ATMDebit & Prepaid Forum

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Wednesday, October 03, 2007

 
Registration

9:00 AM
Registration Opens

Sponsored by





Pre-Conference Workshops

10:00 AM - 12:30 PM
Automate & Accelerate: Setting the Course for ATM Transformation

Not your ordinary presentation, Automate and Accelerate: Setting the Course for ATM Transformation will put you in the driver's seat as you kick off your conference experience. Hear what your customers REALLY think about their banks via videotaped "man on the street" interviews, and discuss how you can really create loyalty with an increasingly fickle customer base. Test drive the world's first bulk cash and check deposit ATM and see how Automated Teller Safes can increase efficiency in your branches. See for yourself how the ATM quickly accepts up to 50 checks at once deposited directly into the slot, and learn how your ATMs can personalize marketing messages to your individual customers. Also in the workshop, you'll hear from Wincor Nixdorf's US banking executives about the top trends and technology innovations driving change in banks' ATM strategies.

Alan Walsh
Vice President
Wincor Nixdorf USA

Sponsored by:





10:00 AM - 12:30 PM
Elevating Your Prepaid Program to the Next Level

As one of the fastest growing areas of electronic payments, prepaid is a hotspot and promises to be a potential revenue-cash cow for banks and financial institutions. In this workshop, you will learn about the history of prepaid, the current climate, and perspectives of everyone in the prepaid value chain. Against this backdrop, insights will be provided to make your prepaid program more successful.

Marilyn Bochicchio
President and Executive Director
Network Branded Prepaid Card Association

Sarah Grotta
EVP, Business Development
Springbok Services

Brad Hansen
EVP
Metapay

Sheree Herr
VP, Licensing & Partner Sales
American Express Incentive Services

Terrence P. Maher
Attorney
Baird Holm LLP

Talbott Roche
SVP, Product Development & Marketing
Blackhawk Network



10:00 AM - 12:30 PM
Using Debit Portfolio Data to Better Manage Fraud Risk & Loss

Debit industry players must begin to use their own data as effectively as fraudsters to regain the upper hand and manage debit fraud. Many fraud-related decisions today are just shots in the dark - made without the business intelligence that lies buried in portfolio data. The challenge is to extract, organize and analyze volumes of data in a way that yields actionable outputs. In this workshop, debit issuers and processors can learn:
  • How best to use and analyze their portfolio data to reveal the business intelligence they need to effectively manage debit fraud
  • Strategies for using their data to mitigate portfolio risk
  • Strategies for using their data to most effectively manage their portfolios


Jeff Trachtman
VP, Fraud Risk Analysis
Analytic Innovations LLC



2:00 PM - 2:45 PM
Keynote: Delivering the WOW Experience: Self-Service Convenience Extending Brand and Customer Loyalty

Hear how 'America's Most Convenient Bank' uses self-service to deliver a WOW experience, grow same store sales and increase core deposits. This presentation will describe how self-service and payments complement the branch and customer value proposition. Key themes will include:
  • The role of ATMs, including image deposits, Aptra, branding partnerships and support for market expansion
  • The Penny Arcade and other ways to delight customers
  • Debit & Prepaid cards - the opportunities and the challenges


Jack Allison
Director, Complementary Store Services
Commerce Bank



2:45 PM - 3:30 PM
Keynote: Debit, Innovation and Relationships: A New Dimension of Performance

Technology is a key driver behind the electronic revolution in the card marketplace. As such, MasterCard Worldwide, a true leader in the field, will discuss the ever-evolving technology practices along with the speed, convenience, flexibility and security of electronic payments and how that is fueling the displacement of cash and check; as well as the movement away from paper-based forms of payments and how this is creating significant opportunities for the industry.

Ann Camarillo
Executive Vice President, U.S. Market Development
MasterCard Worldwide



3:30 PM - 4:00 PM
Refreshment Break in Foyer



4:00 PM - 5:00 PM
Analyst Panel: Winners & Losers

What EFT networks are well-positioned to flourish in both the debit and the online world? What are the growth opportunities for prepaid and who will be the eventual "winner?" These and other questions will be answered by our panel of analyst experts, who will take the hottest topics of the year and "debate" them, in a pro/con style session. This one can't be missed!

