Don't Get Left Behind: How to Embrace the Embedded Finance Era

Barbara Negron, Atelio

Learn how Financial Institutions can flourish by incorporating services that integrate financial features directly into non-financial platforms. Discover how this approach, known as Banking as a Service (BaaS), can open up new opportunities for growth. By adopting embedded finance, FIs can create new ways to make money, attract more customers, and remain ahead in a rapidly changing market. Say goodbye to being left out and hello to boundless possibilities.

Third-Party Risk Management

Adrian Brown, AAP, APRP, The Clearing House

This session will explore the key considerations when selecting a Third-Party Service Provider for payment processing. We will unpack FFIEC Guidance and other risk management considerations.

Instant Payments Update

Amy L. Smith, AAP, CAE, The Clearing House

RTP® turns seven in a few months and FedNow celebrated its one-year anniversary in July. Instant payments are no longer “new” in the United States. This session will explore each payment rail, how enabling send is critical to adoption, and the unique role of the Request for Payment.

Payments Fraud Management

Ravi Loganathan, Sardine

Financial institutions must set up monitoring of ACH by 2026. This session will provide the pillars to a strong fraud management program to include policies and monitoring, and how AI and a central industry source may be part of your solution. 

Connecting Corporate to Banks with APIs

Greg Weddell, Dragonfly Financial Technologies

For years, banks were focused on delivering the best online cash management experience through a digital user interface, but times have changed. Modern cloud-based technology leveraging APIs and Event Streams allows corporates to seamlessly deliver instructions from ERP systems and banks to embed their services into accounting and ERP software. Learn about how the future of cash management is already here.

Ripped from the Headlines

Carolyn Hagood, AAP, APRP, NCP, The Clearing House

Join us for a captivating session delving into recent headlines surrounding Bank Secrecy Act (BSA) violations. Through engaging analysis and discussion, we’ll dissect cases uncovering root causes, regulatory implications, and lessons learned to help you stay informed and proactive in the ever-evolving landscape of regulations.

ACH State of the Union

Jason Carone, AAP, APRP, CTP, The Clearing House

Devon Marsh, APRP, 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.

Please change the sentence at the end  of the Ask the Payments Attorney (Thursday, 3:30PM-4:20PM)

From: Attendees will be encouraged to ask questions. TO Attendees will be encouraged to ask questions and will receive instructions in advance about how to submit them.

Leveraging Your Payments Products in Your Deposit Strategy

Jeff Sharkey, CTP, CMP, CTM, Tru Treasury

Many Credit Union and Banking payment products have capabilities that are seldom used effectively. If optimized, though, they can be an

advantage in winning business deposits. In this session, Tru Treasury will discuss how Community Financial Institutions and Credit Union

business programs can leverage existing capabilities in various products to be more competitive for deposits.

ODFI Risk Management

Christina Rice, AAP, APRP, NCP, The Clearing House
Maggie Usher, AAP, APRP, Southern Michigan Bank & Trust

Thinking about implementing ACH Origination? Already an ODFI but want to hear from others on what risk management means to them? Join us for a panel discussion as we explore what risk management looks like in real life.

Pay By Bank

Ginny Chappell, J.P. Morgan Chase

As new ways to pay emerge, so do hot-off-the-presses insights and trends around new product launches, customer preferences, and purchasing behaviors. Globally, regulatory efforts like Open Banking are further shaping the payments landscape. In this session, we will look at what it will take to navigate, lead and differentiate payment products and user experiences in the ever-evolving Pay-by-Bank landscape. We will examine Pay-by-Bank as a service, along with insights on the latest bleeding-edge trends, what consumers want, and what will factor into adoption of new payment services.

Check Fraud: Utilizing Warranties, Indemnities, and Exchange Rules to Reduce Losses

Steve Cree, NCP, ECCHO, The Clearing House

In today’s digital age, where financial transactions have become increasingly convenient and quick, it is crucial to be aware of the various fraudulent schemes that can compromise the integrity of check transactions, address crucial inquiries regarding the handling of checks and shed light on various aspects - including circumstances where returning a check after the due date is deemed acceptable. Learn to identify prevalent fraudulent schemes and examine the evolving tactics employed by fraudsters. Lastly, discover how to effectively implement ECCHO Rule 9 to minimize losses linked to counterfeit or forged checks.

How FRFS and The Clearing House Are Working Together to Improve ACH Exceptions

Jason Carone, AAP, APRP, CTP, The Clearing House
Phil Ridgway, FRFS Federal Reserve Financial Services

Speakers in this session share how the ACH Operators are joining together to address an industry inefficiency by offering a service through which financial institutions and Fiscal Service can more efficiently, effectively, and securely resolve ACH exceptions. Attendees will leave the session understanding how this partnership will positively impact the industry and what challenges remain.