10:30 AM - 1:00 PM

Workshop A

Who's the Boss? Banks and Consumers -- Competing Viewpoints on Self-Service

In the "back to basics" banking discussion, the bank branch has taken the pole position. While banks want consumers to come into the branch for cross-selling opportunities, customers are becoming more and more accustomed to self-service in their consumer activities. Whether shopping online, checking out at the supermarket, or checking in at the airport, consumers are looking for more speed and convenience and less human contact. This session will review what constitutes successful deployment of self-service from both the banks'; and the consumers' standpoints. We will discuss branch kiosks, ATMs, and mobile banking and the session will then evolve into an interactive workshop to discuss implementation strategies, successes, and challenges.

Workshop Leader:

Nicole Sturgill

Research Director, Delivery Channels

TowerGroup

10:30 AM - 1:00 PM

Workshop B

The Evolution of Prepaid Products and its Effect on Banks

Prepaid began in the U.S. with prepaid phone cards and has evolved into a myriad of products and program types. Banks are still sitting on the sidelines for the most part, leaving a handful of financial institutions to sponsor programs. Banks that are capitalizing on prepaid are able to retain commercial clients and extend their influence. This workshop will take the attendees through the 'pay-me-before' genre of payment products that began in the late 80s and show how banks can control and sponsor their own prepaid programs to leverage their customer base and become more profitable.

Workshop Leaders:

Lori Breitzke

President

E&S Consulting LLC

Peter J. Quadagno

CEO and President

Quadagno & Associates, Inc.

1:15 PM - 3:45 PM

Workshop C

The Mobile Payments and Mobile Self-Service Imperative

Studies show that 75 percent or more of calls today to card issuers, banks and other billers originate on mobile devices, but most companies are not leveraging all touchpoints and channels available on cell phones. This session will review how to harness the cost reduction power of all five mobile channels including voice, text, mobile browsers, downloadable applications and Near Field Communications (NFC) for contactless payments. The end game is in mobile payments and the one who enrolls is the one who controls. This comprehensive and highly interactive session will review the three waves of mobile commerce so you can successfully ride each by defining your strategy for cellular self-service, wireless payments and interactive mobile marketing.

Workshop Leader:

Richard Crone

CEO and Founder

Crone Consulting, LLC

1:15 PM - 3:45 PM

Workshop D

Successfully Navigating the Debit Payment Evolution

Debit transactions have experienced steady growth, even during an economic downturn that has cooled consumer spending. Debit transactions surpassed credit transactions before this year's credit crisis even began. The upturn isn't necessarily attributable to an increase in the number of debit cards issued, as that number continues to hover around 73 percent, but an increase of usage by cardholders and an increase in the average transaction amount. This workshop will give you a deeper look into why economic conditions affected an upturn in debit usage, and what the future holds. Discover the tactics that debit card issuers need to take in order to successfully navigate this payment evolution, including issuing standards, fee structures and small business debit strategies. Industry experts will cover present conditions and future forecasts in this state-of-the-industry look at debit. Attendees will receive a white paper, "Top Ways to Maximize the Effectiveness of Your Portfolio."

Workshop Leaders:

Tony Ficarra

EVP

FIS

Jeff Fazio

VP

FIS

4:00 PM - 4:45 PM

KEYNOTE ADDRESS

Growth Factor: The Changing Landscape of the Debit and Prepaid Marketplace

Even as consumers tighten their budgets and more closely watch spending, they are increasingly exhibiting a preference for electronic payment options that can deliver significant value on everyday spend. As a result, debit and prepaid card products continue to be one of the greatest opportunities for growth for the payments industry across multiple sectors. This session will address the:

• Changing competitive landscape of the payments market, focusing on the progression of debit and prepaid
• Advantages of debit and prepaid across industry sectors
• Successful program examples from the private and public sectors, and reloadable and payroll arenas
• Best practices for reaching customers and maintaining growth through debit and prepaid solutions