Moderator:
Tony Hayes
Conference Chairman

Panelists:
Andrew Dresner
Director
Oliver Wyman Financial Services

Sanjay Sakhrani
SVP and Analyst, Specialty Finance, US Equity Research
Keefe, Bruyette & Woods



5:00 PM - 7:00 PM
Opening Night Reception and Exhibit Hall Opening

Sponsored by:





Thursday, October 04, 2007

 
7:15 AM - 8:15 AM
Continental Breakfast



8:15 AM - 8:30 AM
Chairman's Opening Remarks

Tony Hayes
Conference Chairman



8:30 AM - 9:15 AM
Keynote: Driving Deposit Sales, Share and Value

Bank of America opens more new checking accounts than any other bank in the country and maintains #1 deposit market share in its footprint and is #1 in Debit Card purchase volume. Hear some of the reasons behind that success, including how it leverages its innovative product offering and dominant distribution network to help create a compelling customer value proposition. You will learn how a diverse set of products and features can drive increased customer household profitability. This session will leave you with insight into how a large institution has leveraged major national programs and the power of its brand in tandem with specific market insights to drive customer loyalty and shareholder value.

Christopher Deville
Finance Executive - Checking & Debit
Bank of America



9:15 AM - 10:00 AM
Keynote: Leveraging Debit to Expand Into Credit: The Future of Cards

One of the largest debit card provider in the nation just became the newest credit card issuer. Please join Russell Randolph, head of Wachovia's debit card strategy, to learn about the opportunities and challenges Wachovia Debit Card uncovered through their consumer credit card launch and how the company is positioning itself for the future

Russell Randolph
Consumer/Small Business Debit Product Executive
Wachovia Card Services



10:00 AM - 10:30 AM
Networking Break



10:30 AM - 11:15 AM
Keynote: Developing Partner Strategies

Developing a partner strategy to achieve mutual growth and success is a common strategic initiative. This session will explore a nontraditional approach to this strategy by providing an alternative insight into maximizing your partners - by connecting your partners to each other to reach unique, volume driven and cost effective opportunities. Using China Union Pay as one such example, Discover Network will show how connecting your partners can help you build revenues in areas you may not have been able to tap into on your own. You will leave this session challenged to think outside the box for a fresh approach.

Gloria Colgan
SVP
Discover Financial Services



11:15 AM - 12:00 PM
Keynote: From Payment Transactions to Interactions: The New Meaning of "Service Excellence"

Know your customer' is an overworked business maxim, but businesses ignore its pithy wisdom at their peril. Hear why consumer expectations for personalized business relationships are higher than ever, and why you must leverage the information inherent in your payments channel to do more for your customer. This session will address payments industry convergence and describe scenarios for using consumer data to provide robust, targeted product and service responses.

Rahul Gupta
Group President, Payments
Fiserv



12:00 PM - 1:00 PM
Industry Innovation Session: What Drives Profits with Debit Rewards (and What Doesn't!)

Debit rewards are a hot topic today, but what really drives incremental profits? Our research and case studies show debit rewards require a very different model than credit cards rewards. In this session, you will see what makes debit drives rewards program success:
  • How a new segmented approach generates twice the revenue of typical debit rewards programs in place today
  • Why delivery of rewards significantly affects customer satisfaction and rewards success
  • How to set your program up to be "hands free" from compliance and regulatory requirements, with no liability on your balance sheet, no 1099s, no sales tax for gifts in kind and other issues
  • How to profitably include Merchant and Online Bill Pay strategies under your Debit Card Rewards model
  • How debit rewards are linked for rewards for other products and relationship banking services


Bob Giltner
President
Furnace, Giltner and Associates

Sponsored by





12:00 PM - 1:00 PM
Lunch



1:00 PM - 1:30 PM
Dessert in Exhibit Hall



Concurrent Sessions 1:30 PM - 2:15 PM

1:30 PM - 2:15 PM
ATM Track

Cross Channel Integration: Keys to Superior Customer Service and Business Growth

New opportunities for financial service providers exist everyday but the environment is also becoming more complex. Recent studies have shown that consumers want access to banking products and services whenever and wherever they need them. This session will provide insight into what customers are demanding and discuss how leveraging a shared interaction between your self-service delivery channels and other touch points can improve customer satisfaction and retention. This session will also discuss how this can be achieved while at the same time growing your base of highly profitable customers and increasing wallet share.

