com
E-mail: karin.keyser@3i-infotech.com action process is streamlined in a standardized
URL: www.3i-infotech.com ACH Federal, LLC 328 manner, ensuring accuracy and reducing risk.
1516 Riverside Dr Choosing to invest in proven technology in the
Chattanooga, TN 37406 short-term, you can keep your operations costs
low, address current and future business needs.
ACH Federal is built upon the principles of
service and flexibility, providing solutions for Contact: Sherry Knitter
809 financial institutions and individual businesses. Phone: 727-772-9881
4709 Golf Rd, Suite 600 Fax: 727-772-6939
We incorporate state-of-the-art technology, a
Skokie, IL 60076 E-mail: sknitter@affirmativeusa.com
connection to the ACH Operator and superior URL: www.affirmativeusa.com
Accuity is the leading provider of payment knowledge of the NACHA rules. ACH Federal
routing data and solutions to improve payment is a partner that you can trust for your elec- American Payroll Association 830
STP rates. From online look-up tools to pay- tronic payments platform. 660 North Main Ave, Suite 100
ment information enhancement services to Contact: Kim Hawes San Antonio, TX 78205
data maintenance files, Accuity delivers an Phone: 866-859-0555 The American Payroll Association (APA) is
array of offerings with the singular goal of Fax: 866-661-4225 the nation’s leader in payroll education and
streamlining payments and saving businesses E-mail: kim.hawes@achfederal.com
training. APA administers the Certified Payroll
time and money. URL: www.achfederal.com
Professional (CPP) and the Fundamental Pay-
Phone: 847-676-9600 roll Certification (FPC) exams. Publishing
Fax: 847-933-8101 ACI Worldwide 617
320 Nevada St. more than 15 payroll references and conducting
E-mail: custserv@accuitysolutions.com
URL: www.accuitysolutions.com Newton, MA 02460 over 300 seminars nationwide on critical pay-
roll compliance topics, the APA is 23,000
ACI Worldwide is a leading provider of soft-
members strong.
ware and services solutions to initiate, manage,
secure and operate electronic payments for Contact: Shannon Dewey, Solutions Manager
major banks, retailers and processors around the Phone: 210-226-4600
E-mail: sdewey@americanpayroll.org
URL: www.americanpayroll.org

!
CONTENTS ! 53
Exhibitors
Association for CashEdge 437 Data Support Systems 903
Financial Professionals 230 215 Park Avenue South, Suite 1300 6210 North 107th Street
4520 East-West Highway, Suite 750 New York, NY 10003 Omaha, NE 68134
Bethesda, MD 20814 CashEdge is the leader in intelligent Money With 23 of the top 30 US banks as customers,
The Association for Financial Professionals® Movement™ Services providing innovative Data Support Systems is the Back Office
(AFP) serves more than 16,000 treasury and payment solutions to financial institutions for Automation Industry's choice. TRIPS™
finance professionals worldwide. AFP provides their retail and small business banking cus- Enterprise Class facilitates Universal Payment
members with news, economic research, world- tomers. CashEdge’s services include mobile and Processing (including ACH) for Incoming and
class treasury certification, networking events, online person-to-person payments and small Outgoing Returns, Exceptions, Image
analytical tools, training and public policy rep- business payments. CashEdge serves leading Exchange, Research and Adjustments, Collec-
resentation. AFP’s global reach includes AFP of financial institutions, including seven of the tions and Disputes. For more information call
Canada; London-based gtnews.com; and ten largest banks in the country. Matt Cunningham at 901-482-0605.
bobsguide, a financial IT solutions network. Contact: Catherine Palmieri Contact: Matt Cunningham
Contact: Natalya Seliuk Phone: 212-478-6000 Phone: 402-431-1919
Phone: 301-907-2862 Fax: 212-478-5999 Fax: 402-431-8189
Fax: 301-907-2864 E-mail: cpalmieri@cashedge.com E-mail: mcunningham@datasupport.com
E-mail: nseliuk@afponline.org URL: www.cashedge.com URL: www.datasupport.com
URL: www.afponline.org
ClairMail 423 DirectFED Payment Solutions 906
Axletree Solutions, Inc. 237 4 Hamilton Landing, Suite 200 5670 Wilshire Blvd., Suite 1530
2 King Arthur Ct Novato, CA 94949 Los Angeles, CA 90036
Lakeside West, Suite A-1 ClairMail is the leading provider of mobile Direct Fed Payment Solutions’ client-focused
North Brunswick, NJ 08902 solutions for banking, payment and card serv- remote deposit capture system improves an
Axletree is a SWIFT Regional Partner, Service ices. ClairMail provides a technology platform organization’s profitability by processing checks
Bureau and Service Provider located in the designed to help financial institutions realize with unmatched speed and accuracy while
United States. Our SWIFT Certified Profes- the strategic potential of mobile banking, driv- reducing bank fees and handling expenses.
sionals provide FULLY-MANAGED end-to- ing new levels of customer trust and loyalty, Their patented suite of products provides pay-
end SWIFTNet connectivity solutions and facilitating cross-sell opportunities and enabling ment and processing solutions for multination-
services to clients globally. Axletree was formed near-term, measurable cost savings. als, small enterprises, not-for-profits,
at the invitation of SWIFT with a single objec- Contact: John Aquino municipalities, credit unions and all types of
tive; to be exclusively dedicated to SWIFT. Our Phone: 415-884-7270 financial service institutions.
expertise is your advantage. Fax: 415-884-7299 Contact: Michael Smith, Vice President of
Contact: Martin Lightman E-mail: john.aquino@clairmail.com ISO Relations
Phone: 732-296-0001 URL: www.clairmail.com Phone: 310-417-1994
Fax: 732-210-0330 E-mail: msmith@directfed.com
E-mail: martin.lightman@axletrees.com URL: www.directfed.com
URL: www.axletrees.org
Dovetail 536
Axway 336 218 130 Clinton Rd
6811 E. Mayo Blvd, Suite 400 45 Braintree Hill Office Park, Suite 202 Fairfield, NJ 07004
Phoenix, AZ 85054 Braintree, MA 02184
Dovetail’s payment services hub is proven to
Axway is the Business Interaction Networks Clear2Pay is an innovative financial technol-
manage high-volume, complex wire and ACH
company—the only provider in the market ogy company focused on delivering global solu-
processing in the world’s largest banks. Our
today to manage, run, secure, and monitor all of tions for secure, timely electronic payments.
SOA framework allows legacy infrastructure to
your business interactions, including e-mail, Clear2Pay’s Open Payment Framework (SOA)
be progressively renovated to deliver benefits in
files, messaging, services, events, and processes. supports all solutions from bulk payments to
scale, personalization and value added services
Axway’s comprehensive offerings include retail, remittance, mobile services, etc.
that fit your business. Our unrivalled track
business-to-business integration, managed file Contact: Amber Sunseri Luther record ensures your success.
transfer, secure e-mail, enterprise application Phone: 781-908-0100
Fax: 781-418-0918 Contact: Barry Tooker
integration, and identity validation solutions. Phone: 973-882-9922
E-mail: aluther@clear2pay.com
Contact: Inside Sales URL: www.clear2pay.com Fax: 973-882-9822
Phone: 480-627-1800 E-mail: barrytooker@dovetailsystems.com
Fax: 480-627-1801 URL: www.dovetailsystems.com
E-mail: insidesales@us.axway.com
URL: www.axway.com

