Payments Conference
2024
dining with strangers – register now!
EPCOR's Paymentspalooza
This isn’t just any conference, it’s Paymentspalooza – the ultimate fusion of payments professionals, industry experts and innovative solution providers! Get ready to dive into a mosh pit of groundbreaking ideas as industry leaders take the stage to share insights on important topics impacting the payments industry. This is the event to engage in back-stage-level networking and jam out with multiple education tracks headlining recent and upcoming advancements in payments.
Earn up to 15.3 AAP/APRP credits and 2.4 NCP credit are available to conference attendees. Gain an additional 3.3 AAP/APRP credits by attending the preconference workshop.
April 16 – 18
Spring 2024
EventSpeakers
EventSessions
Days ofLearning
Can’t make it to Columbus? Check out these Paymentspalooza opportunities.
Payments Extravaganza
Connect with industry experts, your peers and fresh ideas - all in Columbus!
Industry
Leaders
Industry leaders take the stage to share insights on payments industry challenges and initiatives.
Event Line-up
Jam out with platinum key-notes, information-packed education tracks and back-stage-level networking. Enhance your experience by adding our pre-conference workshop 'opener'.
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9:00 AM
Preconference Workshop
SOLD OUT! - Navigating Reg E
Sharon Hallmark, AAP, EPCOR
Understanding Regulation E and how to apply it within the different payment systems can be challenging. Join us at the pre-conference workshop where we will discuss how Regulation E affects ACH and debit card payment systems and evaluate some best practices. Together, we will walk through scenarios to test your knowledge in applying Regulation E to different situations that arise in your day-to-day operations.
*Separate registration is required and space is limited. Register early as session will likely sell out.
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1:00 PM
Opening Comments
Emcee: Jeff Rendel, Rising Above Enterprises; Paula Barrington, Bank of Oklahoma, Tristan Thompson, Arvest Bank
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1:15 PM
General Session
A Chat with the Regulators
Moderator: Jeff Rendel, Rising Above Enterprises;
Roger Nettie, NCUA; Jeffrey Pettine, NBE, APRP, OCC; Kevin Dauer, FDICBanks and Credit Unions are often wondering what is on the horizon with new and changing regulations. This panel of regulators will provide an update on the latest regulatory trends and will provide an opportunity for the audience to engage in the conversation.
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2:30 PM
Breakout Session
Developing an Effective Partnership With Fintechs
Beth Cronenweth, CCM, AAP, UMB; Kristin Sposato, Bottomline Technologies
Financial institutions have a lot to gain from teaming up with fintechs, but the relationships can be tricky. This session will focus on how financial institutions and fintechs can set up, implement and maintain an effective relationship. Representatives from banks and a fintech will discuss the due diligence, risk tolerance, and overall relationship management.
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2:30 PM
Breakout Session
Third-Party Sender Origination: How to Incorporate a Third-Party Sender Into your ACH Risk Management Program
Matthew Wade, CPA, AAP, APRP EPCOR
Adding a Third-Party Sender to your ACH Origination Portfolio can be a lucrative endeavor for an ODFI. But it also increases your overall payment system risk. How do you reap the benefits of Third-Party Sender relationship while effectively managing the increased risk? Join us in this discussion on how ODFIs can build a strong Third-Party Sender ACH Risk Management Program. And if you are a Third-Party Sender, come get a better understanding of the ACH Rule obligations placed on ODFIs by Nacha to effectively manage Third-Party Relationships.
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2:30 PM
Breakout Session
ACH Rules Update
Trevor Witchey, AAP, NCP, EPCOR
In response to various credit push fraud schemes, Nacha has been proposing new ACH rule changes to help ODFI and RDFI participants to reduce this type of fraud. Join us for a session discussing such ACH rule changes involving ODFI and RDFI fraud monitoring, reversals, returns and funds availability timing along with other rule changes such as timeframes surrounding the Written Statement of Unauthorized Debit (WSUD).
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2:30 PM
Breakout Session
Implementing Faster Payments From an FI’s Perspective
Tracy Downs, Corporate One Federal Credit Union; Sonja Delaney, Directions Credit Union
As the momentum behind real-time payments continues to skyrocket, it’s time to learn how your credit union can take advantage of the opportunities offered by this payment method. It all starts with getting connected to one or both of the new immediate payment rails—RTP® network and/or the FedNow® Service.
