Risk Identification in the ACH Payment System
As the world of ACH continues to grow, both in volume and in e-payment options, the risks that parallel the payment system continue to expand. The focus of this workshop will highlight the need for risk identification and implementation of best practices in the areas of ACH risk management; including systems and controls, credit risk management, compliance risk, information technology and the oversight of Third-Party Service Providers. We will also take a look at the importance of balancing the ACH sales culture with strong risk management practices as more financial institutions incorporate the role of e-payments into their strategic plans.
  - Billy Reed, AAP, Assistant Director-Member Services, Southern Financial Exchange

How to Implement Cash Management Solutions
Product implementation can be a pleasant experience if you pick the right team members and realistically assess the time needed to reach your objective. If you learn a few basic steps to put into practice, you can be successful every time and on time too! You will leave this session with a new appreciation for realistic assessment of timelines to meet objectives. Participants will create a simple and fun project implementation process during the session providing hands-on experience in using the steps to successful implementation. You will take away some tools to assist in this process and gain an understanding of how important the team players are in creating a winning process. New product implementation doesn't have to be hard... Just get organized and pick the right team!
  - Jean B. Harrington, CTP, Vice President - Business Services, State Bank & Trust Company

ACH Update
Keep up-to-date by attending this workshop covering new and amended NACHA rules and the hottest industry topics. A new Standard Entry Class (SEC) code. Back Office Converstion (BOC), will allow merchants to convert checks presented by consumers and certain business accounts at the point of purchase into ACH debits. This new e-Check application is expected to have a major impact on ODFI's, RDFI's, and consumers. The BOC rules for processing and exceptions will be among the major topics discussed during this workshop. Other topics will include Regulation E and all modifications to the ACH Rules for 2007. Many of the topics will be so current that we will not have a complete agenda until just before the conference. What you don't know can make your life more difficult. You will be better prepared to get maximum benefit from conference sessions by attending this workshop.
  - Danita Moss, AAP, Assistant Director - Member Services, Southern Financial Exchange

Welcome:
  - Linda M. Bradfield, AAP, President & CEO, Southern Financial Exchange

Keynote Session: "The Light at the End of the Tunnel"
Mr. Oliver will discuss the massive, rapid changes in the payments system and how they could lead to the long forecasted checkless society.
  - Rich Oliver, Executive Vice President and Retail Payments Product Manager, Federal Reserve Bank

Get in the Driver's Seat With Your Vendor Relationships!
Financial institutions are increasingly utilizing vendors to provide technology support for their services. Learn how to utilize a logical framework for managing technology contracts and vendor relations that will allow you to maximize benefits, minimize cost, and manage related risks.
  - Janee Sweeney, Senior Consultant, DD&F Consulting Group
  - Christopher B. Maxwell, Senior Vice President/Chief Technology Officer, Britton & Koontz Bank, N.A.

How to Have Safe SOX
This panel discussion will explore how financial institutions have addressed the SOX 404 requirements to demonstrate sound financial controls. The approach and methods utilized will be the focus of this discussion.
  - Martin Regan, AAP, CCM, Senior Vice President, Hancock Bank

WEB, TEL, POP & ARC - The Appeal, the Risk, and the Rules
With the wide acceptance of ARC, POP, WEB and TEL transactions and the rapid changes in the payments landscape, the risks associated with ACH processing have been on the rise. Learn how to defend against electronic transaction losses.
  - Don Jackson, AAP, CTP, Senior Vice President, First Tennessee Bank
  - Kevin Beck, Director of Operations, CheckAssist
  - Deborah Hickok, AAP, Vice President of ACH Services, ACH Commerce, a division of Moneygram

Payments and BSA Compliance
Hear how electronic payments (ACH, wires, etc.) affect BSA, how to stay in compliance and mitigate potential risk associated with them.
  - Carmen Bell, Senior Vice President/CIO, Bank of Bartlett
  - Tiffany Dawdy, Examiner, Federal Reserve Bank of St. Louis
  - Jennifer Mason, BSA Officer, Bank of Bartlett
  - Jeff Bock, Examiner, Federal Reserve Bank of St Louis