!
54 CONTENTS !
Exhibitors
Dow Jones 210 Elavon 310
Commodity Quay, East Smithfield 801 One Concourse Parkway, Suite 300
London E1W 1AZ 3026 Owen Drive, Suite 101 Atlanta, GA 30328
UK Antioch, TN 37013 In an increasingly complex business landscape,
Dow Jones Sanction Alert is a new and unique EFC Systems provides solutions focused on Elavon is your global source for innovative pay-
sanctions list management service specifically Remote Deposit/ACH platforms to corporate ment solutions—the one company that clients
designed for use within automated payments fil- clients and financial institutions. Our tradi- and partners everywhere trust to securely and
tering programs. By continuously monitoring tional and web-based solutions make it possible reliably manage their payments business. We
international sanctions lists we ensure our to operate in your environment or host exter- deliver innovative and secure solutions to help
clients always have access to accurate, complete nally. EFC is launching a revolutionary sub- you increase revenues, decrease costs, and
and robust information, and are fully protected scription based service called NORMAN, sharpen your competitive edge.
from sanctions risk. which allows FIs to manage terminated Contact: Natalie Wilson
Contact: Pervez Janjua originator related risk. Phone: 678-731-4016
Phone: 44-0-203-217-5088 E-mail: natalie.wilson@elavon.com
Contact: Cindy Kelly
E-mail: pervez.janjua@dowjones.com URL: www.elavon.com
Phone: 615-280-5100
URL: www.dowjones.com
Fax: 615-280-5171
E-mail: ckelly@efcsystems.com
DST Output 901 URL: www.efcsystems.com
1102 Investment Blvd 816
El Dorado Hills, CA 95762 3840 Kilroy Airport Way
EFX Corporation 233 Long Beach, CA 90806
DST Output provides integrated electronic and 3700 Mansell Rd., Suite 220
Epson has extensive experience developing
print bill and statement solutions. eSolutions Atlanta, GA 30022
high-quality, commercial image scanners. As a
include presentment, payment, and distribution EFX is a multi-product processor, specializing in leading provider of image-based electronic
services; archival/retrieval solutions; and com- ACH, ATM and Debit POS processing as well check capture solutions for teller capture,
pliance solutions for proxy and summary as Pre-paid Debit Card Issuing. We provide branch capture and remote deposit capture
prospectus electronic document delivery. With extensive on-line access and reporting services, applications, Epson is the brand financial insti-
over 10 years in eSolutions, we process over including customized reporting. We provide tutions and commercial depositors can trust for
3.6B electronic documents and 10M electronic world-class client support based on our flexible quality, reliability and value.
payments annually. processing platforms to financial institutions Phone: 562-290-5304
Contact: Cheryl Killoran and merchants. E-mail: ken_fang@ea.epson.com
Phone: 800-441-7587 Contact: Don Gentry URL: www.pos.epson.com
Fax: 860-290-7482 Phone: 800-340-0846
E-mail: clkilloran@dstoutput.com Fax: 866-213-5533
URL: www.dstoutput.com Federal Reserve Banks 317
E-mail: dgentry@efxfinancialservices.com 230 South LaSalle Street
URL: www.efxfinancialservcies.com Chicago, IL 60604
EastNets 912
450 Seventh Ave, Suite 1509 Federal Reserve Banks offer innovative finan-
eGistics, Inc. 828
New York, NY 10123 17304 Preston Rd, Suite 550 cial services, providing you accessibility and
EastNets is a leading provider of global compli- Dallas, TX 75252 flexibility in an evolving industry. Services
ance and payment solutions and services with include FedACH®, FedGlobalSM ACH
eGistics is a leading provider of hosted informa- Payments, FedForward®, FedReceipt®,
over 1,000 customers in 120 countries. EastNets tion management solutions that digitize paper
provides anti-money laundering, payment and FedReturn®, Check, Fedwire® Funds and Secu-
work flows to support business processes, enable rities, FedCash®, National Settlement and
transaction management solutions, and SWIFT collaboration, and streamline compliance and
plug-ins to add value to SWIFT connectivity to Treasury Services and FedLine® Access Solu-
business continuity planning. Our advanced tions. FedInsightsSM includes FedACH Risk®
improve risk protection, transparency, and cost image and data solutions enable business
savings. EastNets’ fully-hosted Service Bureau management, FedEDI® Plus and FedACH
process automation by optimizing the storage, Information Services.
serves over 200 financial institutions globally. management and delivery of business-critical
Contact: Roy Sudeepto information. Contact: FedACH Sales Specialist
Phone: 212-631-0666 Phone: 312-322-4370
Phone: 214-256-4600 E-mail: frbnationalsales@chi.frb.org
Fax: 212-631-0170 Fax: 214-256-4641
E-mail: rsudeepto@eastnets.com URL: www.FRBservices.org
URL: www.egisticsinc.com
URL: www.eastnets.com