Join us to hear how one credit union connected to the RTP® network using Corporate One as its Third-Party Service Provider (TPSP). During our session, we will chat with a financial institution about the implementation process and lessons learned along with how they see immediate payments being used. Also hear about lessons learned from those that are implementing FedNow®. -
3:45 PM
General Session
A Look Into the Financial Exploitation of the Elderly With the Secret Service
Senior Special Agent Michael Fields, USSS
This session will cover common scams being used to currently to target our senior population such as Government Impersonation, Robocall, Identity Theft, Sweepstakes and Lottery Scams, Computer Tech Support, Romance, Investment and Ponzi Schemes. Recommended advisements for the victims (do’s and don’ts) will also be covered.
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4:45 PM
Gala Reception
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8:00 AM
General Session
The Morning Payments Show
Moderator: Jeff Rendel; Special Guests: Elena Whisler, The Clearing House; Joni Hopkins, AAP, Federal Reserve Banks; Jane Larimer, Nacha
Get your coffee ready and start your day off with all the news and information you need to successfully navigate the ever-changing world of electronic payments. Join Jeff Rendel as he engages in candid conversation, diving into the many nuances of the electronic payment’s world, exploring everything from fraud and compliance to trends and new developments.
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9:15 AM
Breakout Session
Modernizing B2B Payments with the Instant Payment Rails
Dean Jenkins, Q2
The RTP® and FedNow networks are often referred to as real-time or instant payment rails. However, the real power of these for B2B payments is the rich messaging available to solve decades-old pain points for businesses around payments and the associated remittance information. Explore with us how these messages help create efficiencies for sending and receiving payments and streamlining and automating accounts receivable/payable processing. Attendees will learn more about the various messages provided for with the instant payment rails and the benefits received by corporate customers.
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9:15 AM
Breakout Session
The Transition to Cannabis Banking
Alicia Wade & Melissa Turner, Valliance Bank
Learn about a bank’s transition into cannabis banking. Find out how they prepared their institution and compliance team for this significant shift, leveraged community and regulatory relationships and how the bank continues to face ongoing complexities in this evolving industry.
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9:15 AM
Breakout Session
Preparing for ISO 20022
Joni Hopkins, AAP, Federal Reserve Banks
You may have heard about ISO 20022, but do you know how to apply the language to instant payments? Let’s take a look at how to apply this old standard to new payments systems such as FedNow® and RTP® as speaking the ISO 20022 language is one of the keys to faster payments success! Together we’ll cover ISO 20022 basics including five message business areas, common messages, benefits of ISO 20022 messages in payments and more. Then, we will walk through scenarios to see if you are able to identify the most common ISO 20022 messages.
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9:15 AM
Breakout Session
RTP Update
Elena Whisler, The Clearing House
This session highlights the latest RTP network growth in transaction volume, dollar value and number of financial institutions and processors—both on board and in the pipeline. It also covers the time it takes from connecting to the network to receiving transactions. (Spoiler alert—it is fast). Finally, learn from stories on innovative use cases that are driving the adoption of real-time payments at a faster pace than ever before, showcasing ways RTP provides tremendous utility and value for all financial institutions, their clients and customers.
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10:25 AM
Breakout Session
Decoding Reg E and Debit Card Disputes
Diana Kern, AAP, SHAZAM
Regulation E is a straightforward concept, yet the language can be complicated. Applying the regulation to each situation many times falls in a gray area. We’ll cut to the chase and discuss best practices for resolving errors and simplify the ways to determine liability. This session will cover actions you might take to investigate, why “unauthorized” is more complicated than you think, managing claims outside of the reg’s stated timeframe and when it’s okay to contradict the consumer’s claim.
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10:25 AM
Breakout Session
Identity Theft, Synthetic Identity and Scams: Mitigation Techniques for your Organization
Peter Tapling, APRP, Ptap Advisory
Much has been said about the challenges posed by identity theft, synthetic identities and scams. But what can we DO about it? This session will make sure everyone understands these threats and provide some actionable guidance to bring back to your organization as you look to protect your customers and members.
