EPCOR Payments Conference – Spring 2013

Road to Knowledge!

presented in association with

May 14 – 16, 2013hilton columbus/polaris

EPCOR is pleased to present EPCOR Payments Conference – Spring 2013 in association with SHAZAM. The SHAZAM network is one of the last remaining member-owned and controlled EFT networks and processors in the industry. SHAZAM offers ACH services, ATM processing, national debit card products, card authorization

services, merchant processing and information security solutions. SHAZAM partners with more than 1,500 community financial institutions in 30 states. Visit www.shazam.net for more information.

aboutthe mission of epcor is to provide financial institutions with reliable payments and risk management education, information, support and national industry representation.

epcor members include over 2,200 banks, credit unions, thrifts and affiliated organizations throughout the central united states.

Register online at www.epcor.orgRegistration Fees:

$475 Members or 5 Education Club Points$950 Non-Members

optional Pre-Conference Workshop Fees:$95 Conference Attendees or 1 Education Club Point$139 Member, Non-Conference Attendees$250 Non-Member, Non-Conference Attendees

EPCOR Payments Conference – Spring 2013

Road to Knowledge!hilton columbus/polarisMay 14 – 16, 2013

epcor, as a direct member of nacha, is a specially recognized and licensed provider of ach education, publications and support.

Featured Luncheon Speaker

General SessionsPayments System Strategic Direction: Setting a Clear Path for the FutureKelly J. Dubbert, First VP, Federal Reserve Bank of KC

The Federal Reserve Bank of Kansas City’s First Vice President and COO, Kelly Dubbert, will discuss areas of strategic focus for the Federal Reserve in working with the industry to advance the payments system. Kelly will discuss opportunities to improve the

speed and efficiency of payments, while seeking to enhance the convenience, accessibility and safety of payments for all participants. Through this discussion, Kelly will also emphasize the important role of financial institutions in the payments system and the need for their active participation in defining and implementing this strategic direction.

Hot Legal and Regulatory Issues in Electronic PaymentsDick Fraher, VP and Counsel to the RPO, Federal Reserve Bank of Atlanta; Paul Carrubba, Adams & Reese, LLP

The FFIEC Guidance on Authorization in an Internet Banking Environment is setting a new legal standard of

care, even if the FFIEC claims that the Guidance is not legally binding. Find out how and why this Guidance will impact all payment providers across all of our electronic business lines.

We’re Not Going to take it anymore! Strategies for Fighting back against Cyber-attacksWilliam Nelson, FSISAC

This session will discuss the threats posed by cyber criminals, hacktivists and nation states to the financial services industry. It will then cover the latest efforts by financial services companies and the government to prevent, detect and respond to various

types of cyber-attacks. Tactics to be investigated include anomaly detection, use of secure servers for online banking, takedown activities, law enforcement actions against criminals, blocking, civil litigation, distributed denial of service

(DDoS) response services and information sharing of threat indicators. Conclude with a discussion around proposed strategic actions that is involving coalitions of various key industries, government and law enforcement to implement more permanent preventative measures to thwart cyber-attacks.

Non-bank Competition in Payments Richard Oliver, Independent Consultant

How are nonbank businesses changing the marketplace and luring your customers away? Get the detailed answers during this informative session by a well-respected industry expert. Discover the significant impacts these non-traditional participants are having

in the payments industry and dynamic changes that are taking place. Learn how financial institutions may compete by creating unique services and value propositions to help retain your customers.

NaCHa’s Strategic Plan and Risk Management Strategy—an update Jan Estep, CEO, NACHA

Learn how NACHA’s strategic plans will sustain, grow and support the ACH Network as a highly valuable resource in the electronic payments industry. Find out how NACHA’s new Risk Management Strategy is building on the success of the previous strategy, with a renewed

focus on risk mitigation and quality of the ACH Network through both Rules and tools.