!
CONTENTS ! 55
Exhibitors
Financial Transmission Govolution 737
Network, Inc. 928 400 2000 North 14th St, Suite 600
13220 Birch Dr, Suite 120 255 Fiserv Drive Arlington, VA 22201
Omaha, NE 68164 Brookfield, WI 53045 Velocity is an electronic payment applications
FTNI’s ETran solution helps customers stream- Fiserv is a leader in financial services technol- service provided by Govolution, a First Ameri-
line payment processing and minimize risk by ogy solutions, driving innovation in Payments, can Payment Systems company. Velocity has
consolidating Remote Deposit Capture, single Processing Services, Risk & Compliance, Cus- been honed to the strict technical, financial
and recurring ACH and credit/debit card trans- tomer & Channel Management, and Insights and security standards of the U.S. federal gov-
actions, on a single platform, in a managed & Optimization. More than 16,000 clients trust ernment. Starting at payment processing, its
services environment. FTNI specializes in Fiserv, including banks, credit unions, and modules include back-end reporting, data man-
reflecting these payments, real-time or batch, in other financial institutions and business agement and administrative tools that integrate
the merchant’s accounting system. clients. Visit us at Booth #400 or with cash management systems.
Contact: Lyle Knox www.fiserv.com. Contact: Jarvia Taylor
Phone: 402-502-8777 Contact: Joan Skimmons Phone: 703-894-5000
E-mail: lyle@ftni.com Phone: 800-872-7882 Fax: 703-894-5001
URL: www.ftni.com E-mail: getsolutions@fiserv.com E-mail: jtaylor@govolution.com
URL: www.fiserv.com URL: www.govolution.com
First Data 204
6200 S Quebec St Fundtech 629 GXS 637
Greenwood Village, CO 80112 30 Montgomery Street, Suite 501 9711 Washingtonian Blvd
Jersey City, NJ 07302 Gaithersburg, MD 20878
First Data powers the global economy by mak-
ing it secure for people and businesses to buy Fundtech (NASDAQ:FNDT) provides soft- GXS is a leading provider of B2B e-commerce
goods and services using any form of electronic ware solutions and services that facilitate pay- solutions that enable comprehensive business-
payment. First Data securely processes transac- ments, settlement and cash management by to-bank connectivity regardless of format, stan-
tions and harnesses data power to deliver intel- enabling banks to electronically manage cash, dard or protocol. Organizations worldwide,
ligence and insight for millions of merchant process payments and transfer funds. The Com- including 70 percent of the Fortune 500, utilize
locations and thousands of card issuers. pany’s products are designed to increase effi- GXS solutions to automate, standardize and
Contact: Wimbish Potter ciency while enabling banks to better serve optimize their financial and physical supply
Phone: 404-921-3361 their corporate clients. Contact: chains. Visit www.gxs.com
Fax: 404-355-7511 www.fundtech.com Contact: Tracy Bramlet
E-mail: wpotter@czrnowski.com Contact: Michelle Alexander E-mail: tracy.bramlet@gxs.com
URL: www.firstdata.com Phone: 201-946-1100 URL: www.gxs.com
Fax: 201-946-1313
FIS 417 E-mail: michelle.alexander@fundtech.com Heartland Payment Systems
601 Riverside Ave URL: www.fundtech.com Bank Alliances 724
Jacksonville, FL 32204 101 Malabu Dr, Suite 3
A leading global provider of banking and pay- GIFTS Software Inc. 229 Lexington, KY 40503
360 Lexington Ave
ments technologies, FIS provides financial Heartland Payment Systems provides
New York, NY 10017
institution core processing, and card issuer and credit/debit/prepaid card processing, payroll,
transaction processing services, including the The eGIFTS, enhanced Integrated Funds check management, restaurant management
NYCE Network to more than 14,000 financial transfer & Telecommunications System, is an systems, and on line payment solutions to busi-
institutions and businesses in more than 90 exciting next generation system designed to nesses nationwide. Heartland founded The
countries worldwide. automate and streamline the wire transfer and Merchant Bill of Rights, to help businesses
telecommunications processing of any bank. manage the costs and complexities of card
Contact: Sales
Phone: 800-822-6758 Automated interfaces to Fedline Direct/ acceptance. HeartlandPaymentSystems.com
Fax: 414-586-8114 Advantage, ACH, CHIPS, SWIFT and many and MerchantBillOfRights.com.
E-mail: fis.info@fisglobal.com of the popular core banking systems are fully Contact: Brad Wilson, Director of Bank Alliances
URL: www.fisglobal.com supported. Phone: 859-309-1950
Contact: Paul Campanaro Fax: 800-344-8839
Phone: 646-865-1301x217 E-mail: brad.wilson@e-hps.com
E-mail: pcampanaro@giftssoft.com URL: www.heartlandpaymentsystems.com
URL: www.giftssoft.com

!
56 CONTENTS !
Exhibitors
IDology, Inc. 232 LendingTools.com 332 NetDeposit 207
280 Interstate North Circle SE, Suite 610 200 N. Broadway, Suite 700 3949 South 700 East, Suite 300
Atlanta, GA 30339 Wichita, KS 67202 Salt Lake City, UT 84107
IDology provides real-time identity proofing LendingTools.com is the leading provider of NetDeposit provides of payment technologies
and age verification solutions to anyone con- technology services to correspondent banks. supporting paper to image processing, distrib-
ducting business in consumer-not-present envi- With over 35% of U.S. banks utilizing our serv- uted capture, and electronic clearing. NetDe-
ronments. With IDology’s ExpectID solution ices, LT operates the largest interfinancial insti- posit’s solutions are tailored for banks, credit
suite, businesses can expect to drive revenue, tution cash management system outside of the unions, processors, and their business cus-
decrease costs, and prevent fraud while also Fed. Our OnWe network allows correspondent tomers, enabling them to process electronic
meeting compliance regulations. For more FIs to manage the exchange, clearing and set- payments with greater speed and accuracy. Net-
information call 866-520-1234 or visit us at tlement of image CLs. Deposit provides convenient, multi-channel
www.idology.com. Contact: Tracy Hearson payment acceptance, initiation, and depositing
Contact: Jodi Florence Phone: 316-267-3200 services.
Phone: 866-520-1234 Fax: 316-267-3278 Contact: Chris Styga
Fax: 678-324-3824 E-mail: thearson@lendingtools.com Phone: 801-716-4800
E-mail: jflorence@idology.com URL: www.lendingtools.com Fax: 801-716-4870
URL: www.idology.com E-mail: info@netdeposit.com
Montran Corporation 236 URL: www.netdeposit.com
60 East 42nd St, Suite 464
805 New York, NY 10165 Norkom Technologies, Inc. 222
26025 Mureau Rd For over 30 years Montran has been the world 260 Franklin St, Suite 1920
Calabasas, CA 91302 Boston, MA 02110
leader in designing and implementing cost-
Formerly Digital Insight, Intuit Financial Serv- effective, comprehensive, fully integrated Pay- Norkom Technologies is a market-leading
ices helps financial institutions be more prof- ment, Clearing and Settlement Systems that provider of innovative financial crime and
itable by providing solutions for consumers and are JAVA based and platform independent. compliance solutions to the global financial
businesses to easily manage their money. The Montran is a SWIFT Solution Provider and is a services industry. Norkom helps financial insti-
division’s portfolio of on-demand solutions and certified SWIFT Ready application. tutions in over 100 countries to reduce mone-
growth consulting services build on three Contact: Joseph Susino tary losses, protect their brands and reputations,
decades of unique customer insights and inno- Phone: 212-684-5214 improve regulatory compliance and operational
vation that help drive active use. Fax: 212-889-2694 efficiencies, and lower the costs of information
Contact: Sales Operations E-mail: corporate@montran.com technology.
Phone: 888-344-4674 Contact: Chris Belthoff
E-mail: salesoperations@digitalinsight.com Phone: 617-373-4190
URL: www.digitalinsight.com E-mail: marketing@norkom.com
607
13450 Sunrise Valley Dr, Suite 100 URL: www.norkom.com
LARU 729 Herndon, VA 20171
PO Box 4363 Norman Technologies 813
El Dorado Hills, CA 95762 NACHA supports the growth of the ACH 630 Davidson Gateway Dr., Suite 250
LARU, the ACH risk and compliance leader Network by managing its development, admin- Davidson, NC 28036
provides groundbreaking risk products. Laru’s istration, and governance. The ACH Network
Norman Technologies provides management
newest and most innovative product, ACH facilitates global commerce by serving as a safe,
and IT consulting services in the Global Pay-
Vision, STOPS problems before they happen. efficient, ubiquitous, and high-quality elec-
ments and Trade Services space. With our focus
ACH Vision joins Laru’s other landmark prod- tronic payment system. More than 15,000
on domestic and international Electronic Pay-
ucts: ACH FileFox, a feature-rich file editor; depository financial institutions originated and
ments, Trade Finance, Treasury Management,
and ACH Clarity, a sophisticated tool for man- received 18.2 billion ACH payments in 2008.
and Supply Chain Management, and experi-
aging your ACH risk and compliance. NACHA represents nearly 11,000 financial
ence with leading industry software vendors,
institutions through 18 regional payments asso-
Contact: Phyllis Baughman Norman Technologies brings the skills needed
ciations and direct membership. Through its
Phone: 916-458-6149 to help guide clients through mission-critical
E-mail: phyllis@larucorp.com
industry councils and forums, NACHA brings
initiatives.
URL: www.larucorp.com together payments system stakeholder organiza-
tions to encourage the efficient utilization of Phone: 704-896-0128
the ACH Network and develop new ways to Fax: 704-896-4943
E-mail: joe.wingard@normantech.com
use the Network to benefit its diverse set of par-
URL: www.normantech.com
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