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10:25 AM
Breakout Session
Pulling the Curtain Back – How to Prepare for the Impact of the Corporate Transparency Act
Matt Luzzader & Jeff Hunter, Kelley Drye & Warren LLP
On January 1, 2024, the Corporate Transparency Act (the “CTA”) came into effect for reporting companies formed after that date, with reporting for existing companies taking effect on January 1, 2025. The CTA database promises to the government’s most impactful investigative tool since Suspicious Activity Reports. The “beneficial ownership information” (“BOI”) contained in the CTA database will be used by law enforcement and regulators to combat money laundering and terrorist financing. The database may also be used by financial institutions under certain circumstances. This session will discuss how the CTA registry will be used, the companies that must report, exemptions from reporting and who is a beneficial owner and control person. We will review how the CTA overlaps or aligns with FinCEN’s existing Customer Due Diligence (CDD) Rule applicable to financial institutions. We will discuss the regulations implementing the CTA and the industry’s reactions to FinCEN’s rulemaking. Attendees will engage in progressive exercises to build their CTA knowledge and we will discuss practical tips on how prepare their compliance programs to account for the CTA.
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10:25 AM
Breakout Session
RTP Update
Elena Whisler, The Clearing House
This session highlights the latest RTP network growth in transaction volume, dollar value and number of financial institutions and processors—both on board and in the pipeline. It also covers the time it takes from connecting to the network to receiving transactions. (Spoiler alert—it is fast). Finally, learn from stories on innovative use cases that are driving the adoption of real-time payments at a faster pace than ever before, showcasing ways RTP provides tremendous utility and value for all financial institutions, their clients and customers.
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11:35 AM
Vendor Showcases
Affirmative Technologies; Nacha, The Clearing House; Magic Wrighter;
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12:00 PM
Lunch & Special Session
ACH State of the Union 2024
Jane Larimer, President & CEO, Nacha
As the backbone of the payments system, the ACH Network has experienced unprecedented growth and evolution in recent years, driven by innovation and industry demand. With record-breaking payments volume and value last year, the ACH Network continues to work and grow. Same Day ACH is stronger than ever, as the $1 million per-payment limit makes it an even more attractive option. Join us to learn about the most common and the fastest-growing ACH use cases. We’ll also look at Nacha’s new Risk Management Framework and what your institution can do to reduce the incidence of successful fraud and improve the recovery of funds within the ACH Network.
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1:25 PM
Breakout Session
Pay By Bank – Benefits and Considerations
Brian Dao, AAP, EPCOR
What is pay by bank and why is it gaining in popularity in the US? Find out this and more in this session. Learn how this new payment method works, it's impact on Fis and what the future might hold regarding its use by businesses and consumers.
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1:25 PM
Breakout Session
Are We in a Check Fraud Crisis?
David Rathke, FIS Global
Various sources have identified that check fraud is on the rise at financial institutions of all sizes. This session will focus on opportunities and tools to identify fraudulent on-us items as well as fraudulent deposited items before your organization or your customer suffers a loss.
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1:25 PM
Breakout Session
Hot Topics in Payments Law and Regulation for 2024 and Beyond
Matt Luzzader & Jeff Hunter, Kelley Drye & Warren LLP
Emerging issues such as the credit card competition, open banking, consumer protection and artificial intelligence promise to remain in the 2024 headlines. In this rapidly evolving environment, it is important for financial institutions, payment processors and other industry participants to understand how their businesses should meet law enforcement and regulatory expectations. But tracking these issues can be daunting. This rapid-fire session will give gives attendees an overview of the hot legal and regulatory issues. We will examine both recent compliance updates, such as the FTC’s Safeguards Rule and the new data breach notification requirements and pending legislation and rulemaking, such as CFPB’s proposed rule on personal financial data rights under Dodd-Frank Act Section 1033, which is expected to be finalized in the fall of 2024. Attendees will test their knowledge in real-time and build their understanding of the current legal and regulatory environment.
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1:25 PM
Breakout Session
FedNow Unveiled: Post Launch Insights and Strategic Lessons
Kara Ford, Federal Reserve Financial Services
Join a representative from Federal Reserve Financial Services for an insightful breakout session that explores the current landscape of the FedNow® service. You’ll have the opportunity to hear first-hand about the state of the Service, discuss the learnings from early adopters and share practical insights that can guide your organization in your instant payment journey.
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2:35 PM
Breakout Session
Our Love/Hate Relationship with Third Party Payment Apps
Diana Kern, AAP, SHAZAM
Consumers love them and there’s a good chance you’ve used one yourself. But in your role as the card issuer, the unauthorized claims related to them are a source of frustration that was intensified by the 2020 spike in volume. Join me to analyze recent P2P payments volume and fraud rates, plus the interchange revenue they generated. We’ll also dig into the unauthorized claims volume and cover best practices for error resolution and staying compliant with Reg E.