Mobile Payments: Solutions and opportunities Moderator: Rick Oglesby, Aite Group. Panelists: Spencer Kaullen, UMB Bank; Marc Winitz, Monitise; Randy L. Blattner, MBA, BOK Financial Corporation

Join an industry expert from Aite Group for a thorough overview of the rapidly growing mobile payments landscape. Gain valuable information from case studies shared by banks and their solution providers. Discover how mobile services can impact retention,

cross-selling and improve overall customer value at your financial institution.

Dino tripodisYou’ve heard him on the radio in Columbus for years. Now, he’s coming to you live, in-person! Dino Tripodis is currently the radio host of Sunny in the Morning on 94.7 FM, Sunny 95. Dino has hosted the show for the past 19 years, has toured the nation as a comedian and keeps his foot in comedic waters whenever possible. He is the author of The 23 Days of Christmas Cocktailing: One Month. One Man. One Very, Merry Mission. And if that wasn’t

enough, he’s also a filmmaker and is currently in production of a new feature film, Star and the Snowman.

william nelson

Kelly dubbert

dick Fraher

rick oglesby

paul carrubba

Jan estep

richard oliver

In an effort to reduce waste and decrease the use of paper products at the conference, there will be no paper copies of session presentations or handouts at the event. One week before the conference you will be provided with a Web link to the available presentations. At that time, please review and print the sessions you plan to attend. The presentations will be available online for 3 months after the event.

Visit www.epcor.org to register!

Earn a minimum of 13.4 continuing education credits for EPCOR Payments Conference – Spring 2013. Sessions may be eligible for CTP/CCM credits as well.

Hotel Information

Registration

Dress Code

Continuing Education Credits

hilton – polaris8700 lyra drivecolumbus, oh 43240phone: 614-885-1600

A special conference rate of $149 single/double plus tax has been negotiated for conference attendees. To make a reservation, call 614-885-1600 and mention you are attending EPCOR Payments Conference – Spring 2013, or reserve your room online at: http://www.hilton.com/en/hi/groups/personalized/C/CMHPOHF-EPCORC-20130513/index.jhtml?WT.mc_id=POG

The registration fee for EPCOR Payments Conference – Spring 2013 is $475 or 5 education club points for EPCOR members and $950 for non-members. The fee includes two breakfasts, one luncheon, one reception, all refreshment breaks and all conference materials.

Members can save on conference registration by utilizing the EPCOR Education Club. Add an optional, pre-conference workshop for only $25 with the Bronze Club or save $150 on conference registration for two staff members with the Silver Club. Details on the Education Club can be found under the Education navigation tab of www.epcor.org.

Business casual is appropriate so please make yourself comfortable. Remember that the room temperatures may be difficult to regulate; we recommend that you bring a sweater or jacket for ideal comfort.

take a Deeper Dive & Register for a Pre-Conference Workshop

This is your chance to thoroughly interact with presenters and colleagues to obtain hands on, detailed instruction on topics not typically covered during the conference. Receive comprehensive answers, profound strategies and resourceful tools to lay the groundwork for The Road to Knowledge by registering today!

Clear as Mud?? Successfully Navigating Regulation EMark Hargrave, Partner, Stinson, Morrison, Hecker LLCThought you had a firm grasp on the inner workings of Regulation E? Think again!

Not all areas of the Regulation are clear and have proven more difficult to navigate in

our post-Dodd Frank world. Don’t fall victim to examiner write-ups, insurmountable

fines or even worse for misconceptions or incorrect interpretations of Regulation E

requirements. This interactive workshop conducted by Mark Hargrave, Partner, Stinson,

Morrison, Hecker LLC, will introduce attendees to the operational processes and legal

aspects of Regulation E. Finally, you’ll be able to understand what the Regulation says,

gather insight into its interpretations and get answers to your most difficult Regulation E

questions! Learn how to avoid potential operational pitfalls and reap best practices from

someone who works with Regulation E on a daily basis.