!
CONTENTS ! 57
Exhibitors
Online Resources 208 Panini 900 Pertech Resources, Inc. 209
4795 Meadow Wood Lane 577 Congress Park Dr. 860 College View Dr
Chantilly, VA 20151 Dayton, OH 45459 Riverton, WY 82501
Online Resources offers the eCom Advantage Panini offers check capture solutions that help Pertech Resources, Inc. designs and manufac-
suite of electronic payment, presentment, and customers fully realize the advantages and tures unique peripheral products for the bank-
receivables solutions. We provide all payment efficiencies available with the digital transfor- ing, financial, point of sale, and other markets
channels (Web, IVR, CSR, mobile) and mation of the paper check. The scalable solu- from its headquarters in Riverton, Wyoming. In
process all payment methods (credit card, debit tions address the complete range of distributed addition to distributed products, the company
card, ACH) in home-banking and biller-direct check processing opportunities including teller, also is a leader in OEM design and manufactur-
(user and biller-paid) settings. The Company back-counter, and remote deposit capture, ing. The company has been in continuous oper-
serves banks and billers in multiple industries. merchant back office conversion (BOC), cash ation since 1971.
Contact: Ann Tierney vault, microfilm replacement and remittance Contact: Steve Watkins
Phone: 609-606-3000 processing. Phone: 307-856-4821
Fax: 609-606-3297 Contact: Jessica Back Fax: 307-856-0412
E-mail: atierney@orcc.com Phone: 937-291-2195 E-mail: steve.watkins@pertechresources.com
URL: www.orcc.com Fax: 937-291-2197 URL: www.pertechresources.com
E-mail: jessica.back@panini.com
Open Solutions Inc. 436 URL: www.panini.com Pervasive Integration 224
455 Winding Brook Dr 12365-B Riata Trace Parkway
Glastonbury, CT 06033 PaymentVision 306 Austin, TX 78727
Open Solutions Inc. provides comprehensive, 9801 Washington Blvd, Suite 200 Pervasive Integration speeds data/application
image-based item processing products and Gaithersburg, MD 20878 transformation, translation, migration, and
services—from remote deposit capture to image PaymentVision, a division of Autoscribe Cor- integration for electronic payments transactions
exchange. With solutions that can be delivered poration, is a third party service provider of firms. Connect all your data/applications!
in an in-house or outsourced environment, we biller direct electronic payment and gateway Customers like Citigroup, Aegon, Omgeo,
can show you how to solidify your commercial services. PaymentVision epayment services State Street, HSBC, Princeton E-Commerce,
depositor relationships, eliminate geographic include web, IVR and call center support for AXA, many others rely on Pervasive’s integra-
barriers and increase your financial institution’s credit/debit and ACH payments as well as risk tion platform to facilitate re-use for diverse
non-interest income. mitigation options including ACH account scenarios whether on-premise, SaaS, or
Contact: Greg Kunath validation services. cloud. www.pervasiveintegration.com or
Phone: 860-652-3155 Contact: Christopher McClinton 1-888-296-5969.
Fax: 860-652-3156 Phone: 301-987-0979 Contact: Patrick Tuttle, Regional Manager,
E-mail: greg.kunath@opensolutions.com E-mail: sales@paymentvision.com Electronic Payments Integration
URL: www.opensolutions.com URL: www.paymentvision.com E-mail: patrick.tuttle@pervasive.com
URL: www.pervasiveintegration.com
PayPal Financial Innovations 902
2211 N. First St PreCash, Inc. 831
San Jose, CA 95131 1800 W. Loop S., #1400
PayPal Financial Innovations enable you to Houston, TX 77027
quickly deliver the cutting-edge products your PreCash provides convenient payment solu-
customers are demanding. Find out how you tions that convert cash into electronic pay-
can offer personal payments within your online ments for cash-paying and underbanked
228 or mobile banking application, transform your consumers. PreCash offers the Vision Premier
4th Floor – 595 Howe Street rewards program so that your customers can Prepaid Visa® card and other prepaid Visa and
Vancouver, BC V6C 2T5
CANADA
spend virtually anywhere online, reduce loss MasterCard® products, prepaid debit card pro-
with enhanced identity verification, and more. gram management services, cash bill payments,
PacNet offers a broad suite of inbound and prepaid wireless refills and more. Visit www.pre-
Contact: Dan Schatt
outbound payment services, including multi- Phone: 415-706-1374 cash.com, or www.visionprepaid.com.
currency check processing, scanning solutions, E-mail: dschatt@paypal.com Contact: Marchelle Becher
Check 21, ACH, SEPA, multi-currency mer- URL: www.paypal.com Phone: 713-600-2200
chant accounts, credit and debit card process- URL: www.precash.com
ing, bank transfer collection and more. Visit us
at booth 228 to discuss your domestic and inter- ProfitStars,
national payment needs. A Jack Henry Company 601
Contact: Brendan Mahal 1025 Central Expressway South
Phone: 604-689-0399 Dallas, TX 75013
Fax: 604-689-0313 ProfitStars’ Enterprise Payments solutions offers
E-mail: brendan@pacnetservices.com
a complete spectrum of transaction processing
URL: www.pacnetservices.com
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 CONTENTS !
Exhibitors