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2:35 PM
Breakout Session
Checks: Understanding Your Rights and Limiting Fraud Losses
Marcy Cauthon, AAP, APRP, NCP, EPCOR
As check fraud continues to rise, has your financial institution losses seen a rise as well? Well, you’re not alone. Checks continue to be an easy avenue to commit fraud with easy access to authentic looking check stock and sophisticated printers. Join this session to discover what warranty or liability your institution holds depending on what side of the fraudulent check you are on. Come prepared to collaborate together on what can be done to mitigate these losses.
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2:35 PM
Breakout Session
FedNow Unveiled: Post Launch Insights and Strategic Lessons
Kara Ford, Federal Reserve Banks
Join a representative from Federal Reserve Financial Services for an insightful breakout session that explores the current landscape of the FedNow service. You’ll have the opportunity to hear first-hand about the state of the Service, discuss the learnings from early adopters and share practical insights that can guide your organization in your instant payment journey.
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2:35 PM
Breakout Session
Data Management for Banking: How to Manage and Monetize Data
Brian Dao, AAP, EPCOR
Data is the new oil and banks have a lot of it. But how can they manage it effectively and leverage it to create value for their customers and stakeholders? In this session, we will explore the challenges and opportunities of data management for banking, such as data quality, governance, security, privacy and analytics. We will also discuss how banks can use data to improve their operational efficiency, reduce costs, optimize processes and generate new revenue streams. Join us for this informative and interactive session and discover how data can be your bank’s most valuable asset.
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4:00 PM
General Session
You’re Enough! A Self-C.A.R.E. Strategy to Transform Stress Into Success
Darryll Stinson
According to The World Health Organization anxiety and depression cost the global workforce $1,000,000,000,000 (one trillion U.S. dollars) per year in lost productivity! In addition, more than 50% of U.S. workers are not engaged at work as a result of stress. This presentation examines the causes of these mental health challenges and outlines a strategy that all attendees can use to decrease stress, reverse burnout and increase productivity. Throughout this experience, participants will: Learn how to develop a system of self-care that supports their desired level of success using Darryll’s proven C.A.R.E. framework. Rewire limiting beliefs to optimize their performance and productivity. Reframe mental health stigmas to take pride in their wellness (vs. feel shame). Learn how to be consistent and patient with themselves in their growth process.
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8:00 AM
General Session
Perspectives on the Latest Payments Topics Making Headlines
Peter Tapling, APRP, PTap Advisory, LLC; Tristan Thompson, Arvest Bank; Scott Jones, Adams and Reese LLP; Todd Koehn, Bankers' Bank
The payments landscape is constantly changing and evolving making it tough to know what's making headlines. Join industry experts and hear different perspectives about the latest payments topics making the news.
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8:45 AM
General Session
Generate This - AI and Payments
Peter Tapling, APRP, PTap Advisory, LLC
Generative AI, with ChatGPT leading the way, certainly grabbed a lot of headlines in 2023. What does generative artificial intelligence mean to banking and payments? Gain an understanding of artificial intelligence and insights into AI’s positive contributions to seamless transactions, fraud detection and personalized experiences. Alongside its benefits, we’ll candidly discuss AI’s potential downsides, such as data security vulnerabilities, algorithmic biases and the risk of malicious misuse. All with the goal of making you more comfortable in those conversations when the topic of AI comes up!
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9:45 AM
Breakout Session
Foreign Exchange 101: Basics, Risks and Benefits
Andrew Voigt, Associated Bank & Chris Hannis, Bannockburn Global Forex
Foreign exchange, or forex, is the global market where currencies are traded. In this session, you will learn the basics of how the forex market works, what are the main types of foreign exchange risk and how to hedge against them. You will also discover the benefits of forex trading, such as liquidity, diversification and profit potential.
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9:45 AM
Breakout Session
Funds Transfer Case Update: A Review of Recent Legal Cases Pertaining to Wire Transfers and ACH Origination
Scott Jones, Adams and Reese LLP
This Session provides an overview of Article 4A of the Uniform Commercial Code (UCC) and reviews recent cases analyzing funds transfer issues and fraud. This session will answer questions like: (a) Who bears the risk of a fraudulent or unauthorized funds transfers arising from a business email compromise, stolen user credentials and/or employee/business partner theft? (b) What is a “commercially reasonable” security procedure and what does "commercially reasonable" really mean? (c) How do you stay know what is an acceptable (and unacceptable) method for user authentication and the verification of a funds transfer in an ever-changing technological landscape?
