Cross Selling - Embrace It or Dread It!
This interactive workshop is designed to identify the need to cross sell. Then we will address developing features and benefits of your product or service and training your staff to sell them. You will also learn how to successfully promote your project or idea to management. Be ready for a high-energy brainstorming and program development session. Learn concepts and acquire tools that you will be able to use!
  - Steve Barbera, AAP, Britton & Koontz, N.A.

ACH: Getting Up To Speed
Let us help you chart the course through the new and amended NACHA rules and the hottest industry topics. NACHA is introducing a series of rules to implement the industry's risk management strategy. Find out about recent rule changes including the Network Enforcement Rule, ODFI Reporting Requirements, the System of Fines Modification, the Company Name Identification Rule, International ACH, the Originator Watch List and the new ODFI Counseling Service. 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, Southern Financial Exchange

Steering Through Key Issues in Government Payments
This workshop will focus on key issues and guidance will be offered for: reclamations, Notifications of Change (NOCs), Death Notification Entries (DNEs), child support payments, electronic tax payments, Electronic Benefit Transfers (EBTs), and Electronic Transfer Accounts (ETAs). Students are encouraged to share some of their toughest government payments challenges. You will be advised on those issues and we will share contact lists and other resources to help you.
  - Billy Reed, AAP, Southern Financial Exchange

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

Keynote Session: "Competition and Innovation-Navigating the Forces in the World of Payments"
The payments world is evolving and changing around us. What was once the sole purview of the regulated financial services industry has now expanded to include a number of non-financial institution players who, through technological innovation, have dramatically changed the competitive landscape. These technologies have enabled customers to interact with new forms of payment services. As such, it is increasingly important for financial institutions to embrace new innovations and compete with new market entrants.
  - Danne Buchanan, CEO, NetDeposit

Payments are Payments or Are They?
In today's changing landscape, payments are evolving into a business line for financial institutions generating revenue and increasing the competitive edge. Learn to identify potential for securing the payments franchise by understanding the impact of payments convergence today.
  - Wendy Wishon, AAP, Vice President, MPX

ACH Risk Mitigation, Opportunities Along the Transaction Chain
Gain an integrated understanding of risks in the management of an increasingly complex relationship between an originator and the ODFI and RDFI.
  - Ralph Price, AAP, First Vice President, BancorpSouth
  - Robert Williams, Project Manager, Federal Reserve Bank of Atlanta

The ACH Operators Discuss Risk Management Solutions for ODFIs and RDFIs
All financial institutions are responsible for ACH risk management, especially ODFIs who really need to know their originators and their originators' customers. Learn what tools the ACH Operators have available to assist in the process.
  - Jim McKee, Senior Vice President, Federal Reserve Bank of Atlanta
  - Frank Sardina, Vice President, EPN

Help! I'm Drowning in Regulatory Waters
With myriad regulations surrounding financial institutions, where do you turn for help? This presentation will provide you with the tools to guide you through the regulatory quagmire. You will get practical guidance for better compliance management.
  - Patsy Parkin, Bank Compliance Specialist, Butler, Snow, O'Mara Stevens & Cannada, PLLC

ACH Processing, Risky Business?
Regulators require all financial institutions to have formal policies that address ACH risks. Some risks that are frequently overlooked may surprise you. Learn how to develop a good ACH policies and procedures manual to help mitigate risks.
  - Stephen A. Schutze, Managing Director, Foreword Financial Consulting

The Digital Revolution: Is Your Bank Ready?
To dramatically improve customer service and build efficiencies, the deployment of digital applications is critical. Voice over IP, video conferencing, imaging and capture technology will empower financial institutions in ways never before imagined. Understand how bandwith can significantly impact your day to day business.
  - Mike Moehle, Executive Vice President, ERF ENS

Got Images? An Update on Image Exchange Volumes and Trends
Interested in hearing what today's industry leaders in transaction processing are doing in the image exchange arena? Learn about current image exchange volumes, rules and agreements as well as some of the trends that will continue to influence check image exchange.
  - Ellen J. Heffner, Director-Product Management, ECCHO

Decoupled Debit Cards - Is Someone Picking Your Pocket?
This session will introduce you to the concept of decoupled debit cards and the impact on the ACH side of the house. Lookout, someone is getting ready to cut into your debit card interchange revenue. You may be called upon by your debit card counterparts to assist in addressing this threat.
  - Jeff Theiler, Senior Vice President, Hancock Bank

Vendor Product Showcase - EFT Network, Inc.

