Send applications on the instant payment networks are rapidly emerging. This session focuses on real-world use cases and their impact on transaction volumes. The speaker will discuss the primary barriers to entry, including regulatory challenges and technological constraints, and best practices for evaluating and deploying new applications. Attendees will be equipped with a decision matrix for selecting send applications that enhance your institution's service offerings to attract and keep accountholders.

Speaker:

Brandon Krebs, Jack Henry & Associates

*This recording is not eligible for continuing education credits. 

Tags: Instant Payments, Send Applications, Regulatory, Best Practices

As the financial services landscape evolves, institutions have a prime opportunity to deploy seamless, efficient, and secure business payment solutions to enter new markets. This session explores critical strategies for financial institutions expanding into business payment services through a real-life case study of an institution that made this strategic move. Participants will gain insights into the opportunities and benefits of entering this space, key operational considerations such as compliance, risk management, and customer onboarding, and emerging trends and technologies driving B2B payment innovation. The discussion will also address the growing demand for faster, more reliable, and cost-effective payment solutions. Join us to discover how your institution can successfully expand into business payment services, strengthen client relationships, and unlock new revenue streams in this dynamic sector.

Speakers:

Carolina Barbero, Safra National Bank of New York

Mark Dixon, AAP, APRP, AFPP, CTP, NCP, Nacha

*This recording is not eligible for continuing education credits.

Tags: Payment Solutions, Compliance, Risk Management, Onboarding, B2B, 

In today’s fast-paced payments landscape, ACH transactions play a vital role in electronic payments, making a strong understanding of exception processing essential. This course provides a comprehensive overview of ACH exceptions, equipping participants with the knowledge and tools to manage, resolve, and minimize issues effectively. Attendees will explore common ACH exceptions, the industry rules governing them, and the step-by-step process for handling returns, dishonored returns, and contested dishonored returns. Additionally, the session will cover return time frames beyond the standard two banking days and the necessary documentation for extended returns.

Speakers:

Angelica Larrañaga, ePayResources

Crissy Terry, AAP, NCP, ePayResources

*This recording is not eligible for continuing education credits. 

Tags: ACH, Exceptions, Returns, Dishonored Returns, Return Time Frame

Third-Party Senders are often considered by financial institutions to be higher-risk clients. But are they really? What characteristics should a financial institution look for to lessen and better manage their potential risks in these relationships? Is it being Nacha Certified or having AAPs and APRPs on staff? Hear two experienced Third-Party Sender practitioners discuss these characteristics and more, including the opportunities that made their financial institutions look them over and fall in love.

Positive Pay has been around for years and is often taken for granted, much like your grandma’s old Tupperware. It is a crucial tool that all financial institutions should have in their fraud arsenal. Your FI should focus on growing positive pay adoption rates, measuring success effectively, and educating business customers about fraud and positive pay. Ensure your current technology solution can evolve to meet market needs and address the financial and brand losses due to fraud. If you’re unsure about any of these aspects, join us for this powerful session with industry leaders in the positive pay space to learn how to increase adoption rates, educate your business customers, and potentially generate extra non-interest income.

Speakers:

Christine Barry, Datos Insights

Kelly Davis, CoreFirst Bank & Trust

Andrea Ulrich, Q2 Software, Inc.

*This recording is not eligible for continuing education credits. 

Tags: Positive Pay, Adoption Rates, Income, Customers

You've likely heard about "The Rules," but do you fully understand what they entail and their significance? As fintech innovators enter the payments landscape, a solid grasp of the rules governing ACH transactions becomes essential. Additionally, when experienced employees leave, new team members must quickly get up to speed on ACH requirements. These circumstances create a need for a clearer understanding of the Nacha Operating Rules. Join us for a comprehensive overview of this crucial component of the ACH Network. In this session, you'll gain insights into the Nacha Operating Rules as a legal framework, learn who they affect, discover how they are created with industry input, explore their structure (including Articles and Appendices), and review supporting documents like the Nacha Operating Guidelines and the ACH Guide for Developers.

As digitalization accelerates, mobile wallets are leading the cashless revolution. This session will explore the key trends and innovations driving mobile payment adoption, including advancements in authentication and AI-driven enhancements that enhance user experience and build consumer trust. With security remaining a top concern, we’ll discuss effective fraud detection and prevention strategies to ensure safe transactions. The evolving regulatory landscape will also be examined, highlighting how compliance can drive innovation while addressing potential challenges. Additionally, we’ll explore the complexities of cross-border transactions, focusing on optimizing payments to increase success rates while minimizing fraud. Looking ahead, we’ll make predictions for the next 5–10 years, considering the impact of emerging markets on the global payments ecosystem. Join us for an insightful discussion to help you navigate the future of digital payments with confidence.

Speakers:

Swati Shah, U.S. Bank

Kalpana Sundar, PayPal

*This recording is not eligible for continuing education credits. 

Tags: Disruptive Technology, Cashless, Mobile Wallet, Digital Payments, Regulatory

This session explores the challenges banks face in delivering faster payments and implementing new solutions. A leader in faster payments will share insights from a two-year project focused on modernizing payments in the title and escrow industry. While same-day ACH meets some needs, instant good funds require Request for Payment (RfP), which faces limitations and deployment challenges with APIs, virtual accounts, and commercial account structures. Efforts to replace checks and wires aim to streamline mortgage closings, but scaling new networks to match ACH’s interoperability takes time. This session will highlight key lessons, the need for innovation in title and escrow, and the broader challenges banks and fintechs face in modernizing legacy payment systems.

Speakers:

Amy Grunert, Stewart Title Guaranty Company

Steve Mott, BetterBuyDesign

Michael Thomas, U.S. Bank

*This recording is not eligible for continuing education credits.

Tags: Title, Escrow, Modernization, Virtual Accounts, ACH

As pay by bank grows and expands into new – and potentially higher risk – use cases, transaction tagging is necessary to risk score and screen transactions for fraud and scams.   Tagging also allows for increased insight into market trends to inform everything from product strategy to customer servicing in the back end.  The range of elements to be tagged spans use case, industry segment, sender ID, and one time vs recurring.  Learn how tokens are being used to secure account numbers, but also capture this key data without impacting the ACH message.  Learn how this new method detected a more than 3x increase in risk for certain use cases such as commerce and high-risk A2A transfers.

Speaker:

Matthew Friend, J.P. Morgan

*This recording is not eligible for continuing education credits. 

Tags: Tagging, Transactions, Sender ID

Fraud prevention remains a big concern for organizations. This session will focus on enhancing participants' understanding of current fraud schemes, what to do, and measures to mitigate risks through a fraud prevention program. In addition, we will discuss practical tools, detection techniques, and regulatory obligations to protect our organizations from financial and reputational harm.

Speaker:

Justin Muscolino, Justin Taylor Muscolino

*This recording is not eligible for continuing education credits. 

Tags: Fraud, Compliance, Risks, Detection, Regulatory