2011 Rules Changes
Bankerstuff Webinar
February 8, 2011
Speakers: Terri Pelle Sands, AAP and Kathy Barry Levin, AAP

Are you ready for the 2011 NACHA Rules changes? This webinar will cover the Rules changes that are effective in 2011, including the mobile ACH payments Rule and the expanded definition of Internet-Initiated Entries (WEB ), elimination of opt-out requirements for ARC and BOC, collection of Return Fees, expansion of the Destroyed Check (XCK) application, and Recurring TEL transactions. In addition we’ll discuss Rules Simplification, which is effective with the 2011 NACHA Operating Rules. The Rules Simplification initiative does not change basic content and meaning, but the Rules will now look very different. They will be organized by Participant Role, language will be clarified and more consistent, and redundant sections will be consolidated. The speakers will review the changes, provide answers to frequently asked questions, and provide an action item checklist for Rules Simplification.

Making the Call: Are Mobile Financial Services Right for You?
South Carolina Bankers Association 2011 Bank Operations Conference
February 16, 2011
Speaker: Kathy Barry Levin, AAP

Mobile financial services such as mobile banking, mobile RDC, and some types of mobile payments are becoming popular products for financial institutions of all sizes. Are these products right for your organization? The speaker will provide a brief industry update and an overview of the mobile banking and mobile payments landscape. The session will include a discussion of the regulatory framework that governs these emerging services, as well as security concerns, risk management, and the stumbling blocks encountered by financial institutions implementing a mobile financial services program.

Managing Payments Risk in 2011
South Carolina Bankers Association 2011 Bank Operations Conference
February 16, 2011
Speaker: Terri Pelle Sands, AAP

The payments landscape continues to evolve and this has led to both increased regulatory guidance and a greater focus on the risks associated with payment offerings. The speaker will briefly outline key risks of various payment methods, including traditional and emerging payment types, some of which simply utilize familiar payment delivery systems in innovative ways. The session will cover ACH, Remote Deposit Capture, and Wire Transfer as the speaker outlines the new challenges, threats and risks that bankers need to manage today, and discuss the expectations and requirements of risk management from both regulatory and best business practice perspectives.

ACH Risk Management
Bankerstuff Webinar
February 22, 2011
Speakers: Terri Pelle Sands, AAP and Kathy Barry Levin, AAP

The ACH delivery system has evolved from direct deposit, direct payment and corporate cash concentration to authorizations obtained via check conversion and truncation, over the telephone and through the internet. These newer ways to send payments electronically have led to increased volume in the network, which in turn has prompted additional guidance from regulatory bodies and a greater focus on how financial institutions are identifying, managing, and overseeing the ACH risk on an ongoing basis. In addition, the National Automated Clearing House Association (NACHA) requires all financial institutions to perform a risk assessment of its ACH program. This session will focus on the different types of risks associated with ACH, the expectations and requirements of risk management from regulatory, rules making and best business practice perspectives and how to maintain the integrity and effectiveness of your ACH Risk Management program on an ongoing basis.

Fraud and the ACH Network
Bankerstuff Webinar
March 15, 2011
Speakers: Terri Pelle Sands, AAP and Kathy Barry Levin, AAP

As with any payment system, fraud can and does occur in the ACH Network. Business customers seem to be increasingly under attack by fraudsters and at risk for corporate account takeover, where cyber-thieves gain control of a business’ bank account by stealing the business’ valid online banking credentials. Learn how corporate account takeover occurs, how a financial institution can help protect itself and its customers from it happening, methods to monitor and detect corporate account takeover, and what steps to take in response when it happens at your organization.

Corporate Account Hijacking: Closing the Fraud Gap
NACHA’s Payments 2010
Austin, Texas
April 3 - 6, 2011
Speakers:
Gary Franklin, CFO, MedLink Georgia, Inc.
Kera Schaley, AAP, Operations Officer, First American Bank & Trust
Terri Pelle Sands, AAP, Managing Director, Payments Information Circle

With corporate customer fraud on the rise, there is growing concern about how to protect corporate customers from account hijacking. This session details how a community bank and its corporate customer detected this type of fraud in an unusual manner, how the financial institution reacted to this attack, information obtained from the money mule, and significant changes the bank made not only to resolve the immediate situation but to also overhaul its ACH risk program, while staying on-budget. Attendees also learn how one attack completely changed the risk management approach of the corporate customer, the financial institution, executive management, and the board of directors from a fraud and credit perspective.

RDC: Past Present and Future
Bankerstuff Webinar
April 15, 2011
Speakers: Terri Pelle Sands, AAP and Kathy Barry Levin, AAP

Remote Deposit Capture (RDC) continues to expand and is no longer limited to merchant/corporate capture or branch or ATM capture. Consumer and Mobile Capture are becoming increasing popular products for financial institutions of all sizes. Are these products right for your institution? How can you increase your odds of a successful implementation? Do you understand the risks and regulatory expectations for these new products? The session will provide a brief overview of RDC past, present and future and examine the risks and benefits of offering consumer and mobile capture.

Managing Payments Risk in 2011
Jack Henry Mid-South User Group Spring Conference
April 26, 2011
Speakers: Terri Pelle Sands, AAP and Kathy Barry Levin, AAP

This session will briefly outline key risks of various payment methods, including traditional and emerging payment types. It will then cover ACH, Remote Deposit Capture, and Wire Transfer and outline the new challenges, threats and risks that bankers need to manage today.

ACH & RDC: From “Risky Business” to “It’s a Wonderful Life”
IAPP-IARP-TAWPI’s FUSION 2011
Orlando, Florida
May 8 - 12, 2011
Speaker: Kathy Barry Levin, AAP, Managing Director, Payments Information Circle

In this period of seemingly endlessly changing regulations and increased fraud, it is more important than ever that a corporation understand the risks involved in ACH and RDC, and what steps it should be taking to monitor, manage and mitigate those risks. This session will look at the operational, compliance and fraud risks for a company utilizing the Automated Clearing House and/or Remote Deposit Capture and provide best business practices to help ensure the company is protected.

Mobile 101
Bankerstuff Webinar
July 7, 2011
Speaker: Kathy Barry Levin, AAP

Mobile banking, mobile RDC and mobile payments are becoming increasingly popular offerings, but often these terms are used interchangeably and it is difficult to distinguish hype from reality. In this introduction to mobile, the speaker will define common terms and examine how these different products and services work. In addition, the session will provide an industry update on the current mobile banking and payments landscape in the United States.

Mobile Banking: Risks and Regulatory Concerns
Bankerstuff Webinar
July 21, 2011
Speaker: Kathy Barry Levin, AAP

The mobile banking landscape is evolving rapidly which creates rapidly changing risks and regulatory concerns. The speaker will briefly outline the key risks involved in mobile banking today and discuss the issues, challenges and strategies for minimizing exposure and managing the risks for this service. The session will also include a discussion of the regulatory and compliance issues including the existing regulatory framework that governs mobile banking, if additional guidance is needed, and where potential gaps may occur.

Getting Started with Mobile Financial Services
Bankerstuff Webinar
August 18, 2011
Speaker: Kathy Barry Levin, AAP

How do you decide if mobile financial services such as mobile banking, mobile RDC, and/or mobile payments are right for your financial institution? What is the impact of offering – or not offering – your customers these services,? The speaker will discuss both the opportunities and stumbling blocks encountered by financial institutions implementing mobile financial services offerings. The session will include case studies of community banks detailing the reasoning behind their decision to offer these products and lessons learned during and since implementation.