Moderator:
Keith Lewis
Director, Software & Services Marketing
Diebold

Panelists:
Jim Block
Director, Global Advanced Technology
Diebold, Inc.

Jackie Cook
VP & Assistant Director of Affiliate Branch Operations
Zions Bancorporation

Ralph Lindsey
SVP, Retail Automation
Union Bank of California



1:30 PM - 2:15 PM
Debit Track

Big Opportunities for Card Payments in the Small Business Marketplace

Small businesses are set to spend more than $5 trillion in the U.S. in 2007. Capturing a bigger slice of this enormous opportunity will require a better understanding of the payment needs of the 25 million U.S. small businesses. Visa has performed detailed segmentation and analysis in order to learn more about where and how small businesses want to pay. These insights are enabling innovative financial institutions to offer more sophisticated and comprehensive payment solution sets - which include business prepaid, debit and credit - specifically designed to help small businesses reap the many benefits of migrating spending from paper to plastic.

Lynn Heitman
SVP, Credit & Debit
US Bank

Raghav Lal
SVP, Small Business Products
VISA USA



1:30 PM - 2:15 PM
Prepaid Track

Economics of Prepaid Cards

This session will examine the present state of the prepaid industry and make predictions about the future with respect to products, players and opportunities. The economics of the prepaid business will be analyzed in terms of revenue drivers (fees, interchange, breakage) and costs (cards, processing expenses, marketing and customer service), concluding with recommendations to increase prepaid profits.

Matt Kerper
VP, Prepaid
Parago, Inc.



1:30 PM - 2:15 PM
Emerging Payments Track

Mobile Payments Panel

This session takes a deeper look into the mobile payments marketplace and opportunities and the likely ways in which adoption is and will be occurring.

Moderator:
Chris Allen
Senior Manager
Dove Consulting



2:15 PM - 2:20 PM
Session Change Break



Concurrent Sessions 2:20 PM - 3:05 PM

2:20 PM - 3:05 PM
ATM Track

ATM Deposit Automation

With the fast pace of today's consumers and technology, ATM Deposit Automation is swiftly taking over the industry. Consumers are more savvy and demand faster and more automatic transactions - thereby introducing the envelop-less ATM deposit. Here from the trailblazer, Wells Fargo, as they discuss the trials, tribulations and ultimate successes in converting their existing inventory into the 21st century.

Jonathan Velline
SVP
Wells Fargo & Company



2:20 PM - 3:05 PM
Debit Track

Driving Cardholder Profitability Via A Merchant Network

As issuers struggle to differentiate their debit and credit card rewards programs, downward pressure on interchange rates are also complicating the financial metrics that have traditionally enabled such programs. As a partial solution, banks have begun forming coalitions of non-competing retailers that underwrite card issuers' rewards funding in exchange for exclusive co-marketing exposure to bank customers. Is this type of arrangement really a win-win for both parties? In March 2007, Citizens Bank and Vesdia Corporation launched the largest bricks-and-mortar merchant coalition in the U.S., featuring more than a dozen national brands and nearly 11,000 physical locations. This session will feature key metrics from the program, in an effort to outline the hard and soft benefits to merchant networks and determine if the coalition rewards model has legs.

Peter Davis
President & CEO
Vesdia

William L. Koleszar
SVP
Citizens Bank



2:20 PM - 3:05 PM
Prepaid Track

Prepaid Reload Networks

Prepaid card spend grew by some reports at 53% last year with several segments growing much faster. Many argue that the key to prepaid cards becoming a mainstream payment vehicle will be the ability for cardholders to load cash and checks to their cards. While Green Dot and Blackhawk have been providing reload capabilities at retail locations for some time, both MasterCard and Visa have recently launch their own competing reload networks. Is their really a need for competing reload networks? Will card issuers participate in all of the reload networks or just one? What does all of this mean for prepaid cardholders and what should they expect from reload networks in the future. This session will take a deeper look into the future of prepaid reload networks.