How to Catch a Crook and Stay Safe Doing It!Detective Mark J. Thomas, Task Force Deputy, Homeland Security

Investigations, Kansas CityWant to catch a criminal dead in their tracks or know what investigating criminal activity

entails? Step into a 30-year law enforcement veteran’s shoes during this interactive and

entertaining workshop. Get an introduction into the most important aspects of fraud

case preparation and evidence handling. Put on your undercover hat and join Detective

Mark Thomas for this unique workshop—a necessity for anyone investigating and

preparing cases for law enforcement and prosecution. Receive solid instructions for

identifying criminals, learn how to handle and preserve the evidence of a crime and

collect tips on working with law enforcement. Attendees will also gather information

on personal safety as well as recommendations for safety while working investigations.

EPCOR Payments Conference is a great way to stay current on what’s happening in the industry—and get AAP credits!

—Renee Sharpe, AAP, Condon Bank & Trust

optional Pre-Conference Workshops*Additional fee to attend. See below for details.

Visit www.epcor.org to register!

*Pre-Conference Workshop Fees:$95 Conference Attendees or 1 Education Club Point

$139 Member, Non-Conference Attendees$250 Non-Member, Non-Conference Attendees

All workshops will take place from 9:00 a.m. – 11:00 a.m.

Special thanksGala Reception Sponsor

Gold Sponsor

Keynote Sponsor

Silver Sponsor

aaP Luncheon Co-Sponsor

Exhibitors

The Way Your Bank Should Be

Sponsor and Exhibitor opportunities Still availableIf you would like to be a sponsor and/or an exhibitor, please use the link below to download the vendor packet.

www.epcor.org/imis15/Documents/Conferences/2013_vendor_reg_EPCOR.pdf

Visit www.epcor.org to register!

bronze Sponsor

the Road to Knowledge agenda

tuesday, May 14

8:00 a.m. – 3:00 p.m. R e g i s t r at i o n

9:00 a.m. – 11:00 a.m. o p t i o n a l P r e - C o n f e r e n c e Wo r k s h o p s ($95 additional fee)

How to Catch a Crook and Stay Safe Doing It! Clear As Mud?? Successfully Navigating Regulation E

12:30 p.m. E x h i b i t H a l l o p e n s

1:30 p.m. – 3:00 p.m. o p e n i n g C o m m e n t s /G e n e r a l S e s s i o n

Payments System Strategic Direction: Setting A Clear Path for the Future Kelly Dubbert, First VP, Federal Reserve Bank of Kansas City

3:00 p.m. – 3:15 p.m. t r a n s i t i o n b r e a k

3:15 p.m. – 4:15 p.m. C o n c u r r e n t S e s s i o n s Successfully Managing Third-Party Relationships William Grace, Fifth Third Bank; Paycor speaker TBA

International Remittances—The Story of Regulation E Subpart B Karen Sylvester, AAP, NCP, EPCOR; Jeff Williams, AAP, Royal Bank; Sheila Noll, AAP, Midwest Independent Bank

Serving the Unbanked—Past, Present and Future Denise DeRousse, AAP CTP, Pulaski Bank; Jacqueline Hutchinson, Peoples Community Action Corporation; Co-Chair - St. Louis Regional Unbanked Task Force

Account Takeover: Lessons Learned Kim Dodson, CTP, Citizens Union Bank

4:15 p.m. – 4:30 p.m. R e f r e s h m e n t b r e a k

4:30 p.m. – 5:45 p.m. G e n e r a l S e s s i o n Hot Legal and Regulatory Issues in Electronic Payments Paul Carrubba, Adams & Reese, LLC; Dick Fraher, Federal Reserve System, RPO

5:45 p.m. – 7:00 p.m. G a l a R e c e p t i o n i n E x h i b i t H a l l

Wednesday, May 15

7:30 a.m. R e g i s t r at i o n / C o n t i n e n ta l b r e a k f a s t / E x h i b i t H a l l o p e n s

8:30 a.m. – 9:40 am G e n e r a l S e s s i o n NACHA’s Risk Management Strategy & Strategic Plan – An Update Jan Estep, CEO, NACHA

9:40 a.m. – 10:10 a.m. V e n d o r S h o w c a s e s SHAZAM ACH Alert Argos Risk Centrix Solutions, Inc.

