Networking

Breakfast

General Session

Beyond the Numbers: Fraud Awareness and the Real Cost of Financial Crime

Shane Ensminger

Fraud is more than a financial loss—it impacts consumers’ confidence and financial institutions’ ability to operate securely. Let’s increase awareness by examining the cost of fraud to institutions and their clients, exploring how organized criminal activity creates complex, evolving threats for financial institutions.

Breakout Session

Quantum-Safe: Protecting Payments in the Quantum Era

Peter Tapling, PTap Advisory

As the quantum era approaches, leaders in the payments industry must future-proof payment systems and protect financial operations. Hear insights from the technology and financial services sectors that draw from a leading quantum payments project team's whitepaper to explore quantum and guide institutions toward quantum-safe status.

Breakout Session

Inside the 2025 U.S. Instant Payments Adoption Study

Reed Luhtanen, Faster Payments Counsel; Brian Mantel, Federal Reserve Financial Services

The 2025 U.S. Instant Payments Adoption Quantitative Study, a collaboration between the Faster Payments Council and Federal Reserve Financial Services, provides an in-depth look at how instant payments are developing across the industry and reflects input from third-party enablers that collectively serve more than 90% of U.S. financial institutions. This session will focus on use cases that are creating the greatest value for financial institutions, as well as the specific areas where consumer demand is accelerating adoption. Speakers will also explore the technological solutions that are beginning to streamline implementation and make instant payments more accessible, efficient and beneficial for both financial institutions and their clients. We’ll also cover factors expected to influence growth through 2028 and highlight opportunities for the industry to continue advancing faster and more reliable payment options. 

Breakout Session

Get Your Originators Compliant—and Keep Them That Way

Debbie Barr, AAP, AFPP, CTP, Nacha

ODFIs are responsible for their Originators’ compliance with the ACH Rules, but you probably struggle with knowing how to get information about new Rules to your Originators and ensure they follow them. Attendees will learn about ways Nacha can assist with communicating the information and tools to help understand the new Rules, as well as hints and tips ODFIs can use to get their Originators compliant and keep them that way. This interactive session will also include an ODFI and/or Originator who will share how they learn about and prepare for new Rules.

Breakout Session

Inside the Fraud Factory: How Real-Time Payments Are Rewriting the Rules of Risk

Jane Hennessy, Finzly; Colin Parsons, Nasdaq Verafin

Fraud has evolved faster than most fraud teams. As real-time payments and embedded finance reshape the ecosystem, bad actors are scaling with AI, automation and social engineering that outpace legacy defenses. This session peels back the curtain on how modern fraud operations work and how leading financial institutions are combating them in real-time. You’ll see live case studies of instant-payment fraud patterns, learn how data intelligence and behavioral analytics can expose synthetic identities and discover new collaborative models emerging across networks. Attendees will leave with a modern fraud-defense playbook—one that balances speed, security and client experience in an always-on payment world.

Breakout Session

Checks: Review of the UCC and Recent Case Law

Scott Jones, Adams & Reese

How resilient is your check-fraud program against today’s evolving schemes? This session distills the core Uniform Commercial Code (UCC) provisions governing check fraud (Articles 3 and 4) into practical guidance for your institution. You will learn about counterfeits, forgeries, alterations and “cooked” checks and how they are impacted by presentment warranties, the midnight deadline and how they shape your liability and/or recovery. Finally, we will review court decisions from across the country to examine how the UCC is put into action. Attendees will leave with a clear understanding of risk hotspots, litigation themes and actionable steps to strengthen controls, allocate risk by contract and position claims and defenses effectively.

Please note: This session will be repeated after lunch at 1:10.