Payments Strategies
Get information to build a strong payments strategy to move your company or financial institution into the competitive payments environment today and in the future. Learn how to leverage image exchange through least cost routing, remote capture and its path to check conversion and best practices concepts for teller capture. Gain new insights into decoupled debit cards, prepaid cards and mobile banking. Bankers and payment strategy specialists will present key elements that will lead to success.
  - Judy D. Long, Executive Vice President & Chief Operations Officer, First Citizens Bank
  - Ralph Price, AAP, First Vice President, BancorpSouth
  - Greg Schratwieser, President & CEO, ICI Consulting, Inc.
  - Linda Mahy, Vice President, FIS/Fidelity National Information Services

Concurrent Sessions III

Technology Solutions - Creating Employee Acceptance
Many technology solutions fail to achieve the desired objectives because employees do not embrace and use them. Understand why employee buy-in is so essential and various methods for mobilizing and motivating employees. Create action plans for overcoming these challenges.
  - Marshall Weems, Chairman/Founder, Financial Selling Systems, Inc.

Outside the Box Methods to Manage the Risk of ACH Debit Origination
This in depth session will illustrate ACH risk management through the entire lifecycle of an ACH originator, from underwriting through daily operations and monitoring the ongoing risk. You will learn about several tools and methods for managing the risk of debit origination.
  - Dana Peace Bianculli, AAP, National Account Manager, MoneyGram International

Uncover the Mystery: How to Drastically Reduce Postage Expenses
Unbeknownst to the majority of businesses, most business mail qualifies for significantly reduced postage. Learn about USPS postage increases for the next decade. Get information on rates and services to help you plan your budget and drastically reduce your postage expenses.
  - Lorinda Daniels-Leonard, Regional Account Representative, DMS Mail Management

Vendor Product Showcase

Paycards - Best Practices for the Seller and the User
Whether you want to improve an existing program or need to know what to consider to implement a paycard program, this session is for you. Learn what it takes to have a successful paycard program for both the financial institution and the user of the program.
  - Kerrie D. Duvernay, Vice President, Hancock Bank

Best Practices in ACH Risk and Compliance Management
Regulatory agencies have expanded the scope of ACH regulations and intensified their expectations as to the rigor of internal controls, governance processes and MIS. Presenters will provide a practical approach to identifying, quantifying and managing ACH risks and compliance requirements.
  - Donald S. Jackson, AAP, CTP, Senior Vice President, First Tennessee
  - David C. Robertson, Partner, Treasury Strategies

Mobile Banking Strategies
Large US banks are quickly implementing the relatively new technology of mobile banking. Mid-tier and community banks and credit unions are struggling to catch up and effectively compete. How can your bank or credit union implement a cohesive mobile banking strategy that will keep existing customers, produce new clients and generate a profitable service?
  - Greg Schratwieser, President & CEO, ICI Consulting

Vendor Product Showcase

Legal and Fraud Issues - A MINDfield for Bankers
As bankers offer new products and services, the bank is exposing itself to new legal and fraud risk. This session will provide you with some specific risks faced by financial institutions as you find more ways to automate products and services. Paul will discuss cases and examples of fraud perpetrated against financial institutions. Some of the topics included are remote deposit fraud, employee fraud, phising scams, and how they can lead to identity theft.
  - Paul A. Carrubba, Partner, Adams & Reese LLP

Concurrent Sessions V

Cooking Up a Winning Strategy for Marketing Electronic Payments to Your Small Business Customers
Understand the needs of small businesses including their challenges, growth drivers, cash management concerns and industry trends. Learn to implement a winning marketing plan that can help attract new customers and increase loyalty of existing customers.   - Deborah Matthews, AAP, Director of Sales Support, Jack Henry & Associates/ProfitStars