10:10 a.m. – 10:30 a.m. b r e a k

10:30 a.m. – 11:30 a.m. C o n c u r r e n t S e s s i o n s AIM for Success and Effectively Manage Third-Party Senders and High Risk Originators Pamela T. Rodriguez, AAP, CIA, CISA, EastPay, Inc.; Jerry Meyer, Bank of Kentucky and Corporate Customer

Check Image Exchange: Myths & Realities Phyllis Meyerson, AAP, NCP; ECCHO

Healthcare Rules: Recent Developments and Changes Scott Krah, AAP, KeyBank Enterprise Commercial Payments/Healthcare Payments

Combatting Mobile Fraud & Cybercrime Berk Veral, RSA, The Security Division of EMC

11:30 a.m. – 12:45 p.m. Conference Luncheon/aaP Recognition/Marquis award

Dino Tripodis

12:50 p.m. – 1:50 p.m. C o n c u r r e n t S e s s i o n s Recent Regulatory Guidance of Third-Party Vendors Robert Flowers, Hunton & Williams, LLP

Super Storm Sandy & Excused Delay/Contingency Planning Robert Pinson, Federal Reserve Bank of Atlanta

EMV in the U.S.: Putting It into Perspective for Merchants and Financial Institutions Anna Scurry, First Data

Finding Smaller Fraud Needles in Larger Payments Haystacks Eric LaBadie, Guardian Analytics

1:50 p.m. – 2:00 p.m. t r a n s i t i o n b r e a k

2:00 p.m. – 3:00 p.m. C o n c u r r e n t S e s s i o n s PIN’s not Just for Brick and Mortar Anymore Dan Kramer, SHAZAM

What the ACH Rules Really Say Fred Laing AAP, CCM, UMACHA

The Potential of Corporate Payments Hubs Bryan Yurcan, Bank Systems & Technology

Online Banking Authentication: How Secure Are You? Rayleen Pirnie, EPCOR

3:00 p.m. – 3:30 p.m. R e f r e s h m e n t b r e a k

3:30 p.m. – 4:45 p.m. G e n e r a l S e s s i o n Mobile Payments: Solutions and Opportunities Moderator: Rick Oglesby, Aite Group Panelists: Spencer Kaullen, UMB Bank; Marc Winitz, Monitise; Randy L. Blattner, MBA, BOK Financial Corporation

thursday, May 16

7:30 a.m. b r e a k f a s t

8:00 a.m. – 9:00 a.m. G e n e r a l S e s s i o n Non-Bank Competition in Payments Richard Oliver, Independent Consultant

9:00 a.m. – 9:10 a.m. b r e a k

9:10 a.m. – 10:10 a.m. C o n c u r r e n t S e s s i o n s Understanding ACH Corporate Origination Mark Webster, CPA, CCM Treasury Alliance Group LLC

Challenges in the ACH Operations World Andy Nordmeyer, AAP, Fundtech

The Check’s in the Email Paul Doyle, VerifyValid; Brian VanDoeselaar, Grand Valley State University

Alarming Statistics About Card Data Discovery Giles Witherspoon-Boyd, SecurityMetrics

10:10 a.m. – 10:30 a.m. b r e a k / H o t e l C h e c ko u t

10:30 a.m. – 11:45 a.m. C l o s i n g G e n e r a l S e s s i o n We’re Not Going to Take it Anymore!—Strategies for Fighting Back Against Cyber Attacks William Nelson, FSISAC

11:45 a.m. P r i z e D r aw i n g / C o n f e r e n c e a d j o u r n s