Tim Murphy

Group Executive Core Products, Global Debit & Prepaid

MasterCard Worldwide

4:45 PM - 5:30 PM

Keynote Address

Fighting Intrusion with Innovation

Data security is more crucial now than ever as cyber criminals have become more brazen in their efforts to steal sensitive data. Heartland Payment Systems' Chairman and CEO Bob Carr believes the payments industry needs to work harder to get ahead of the bad guys. In January, Heartland learned it was the victim of a sophisticated data breach in 2008. Heartland responded with an aggressive, multi-faceted approach to enhancing its own security, expediting the development of new technology and facilitating the sharing of information to help prevent future intrusions. During this presentation, Bob will discuss how system intrusions have impacted the market and spurred industry trends. He'll give insight on what every leader needs to know about data security and the future of payments technologies ― how they will play a vital role in the fight against cyber crime and be leveraged to protect payments companies, merchants and consumers.

Robert O. Carr

Chairman and CEO

Heartland Payment Systems

5:30 PM - 6:45 PM

Welcome Reception

6:45 PM

Dinner with Tony Hayes, Conference Chairman, and his Oliver Wyman partners

Join our annual dinner with Tony Hayes and his Oliver Wyman partners. Hear Tony's views on the evolving ATM and payments markets, and where there are opportunities for profitable growth. Come prepared to ask questions in a collegial forum. Separate registration required. Additional Fee Applies. See registration page for details.

7:45 AM - 8:15 AM

Continental Breakfast and Registration

8:15 AM - 8:30 AM

Opening Remarks from the Chairman

Tony Hayes

Partner

Oliver Wyman

8:30 AM - 9:15 AM

KEYNOTE ADDRESS

Think Outside the Silo: An Enterprise Approach to Payments

In order to remain competitive in an industry where competitors are constantly innovating and customers continue to expect more, it is critical to adopt an enterprise approach to payments. However, the shift from "siloed thinking" to collaboration can be very difficult at large institutions. This session will focus on the following:

• What are the benefits of an enterprise-wide approach to payments
• How to remove boundaries and realign objectives to increase collaboration across payments-related departments
• What are the latest consumer and business trends across payment types and how an enterprise approach can enable your organization to efficiently and effectively react to them
• How has Wells Fargo implemented this approach to identify and pursue opportunities

Michael Kennedy

SVP, Head of Enterprise Payments Strategy

Wells Fargo

9:15 AM - 10:00 AM

KEYNOTE ADDRESS

ATM Revolution - Capitalizing On the New Trends in the ATM Industry

The commitment to finding cost-smart new solutions that address the most pressing needs of the modern financial institution has propelled the ATM industry forward. Cost reduction, enhanced user experience, increased revenue opportunity, and improved security and risk management capabilities are just some of the opportunities; while deposit automation, channel integration, and personalized ATM marketing represent new ways to compete in today's challenging environment. This session will show how to maximize customer and shareholder value by capitalizing on these opportunities and building profitable strategies.

Tom Swidarski

CEO

Diebold

10:00 AM - 10:30 AM

Networking Break

10:30 AM - 11:15 AM

KEYNOTE ADDRESS

The Case for Prepaid Debit: Why Consumers are Looking for New Solutions to Manage Their Finances

Minimum balance requirements. Ever-increasing fees. Rapidly rising credit card rates. It's no wonder that an unprecedented number of Americans are being pushed out of traditional financial services. They are finding that they can't afford what traditional financial services firms are offering, but they still need a way to manage their finances and pay their bills. Prepaid providers are stepping up to offer affordable and convenient solutions to this rapidly growing demographic. With opportunity, though, come challenges: how do you best meet the needs of these consumers? How do you become a trusted partner when you don't have a branch on every corner? NetSpend will share insights into how prepaid has become a viable financial service and how prepaid debit will compete, and potentially replace, traditional financial services.