Disaster Recovery Planning - The Human Aspect
The most overlooked piece of disaster planning is the people who make it work. This session will address getting staff to disaster recovery locations, communications, housing, family concerns, help with daily living expenses, etc. This is an excellent "lessons learned" from an organization that deployed staff over multiple states following Hurricane Katrina. Learn what worked, what didn't and what had to be changed.
  - John Connelly, AAP, Vice President, Whitney National Bank
  - Jim Fleming, Vice President, Whitney National Bank

From Paper to Image Exchange: Are Partnerships Right for You?
As costs rise in the movement of paper, more financial institutions are looking for image exchange partners. This panel discussion will provide an overview for starting these relationships and will highlight the best practices and things to consider when establishing partnerships for potential savings.
  - Scheila Davis, AAP, Vice President, Hancock Bank
  - Harold Winborne, First Vice President, Trustmark National Bank
  - Bill Gully, First Vice President, BancorpSouth

Unlocking the Secrets to Selling Remote Deposit Capture
If you want to offer remote deposit capture (RDC), come hear from experienced bankers what you need to know before embarking on this journey! You will hear from a representative from risk administration, a regional bank, a mid-size bank and a community bank. Each will cover the main issues to be considered when offering RDC including credit risk, vendor qualification and scanner options, prospect qualification and marketing options. After hearing from each presenter you will have an opportunity to direct questions to any or all participants to get answers to your specific questions. You will learn the major topics of consideration and understand the risks involved in offering this product.
  - Jeanie Harrington, CTP, Vice President, Trustmark National Bank
  - EP Morgan, First Vice President, BancorpSouth
  - Bryan Rowell, Vice President, State Bank & Trust Company
  - Judy D. Long, Executive Vice President, First Citizens Bank

Vendor Product Showcase

How Your Customers Look at Your Analysis Billing Statement
Significantly enhance your understanding and use of the analysis statement and be able to understand the interplay between balances and services. Learn money saving techniques desired by bank customers. Understand the use and benefits of the 822 electronic statement.
  - Stephen J. Weiland, Chairman, The Weiland Financial Group, Inc.

Payment Hubs: What are They and What Will They Do for FIs and Their Corporate Customers?
Your challenges today include security and regulatory requirements, the expenses related to processing payments, keeping pace with new payment initiatives and dealing with aging technology. In order to gain efficiencies, FIs are moving towards centralized payment systems that provide improvements in risk management, data storage and inquiry, and payment initiation and processing, including improvements and enhancements to front end systems used by corporate customers. This presentation will discuss the components of a centralized payments hub with emphasis on improved efficiencies and cost reduction in the payments processing life cycle.
  - Debbie Smart, Senior Product Consultant, ACI World

AAP Accreditation: Is it in Your Future?
More and more organizations are realizing the benefits of having an AAP on staff. Payments professionals can increase their credibility and value by earning this prestigious designation. Hear what is involved in preparing for and taking the exam.
  - Linda M. Bradfield, AAP, President & CEO, Southern Financial Exchange

Are You Ready for International ACH Payments? Start Today!
Every financial institution in the United States must be ready by March 20, 2009 for the new International ACH Transaction (IAT). This amendment to the NACHA Operating Rules impacts all financial institutions, even those that do not currently send or receive international ACH payments. Given the significance of this rule change, it is essential that financial institutions start now to understand and implement the rule. All areas of your institution should be ready. This includes operations, compliance, audit, customer service, and vendor management. Penalties for non-compliance with OFAC's regulations can be severe.
  - Billy Reed & Danita Moss, Assistant Directors - Member Services, SFE

Vendor Product Showcase

Changes in the Federal Reserve System and Its Impact on You
Become aware of key Federal Reserve initiatives and the status of developments in electronic payment trends, services, and regulations.
  - Jim McKee, Senior Vice President, Federal Reserve Bank of Atlanta

Top Tech Trends - Business Technology Gets Personal
Business and personal technology are merging. Your employees and your customers expect and demand world-class technology that is easy-to-use, delivered in real-time, and available on a 24/7/365 basis. How does one meet this challenge and evaluate, select, and implement today's hot technologies? Learn the latest tech trends in this entertaining and interactive session. As an added bonus, updated for 2008 and sure to illicit spontaneous expressions of joy, Jimmy will present his latest list of gadgets and gizmos to make your personal life easier and more enjoyable.
  - Jimmy Sawyers, Vice President of Financial Services Consulting, Securas Consulting Group LLC