EPCOR PAYMENTS CONFERENCE – FALL 2015October 26 – 28 | Overland Park, KS

ABOUTThe mission of EPCOR is to provide our members with the knowledge, support and industry representation necessary to succeed in the ever-evolving electronic payments business.

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:

$495 Member or 5 Education Club Points$990 Non-Member

Optional Pre-Conference Workshop Fees:$99 Conference Attendee or 1 Education Club Point$139 Member, Non-Conference Attendee$250 Non-Member, Non-Conference Attendee

EPCOR Payments Conference – Fall 2015

EPCOR, as a Direct Member of NACHA, is a specially recognized and licensed provider of ACH education, publications and support.

SHERATON OVERLAND PARK HOTELOCTOBER 26 – 28, 2015

Keynote Session

General SessionsSame-Day ACH Implementation Moderator: Wendy Wishon, AAP, NCP, EPCOR; Panelists: Brian Guess, AAP, KeyBank; Susan Morris, Pulaski Bank The September 2016 implementation for Phase I of Same-Day ACH will impact all aspects of FI ACH operations and client offerings. Understanding Same-Day ACH and preparing your institutions and customers will be critical to implementation and compliance over the next several months. This panel discussion includes implications of both sending and receiving Same-Day ACH transactions; managing daily multiple ACH settlements; educating staff and customers; and planning an implementation strategy. Hear what various size organizations consider are some of the most important aspects of implementing Same-Day ACH.

Secure Payments Task Force Barb Pacheco, Federal Reserve Bank The Federal Reserve launched its Secure Payments Task Force in June to support a shared vision for a U.S. payment system that is safe and secure, responsive to changing threats and maintains the public’s confidence. The task force includes a diverse set of payment stakeholders, including security leaders and experts who are exploring areas of focus and priorities for future action to achieve this goal. Ms. Pacheco will provide a progress report on task force activities, which include working with the Federal Reserve’s Faster Payments Task Force to identify alternatives that are both fast and secure.

EMV – Stakeholder Perspectives on the U.S. Adoption Moderator: Gary Yamamura, Edept, LLC. Panelists: Hap Huynh, VISA; Kevin Christensen, SHAZAM; Steve Cole, Vantiv; Dennis Wegner, UMB The U.S. has begun its migration to the computer chip-based card technology known throughout the world as “EMV.” The key facilitators of the payments industry, the card networks, merchant processors, payment gateways, debit networks, ATM operators and merchants are separately evaluating the cost, timing and technology required to facilitate that migration. This panel session features several industry stakeholders that will discuss the impacts of EMV on their organization, providing an opportunity for the audience to hear and understand the benefits, costs, impacts and challenges of EMV from their very diverse perspectives.

*Approved for up to 1.5 CTP/CCM recertification credits by the Association of Financial Professionals.

A Window Into the CFPB Krista Ayoub, CFPB Find out what’s going on at the CFPB, including what the bureau’s priorities are with respect to consumer payment products and services.

How Banks Can Step Up To Bat on Cybersecurity Dr. James W. Gabberty, MBA, MS, CISA, CISM, GISP, GCIH, Pace UniversityRather than wait until after a data breach to increase information-security investments, banks should put into place practices that help prevent cyberattacks in the first place. Find out from a systems expert the steps you can take to secure your data from a cyberattack.

Wendy Wishon

Dr. James Gabberty

Faster Payments: Same-Day versus Real-time Moderator: Russell Oatman, FNB Omaha Panelists: Ken Isaacson, Federal Reserve Bank of New York; Tim Mills, AAP, The Clearing House; Jane Larimer, NACHAThis informative session will clarify why this industry is working towards moving payments faster and what new opportunities will be created in the process for financial institutions, Originators and Receivers. Hear from industry leaders that are exploring ways to move payments faster. Explore how Same-Day ACH and Real-time payments are complementary initiatives, individually designed to support specific use cases.

*Approved for up to 1.5 CTP/CCM recertification credits by the Association of Financial Professionals.

Tim Mills

Jane Larimer

Russell Oatman

Gary Yamamura

Barb Pacheco

Visit www.epcor.org to register!