Breakout Session

ACH Rules Update

Sharon Halmark, APRP, AFPP, AAP, EPCOR

Ensure your institution remains compliant with the latest amendments to the ACH Rules. We will cover key updates that should be prioritized in your compliance strategy, helping you navigate upcoming changes in 2026 and beyond with confidence. We’ll also cover the 2026 fraud monitoring requirements designed to combat credit-push fraud, enhancements to International ACH Transaction (IAT) processing, which includes new requirements for registering IAT contacts in the ACH Contact Registry and the inclusion of an individual’s date of birth in IAT entries, as well as a new Return Reason Code designed to support sanction compliance obligations. Join us to gain the insights you need to strengthen your operations and stay aligned with evolving regulatory expectations.

Please note: This session will be repeated after lunch at 1:10.

Breakout Session

Stablecoins: A New Frontier in Payments and Their Growing Role in Payments

Chris Colson, Federal Reserve Financial Services

Let’s dive into the evolving role of stablecoins in the payments landscape and examine the different types of stablecoins, their impact on the financial system and how retailers are adopting them for transactions. Learn why stablecoins are becoming a viable payment option, the risks involved and the regulatory challenge, as well as gain insights into stablecoins’ potential to transform the future of payments.

Please note: This session will be repeated after lunch at 1:10.

Breakout Session

Making Cents of Regulation E and Debit Card Disputes

Trevor Witchey, AAP, NCP, APRP, EPCOR

Debit card fraud continues to rise, resulting in higher volumes of fraud being seen by financial institutions. With merchants having liability protections thanks to EMV chips, PINs, timing and 3D Secure programs, financial institutions have no chargeback rights and find themselves writing off losses due to Regulation E protections or card network zero liability rules. Together, we’ll dive deep into the investigation process for debit card disputes, explore how to understand Regulation E and Card Network rules and discuss preventative measures to help you work the cents and dollars back into your institution's bottom line by preventing avoidable write-offs.

Please note: This session will be repeated after lunch at 1:10.

Vendor Showcases

Lunch and Core Provider Roundtable Discussions

Breakout Session

Checks: Review of the UCC and Recent Case Law

Scott Jones, Adams & Reese

How resilient is your check-fraud program against today’s evolving schemes? This session distills the core Uniform Commercial Code (UCC) provisions governing check fraud (Articles 3 and 4) into practical guidance for your institution. You will learn about counterfeits, forgeries, alterations and “cooked” checks and how they are impacted by presentment warranties, the midnight deadline and how they shape your liability and/or recovery. Finally, we will review court decisions from across the country to examine how the UCC is put into action. Attendees will leave with a clear understanding of risk hotspots, litigation themes and actionable steps to strengthen controls, allocate risk by contract and position claims and defenses effectively.

Breakout Session

ACH Rules Update

Sharon Halmark, APRP, AFPP, AAP, EPCOR

Ensure your institution remains compliant with the latest amendments to the ACH Rules. We will cover key updates that should be prioritized in your compliance strategy, helping you navigate upcoming changes in 2026 and beyond with confidence. We’ll also cover the 2026 fraud monitoring requirements designed to combat credit-push fraud, enhancements to International ACH Transaction (IAT) processing, which includes new requirements for registering IAT contacts in the ACH Contact Registry and the inclusion of an individual’s date of birth in IAT entries, as well as a new Return Reason Code designed to support sanction compliance obligations. Join us to gain the insights you need to strengthen your operations and stay aligned with evolving regulatory expectations.

Breakout Session

Stablecoins: A New Frontier in Payments and Their Growing Role in Payments

Chris Colson, Federal Reserve Financial Services

Let’s dive into the evolving role of stablecoins in the payments landscape and examine the different types of stablecoins, their impact on the financial system and how retailers are adopting them for transactions. Learn why stablecoins are becoming a viable payment option, the risks involved and the regulatory challenge, as well as gain insights into stablecoins’ potential to transform the future of payments.