card processing and a comprehensive suite of Secure Vault Payments™ 910 Software AG 907
risk management tools. www.profitstars.com 4600 South Syracuse St. 11700 Plaza America Dr, Suite 700
Contact: Jacqueline Scheider Denver, CO 80237 Reston, VA 20190
Phone: 877-827-7101 Secure Vault Payments™ is a new alternative Software AG is the global leader in Business
Fax: 877-827-7555 payment solution that allows consumers to shop Process Excellence. Our 40 years of innovation
E-mail: jscheider@profitstars.com or pay bills online without ever disclosing their include the first high-performance transactional
URL: www.profitstars.com private bank account information to anyone database in Adabas, the first business process
other than their trusted financial institution. To analysis platform in ARIS, and the first B2B
RDM Corporation 201 learn more about Secure Vault Payments, visit server and SOA-based integration platform in
608 Weber Street North, Unit 4
Waterloo, Ontario N2V 1K4 www.securevaultpayments.org webMethods. Our comprehensive software and
CANADA Contact: Richard Brierley-Jones services solutions enable companies to achieve
Phone: 720-224-3501 business results faster.
RDM Corporation (TSX:RC) is a leading
E-mail: Richard@ewisesystems.com Contact: Arlene Cenon-Pedrosa
developer of specialized software and manufac- URL: www.securevaultpayments.org Phone: 703-860-5050 or 877-724-4965
turer of digital imaging products for electronic
Fax: 703-391-6975
payment processing. RDM has pioneered elec-
E-mail: marketing@softwareag.com
tronic check conversion systems and web-based URL: www.softwareag.com
image and transaction management services for R
736
banks, retailers, payment processors and gov- 6522 Kaiser Drive SQN Banking Systems 832
ernment agencies. Come see what’s new! Fremont, CA 94555 65 Indel Ave/PO Box 423
Phone: 519-746-8483 BankON™—from Sierra Atlantic—is a seam- Rancocas, NJ 08073
Fax: 519-756-3317 less ERP-to-bank integration enabling automa- SQN Banking Systems provides fraud detection
URL: www.rdmcorp.com tion of payables, receivables and reconciliation and process improvement products for the
tasks. BankON™ dramatically reduces the financial industry. Our products include soft-
duration and cost of ERP-to-bank implementa- ware for exception item processing, image fraud
tions and yields significant benefits to both the detection tools, automated signature compari-
bank and its customers, including elimination son, signature verification and display, transac-
Regional Payments Associations 607
of manual tasks, streamlined processes and tion analysis and safe deposit operations
Regional Payments Associations provide ACH improved margins. management. Customers have improved their
information and resources to financial institu-
Contact: Pat Lowery earnings and reduced check fraud losses with
tions, corporations, e-commerce companies and Phone: 650-208-3347 SENTRY.
payments technology providers around the Fax: 510-742-4101
country. Each of the 18 Regional Payments Contact: Kim Cirillo
E-mail: pat.lowery@sierraatlantic.com
Phone: 609-261-5500x340
Associations stands as a separate organization URL: www.sierraatlantic.com
Fax: 609-265-9517
and as Direct Members of NACHA, we serve E-mail: kcirillo@sqnbankingsystems.com
the common cause of providing essential bene- SignatureLink, Inc. 337 URL: www.sqnbankingsystems.com
fits including ACH Rules guidance and opera- 605 Crescent Blvd, Suite 200
tional support, ongoing education and training, Ridgeland, MS 39157
audit services, marketing tools and guidance, SignatureLink provides a unique, 100% ESIGN 329
publication sales, and more. and UETA compliant, electronic signature 4600 Lakehurst Ct
solution suitable to eco-friendly and cost-con- Dublin, OH 43016
For more information, contact your Regional
scious companies. SignatureLink’s biometric Sterling Commerce, an AT&T Inc. (NYSE: T)
Payments Association.
electronic signature technology can help reduce company, helps companies optimize and trans-
URL: http://www.nacha.org/c/RegPayAssoc.cfm chargebacks, expedite electronic agreements form their Business Collaboration Network to
online, enable remote certification procedures, accelerate revenues and reduce costs. Sterling
RemoteDepositCapture.com 625 and allow mobile devices to serve as a Signature
12850 Highway 9, Suite 600 PMB 320 Commerce provides more than 30,000
Alpharetta, GA 30004 Pad! Go Paperless, Go Green, Go Signature- customers worldwide applications and integra-
Link. tion solutions to connect, communicate and
RemoteDepositCapture.com is the leading
Contact: Chito Collins collaborate inside and outside their enterprise.
independent information, products and services Phone: 800-511-2050 More information can found at
portal dedicated to the Remote Deposit Cap- E-mail: support@signaturelink.com www.sterlingcommerce.com.
ture and Payments industry. Over 40,000 visi- URL: www.signaturelink.com
tors/month gain access to news, research Contact: Jill Leffler
Phone: 614-793-7000
reports, service provider directories, RDC value
Fax: 614-734-5601
calculators, educational webinars, our commu- E-mail: jill.leffler@stercomm.com
nity forums and an unprecedented network of URL: www.stercomm.com
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