Gain a Competitive Advantage on

The Road to Knowledge!Bringing payments professionals of all backgrounds and skill sets together for the most economical and “must-attend” regional event for electronic payments education, EPCOR Payments Conference – Fall 2015 is the place to gather the vital information you need to gain an edge in the payments business. Whether your niche is payments strategy, operations, risk management, fraud mitigation or compliance, you will find this and more in Overland Park, Kansas..

Featuring 26 information-packed sessions, an optional pre-conference workshop, vibrant exhibit hall, exclusive gala reception and networking luncheon, EPCOR Payments Conference – Fall 2015 provides you a well-rounded experience with the joint opportunity for education, collaboration, networking and even a few laughs. Don’t miss your chance to learn from national-caliber speakers, explore new solutions and collaborate with your peers. Start your journey by registering today.

Expert presenters will provide meaningful, relevant and thought-provoking education for all payments professionals, including the following timely issues:

• Faster Payments: Same-Day vs. Real Time• Same-Day ACH Implementation • EMV – Stakeholder Perspectives on the U.S. Adoption • Third-Party Vendor Management• Understanding Tokenization• RDC Audit & Compliance: Lessons Learned from the Battlefield• New this year: a Card Track sponsored by SHAZAM!

As always, a very good and well-planned conference. An event that should not be missed.

—Toni Bernard, Fiserv

I try to attend the conference every year because it is a great way to get my AAP credits and it always has great content.

—Jason West, Fidelity Bank

Experience first-hand why more than 400 payments professionals

join us on The Road to Knowledge every year!

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 14.5 continuing education credits for EPCOR Payments Conference – Fall 2015. Sessions may also be eligible for CTP/CCM and NCP credits.

Hotel Information

Registration

Dress Code

Continuing Education Credits

The registration fee for EPCOR Payments Conference – Fall 2015 is $495 or 5 education club points for EPCOR members and $990 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.

Sheraton Overland Park Hotel 6100 College BlvdOverland Park, Kansas 66211Phone: 913-234-2100

A special conference rate of $164 single/double plus tax has been negotiated for conference attendees. To make a reservation, call 913-234-2100 and mention you are attending EPCOR Payments Conference – Fall 2015, or reserve your room online at:

https://www.starwoodmeeting.com/events/start.action?id=1501152506&key=797170F

Don’t miss this Two-hour EMV Workshop!The Hitchhiker’s Guide to the EMV GalaxyGary Yamamura, Edept, LLC Originally developed in 1994, the EMV specifications have become the worldwide standard for secure, computer chip-based credit and debit cards and payment terminals and, as of early 2013, are used by over 2.3 billion bankcards throughout Europe, Africa, the Middle East, the Asia Pacific region, Canada and Latin America. The United States has, to date, been noticeably absent from this list, choosing instead to rely on the five decade old magnetic strip technology. For issuers and merchants in the U.S., the status quo will change dramatically over the next few months and years as adoption of EMV finally occurs. This workshop will provide a high level view of the issuers’ and merchants’ business cases for EMV, the pros and cons of, as well as the alternatives for adoption, and the technology and business options that must be considered once the decision to implement EMV has been made. Also included in the workshop will be explanations on the linkage between EMV, tokenization, and contactless payments via card and mobile devices. Attendees should obtain an understanding of the major card networks’ plans for conversion of the U.S. payment systems infrastructure to EMV and a checklist of the key considerations and steps needed to choose and ultimately implement EMV card issuance or acceptance capability.

Gary started from square one, instead of assuming that everyone knew all about EMV.

—Lisa Goering, McPherson Coop Credit Union

Optional Pre-Conference Workshop*Additional fee to attend. See below for details.

Visit www.epcor.org to register!

*Pre-Conference Workshop Fees:$99 Conference Attendee or 1 Education Club Point

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

Workshop will take place on Monday, October 26 from 9:00 a.m. – 11:00 a.m.