Frank Cotroneo

COO

NetSpend

11:15 AM - 12:00 PM

Investment Analyst Panel

Where are the Best Investments in the Payments Sector?

Legislation, market forces, changing consumer behaviors and industry consolidation have driven significant changes in all aspects of the payments industry. The industry's leading investment analysts will offer their insights on the most important trends to watch; the impact of consolidation on different constituents and likelihood of further M&A; which networks, processors, issuers and other providers are best positioned to win in this environment; and how regulation may change the playing field. The panelists will also take your questions with interactive Q&A.

Moderator:

Andy Dresner

Partner

Oliver Wyman

Panelists:

Glenn Fodor

Analyst

Morgan Stanley

Sanjay Sakhrani

SVP

Keefe, Bruyette & Woods

Tien-Tsin Huang

Executive Dir., Senior Analyst

J.P. Morgan

12:00 PM - 1:00 PM

Networking Lunch

12:00 PM - 1:00 PM

Optional Luncheon Industry Innovation Session

What's in the Cards?

High stakes are on the table with a full house of experts from Fidelity National Information Services® (FIS"). ATM, debit, prepaid, fraud and loyalty experts from FIS, plus a special guest panelist who will discuss card trends, emerging opportunities and industry forecasts. With real client case studies and an interactive audience Q & A session, these experts will give you the insight needed to beat the odds and meet today's marketing challenges with a full deck.

Lunch will be served during the session.

Click here for more info

This event requires separate registration. All attendees are invited to attend. However, FIS reserves the right to review and approve all registrants.
Sponsored by:

Moderator:

Bob Legters

FIS

Panelists:

Tony Ficarra

EVP

FIS

Ralph Calvano

SVP

FIS

Dennis Driscoll

SVP

FIS

Preston Faykus

SVP

FIS

1:00 PM - 1:30 PM

Dessert in the Exhibit Hall

1:30 PM - 2:15 PM

Bank ATM Strategy: Panel Discussion

ATM managers face a very difficult balancing act - trying to expand coverage, improve the user experience and lower costs. In this roundtable discussion with three leading banks, ATM managers will share their perspectives on the current and future role of the ATM channel. What strategies are most effective? What are the pros and cons of deposit automation and other potential enhancements? And how to negotiate successful branding and outsourcing deals?

Moderator:

Jeff Green

Editor-in-Chief

Cards&Payments

Rob Beveridge

Vice President, ATM Operations

PNC Bank

Steven Nowaczyk

VP, ATM / Self Service Branch Banking

Harris NA

Bryan Pisciotta

SVP

Citibank

2:20 PM - 3:05 PM

Leveraging Non-Bank ATM Real Estate: Partnership Opportunities for Banks

This session will explore a range of partnerships and other opportunities between financial institutions and non-bank operators of ATM. Industry experts will offer an overview of the non-bank ATM sector, followed by a detailed discussion of ATM bank branding relationships and other ATM outsourcing opportunities. In an environment in which banks must lower capital expenditures and operating expenses, this timely discussion will feature strategies for "leveraging the real estate" operated by non-bank ATM providers to help banks reduce costs and enhance retail footprints.

Sam M. Ditzion

CEO

Tremont Capital Group

Douglas B. Falcone

EVP and COO

Access to Money

3:05 PM - 3:30 PM

Afternoon Networking Break

3:30 PM - 4:15 PM

Building a New Global ATM Network from the Ground Up

In just 12 months, PULSE expanded from a U.S. debit network to a global network providing Diners Club International® cardmembers - and later this year, Discover® cardmembers - cash access at more than 600,000 ATMs and over-the-counter locations in more than 100 countries. Cross-functional teams from Discover, PULSE and Diners Club worked closely to deliver the technology and support necessary to create this new global cash access network. This presentation describes the challenges they faced and successes they shared to launch this network.