!
CONTENTS ! 59
Exhibitors
SunGard AvantGard 200 Sybase Financial Fusion 217 Systar, Inc. 216
600 Lanidex Plaza One Sybase Drive 8618 Westwood Center Dr, Suite 240
Parsippany, NJ 07054 Dublin, CA 94568 Vienna, VA 22182
SunGard’s AvantGard is a leading liquidity Sybase is the largest global enterprise software Systar’s Business Activity Monitoring solutions
management that provides chief financial offi- company exclusively focused on managing and provide real-time insight and operational
cers and treasurers with real-time visibility into mobilizing information from the data center to control to banks around the world, enabling
cash flows and increased operational controls the point of action. Sybase 365 mBanking pro- them to proactively identify and resolve process
around receivables, treasury and payments. vides enterprise-class messaging for secure and issues before business impact. Systar clients
AvantGard helps companies drive free cash direct mBanking, mCommerce and integrated increase customer value and reduce risk by
flow and reduce inefficiencies across the eBanking solutions, anytime, anywhere. Sybase improving operational performance in activities
EcoSystem of suppliers, buyers, banks and other Financial Fusion provides integrated solutions such as ACH, Image Exchange and Financial
trading partners. to more than 200 of the world's leading finan- Messaging.
Contact: Jennifer Cannell cial institutions. Contact: Bo O’Dea
Phone: 973-563-3635 Phone: 1-800-SYBASE5 or 925-235-5000 Phone: 703-556-8400
E-mail: jennifer.cannell@sungard.com Fax: 925-236-5050 E-mail: bo.odea@systar.com
URL: www.sungard.com/avantgard E-mail: info365@sybase.com URL: www.systar.com
URL: www.sybase.com/products/financialservices
SurePayroll 733 solutions The Bancorp Bank 825
2350 Ravine Way, Suite 100 409 Silverside Rd, Suite 105
Glenview, IL 60025 SYNCADA from Visa 316 Wilmington, DE 19809
As the online alternative to ADP® and 200 South 6th Street, Suite 2700 The Bancorp Bank is an FDIC-insured com-
Paychex®, SurePayroll is dedicated to providing Minneapolis, MN 55402 mercial bank that delivers a full array of finan-
a simple, convenient and accurate online pay- Syncada from Visa is a global financial supply cial services, directly and through private-label
roll service at a price small business owners can chain network which corporations and govern- affinity programs nationwide. Bancorp’s pay-
afford. For banking partners, SurePayroll pro- ments can use to process and monitor invoices, ments offering includes card issuing, card
vides private-label services that offer payroll make and receive payments around the world, acquiring, ACH, wire transfer services and cus-
processing to their small business clients; for and finance payables or receivables through tomized structures. The Bancorp maintains
more information, visit local and global financial institutions. Financial membership with networks including Visa,
http://www.surepayroll.com. institutions can utilize Syncada to deliver stan- MasterCard, Star, NYCE, Pulse and Discover.
Contact: Francesca Zelasko dardized invoice processing and payment with Contact: Matt Carberry
Phone: 877-954-7873 integrated invoice financing to their corporate Phone: 302-385-5036
E-mail: francesca@surepayroll.com and government clients. Fax: 302-791-5781
URL: www.surepayroll.com Contact: Syncada Representative E-mail: mcarberry@thebancorp.com
Phone: 800-404-2744 URL: www.thebancorp.com
URL: www.syncada.com
The Clearing House - CHIPS 409
223 Syniverse Technologies 913 115 Business Park Dr
7 Times Square 8125 Highwoods Palm Way Winston Salem, NC 27107
New York, NY 10036 Tampa, FL 33647-1776 CHIPS is a real-time, final payment system,
SWIFT is a member-owned cooperative Syniverse Technologies provides a robust suite processing approximately $2 trillion each day
through which the financial world enables its of messaging, roaming and network solutions to for financial institutions and their customers in
customers to automate and standardize finan- the global telecommunications industry. the U.S. and abroad. For over 38 years, CHIPS
cial transactions, thereby lowering costs, Through its Mobile Enterprise Services, Syni- has delivered outstanding performance by pro-
reducing operational risk and eliminating inef- verse offers financial institutions a secure, con- viding the efficiency and resiliency an institu-
ficiencies from operations. Over 8,800 banks, venient way to deliver account and transaction tion needs in a real-time funds transfer.
securities firms and corporations in over 209 details; alerts; and notifications via text messag- Contact: Hank Farrar
countries trust SWIFT to exchange millions of ing to facilitate mobile banking, payments and Phone: 336-769-5352
financial messages daily. remittances. www.syniverse.com Fax: 336-769-5355
Contact: Beatriz Buendia Contact: David Gillmore E-mail: hank.farrar@theclearinghouse.org
Phone: 212-455-1800 Phone: 813-637-5000 URL: www.chips.org
Fax: 212-455-1817 E-mail: david.gillmore@syniverse.com
E-mail: beatriz.buendia@swift.com URL: www.syniverse.com The Clearing House - EPN 409
URL: www.swift.com 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 CONTENTS !
Exhibitors
The Clearing House - SVPCO 409 U.S. Department of the Treasury, WAUSAU Financial Systems 725
115 Business Park Dr Financial Management Service 231 875 Indianhead Drive
Winston Salem, NC 27107 Liberty Center Building Mosinee, WI 54455
SVPCO Image Payments Network, operated by 401 14th Street, SW WAUSAU Financial Systems (WFS) is a
The Clearing House, can get your check images Room 304A premier provider of payment and receivables
Washington, DC 20227
securely exchanged with more speed, ease and processing solutions, helping businesses of all
less cost. Our Gateway DTA is a shared access The Financial Management Service, a bureau types move money faster. With its products,
point via the Internet that’s cost efficient for of the United States Department of the services and consulting, WFS works with
financial institutions of any size ramping up or Treasury, provides central payment services to customers to speed check processing, electronic
adding image exchange. Federal Program Agencies, operates the federal presentment, ACH payments, transaction
Contact: Hank Farrar government’s collections and deposit systems, processing, distributed capture and enterprise
Phone: 336-769-5352 provides government-wide accounting and content management.
Fax: 336-769-5355 reporting services, and manages the collection Phone: 715-359-0427
E-mail: hank.farrar@theclearinghouse.org of delinquent debt owed to the federal Fax: 715-241-2135
URL: www.svpco.com government. E-mail: jmangels@wausaufs.com
Contact: Fay Rurup URL: www.wausaufs.com
Think Computer Corporation 212 Phone: 510-594-7300
385 Sherman Ave Fax: 510-594-7341 Western Union Global
Palo Alto, CA 94306 E-mail: fay.rurup@fms.treas.gov Business Payments 701
Think’s FaceCash payment system is the mobile URL: www.fms.treas.gov 12500 E. Belford Ave
wallet you’ve been waiting for. With FaceCash Englewood CO, 80112
you can turn your iPhone, Android or Black- VASCO Data Security 836 Western Union® Global Business Payments
Berry smartphone into a debit card, saving time 1500 West Park Dr
offers comprehensive payment services designed
Westborough, MA 01581
and money for merchants and consumers alike. for both businesses and bill paying consumers.
Contact: Michael Anderson VASCO Data Security is the leading provider We are a market leader in walk-in and expe-
Phone: 415-670-9350 of strong authentication and e-signature solu- dited electronic payment solutions, and a lead-
Fax: 415-373-3959 tions to banks and financial institutions world- ing provider of cross-border payment services
E-mail: sales@thinkcomputer.com wide. VASCO’s newly introduced e-signature that help clients improve cash flow, reduce
URL: www.thinkcomputer.com solution is designed to help financial institu- costs and streamline processing.
tions combat real-time Man-in-the-Middle
ThreatMetrix 833 Contact: Doug Reynolds, Director Business
attacks to secure financial transactions and Development
5150 El Camino Real, D-30 ensure their authenticity. Phone: 760-480-8376
Los Altos, CA 94022
Contact: Victoria Abramson E-mail: doug.reynolds@westernunion.com
ThreatMetrix helps companies stop web fraud Phone: 508-366-3400 URL: http://payments.westernunion.com
and accelerate e-commerce. The ThreatMetrix Fax: 508-366-3440
Fraud Network helps online businesses verify E-mail: info-usa@vasco.com
new accounts, authorize payments and authen- URL: www.vasco.com
ticate user logins in real-time without relying 309
on personally identifiable information (PII). VSoft Corporation 803 3600 Bridge Parkway, Suite 200
ThreatMetrix profiles the device used in a web 6455 East Johns Crossing, Suite 450 Redwood City, CA 94065
Duluth, GA 30097 Yodlee is changing the face of online banking
transaction to determine whether the users are
fraudsters or customers. Established in 1996, VSoft Corporation is a with integrated PFM, payments and account
Contact: Tom Grubb global provider of technology solutions to the opening solutions that generate revenue, lower
Phone: 650-625-1451 banking marketplace. Used by over 1900 insti- costs, decrease risk/fraud, and deepen customer
Fax: 888-675-3451 tutions worldwide, VSoft’s solution set includes engagement, giving financial institutions a bet-
E-mail: tgrubb@threatmetrix.com distributed capture, image exchange, and ter choice. Yodlee powers innovative services
URL: www.threatmetrix.com archive. VSoft offers both item and core pro- for 41 of the top 50 financial institutions and
cessing solutions in a hosted environment 25+ million consumers.
US Dataworks 322 through its VSoft Managed Services division. Contact: Melanie Flanigan
1 Sugar Creek Center Blvd, 5th Floor Contact: Amy Garrett Phone: 650-980-3600
Sugar Land, TX 77478 Phone: 770-840-0097 Fax: 650-980-3602
US Dataworks is a leader in delivering enter- Fax: 770-840-0727 E-mail: mflanigan@yodlee.com
prise payments solutions to financial institu- E-mail: marketing@vsoftcorp.com URL: www.yodlee.com
tions, businesses and government entities. URL: www.vsoftcorp.com
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
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CONTENTS ! 61
AAP Continuing Education Credit
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