Gary Yamamura

Special ThanksCard Track Sponsor Gold Sponsor

Bronze SponsorsSilver Sponsor

Luncheon Co-Sponsor

Exhibitors

Sponsor and Exhibitor Opportunities Are 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/docs/2015_vendor_reg_EPCOR.pdf

Visit www.epcor.org to register!

an IBM Company

The way America gets paid.™

®

Lanyard sponsor

Monday, October 26

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 ($99 additional fee)

The Hitchhiker’s Guide to the EMV Highway Gary Yamamura, Edept, LLC

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. Opening Comments/General Session Faster Payments: Same-Day versus Real-time Moderator: Russell Oatman, FNB Omaha Panelists: Ken Isaacson, Federal Reserve Bank of New York; Tim Mills, AAP, The Clearing House; Jane Larimer, NACHA

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 AC H T r a c k C h e c k s / O t h e r T r a c k F r a u d / R i s k T r a c k C a r d s T r a c k

Understanding Payments Tokenization Tim Mills, AAP, The Clearing House

Originating ACH in a Same-Day Environment Fred Laing II, AAP, CCM, NCP; UMACHA

Business Customer Intelligence for Better KYC Jane Hennessy, G2 Web Services

Card Payments Overview Diana Kern, AAP, SHAZAM

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 Same-Day ACH Implementation Moderator: Wendy Wishon, AAP, NCP, EPCOR; Panelists: Brian Guess, AAP, KeyBank; Susan Morris, Pulaski Bank

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

Tuesday, October 27

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 a.m. G e n e r a l S e s s i o n Secure Payments Task Force Barb Pacheco, Federal Reserve Bank

9:45 a.m. – 10:15 a.m. V e n d o r S h o w c a s e s ACH Alert Argos Risk Centrix Solutions CFC Technologies Laru Technologies SHAZAM

10:15 a.m. – 10:30 a.m. T r a n s i t i o n 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 An Update on Payment Systems Initiatives Karen Sylvester, AAP, CRCM, NCP, EPCOR

Insights Into Potential RDC Litigation: Legal Issues and Reasonable Commercial Standards Paul Carrubba, Adams & Reese, LLP; Mary Hockridge, Mobile Strategy Partners

Risk & ACH Mary Gilmeister, AAP, NCP, WACHA; Fred Laing II, AAP, CCM, NCP, UMACHA

How Realtime EFT Works Diana Kern, AAP, SHAZAM

11:30 a.m. – 12:45 p.m. EPCOR Recognition Luncheon Co-Sponsored by NACHA and MIBA

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 RDFI Risk Alert Service – How to Make It Work for Your FI Paula Edwards, AAP, Federal Reserve Bank; Leigh-Anne Taylor, NBC Oklahoma

Leveraging the Small Business Payments Toolkit to Help Your Small Business Customers Adopt ACH Peter McVey, AAP, NCP, Lead Bank; Mary Hughes, Federal Reserve Bank

Third-Party Vendor Management – Best Practices Steve Cosentino, Stinson Leonard Street LLP

Talking to Your Customers About EMV Kevin Christensen, SHAZAM; Alecia VanderPlas, Bank Iowa

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 Implementing an International ACH Payments Program Jorge Jimenez, Federal Reserve Bank; Brian Baird, Bank of Labor; Doug Judd, Propio Language Services

RDC Audit & Compliance: Lessons from the Battlefield Kevin Olsen, AAP, NCP, EASTPAY

Managing Risks and Pricing in a Same-Day ACH Network Elliott McEntee & Rajiv Donde, Laru Technologies; Patti Green, Fremont Bank

Taking A Bite Out of ApplePay Matt Pfaltzgraf, SHAZAM

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 EMV – Stakeholder Perspectives on the U.S. Adoption Moderator: Gary Yamamura, Edept, LLC. Panelists: Hap Huynh, VISA; Kevin Christensen, SHAZAM; Steve Cole, Vantiv; Dennis Wegner, UMB

Wednesday, October 28

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 A Window Into the CFPB Krista Ayoub, Consumer Financial Protection Bureau (CFPB)

9:00 a.m. – 9:10 a.m. T r a n s i t i o n 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 Driving Innovation from Inside: CBW Bank’s Transformative Approach to Payments Suresh Ramamurthi, CBW Bank

Electronic Payment Orders Phyllis Meyerson, AAP, CCM, ECCHO; Brian Guess, AAP, KeyBank

Tips for Conducting Your ACH Risk Assessment Amy Donaghue, AAP, NCP & Kimberly Martin, AAP, EPCOR

The Evolution of P2P Payments Matt Pfaltzgraf, SHAZAM; Jessica Trundley, AAP, Federal Reserve Bank of Atlanta

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 How Banks Can Step Up to Bat on Cybersecurity Dr. James Gabberty, MBA, MS, CISA, CISM, GISP, GCIH, PACE University

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

EPCOR Payments Conference – Fall 2015 Agenda