The Risk Management Challenge

Kim Roberson, Affirmative Technologies

Managing ACH risk is a complex and ever-evolving challenge for financial institutions, requiring compliance with extensive regulatory requirements while ensuring data is accurately tracked and monitored. Yet one of the biggest obstacles is access to clean, organized transaction data which inhibits regulatory reporting, fraud prevention, and risk assessment. Our panel breaks down the ACH risk management landscape, including key compliance requirements, the risks of inadequate controls, and the critical reports every financial institution needs to effectively monitor ACH activity.

Connected Cars and Wearables: The Future of Seamless Payments

Chris Colson, Federal Reserve Bank of Atlanta

This session will explore the rapidly evolving landscape of emerging payments through connected cars and wearable devices. Attendees will gain insights into how connected cars enable on-the-go, contactless payments for services like fuel, tolls, and parking, offering increased convenience and safety. The session will also dive into wearable technologies, such as smartwatches, that are revolutionizing contactless payments.

2025 Payments Hot Topics from a Legal Perspective

Katherine Razdolsky Rothstein, Taft Law

In this session, payments lawyers will share their insight and perspective on trends and hot topics giving rise to legal issues in payments for 2025, including, payment technology, regulatory changes, artificial intelligence, open banking, third party relationships and more!

Gaming, Cannabis and Crypto – Go or No Go?

Peter Tapling, PTap Advisory, LLC

It’s one thing to have a position that “we don’t bank gaming,” but you can’t stop your customers from engaging in such activities. What is your financial institution’s position on banking high-risk businesses? Delve into a few of the common high-risk businesses for compliance and risk management professionals and come away with insights and approaches for every institution.

Fraud vs Friction: How Agentic AI Can Revolutionize Financial Crime Fighting

Thomas Cronkright II, CertifID – Sponsor 
Matt O’Neill, Former U.S. Secret Service

Financial institutions continue to face barriers in the data sharing required to combat money laundering and terrorist financing. Despite the potential for frameworks like Section 314(b) of the USA PATRIOT Act to enable secure information sharing, these are underutilized due to technical and legal barriers, a lack of institutional incentives, and expertise drain in the compliance and investigative community.

In this session, Matt O’Neill and Tom Cronkright will discuss how the integration of digital twin technology and agentic AI can change the game. They’ll share examples from industry use cases like real estate in how organized crime is leveraging generative AI in fraud attacks. They’ll also discuss the challenges with mounting a unified defense in industries where a range of types of organizations act as fiduciaries.

Digital twins—virtual models of entities or processes—could simulate threat actor behavior or transaction patterns, allowing investigators to test hypotheses, train new staff, and retain institutional knowledge in a scalable way. Meanwhile, agentic AI, which refers to autonomous AI systems capable of pursuing investigative goals within defined parameters, could serve as virtual assistants to analysts, replicating the decision-making logic of retired experts and flagging relevant intelligence across institutions. These systems can help scale expertise, enhance investigative consistency, and even act as intelligent mediators in 314(b) sharing.

Join them for an interactive discussion as they make the case for the integration of these techniques to elevate public-private threat intelligence collaboration to meet today’s financial crime challenges.

Vendor Management: Partnering with FinTech’s

Jennifer Miller, AAP, APRP, NCP, UMACHA

As more fintechs enter the payments industry, FIs have an opportunity to expand their offerings by cultivating meaningful vendor partnerships. Appropriate oversight and vendor management are crucial, as well as seamlessly passing fintech products through to consumers. Attendees will learn how to set expectations with your partnering fintechs regarding rules enforcement, requirements, and responsibilities. We will also discuss regulator expectations when working with fintechs, as well as the key elements of FFIEC Guidance as they relate to vendor management.

A Community Bank 100 Years Later

Join this session as we explore how a century old community bank expanded its reach and reimagined its product offerings to serve its current account holders, embrace payments innovation and generate new customers.

Banking on AI: Boosting Productivity and Streamlining Workflows in Financial Institutions

Kevin Miyamoto, Identifee

Discover how forward-thinking financial institutions are harnessing artificial intelligence to enhance their operations. Explore practical AI applications that financial institutions are implementing to enhance employee productivity, automate routine tasks, and create more efficient workflows. Attendees will learn about real-world use cases, implementation strategies, and the measurable ROI that AI solutions are delivering across the industry. Learn how your institution can strategically adopt AI to remain competitive while improving employee and customer experiences.

Nacha Rules, They Are A-Changing

Devon Marsh, Nacha

Financial institutions should be well down the path toward complying with rules that take effect in 2026 to address credit push fraud. The rules emphasize transaction monitoring, but what do “risk-based processes and procedures” include? What are some red flags to look for in transaction monitoring? Does every transaction need to be evaluated prior to processing? Prior to posting? And what should be done when monitoring detects an entry that may have been initiated due to fraud? Come gather ‘round, people, and find out more about Nacha’s fraud monitoring rules.

How RTP Helps Reduce Check Fraud

Angela Murphy, Ph.D., “Payments Elsa”, Pidgin

Check fraud is soaring, and financial institutions are caught in the crossfire. Uncover why traditional payment methods are increasingly vulnerable and explore how faster payments offer a powerful tool for handling fraud. Learn actionable strategies for migrating customers to faster and safer digital payments, reducing risk, and building trust in your institution.