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62 CONTENTS !
CTP Continuing Education Credit

PAYMENTS 2009
PAYMENTS 2010

April 5-8,2009,
April 25-28, Orlando,
2010, Seattle, FL
WA

17

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CONTENTS ! 63
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 Navy Federal Credit Union
Bank of America PNC Bank
BB&T RBS – Citizens Bank
BMO Capital Markets Regions Bank
BNY Mellon SunTrust
Capital One Synovus Financial Corporation
Citibank N.A. TCF National Bank
Discover Financial Services, Inc. TD Bank
Fifth Third Bank The Bancorp Bank
Huntington National Bank U.S. Bank
J.P. Morgan Wells Fargo
KeyBank 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

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CONTENTS !
Regional Payments Associations

R
Alabama ACH Association
www.alacha.org
egional Payments Associations provide ACH
information and resources to financial EastPay, Inc.
institutions, corporations, e-commerce www.eastpay.org

companies, and payments technology providers around EPCOR


the country. Regional Payments Associations are located www.epcor.org
throughout the United States, Puerto Rico, Virgin GACHA
Islands, and Guam, and in most cases, are not-for-profit www.gacha.org
trade associations whose main membership includes MACHA – The Mid-Atlantic Payments Association
commercial banks, savings banks, credit unions, and www.macha.org
savings and loans. NEACH
www.neach.org
As Direct Members of NACHA, Regional Payments
Associations shape the ACH Network and the NACHA Northwest Clearing House Association
www.nwcha.org
Operating Rules by participating in the NACHA Rule
Making Process and voting on Rules ballots, and by SHAZAM, Inc.
www.shazam.net
participating in and leading NACHA Councils,
committees, and initiatives. Through membership in South Carolina ACH Association
www.socacha.org
Regional Payments Associations, banks and credit
unions contribute to the development and future of the Southern Financial Exchange
www.sfe.org
ACH Network.
SWACHA – The Electronic Payments Resource
While each of the 18 Regional Payments Association www.swacha.org
stands as a separate organization, all serve the common
Tennessee ACH Association
cause of providing essential benefits to their members. www.tacha.org
These benefits include NACHA Operating Rules
The Clearing House Payments Association
guidance and operational support, ongoing education www.epaynetwork.com
and training, audit services, marketing tools and
guidance, publication sales, and more. Regional The Payments Authority, Inc.
www.thepaymentsauthority.org
Payments Associations also act as advocates of the
ACH Network to local and state government. Upper Midwest ACH Association
www.umacha.org

Viewpointe Clearing, Settlement & Association


For more information, visit www.nacha.org or Services, LLC
contact us via e-mail at info@nacha.org. www.viewpointe.com

WACHA – The Premier Payments Resource


NACHA – The Electronic Payments Association www.wacha.org
13450 Sunrise Valley Drive, Suite 100 • Herndon, VA 20171 Western Payments Alliance
Phone: 703-561-1100 • Fax: 703-787-0996 • www.nacha.org www.wespay.org

!
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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

What is The Payments Institute? Superior Learning at an Outstanding Value!


The Payments Institute is an intensive five-day curriculum aimed The Payments Institute is a superior learning experience and an
at helping you achieve a higher understanding of the payments outstanding investment value. Students are introduced to key
system. It is not a conference. The Payments Institute is a gradu- concepts in all aspects of the payments cycle – from ACH to
ate program-style learning experience that provides unparalleled cards and checks to risk mitigation – all in a fun, interactive
education on the payments industry’s most important topics. learning environment.

Why Attend? Take a look at just some of what your registration fee covers.

Now more than ever, it’s time to invest in your career and your • A single hotel room for four nights (Sunday night through
future as a payments system professional. Wednesday night).

• Advance your learning. Gain personalized knowledge of your • Meals and special events (beginning with a Sunday reception
company’s mission-critical payments topics. and ending with Thursday lunch).

• Custom-design your education experience with fundamental • Five days of instruction and labs.
and advanced tracks within specialized Fields of Study. • New curriculum.
• Participate in networking events that lead to career-long • Resource materials to take back to the workplace.
business relationships.
• Complimentary introductory course for aspiring AAPs.
• Return to work with the knowledge and tools to help you more
effectively mitigate risk, remain in compliance, deploy innova- • Two new tracks and four Fields of Study to choose from.
tive solutions, and add to your company's bottom line. • Access to industry experts.
• Learn from and network with payments industry leaders. • Expert advice on how to study for the AAP exam.
• Respond to real-world payments scenarios in Interactive • Daily newsletter.
Learning Labs.
• And much more!
• 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.

For more information, visit www.nacha.org


or contact us via e-mail at info@nacha.org

!
CONTENTS !
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
Why Attend?
As an experienced payments professional, you want to expand
your international payments offerings to grow and enhance
ways to grow your international program offerings, exploring your bottom line. The Institute of International Payments (IIP)
international ACH, worker remittances, online payments, provides the materials and analysis needed to make necessary
mobile services, and international trade financial services. strategic decisions in the global payments business.
The curriculum includes an in-depth review of:
• Gain advanced knowledge of international payments in a
• International risk issues comprehensive, targeted curriculum.
• Global regulatory considerations • Hear from and network with senior level industry thought
• International trade financial services leaders in global payments solutions.

• International ACH • Become more cognizant of the role international payments


can play in business structures.
• The role of foreign exchange and currency
• Apply the knowledge you receive to expand business
• Global offering marketing opportunities and techniques 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.

July 19-20, 2010


Emory Conference Center Hotel
Atlanta, GA

HOSTED BY
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
!
CONTENTS !
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.

Future Teleseminar/Webinar Events: Upcoming Teleseminar/Webinar Events:


July 14, 2010 Cyber Attack Against Payment Processes (CAPP)
Mobile ACH Payments Exercise: Results Analysis & Recommendations (Webinar)
May 12, 2010
August 11, 2010
1:30 p.m. – 3:00 p.m. Eastern Time
Extend Return Timeframe for Adjustment Entries
The Financial Services Information Sharing and Analysis
September 8, 2010 Center (FS-ISAC) and NACHA, in conjunction with a vari-
ety of industry partners conducted a voluntary three-day
Rules Simplification
cyber attack exercise on February 9 - 11, 2010. The purpose
October 13, 2010 of the exercise was to test members’ response procedures in
relation to various simulated cyber attacks against processors.
Remotely Created Checks
November 10, 2010 NACHA Operating Rules: Tools for Simplifying Rules
Treasury Regulation Impact on RDFIs Simplification (Teleseminar) (Pending Membership Approval)
June 9, 2010
December 8, 2010 1:30 p.m. – 3:00 p.m. Eastern Time
IAT Enhancements The Rules Simplification initiative and the impact it will have
on the 2011 NACHA Operating Rules means it will have a
Visit www.nacha.org for more information on these whole new look but the meaning will remain the same.
upcoming Teleseminar/Webinar events!
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.

Need more information?