Impact of BSA on ACH - The Current Regulatory Environment
The Bank Secrecy Act of 1970 has several impacts on ACH, such as screening for money laundering transactions. This session will cover current regulatory expectations for financial institutions.
  - Shirley Riley, Assistant Vice President, State Bank & Trust
  - Ken Buford, CFE, CAMS, Case Manager (Special Activities), FDIC-Memphis Area Office

Cross Border ACH - Directo a Mexico Service & Implementation Best Practices
Expand your ACH reach. FedACH International Mexico Services make it possible to provide a cost-effective, convenient and efficient method for sending payments to Mexico. Hear first hand about the benefits of the program, lessons learned and best practices for implementation and support.
  - Elizabeth McQuerry, Assistant Vice President, Federal Reserve Bank of Atlanta
  - Carman Bell, Senior Vice President/ CIO, Bank of Bartlett

Everyone Is A Salesperson
Everyday we sell ourselves, our products or our ideas to a multitude of buyers. Do you know how to be persuasive? Join us to find out and you just might like what you find.
  - Steven Barbera, AAP, Vice President, Regions Bank
  - Patricia Reed, Vice President-Area Sales Manager, Regions Bank

Concurrent Sessions III

Background Investigations & Regulatory Requirements — We Have To Do WHAT?
Recent changes to existing regulations, new privacy guidelines and information security regulations have created a variety of legal, moral and ethical issues for every institution's Board of Directors — and for the persons and companies conducting the mandatory background investigations. The FDIC issued FIL-46-2005 to require financial institutions to develop and implement an institutionwide background investigation process regarding employees, third-party service providers and some high-risk types of accounts. How are you doing with that?
  - Dana Turner, Security Practitioner, Security Education Systems

Managing the Risk of Debit Origination
Learn about an effective methodology used by a direct access Third Party Sender and their ODFI for managing the risk associated with debit origination. In light of recently published risk management guidance issued by the OCC, this session may prove valuable to assist financial institutions in formulating an effective risk policy.
  - Deborah Hickok, AAP, Vice President of ACH Services, ACH Commerce, a division of Moneygram
  - Jodi Bergelt, AAP, Operations Specialist, Pilot Bank

Managing Fraud in Business Accounts: Checks and Electronic Payments
Financial institutions face daily challenges to mitigate risk and combat fraud across various platforms. And business customers share in the prevention by having their own sound risk policies. Listen to our panel discuss best practices recommendations for protecting both the institutions and its business customers from fraud across various payment mechanisms, including checks, ACH and debit cards.
  - Lucy Suarez, Senior Business Consultant, BANKLINK
  - Laurene Vandenberg, Risk Manager, Fiserv EFT
  - Jesse Villarreal, Vice President, Guaranty Bank

Best Practices in Risk Management
While risk management is an overarching concern and the responsibility of all financial institutions, and the underlying principles are universal, not all approaches apply across institutions or client bases. Attendees will gain practical insights into the challenges and relevance of differing ideas from four financial institutions who are willing to share their own experiences in risk management.
  - Judy Long, Executive Vice President/COO, First Citizens National Bank
  - EP Morgan, 1st Vice President, BancorpSouth
  - David Jones, CISA, First Vice President & IT Audit Manager, Trustmark National Bank
  - John Connolly, AAP, Assistant Vice President, Whitney National Bank

Marketing Merchant Services
Learn about valuable financial institution partnerships with merchant bankcard acquirers and how they market their services to business owners. Discussion will focus on functions of a merchant bankcard acquirer, the life cycle of a transaction, services and products, target markets, partnering with financial institutions to market merchant services and referral relationships.
  - Kim O'Neal, Senior Account Development Manager, First Horizon Merchant Services

B2B Payments - Overlooked Opportunities
Identify options available to businesses who want to send and receive B2B payments with remittance information. Learn how to protect business bank accounts from fraud.
  - Sharon S. Jablon, Manager, Business Development, Electronic Payments Network

Pros and Cons of Consolidated Return Environments in an Image Environment
As more financial institutions participate in Check 21 the movement of return items is ever changing. More options are available that may create a need for creative handling of return deposited items.
  - Scheila Davis, AAP, Assistant Vice President, Hancock Bank