Moderator:
Doug Dwyre
SVP, Product & Business Development - Prepaid & Loyalty
First Data Commercial Services

Panelists:
Mark Troughton
President, Cards & Network
Green Dot Financial Network

Talbott Roche
SVP, Product Development & Marketing
Blackhawk Network

Mike Wells
Senior Director, Financial Services
Incomm



2:20 PM - 3:05 PM
Emerging Payments Track

Alternative Card Based Payments

Lee Manfred
Partner
First Annapolis Consulting



3:05 PM - 3:45 PM
Networking Break in Exhibit Hall



Concurrent Sessions 3:45 PM - 4:30 PM

3:45 PM - 4:30 PM
ATM Track

ATM Branding

Hear from banking experts on the retail strategies for placing their bank brand on third party owned ATMs. Learn more about one of the hottest topics in the industry. Explore the economics and understand why bank branding is playing a key role in building stronger banking relationships.

Moderator:
Keith Myers
EVP
Cardtronics LP

Panelists:
Bryan Pisciotta
VP , Automated Channels
Citibank

Eric D. Tambor
VP, ATM and Electronic Payments
Sovereign Bank

James S.Walker
General Manager of ATM Group
PNC Bank



3:45 PM - 4:30 PM
Debit Track

Understanding How and Why Consumers Pay

Teri Koenke will share insights from the 2006/2007 Consumer Payments Usage Study, the 20th edition of a comprehensive survey sponsored by STAR Networks Inc., a First Data company. This study provides valuable insight and information about consumers' payment behaviors, attitudes and concerns. It explores ATM and debit point-of-sale usage as well as other payment options such as cash, checks and credit cards. New this year, a market segmentation analysis was conducted with the recognition that consumers have different preferences, as it is difficult to satisfy the needs of consumers with single, mass appeal products and services. Based on analyzing behavioral, attitudinal, psychographic and socio-demographic characteristics, the survey found that consumers fall into six distinct payment preference types - cash, PIN Debit, Cash/PIN Debit, Check, Credit Card, and Signature Debit. This discussion will also provide insight into consumers perceptions around branding as it relates to payments and ATMs.

Teri Koenke
Vice President, Marketing, First Data Debit Services
First Data Corporation



3:45 PM - 4:30 PM
Prepaid Track

Limiting Prepaid and Other Card Fraud

The increased popularity of prepaid and debit cards also makes them more susceptible to fraud. Deterring and detecting such fraud is crucial to maintain customer confidence in card transactions. While prepaid fraud is thought of as limited, the unfortunate truth is that prepaid services have a host of fraud issues, and prepaid cards are becoming increasingly popular among criminals. This session will focus on the most recent card fraud trends and what institutions can do to limit fraud and spot suspicious transactions.

Doug Johnson
Senior Policy Advisor
American Bankers Association



3:45 PM - 4:30 PM
Emerging Payments Track

Alternative Debit Approaches

Retailers are increasingly at odds with a pricing system that results in ever steeper interchange costs as consumers increasingly turn to card-based payments. Retailers are eager to win back control over their card acceptance costs through their own branded programs. HSBC, a leading issuer of retailer-branded credit cards, has teamed with Tempo Payments to offer a new loyalty rewards PIN-payment debit program that allows retailers to both process card transactions at a lower cost and also uniquely reward their customers with an affinity-based payment solution.

In this session, find out how and why HSBC is utilizing Tempo's network to deliver its OptiPay card solution to retailers.


Daniel Eckert
Head of Venture, Acquisition & Development
HSBC Card and Retail Services

Mike Grossman
CEO
Tempo Payments, Inc.



4:30 PM - 4:35 PM
Session Change Break



Concurrent Sessions 4:35 PM - 5:20 PM

4:35 PM - 5:20 PM
ATM Track

Self-Service Banking Kiosks

Self-service banking kiosks start where ATMs stop, adding greater functionality and convenience for customers. This session will describe two important ways in which financial institutions can utilize kiosks to enhance the customer experience. Case studies will be used to describe how these kiosks are being utilized in real-world situations with compelling results. Discussion will also include full function banking kiosks that replicate the capabilities of a teller and limited function kiosks that can be placed in branches to improve the efficiency of tellers by streamlining various basic transactions.

