Tuesday, February 12, 2019

Registration & Continental Breakfast


Chairman’s Welcome & Opening Remarks


Opening Keynote- UX Visionary Speaker on Reinventing the Human Experience


Panel Discussion: Banking Transformation: Creating and Harnessing Change Within

  • Reinvent the consumer journey
  • Leverage the power of data
  • Redefine the operating model
  • Build a digital driven organization

Louis CoxBanking OperationsMonzo Bank

Barbara Morgan.EVP, Head of DevelopmentrFIS Global

Peter Hazou.Business Strategy Leader & Dir of Business DevelopmenrtMicrosoft

Monzo is a digital, mobile-only bank, established by bankers, and was one of the earliest new-app based challenger banks in the UK. Originally operating through a mobile app and prepaid debit card, Monzo now offers currents accounts and is rapidly disrupting and changing the way we bank. Peter Hazou is Director of Business Development at Microsoft in the World Wide Financial Services Industry Group focused on digital transformation and payments.  Prior to joining Microsoft, Peter was a payments industry banker for nearly 30 years and spent much of his career holding various roles supporting the EMEA region at BNY Mellon, UniCredit, HSBC, Citigroup and Chase Manhattan Bank.


Panel Discussion

Update on the Regulatory Environment and Recent Payment Changes The changes in technology and consumer behavior have altered the payments landscape which have greatly transformed the regulatory environment. How do these changes affect UX for your organization

  • PSD2
  • Secure Payments Taskforce
  • Regulation cc amendments- regulation of checks
  • NACHA operating rules and same day ACH
  • NY’s UCC 4A
  • Consumer transactions governed by Regulation E
  • RDC indemnity- Remote Deposit Capture Indemnity

Marsha JonesPresidentThird Party Payment Processors Association

The Third Party Payment Processors Association is a not-for-profit membership association. TPPPA members are payment processors, banks and vendors that support third-party payment processing. TheAssociation advocates on behalf of third-party payment processors, their financial institutions, and the merchants and consumers who benefit from the payment processing system.


Panel Discussion Blockchain Strategies to Transform UX in Your Organization

  • Payments: By eliminating the need to rely on intermediaries to approve transactions between consumers, blockchain technology could facilitate faster payments at lower fees than banks
  • Securities: By tokenizing traditional securities such as stocks, bonds, and alternative assets, the blockchain is overturning the structure of capital markets
  • Loans, Credit & Liquidity Access: By removing the need for gatekeepers in the loan and credit industry, the blockchain can make it more secure to borrow money and provide lower interest rates along with access to capital from traditional financial instruments
  • Regulatory environment

Barbara MorganEVP, Head of DevelopmentFIS Global

FIS Global’s Barbara Morgan serves as the head of development of Integrated Financial Solutions, the primarily North-American business segment of FIS. Prior to joining FIS, Barbara held a variety of positions including technical executive software engineering and director of information technology for Capital One, where she was responsible for the application development teams both for partnerships and card. She also held development leadership roles and technical roles at several companies including EDS, AIS, Devon, Boeing and Lucent Technologies.


Networking Break


Case Study: Transforming Clearance and Settlement Systems Efficiency with Ripple

Hear from the experts at Ripple on Blockchain technology and distributed ledgers effect on reducing operational costs and bringing us closer to real-time transactions between financial institutions.


Cryptocurrency in a Regulated World: How to Integrate Cryptocurrency within Existing Regulations

Tim SloaneVP, Payments InnovationMercator Advisory Group


Customer-centered Product Innovation & Building Magical Payment Experiences with Google

  • Learn how mobile payments are shaping the new user experience standards for commerce & look at how tomorrow’s consumers might transact
  • Also learn how Google puts our customers at the center of product and design innovation with Google values and user experience principles.
  • Understand how Google Pay is bringing simple and secure payments to the world

Skip AllumsDesign LeadGoogle Pay

Skip Allums is the lead designer and manager at Google Pay. As a published author on the book of mobile payments user experience best practices, his extensive resume includes building and leading design teams at PayPal, Capital One and Monitise/Visa.

12:30-1:45 Networking Lunch

Afinis Standardized APIs:

Setting the Stage for the Future of Financial Services Without standardization, it is difficult to reap the full potential of APIs in any industry. For financial services and payments, API standardization can be transformational, driving market adoption, increasing agility, and creating novel, online customer experiences.

  • How are private APIs used within a traditional banking organization to reduce friction and enhance operational efficiency?
  • How can partner APIs be utilized to enable the expansion of product lines and other channels?  How do you ensure data is safe and secure with open APIs?

Afinis, comprising of leaders from diverse segments of the financial services industry, is working to further efforts to standardize the use of APIs in the industry and create a standardized API ecosystem that enhances support of the payments and business needs of industry participants.  Join us as we explore the potential of API standardization to transform financial services.

