Small and medium businesses are the bedrock of communities, and credit unions have a long history of meeting the unique needs of the communities they serve. Traditionally, these businesses have been underserved by their financial institutions and forced to adopt either the retail banking or the commercial cash management digital banking solution—or both. Neither solution is a true fit for these organizations, leading owners to look outside their primary FI for the products and services they need to run and scale their businesses. Credit unions already have many members who own small businesses and would expand their relationship if their credit union provided the right solutions delivered in the right experiences. Join this session to see how your credit union can create deeper, stickier member relationships by serving the needs of small businesses.

Speakers:

Tim Daley, Q2 Software, Inc.

Janine Reames, GreenState Credit Union

Tyler Sisneros, Wells Fargo

Myriam Towsley, FAIRWINDS Credit Union

*This recording is not eligible for continuing education credits.

Tag(s): Payments in Practice, Small Business, Remote Connect 

Now that you’re compliant with Nacha’s Account Validation Rule, how can you get more value from your data? Account validation provides an opportunity to streamline bank account onboarding and extract valuable insights, including payment risk, assessing account fraud, and consumer preferences. This session will explore how your organization can enhance your account validation strategy beyond checking the box for compliance. Gain understanding of the use cases for account intelligence and behavior analytics (AI) that increase digital billpay adoption, reduce receivables, and retain profitable customers.

Speakers:

Brian Dao, AAP, EPCOR

Shawn Princell, ValidiFI

*This recording is not eligible for continuing education credits.

Tag(s): Practical Strategies, Nacha Rules, Compliance, Regulatory, Remote Connect

For decades, Third-Party Senders have been instrumental in helping Originators with their ACH payment processing needs. Over the last few years, the payments industry has worked to better define their unique involvement in the ACH Network. Speakers in this session explain the role and responsibilities of third parties in ACH origination and how third parties can ensure compliance and manage overall risk.

Speakers:

Ryan Crone, AAP, APRP, Paycor, Inc.

Shelly Sipple, APP, APRP, NCP, EPCOR

*This recording is not eligible for continuing education credits.

Tag(s): ACH, Risk, Compliance, Remote Connect

This session offers an examination and discussion of significant regulatory and legislative policy developments in Washington from Nacha’s government relations department. The speaker will discuss the impact of a divided congress run by Democrats in the Senate and Republicans in the House. How will that impact payments policy at the congressional, regulatory and administration levels and who will be driving payments-related policy as we move closer to the 2024 elections?

Speaker:

Bill Sullivan, Nacha

*This recording is not eligible for continuing education credits.

Tag(s): ACH, Compliance, Regulatory, Remote Connect

Generative AI and Large Language Models' (LLMs) impact to industry has only scratched the surface. As the digital payments landscape undergoes one of the fastest transformations, innovations in AI/ML/LLMs are paving the way for smarter, secure, and seamless payment experiences across many payment rails even beyond card. Speakers on this session will discuss the practical applications of Generative AI and LLMs for payments and payments' practitioners. Join to hear industry insights on AI and machine learning to address fraud, risk, and other issues related to instant payments, ACH, and other non-card transactions. Attendees will learn how their organizations can prioritize AI/ML programs to improve security, service, and satisfaction for their customers' accounts.

Speakers:

Jose Lobez, Visa, Inc.

Michael Young, Photon Commerce

*This recording is not eligible for continuing education credits.

Tag(s): Faster Payments, AI, Remote Connect, Risk Management

Data is everywhere, but how can you use it effectively and responsibly? In this session attendees learn how to collect and integrate data that exists in various systems to make informed decisions and remain compliant. Speakers share some best practices and tools for data monitoring, analysis, and reporting. Whether in the C-suite, a manager, a business intelligence analyst or a data enthusiast, this session provides valuable insights from data how to take advantage of it.

Speakers:

Nanci McKenzie, AAP, APRP, JM, Independent Consultant

Cindy Orozco, AAP, CAMS, NCCIO, NCP, GTE Financial

*This recording is not eligible for continuing education credits.

Tag(s): Remote Connect, Compliance, Regulatory 

Traditional partnerships are just not enough in the rapidly evolving landscape of embedded banking and payments. This session examines the blueprint for building effective alliances between banks and fintech companies and explores multi-party alliances that involve more integrated efforts and a deeper commitment to long-term goals. To bridge the insights into actionable strategies, speakers focus on what each party can contribute to jointly innovate, enhance customer experiences, and help clients drive growth.

Speakers:

Christopher Hollins, SVB, a division of First Citizens Bank

Steven Ramirez, Beyond the Arc  

*This recording is not eligible for continuing education credits.

Tag(s): Disruptive Ideas, Technology, Embedded Banking, Remote Connect

In the perfect payments world, there would be no exceptions, and all transactions would be processed systematically with no human intervention. The simple truth is there is no perfect payments world and there will always be exceptions. This session provides an in-depth demonstration of how to take the complexity out of exception handling. Attendees will come away from this session with practical ways to simplify how exceptions are handled through controls, automation, robust reporting, and enhanced policies and procedures.

Speakers:

Aaron Baskerville, AAP, Discover Financial Services, Inc.

Kristy Coulbourn, AAP, Discover Financial Services, Inc.

Aylin Dindi, AAP, Discover Financial Services, Inc.  

*This recording is not eligible for continuing education credits.

Tag(s): ACH, Remote Connect

Almost one year after FedNow’s launch and more than six years into the RTP Network’s operation, instant payments are taking center stage in the U.S. payments landscape. In this session you will hear from Operators of both these networks and a major U.S. financial institution that is using both networks about how things are actually working. Speakers share lessons learned and experienced, where they align, where they diverge and how they are collaborating to make instant payments standard for the future of payments in the U.S.

Speakers:

Bridget Hall, ACI Worldwide

Jim Colassano, The Clearing House

Peter Tapling, APRP, PTap Advisory, LLC

Mike Thomas, U.S. Bank

Erik Van Bramer, Federal Reserve Financial Services 

*This recording is not eligible for continuing education credits.

Tag(s): ACH, Faster Payments, Remote Connect

In the ever-evolving landscape of the ACH network, Third-Party Receivers emerge as a pivotal element that remains undefined in the Nacha Operating Rules, raising critical questions for financial institutions and stakeholders. This presentation seeks to shed light on the intricacies surrounding entities operating between receivers and Financial Institutions and demystify their role within the ACH ecosystem. Join us as we embark on a comprehensive journey to explore the fundamentals of Third-Party Receivers. This session aims to equip participants with a comprehensive understanding of Third-Party Receivers, empowering them to make informed decisions, mitigate risks, and fortify the ACH network's security and stability. Join us and be ready to navigate the uncharted waters of this emerging facet in the world of ACH transactions.

Speakers: 

Jordan Bennett, AAP, APRP, Nacha

Sara Hentges, AAP, APRP, NCP, Upper Midwest ACH Association

Tim Thorson, AAP, CTP, Regions Bank

*This recording is not eligible for continuing education credits.

Tag(s): ACH, Nacha Rules, Compliance, Regulatory, Remote Connect