Bill Lynch
VP of Self Service Solutions
Source Technologies



4:35 PM - 5:20 PM
Debit Track

Best Practices in Data Breach Management

Data breaches have reached epidemic levels effecting millions of consumers every year. Data breaches also are expensive to manage from a card issuer's perspective and create a significant distraction from growing the business. This presentation will describe some best practices to help card issuers ensure that data breaches, and their downstream impacts, are managed effectively. Topics will include determining when/if cards be reissued; effective communications methods; effective strategies in mitigating fraud; and do's and don'ts from a PR perspective.

Angela Brown
SVP
Fifth/Third Bank

Chris Roberts
Consumer Debit Card Manager
Wachovia



4:35 PM - 5:20 PM
Prepaid Track

Consumer-Driven Healthcare Trends to Watch

The shift from traditional healthcare payments to consumer-driven healthcare creates historic opportunities for the payments industry. Prepaid employee benefits programs create a gain for everyone involved, while opening up a tremendous new segment for the prepaid industry. This session will identify industry developments that are driving change in health benefits and how payments companies and financial institutions are introducing products and services to both drive segment efficiencies and capitalize on the opportunity. Stacy Pourfallah, Visa USA, will discuss how Visa is working with its member financial institutions and the healthcare industry to offer the convenience, efficiency and security of electronic payments for healthcare consumers.

Stacy Pourfallah
VP
VISA USA



4:35 PM - 5:20 PM
Emerging Payments Track

The Intersection Between ATMs, Debit & Mobile Banking

Mobile banking, payments and marketing are key in the intersection between existing ATM and debit banking transactions. This session will address the three waves in mobile financial services and how it relates in the existing marketplace while exploring mobile banking and customer self-service; mobile payments and how they enable cell phones to initiate payments in the physical, point of sale and virtual worlds; and mobile marketing ways to utilize two-way interactive functionality for "review and release" transactions, alerts, loyalty programs, instantaneous location-specific offers, electronic coupons and the like.

Richard K. Crone
Founder
Crone Consulting, LLC



5:20 PM - 6:45 PM
Networking Reception



6:45 PM
Dinner with Tony Hayes & Partners

Join Tony Hayes and his partners for the annual conference dinner, in what is sure to be a fun and thought-provoking evening
  • Network with friends, old and new, during the cocktail reception before dinner
  • Enjoy a delicious dinner in one of La Costa's finest rooms
  • Hear Tony's views on the outlook for ATM deployers, debit and prepaid card issuers, merchants, and the networks and processors that support these transactions
  • Ask questions in an intimate, by-invitation-only forum
Sign up now for this exclusive event (dinner is an option with conference registration). Seating is very limited and demand promises to be high.

*Please click here for registration details.





Friday, October 05, 2007

 
7:15 AM - 8:15 AM
Continental Breakfast



8:15 AM - 9:30 AM
EFT Network Showcase

One of the Forum's highlights is the annual Network Showcase where the leading U.S. payment networks offer their perspectives on the changing marketplace, what banks and credit unions should do to succeed in this environment and why FIs should partner with their organizations. The discussion will also cover:
  • ATM: As card payments displace cash, is there still a role for ATMs? What role do surcharge alliances and branding partnerships play?
  • Debit: What are the pros and cons of debit rewards programs? Should FIs issue contactless debit cards?
  • Prepaid: What are the best prepaid opportunities for financial institutions?
  • Risk: What needs to be done to maintain the integrity and confidence of the payments system?
  • Ownership changes: Discover, NYCE and Visa are all changing ownership this year. What do these changes mean for the payments industry?
  • How should banks choose between the various networks?