Breakout Session

Making Cents of Regulation E and Debit Card Disputes

Trevor Witchey, AAP, NCP, APRP, EPCOR

Debit card fraud continues to rise, resulting in higher volumes of fraud being seen by financial institutions. With merchants having liability protections thanks to EMV chips, PINs, timing and 3D Secure programs, financial institutions have no chargeback rights and find themselves writing off losses due to Regulation E protections or card network zero liability rules. Together, we’ll dive deep into the investigation process for debit card disputes, explore how to understand Regulation E and Card Network rules and discuss preventative measures to help you work the cents and dollars back into your institution's bottom line by preventing avoidable write-offs.

Breakout Session

Fraud on the Wire

Trevor Witchey, AAP, NCP, APRP EPCOR

The wire transfer payment rail is considered a “large value” system, and fraudsters can reap significant rewards with a single successful fraud event. Businesses are targeted with account takeover, business email compromise or impersonation schemes, while consumers are preyed upon with scams that create a false sense of security, such as joining investments that are too good to be true or trying cryptocurrency for the first time. This fraud often leads to businesses having liquidity issues or consumers having all their financial accounts drained. Together, we’ll discuss the current wire fraud threats to your account holders and mitigation techniques to help your businesses and consumers.

Breakout Session

From Data to Dollars: Turning Payment Intelligence into a Competitive Advantage

Matthew Friend, JPMorgan Chase; Jane Hennessy, Finzly

The payments race is no longer about speed; it’s about intelligence. As Pay by Bank and instant payments move into riskier use cases, understanding what happens beyond the transaction becomes your best defense and biggest advantage. In this session, we’ll explore how intelligent transaction tagging – tracking attributes such as use case, industry, sender ID and transaction types – helps financial institutions see what others can’t: patterns that reveal market shifts, predict fraud and uncover new revenue streams. You’ll learn how data-driven visibility uncovered a 3-6x spike in risk exposure across commerce and wallet Account-to-Account (A2A) payments, and how the same insights are now guiding smarter product design and client experiences. Walk away with a blueprint for transforming payment data into intelligence, and intelligence into growth.

Breakout Session

What If Initiating a Payment Was Effortless? Unlocking the Power of QR Codes

Caroline Cypriano, JJ4Tech

Imagine your account holders, or even yourself, receiving a medical, utility or contractor bill, scanning a QR code and your banking app instantly opening with the payment details prefilled. This is followed by quick authentication with Face ID, and just like that, the payment is complete. ACH, wires, faster payments—you name it. In this session, we’ll demystify the practicality, security and real-world applications of QR code-initiated payments. Already widely adopted in many countries, this technology is poised for growth in the United States, especially with the upcoming X9 QR Code standard for payments. We’ll explore what this means for financial institutions, consumers and the future of payment initiation.

Breakout Session

Automating and Simplifying Payments

Peter Davey, PaymentsJedi Advisory

For community banks and credit unions, payments shouldn’t require a large IT team to run well. This session focuses on how institutions can simplify payments through automation, smart vendor choices, and better orchestration, without building or managing complex technology stacks. We’ll cover practical ways to reduce manual work, handle exceptions automatically, improve fraud controls, and support real-time and traditional payments with limited internal resources.

General Session

Go For Gold: Teamwork, Toughness and Tenacity

Lindsay Tarpley

This powerful keynote explores the mindset, strategies and resilience required to achieve world-class success. Drawing from personal experiences in Olympic and World Cup competitions, Lindsay highlights the importance of setting clear goals, developing a disciplined plan and quickly adapting to challenges. She also emphasizes the value of mental toughness, teamwork and learning from both victories and setbacks. Attendees will walk away with practical strategies for overcoming obstacles, executing under pressure and sustaining long-term motivation, as well as tools needed to be a great teammate, even on teams with diverse personalities. You’ll also learn how to apply principles of elite gold medal athletes to your own situation and find, create and envision your own gold medal moment.

Networking

Dining with Strangers

Networking

Breakfast

General Session

AI in Payments Today

Kevin Miyamoto, Identifee

Artificial intelligence (AI) is already reshaping payments operations, fraud management and compliance, but separating real impact from hype can be challenging. This session will explore where AI is being used in payments today, what developments are on the horizon and how financial institutions can prepare.