Kathy LevinSr Director, ACH Network RulesNACHA

NACHA’s Kathy Levin is responsible for various network development initiatives and works primarily with Afinis Interoperability Standards.  Before joining NACHA, she co-founded Payments Information Circle and worked with organizations, Georgia ACH Association & Federal Reserve Bank of Atlanta.


Panel Discussion: Fraud and Cyberattack Prevention As global cyberattacks rise, regulators focus on data-privacy law:

  • Data breaches and cyberattacks are rising in frequency and intensity, banks must focus on complying with these laws
  • Update on recent attacks: Equifax and the Wannacry ransomware attack
  • Stronger regulations: EU’s general data protection
  • NY Dept of Finance’s regulation on cybersecurity
  • Digital identity
  • Secure element
  • Geo-locations
  • Interoperable cryptographic keys

Michael KnorrHead of Payment & Liquidity Risk ManagementWells Fargo


Biometrics for Authentications Update

Mobile banking is entering a new era of security and convenience, and as cyberattacks increase in frequency and sophistication, banks must turn to advanced authentication to protect customer data. Here, all the latest technologies are discussed with complete understanding of efficacy

  • Fingerprint Recognition is still ahead of the game
  • Iris and Facial Scanning gaining popularity
  • Multilayered Security
  • Effect on customer experiences.


Networking Refreshment Break


IoT Innovations that Drive Change: How US Bank is Reshaping Bank Business

Douglas Nielson Senior Vice President, Innovation Research &Development US Bank

Doug leads the Research & Development team which focuses on exploring emerging trends, technologies & business models; engage and cultivate Fintech startups; deliver prototypes and conduct proofs of concepts. He also manages the Distributed Ledger/blockchain technology practice, and spearheaded U.S. Bank’s initial participation in the open API economy.


Panel Discussion Re-creating Human Experiences in a Digital World to Engage Customer: Improve UX to Deliver Strong ROI for Your Organization

  • ML
  • RPA
  • Voice & other conversational interfaces
  • Data revolution & predictive analysis
  • Virtual Reality
  • Augmented Reality

Joseph DickersonUX Architect Microsoft


Panel Discussion How Immediate or Faster payments Change the Game for Banks

  • P2P – P2P mobile payment applications that allow customers to send and receive immediate payments could move P2P payments away from cash, and insurance companies can use immediate payments to quickly settle a claim with customers
  • B2B – Immediate payments enable businesses to improve working capital by offering improved invoicing terms and just-in-time stock management along with same-day cross-border payments for international businesses
  • Innovative and useful products and services built on an immediate payments infrastructure can help meet consumer and business needs, leading to greater satisfaction among bank customers

Archana Prasad Senior Director,Visa Direct (RTP) Visa

Irfan Ahmad Senior Vice PresidentThe Clearing House

Ken KruszkaCEO SnapCheck

Amit BeesonSenior Director,Products & StrategyAlacriti

Visa Direct is an easy, low cost and secure solution to send money anywhere in the world.Moneytransferred securely and easily from bank account to any other account through any VISA debit card, credit card or prepaid card.

The Clearing House is a banking association and payments company that is owned by the largest commercial banks and dates back to 1853 while owning and operating the core payments system infrastructure in the United States and is the only private-sector ACH and wire operator in the United States, clearing and settling nearly $2 trillion in U.S. dollar payments each day, representing half of all commercial ACH and wire volume. Most recently, The Clearing House launched RTP®, a real-time payment system for all U.S. banks.

Ken Kruszka, Founder & CEO of SnapCheck, is a fintech and payments pioneer.  During his 15+ years in fintech, Ken has led the creation of numerous firsts, including the first mobile remittance service in the US, the first global mobile bank account and he was the first person to send $1 around the world by mobile. With SnapCheck, Ken is dedicated to eliminating paper checks and helping businesses cross the digital divide and join the world of electronic payments.  In addition, Ken is a member of the Fed Improvement Project: The Business Payments Coalition.

Alacriti provides financial services and payment technology solutions to companies in the financial services, healthcare, insurance, and utilities industries, offering payment processing solutions, software, services and technology. Alacriti has a successful track record in delivering technology solutions for some of the world's largest financial services organizations in the areas of global payments, retail banking, wholesale banking, credit cards, and international remittances.


Panel Discussion Deploy a Valuable Immediate Payments Infrastructure Plan in Your Organization

Adoption and usage of UX that drives customer engagement and bottom line Panel Discussion

Which technologies are the best to partner with that guarantee real solutions

  • How to deploy and integrate AI applications
  • Fraud & security
  • Data privacy
  • Faster payments

Tim MillsVP The Clearing House

Tim Mills is a VP at The Clearing House Payments Company, the oldest clearing house and only full- service, private sector payment network operator. Mr. Mills holds the Accredited Automated Clearing House Professional credential and has served as a member of the NACHA Payments Institute Board of Regents, Risk Management Advisory Group.