Moderator:
Tony Hayes
Conference Chairman

Presenter:
G. Kirk Ergang
SVP
STAR Network, First Data Network

Jim Hanisch
EVP, Network Operations & Corporate Development & CAO
CO-OP Financial Services

Stacey Pinkerd
SVP, Consumer Debit Products
VISA USA

Patricia Preston
SVP
MasterCard Worldwide

Steve Rathgaber
President & COO
NYCE Payments Network, LLC

David Schneider
President
PULSE EFT Association, LP



9:30 AM - 10:00 AM
Networking Break



Concurrent Sessions 10:00 AM - 10:45 AM

10:00 AM - 10:45 AM
ATM Track

ATM Operational Excellence: Improving the Efficiency of the ATM Network

Improving the efficiency of your ATM network is key for the long-term success of your business. There are several options for ATMs and thorough analysis needs to be done to determine the efficiency program that each ATM fits into. Hear from ATM USA as they outline their unique solution to improve Wachovia's ATM network, covering issues such as providing a new billing structure to allow higher accuracy in predicting costs and how using and revamping exsisting Wachovia ATM machines could be converted to this new system without a costly system-wide machine replacement.

Brian Buerger
VP and ATM Operations Project Manager
Wachovia

Brad Nesbit
Director of Managed Services
ATM USA



10:00 AM - 10:45 AM
Debit Track

Trends in Merchant and Consumer Debit

This session will cover trends in the relationships between consumers and merchants, specifically updates in safeguarding account data; next steps to securing true contactless network relationships; and other hot topics in the marketplace today.

Bruce Cundiff
Senior Analyst
Javelin Strategy & Research



10:00 AM - 10:45 AM
Prepaid Track

International Trends in Prepaid: Where are the Next Growth Markets?

As more people around the globe look for safe, secure and convenient payment tools, prepaid products are often their first choice. Corporations, governments, retailers, healthcare, insurance and financial institutions are all looking for ways to reduce the costs of cash and checks and deliver more efficient alternatives. As one of the largest prepaid providers in the market, TSYS will share its experiences in Japan, Europe and the Americas.

Chris Truelson
SVP, Business Development, Strategy and Marketing
TSYS Prepaid



10:00 AM - 10:45 AM
Risk Management & Compliance Track

Perspectives on Card Payments Best Practices

Our panelists will interact with the attendees to discuss best practices in the card payments business from the perspective of a card association, a payments processor and a PCI and SOX examiner. The panel will offer opening comments on several related subjects from each of their perspectives and open the floor to questions and commentary from the attendees.

Moderator:
Paul Turgeon
VP
Dove Consulting

Panelists:
Rick Dakin
President
Coalfire

Mike Herman
Chief Compliance Officer
Chase Paymentech

Carol Jonak
VP, Debit Business Management
MasterCard Worldwide



10:45 AM - 10:50 AM
Session Change Break



Concurrent Sessions 10:50 AM - 11:35 AM

10:50 AM - 11:35 AM
ATM Track

Essential Elements of Effective ATM Cash Management

As financial institutions struggle with the rising costs of feeding the currency supply chain for their ATM networks, implementing an effective cash management strategy is more important than ever. Reducing the cost of currency requires a holistic approach to streamlining cash replenishments, transporting cash securely, and integrating with other service providers. Pendum Inc., in partnership with its customer Compass Bank, will provide an overview of several critical considerations for financial institutions seeking better control of their ATM cash levels, including: how today's advanced forecasting and route scheduling capabilities can maximize the efficiency of cash replenishments; how to safeguard ATM cash, employees and customers to reduce fraud and theft; and how to reduce ATM downtime by keeping everyone who touches the ATM on the same page.

Robert Malik
EVP
Pendum, Inc.

Robert Shaw
VP
Compass Bank



10:50 AM - 11:35 AM
Debit Track

The Future of Debit

This session will investigate the results of the 2007 Debit Issuer Study, a comprehensive study of the U.S. debit card industry commissioned by PULSE. This study offers insights into the current state of the debit card industry, as well as issuers' outlook on the future of debit cards. The study results cover topics ranging from issuer performance benchmarks and growth strategies to tools and techniques for managing risk. Debit card fraud trends, debit fees and debit rewards programs also will be addressed.

Leah Henderson
EVP, Sales
PULSE EFT Association



10:50 AM - 11:35 AM
Prepaid Track

Prepaid Issuers Panel

This panel with leading prepaid card issuers will discuss the pros and cons of different prepaid card programs including gift cards, payroll cards, incentive cards and healthcare cards. The panelists will share their thoughts on how they see the market evolving and tactics to stay ahead.