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9:45 AM
Breakout Session
Fighting Debit Card/ATM Fraud Events
Trevor Witchey, AAP, NCP, EPCOR
With thousands of account holders at your financial institution who each have Debit Cards, there are many opportunities for fraudsters to scheme, steal cards or data and infiltrate card reading or ATM devices. During this session, we’ll discuss various card-related fraud scenarios, troubleshooting with Card Network rules and mitigation techniques to reduce the incident of Debit Card/ATM fraud. In addition, we’ll discuss ways to help improve your cardholder awareness of fraud events and how they can protect themselves and their cards from risk.
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9:45 AM
Breakout Session
Cracking Open Instant Payments Use Cases
Sharon Hallmark, AAP, EPCOR; Beny Bansi, Orum; Christine Mayes, Corporate One FCU; Jeannie Fye, CSEFCU; Beth Cronenweth, UMB
Take this opportunity to talk with financial institutions and service providers that have implemented RTP and FedNow and emerge with information that will help your organization in your instant payments journey. This session will cover everything from the decision to implement instant payments, onboarding, fraud mitigation and more.
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11:00 AM
General Session
Developing a Plan to Implement Your New Ideas
Jeff Rendel
Attending a conference is always exciting and inspiring. Speakers share tons of ideas and attendees often finish the day feeling ready to try many new things.
Still, it can be overwhelming to organize and act upon a massive list of takeaways when you return to the office. This closing session will provide a recap of the conference and help you develop a solid plan to implement these ideas and extend your learning experience. -
11:45 AM
Prize Drawing/Conference Adjourns
Paymentspalooza Registration
Unleash your learning experience with an extraordinary lineup. Get ready for an extravaganza that will captivate your curiosity.
Event
Tips
There’s plenty do in Columbus, Ohio!
Visit Experience Columbus for area information including dining and entertainment options.
For an even broader experience, visit Discover Ohio.
- Reserve your hotel as soon as possible to ensure you receive the negotiated discounted room rates. Make other travel arrangements as appropriate. Visitor bureau and hotel information is available in the links above so that you can plan your stay.
- Plan your Conference experience ahead of time by reviewing the event agenda. Plan to arrive early to your desired sessions to ensure that you get first choice seating.
- Watch your inbox for a reminder email prior to the Conference which will include a link to session handouts. Paper handouts will not be provided at the Conference. If you have not received this email two business days prior to the Conference kick off contact Member Support for assistance.
- Meals and the Reception will take place in the exhibit hall. Refreshment breaks will be served in the exhibit hall or in the hallway directly outside the exhibit hall. If you have dietary restrictions or special requests please notify us prior to your arrival.
- Bring extra business cards. Connect with session speakers and fellow attendees during the sessions. EPCOR Payments Conference offers vast networking opportunities. Make plans to attend the networking reception.
- Business casual attire is appropriate, so please make yourself comfortable. Remember that the room temperatures may be difficult to regulate; we recommend that you bring a sweater or jacket for ideal comfort.
- Arrive with plenty of time on the first day to pick up your Conference badge.
- Familiarize yourself with the hotel and the meeting layout.
- Explore the vibrant exhibit hall before the conference and during breaks. Be sure to stop by the EPCOR booth to say hello and learn more about the benefits of EPCOR membership.
- To stay on top of all the latest Conference news, be sure to follow EPCORPYMNTSNEWS on Twitter and use #EPCORPayments2024 when tweeting about the Conference.
- Follow up with your new contacts. Send an email or private message via the EPCOR Knowledge Community to those you’ve networked to say "It was nice meeting you."
- Utilize the EPCOR Knowledge Community to keep the discussion going and with to follow up on any questions, ideas or topics that spiked your interest during the Conference.
- Please complete the post-conference survey. Just a few minutes goes a long way in improving EPCOR Payments Conferences for yourself and other future attendees.
- Submit a proposal to speak at the next year’s EPCOR Payments Conference.
- Watch your inbox with a follow up email and print your Certificate of Attendance to keep for your record. Calculate and record your total credits toward AAP/APRP, CTP/CCM or NCP continuing education.