Networking Cocktail Reception

Wednesday,February 13 2019



Panel Discussion

Promising Disruptors on the Rise

Alternative Payment Channels are changing the payments game

  • Where is payments moving?
  • Why are customers embracing these new technologies?
  • P2P Transactions- paypal, zelle and venmo
  • Mobile commerce (mCommerce)- why payment wearables is the hope to be successor to mobile
  • Payment wearables- aka tap and play wearables, derived from IoT

Di Di ChanPresident & Co-Founder Future Proof Retail

Norman MarracciniVP, Product Management & Marketing, DigitalPayments FIS Global

FutureProof Retail is a New York-based company with the mission of bringing affordable frictionless shopping technologies into physical retail stores. FutureProof leads in providing simple, quality, and customizable Mobile Checkout and Mobile Order Ahead solutions for retailers. FutureProof Retail’s global vision have brought their solutions across five different retail verticals onto three continents and growing.


Panel Discussion Adopting a Tech Smart Strategy Utilizing the Partners Right for You

While obligatory regulatory changes have placed pressure on bank resources, banks must now prioritize adopting a new technology-focused strategy. How to find the right technology partners whom will provide the most advantageous solutions:

  • Reduced Costs
  • Improved information management
  • Real-time reporting and analytics
  • Improved risk management
  • Bank agnostic strategic payment independence
  • Increased control, compliance & governance

Marsha Jones,President Third Party Payment Processors Association

Jake Hershman,Head of Payments Hello Fresh

Marsha Jones is the President of the Third Party Payment Processors Association(TPPPA). She helped to establish the TPPPA, which formed in 2013, and lead the effort to distinguish regulatory concerns related to third-party payment processing, as part of the effort to create industry best practices for payment processors and their banks. Marsha is a Certified Anti-Money Laundering Specialist (CAMS), an Accredited ACH Professional (AAP) and an Accredited Payments Risk Professional (APRP) with over 20- years in the banking and payments industry.

Jake Hershman is the Head of Payments for HelloFresh, where he leads the payments, fraud, and riskmanagement functions across North America. Previously, he was a member of the Strategic Planning Group at American Express and a member of the Web Payments Working Group at W3C and X9 Financial Industry Standards board.

Case study How MasterCard got to the Forefront in Payment Innovations; and How it Plans to Stay on Top While Thriving:

  • IoT, VR, and Faster payments
  • Masterpass
  • Tokenization program
  • Mobile Solutions


Networking Break


Deploy your Greatest Asset -- your Company’s Human Capital: Optimal Employee Engagement to Drive UX Productivity

  • Motivate frontline employees to provide the best possible experiences
  • Best practices in tools and trainings
  • Utilize company resources to find, recruit and onboard quality talent
  • Compose an ideal candidate profile and discover how to attract

Louis Cox Banking OperationsMonzo Bank

Monzo’s Louis Cox will explain the Human Capital side of things along with how team structure and culture sets their people up for success. Louis Cox joined Monzo on the Customer Support Team for the pre-paid card product. Since Monzo released a full UK current account product, Louis moved over to the Payments Team to focus on Banking Operations. Since then, he has helped scale their teams, people and processes to serve over a million customers.


Networking Break


Authenticating and Securing eCommerce Through New Standards

With eCommerce continuing to be the primary target for card fraud, new standards are being developed to help provide merchants with new tools to secure transactions.  However, the creation of multiple standards has caused confusion and may be slowing overall industry progress.  Learn from a industry experts on how W3C, FIDO, EMVCo, and others are building the next wave of eCommerce standards.

Scott HarkeyGlobal Payments Practice Leader, Levvel Advisor, Cloosiv


Making Payments Integration Seamless: How Citi Transformed the Mobile User Experience

Michael Berner,Managing Director, Member of the Executive Board AO Citibank, Citi

Michael Berner heads the Consumer Business of Citi in Russia since December 2012 and is a member of the Management Board of AO Citibank. Prior to his current appointment, Michael had served as Citi Russia’s Consumer Lending Head for 3 years and was responsible for the bank’s lending products for retail customers: credit cards, personal loans, mortgages and overdrafts. Michael served as Head of the Credit Cards Business and was responsible for determining the business strategy and financial results of this business. Under his leadership, innovative cards projects, including the first loyalty program for retail clients in Russia was implemented. Michael Berner also worked in the regional office of Citi in London, where he oversaw the development of channels for distributing credit cards in 24 markets in the EMEA region.


How your data can drive greater impact on your bottom line

  • Leverage customer insights to discover growth opportunities
  • Measure the revenue impact of incremental UX improvements and grow your team
  • Implement a rigorous experimentation program that consistently shows positive bottom line impact

Conference Concludes