Moderator:
T. Jack Williams
President
eCommLink, Inc.

Panelists:
Ashish Kurani
VP, Strategy & Planning, Wholesale Internet & Treasury Solutions
Wells Fargo

Chris Martin
Obopay

Kevin Mullins
SVP, Electronic Services
IBC Bank



10:50 AM - 11:35 AM
Risk Management & Compliance Track

Debit Security in the PCI Age

Within the past 18 months, two separate data compromises at brand name retailers have radically altered the risk/reward paradigm which structured banker's beliefs in debit security. Despite major emphasis on fraud protection, issuers of debit and credit cards continue to feel the pain of data breaches, re-issuance costs and card holder anxiety. This session will provide the audience with insights into what happened and root causes; preventive techniques; the industry reaction; and how will this impact your PCI review.

Bruce Sussman
Senior Manager & PCI Market Leader
Crowe Chizek, LLP



11:35 AM - 11:40 AM
Session Change Break



Concurrent Sessions 11:40 AM - 12:20 PM

11:40 AM - 12:20 PM
ATM Track

A Credit Union Perspective on the ATM Market

ATMs are a critical delivery channel for credit unions, emphasizing member convenience without fees. But typically with fewer ATMs than banks, how can and should credit unions utilize ATMs to best serve their members? This panel will explore the role of ATMs from a credit union perspective, including ATM placement strategies; advanced functionality; and to "Fee or not to Fee."

Moderator:
Jim Hanisch
EVP, Network Operations & Corporate Development & CAO
CO-OP Financial Services

Panelists:
Kim Engman
Associate VP, Network Services
Navy Federal Credit Union

Don Gray
President
CU Anytime, LLC

Jon Kirk
Payment Services Manager
Utah Community Credit Union



11:40 AM - 12:20 PM
Debit Track

Best Practices in Retailer-Funded Rewards and Bank-Retailer Partnerships

The new direction in rewards programs revolves around retailers that fund rewards at a significantly higher rate than traditional bank-funded models. However, these rewards programs only work to the extent top-tier retailers agree to participate. Blockbuster, US Bank, and Affinity Solutions will tell you the secrets to making a partnership work. Hear first hand:
  • What it takes to create maximum differentiation, relevance and simplicity in a retailer-bank partnership
  • Why Blockbuster is going to market US Banks rewards program to their own customers
  • How Affinity Solutions is using transaction data to target cardholders with a high propensity to shop incrementally at Blockbuster
  • An innovative way to use retail partnerships to create cardholder experiences
  • An approach for extending retailer-funded programs across bank product lines to create the building blocks of a real enterprise rewards platform


Moderator:
Jonathan Gagliano
EVP
Affinity Solutions

Panelists:
Cheryl Hintz
Vice President
U.S. Bank

Scott Johnson
Senior Vice President
Blockbuster

Jonathan Silver
Affinity Solutions
President & CEO



11:40 AM - 12:20 PM
Prepaid Track

Migrating Government Disbursements from Check to Card

U.S. Bank began issuing prepaid cards in place of government child support enforcement program checks in 2001. Since that time, U.S. Bank has grown to be a leader in the state government disbursement card space enabling states to save money by significantly reducing their check issuing and processing expenses. As the applications and markets evolved, so have the requirements for prepaid card programs. In this discussion, Mr. Venturo will cover the key elements to a successful government program, differences between various government administered programs, and key considerations in offering and managing such programs.

Dominic Venturo
SVP, Chief Innovation Officer, Retail Payment Solutions
U.S. Bank



11:40 AM - 12:20 PM
Risk Management & Compliance Track

Network ATM Rules and Protecting the Payment System

This session will provide an overview of Network ATM Rules--their present state and the drivers behind them. Additionally, the session will cover emerging trends in ATM risk, such as new types of transaction fraud, and share insights about what Networks do to combat these trends.

Kevin Carroll
Senior Business Leader, Debit Channel Management
MasterCard Worldwide



12:20 PM
Conference Concludes



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