Call 800-487-9180 or
email info@nacha.org

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
!
CONTENTS !
CALL FOR PRESENTATIONS
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

R K
2011 but you will also find many networking
opportunities and special events. PAYMENTS 2011
offers seven extensive track offerings.
M A
PAYMENTS 2011 TRACKS:
YO U R
Automated Clearing House (ACH)

N D A R !
Card Solutions
Check Electronification
CAL E
Corporate Payments Solutions
Global Focus
Risk & Compliance
For more information, visit
The Payments Biz
www.nacha.org/conferences
or email

info@nacha.org.

Hosted by:

!
CONTENTS !
PAYMENTS 2011 CALL FOR PRESENTATIONS
PAYMENTS 2011, the premier payments indus- Fundamental sessions require little or no previous How To Significantly Improve Your
knowledge of the topic material by attendees and
try conference, will offer the most comprehensive, in-
should emphasize the definition of terms and descrip-
Chances Of Acceptance
depth, and timely information on the issues, trends,
tion of key concepts. These sessions take the "who, The PAYMENTS 2011 Conference Planning Com-
developments, challenges, and opportunities con-
what, when, where, why and how" approach. mittee will work from an extremely selective set of
fronting payment system stakeholders. NACHA
guidelines for reviewing and rating this year's session
strives to deliver the most value-rich program possible, Intermediate sessions require a basic knowledge and
proposals. To ensure your proposal ends up at the top of
featuring expert speakers representing organizations on some experience in the topic area by the attendees. Brief
the "accept" pile, please take a few moments to ask:
the leading edge of progress and critical thinking. You emphasis on terms is recommended. The focus should be
will not want to miss this exciting opportunity to pres- on the practical use of the topic and the user benefits, ORIGINALITY - Is my focus on information that is
ent your organization as a major presence in the elec- and should include detailed examples. Some evaluation not easily accessible elsewhere? Are the concepts being
tronic payments field. of alternative methods would be appropriate. presented new or emerging thoughts?

Advanced sessions require a working knowledge and COMPELLING CONTENT - Am I offering a


How To Submit Session Proposals considerable experience in the topic area by attendees salient message, thought-provoking concept, or a con-
Visit, http://payments.nacha.org/cms/index.cfm?action and may further require basic or working knowledge in troversial issues has great appeal to attendees.
=articles.preview&ArticleID=68. If you are unable to one or more related areas outside the specific topic. CO-PRESENTER RECRUITMENT - Am I able to
submit your session proposal online, please submit via Examples and calculations may be fairly complex and bring a customer/end-user or un-biased industry expert
email to conferences@nacha.org. If you submit by only new technical terminology should be specifically as a co-presenter?
email, please be sure to include all required informa- defined. These proposals should be strategic in scope EDUCATIONAL VALUE PROPOSITION - Is my
tion as requested on the online form, and enter and focus on emerging trends or products session title clear and specific? Am I able to relate tan-
“PAYMENTS 2011 PROPOSAL” in the subject line.
gible benefits to specific market stakeholders and seg-
Conference Track Designations
What You Gain As A Conference Concurrent sessions are assigned to one of seven pro-
ments?
Speaker gram track designations. The track designations for
DIRECT, BOTTOM-LINE IMPLICATIONS -
• Recognition of being associated with the premiere Can business relevance, ROI, metrics, and results be
PAYMENTS 2011 are as follows:
payments industry event measured?
• Automated Clearing House (ACH)
• Visibility and credibility within the industry for you USE CLEAR, CONCISE LANGUAGE - Are the
• Card Solutions focus and relevance of the proposal clear? Is the value
and your organization
• Check Electronification of the proposal readily understood?
• A complimentary full conference registration
• Corporate Payments Solutions AVOID SALES PITCHES - Have I ensured that I
• Excellent networking opportunities
• Global Focus am not conveying commercial pitches for particular
Presentation Formats • Risk & Compliance
companies, products, or services?

CONCURRENT SESSIONS - Typically 60 minutes CASE STUDIES - Am I able to provide real-life


• The Payments Biz
in length; a limited number of sessions may be 75 min- examples? Sessions involving case studies are typically
Submitters must designate the appropriate track when the best attended, and receive the highest evaluation
utes in length. Concurrent sessions allow speakers to
submitting session proposals. For a full description of scores. People want to hear lessons learned and insights
present information on a wide variety of topics. Atten-
the conference program tracks please visit, http://pay- from their peers.
dees are particularly interested in case studies and orig-
ments.nacha.org/c/ProgramRoadmap.cfm.
inal research results. Proposals should offer tangible TAKE-AWAY VALUE - Am I able to offer a concrete
value to the audience including customer perspectives, Review Procedures technique, tool, practice or information that attendees
lessons learned, best practices, and performance met- can take back to their organizations?
Proposals submitted for PAYMENTS 2011 are
rics. Financial institution and vendor/service provider
submissions are expected to include an end-user/cus-
reviewed by the Conference Planning Committee, Deadline
which is comprised of payments professionals from
tomer or an unbiased, industry expert as co-presenter. Proposals MUST be received at the NACHA office by
across the industry, selected for their experience, areas
PRE-CONFERENCE WORKSHOPS - 120 minutes the close of business on Friday, August 13, 2010.
of expertise, and organizational perspectives. The Con-
in length; pre-conference workshops are offered on
Sunday on a variety of electronic payments and eCom-
ference Planning Committee members review and cri- Review Period
tique session proposals according to specific criteria,
merce related subjects. These two hour workshops Proposals will be reviewed by the PAYMENTS 2010
including:
allow the speaker to reach a limited audience using a Conference Planning Committee in late August 2009.
• Relevance to the electronic payments industry;
variety of interactive training techniques. Speakers are
expected to provide meaningful, take-away value to • Originality of material;
Notification To Presenters
the audience, such as checklists, resource papers, or Submitters will be notified by October 29, 2010 about
• Overall perceived quality of session content;
other tools. the status of their proposals. NACHA reserves the
• Timeliness of topic; right to grant or refuse, at its sole discretion, speaking
Level Of Presentations • A well-defined focus; opportunities to any submitter. Compliance with
The level of presentation is identified by the submit- • Completeness of presentation proposal; NACHA's Code of Conduct, available online at
ter(s) and is based on expected audience experience http://www.nacha.org/code_of_conduct.htm, is a con-
• Appropriate inclusion of customer/end-user or unbi-
and knowledge. Session attendees evaluate the presen- dition of presenting at PAYMENTS 2011.
ased, industry expert co-presenter;
tation by the appropriateness of the level and the abil-
ity of the speakers to meet the described objectives. It
• Perceived take-away value for attendees; Questions?
is very important to accurately identify the level of • Speaking experience of presenters; Please call 703-561-1100 or email Stephanie Prebish at
your proposal. The Conference Planning Committee sprebish@nacha.org, Denise Foli at dfoli@nacha.org or
• Participant evaluations of presenter at previous
reserves the right to modify the level and will instruct Bill Sullivan at bsullivan@nacha.org
NACHA events, if applicable;
submitters accordingly so that they may meet audience
• Uniqueness of subject matter
expectations.
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CONTENTS !
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CONTENTS !
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

!
CONTENTS

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