Breakout Session

Instant Payments Risk and Fraud Mitigation

Sharon Hallmark, AAP, APRP, AFPP, EPCOR

As the popularity of RTP® and the FedNow® Service grows, people are thinking about how to address fraud in the credit-push fraud era. This session will examine the unique challenges of instant payments, fraud reporting requirements and strategies to minimize credit fraud.

Breakout Session

Reinventing Positive Pay for the Modern Payments Era

Bruce Dragoo, Q2

Check fraud is still here, and it’s evolving faster than many realize. Even as digital payments surge, fraudsters continue to exploit vulnerabilities and outdated defenses. Meanwhile, ACH and business payments have become the next frontier for fraudsters. This session explores how financial institutions can modernize Positive Pay for today’s hybrid payment environment, utilizing automation, artificial intelligence (AI) and smarter workflows to protect clients and drive new revenue. We’ll explore how forward-thinking financial institutions are turning fraud prevention into a growth strategy, using solutions like Enhanced Payee Match within Positive Pay to detect anomalies earlier, reduce false positives and empower businesses to take control of their own protection. Attendees will walk away with a playbook to embed Positive Pay into client onboarding, education and pricing models, making fraud prevention a competitive differentiator.

Breakout Session

Same Day ACH: The Sky’s the Limit

Michael Herd, Nacha

Another year, another record breaker. In 2025, Same Day ACH payment volume is predicted to top 1.3 billion payments, valued at over $3.8 trillion. And imagine the potential if the $1 million per-payment limit were to jump to $10 million! Could it happen? We’ll discuss the recent Request for Comment regarding that possibility and potential future steps. Additionally, we’ll explore some of the numerous ways your clients can utilize this faster payment option to their advantage.

Breakout Session

Streamlining Operations and Risk Utilizing AI

Kevin Miyamoto, Identifee

Let’s explore how artificial intelligence (AI) is transforming banking operations and risk management by driving efficiency, accuracy and resilience. Participants will gain insight into how AI-powered tools are being used to automate routine processes, enhance decision-making, detect fraud, manage credit and operational risk and improve regulatory compliance. Through real-world use cases and practical examples, the session will highlight how financial institutions can leverage AI to reduce costs, minimize risk exposure and respond more quickly to changing market and regulatory conditions while maintaining strong governance and ethical standards. Attendees will leave with a better understanding of where AI delivers the most value today and how to begin or scale adoption responsibly within their organizations.

General Session

The Future of Payments: Fast Money, Smart Defense

Peter Davey

Payments are becoming increasingly instant, intelligent, and programmable, but fraud is accelerating just as fast. As real-time payments and stablecoins remove friction and eliminate recovery windows, trust and identity move to the center of the payments experience. This session explores how AI, real-time decisioning, and customer-centric design are redefining fraud prevention, shifting it from reactive controls to proactive protection. The future of payments isn’t just about moving money faster; it’s about knowing who is moving it, why, and stopping fraud before it happens.

Prize Drawing/Conference Adjourns

Break for Lunch!

Enjoy a lunch break on your own at one of the many nearby restaurants.

Post-Conference Workshop

Benefiting from FedNow®: A Practical Guide for FIs

Ian Schweid & Kristina Wickersham, Federal Reserve Financial Services

Curious about the FedNow® Service but unsure where to start? This session provides a clear, practical roadmap for financial institutions ready to join the FedNow® Service. We’ll begin with a straightforward overview of what the FedNow® Service is and how it works, then highlight real-world success stories and walk through the end-to-end process flow. Attendees will learn how to identify target clients, match client types to common use cases, select the right participation model and calculate potential return on investment (ROI). We’ll also cover key technology and operational requirements, from enabling client access and connecting to the network to managing 24/7 operations, settlement and reconciliation. Finally, we’ll review onboarding steps, testing and certification and proven risk mitigation strategies so your organization can move forward with confidence.

*While this workshop is free to attend, separate registration is required and space is limited.