Image Exchange: How to Maximize Savings
Learn how to maximize savings through image exchange case studies focusing on float savings, labor reduction, fixed cost reduction and implementing exchange through multiple vendors.
  - Greg Schratwieser, President & CEO, ICI

Back to the Future with Protecting IT
Listen to Dennis Jones, CEO of Securitas Consulting Group and former CIO of FedEx, as he reviews the 5 essential steps to protecting your business technology. Learn how IT assessment, prevention, detection, response, and vigilance are as important today as they have been in the past. Go back to the future with protecting IT as Dennis Jones reviews the best practices optimum for today's business technology.
  - Dennis Jones, CEO - Securitas Consulting Group

Concurrent Sessions V

Handling Internal Fraud? We Don't Have Any Of That Here...
Mishandling an internal fraud investigation can cost your institution time, money, resources — and its reputation. Learn to identify and address the systemic causes of internal fraud.   - Dana Turner, Security Practitioner, Security Education Systems

Small Business eBanking Strategies: Effectively Selling Through all Distribution Channels
The small business market segment, once considered by many financial institutions as difficult and costly to reach, is now seen as a huge untapped revenue potential. Understand how institutions are approaching the small business market and evaluate what services the small business market needs.
  - Debbie Smart, Senior Product Consultant,ACI Worldwide
  - Nanette Croker, Senior Vice President, First Tennessee Bank, N.A.

Do You Know YOUR Personality Type? Can You "Read" Mine?
New information regarding communication with various personality types has evolved, antiquating the Type A, Type B theory. The skills you need to "speed read" other personality types, and understand how to "speak" to that type, can be quickly learned in this session.As a result, with practice, you will be able to use the skills you learned in this session with your family, friends, co-workers, and customers.
  - Jean B. Harrington, CTP, Vice President - Business Services, State Bank & Trust Company
  - Patricia Reed, Vice President - Area Sales Manager, Regions Bank

Merchant, Teller and Branch Capture: How are these technologies related?
This presentation will assist with the key branch, teller and merchant capture vendor evaluation and implementation points. Learn what other banks and credit unions are doing when implementing branch, teller and merchant capture. The session will feature the latest industry trends, understanding processing options, reducing costs, limiting risk, building a business case and taking advantage of the remote capture benefits.
  - Greg Schratwieser, President & CEO, ICI

Vendor Product Showcase
  - SunGard Availability Services

Relationship Banking - Keeping It Legal
Understand the legal framework for establishing and maintaining banking relationships and ways to make relationships better. Learn about the challenges faced in fulfilling the Patriot Act and other legislation that mandates monitoring customer activity, while trying to balance customer service and relationship building. Corporate customers hear about ideas for streamlining the process for fulfilling legal requirements of banking relationships while mitigating unnecessary personal information dissemination due to overcompliance.
  - Jesse F. Villarreal, Vice President, Guaranty Bank
  - Lucy Suarez, Senior Business Consultant, BANKLINK

Multiple eCheck Options: How Much are Banks Willing to Invest?
The current check processing system is efficient and profitable for banks. Yet the banking industry is beginning to implement many new solutions for processing checks, from point-of-sale to back office conversion to ARC and image exchange. With check volumes in decline, how can banks cost justify multi-billion dollar investments in all of these technologies? Assuming strong demand for some options, will banks be able to quickly meet demand with services that are cost effective and secure, with good customer service? In this session, participants are asked to look past the early activity and hype surrounding individual eCheck solutions and examine check processing from an overall, strategic position.
  - Tammy Jo Krapt, Vice President/Mgr Funds Control, First Horizon

Reconciliations,Why Automate?
Explore how automated reconciliation tools can help meet compliance objectives. See why companies should explore these options.
  - Martin Regan, AAP, CCM, Senior Vice President, Hancock Bank

Beyond FFIEC Compliance – Authentication as a Strategic Advantage
The deadline has passed, where do things stand now and where are they going? Should I file this away as a yet another compliance issue or should I be thinking about how I can turn authentication into a business driver? The session will discuss the whirlwind that was late 2005 through the end of 2006, the issues and opportunities that were created and where this is headed in the future.
  - Steven Klebe, Vice President, RSA, The Security Division of EMC

Vendor Product Showcase
  - Securitas Consulting Group