Amy Parsons

Global ATM Expansion

Discover Financial Services & PULSE

4:20 PM - 5:05 PM

Time is Money: Meeting Customer Needs through Multi-Channel Solutions

Consumers are cashing out of the stock market, saving and being more cautious with their funds, making your role as a financial institution more important than ever. Providing multi-channel solutions and communications targeted to their needs, goals and financial aspirations is one of the most effective ways of strengthening your relationship with your customers. Multi-channel solutions are proven to increase customer retention, reduce cost and increase wallet share. Learn more about the future of multi-channel solutions and ways to ease consumers' concerns and help you connect with the consumer when it matters most.

Brian Pilla

Director, Marketing and Deployment

NCR Corporation

Jeff Greene

Consultant

Go Verde Marketing

1:30 PM - 2:15 PM

Debit Performance Benchmarking - Findings from the 2009 Debit Issuer Study

How does the performance of your debit portfolio compare with your peers? Are you managing through the recession better than others? Join Oliver Wyman and PULSE as they discuss key performance metrics related to debit cards, transactions, debit P&L, rewards, fraud and more. Using data from the 2009 Debit Issuer Study, the definitive study of the debit card market based on primary research with 73 financial institutions representing more than 93 million debit cards, they will examine the performance of peer issuers. The session will also focus on issuers' outlook on the future, where the major opportunities and challenges reside, and effective ways to stay ahead of the curve in the context of the economic downturn.

Judith McGuire

SVP

PULSE

Inderpreet Batra

Consultant

Oliver Wyman

2:20 PM - 3:05 PM

Merchant-Funded Rewards

Here's a proven methodology for driving new customers and share of wallet for retailers - as well as incremental card spend, acquisition, retention and cross-sell for financial institutions. At this session, you'll learn:

• Why traditional 'merchant-funded rewards' programs are challenged
• How to develop custom programs between banks and retailers that leverage both stakeholders' hidden assets
• Analytic models that provide insights, using cardholder transaction data to drive purchase behavior and card preference, for different consumer segments
• Re-defining loyalty as enhancing the consumer shopping experience: 'delighting and entertaining customers before, during and after they shop'
• How retailer-bank partnerships can significantly enhance cross-sell, acquisition and retention for financial institutions - not just card spend

Jonathan Silver

CEO

Affinity Solutions

John MacMillan

VP, Product Management - Payment Products

Comerica Bank

Bernard Dolen

Card Programs Advisor

ExxonMobil Fuels Marketing Co.

3:05 PM - 3:30 PM

Afternoon Networking Break

3:30 PM - 4:15 PM

Survival of the Fittest - Loyalty That Delivers Breadth

The financial marketplace is operating in unprecedented times, and consumers' psyche regarding banks has shifted from one of confidence to insecurity and high value-driven expectations that go beyond existing product offers. Consumers want a breadth of reward earning opportunities across financial products as well as from the merchants they shop with both online and in retail stores, so they can consolidate and benefit. Economic challenges have driven consumers to seek out greater value from their preferred programs, requiring banks and issuers to provide deeper benefits and to enhance offers to best serve their customers. Don't let your program be the one that falls to the wayside. Learn how to keep your card top of wallet throughout this difficult economic times. Rewards-based programs that address consumer online and offline shopping habits with personalization and always on offers are some of the ideas this panel of financial institutions, merchants and partnership marketing experts will discuss.

Moderator:

Lars Holmquist

CMO

Vesdia

Panelists:

Andrew Bonichi

VP, Business Development

Touraid Travel Cruise and Vacation Group

Kristin Davenport

VP, Business Development

Touraid Travel Cruise and Vacation Group

Stef Erik Anderson

VP, Rewards

SunTrust

4:20 PM - 5:05 PM

Internet PIN Debit: Overview and Panel Discussion

Merchants, tired of the high cost and fraud of bank cards, are aggressively steering consumers to alternative payment methods. Javelin Strategy & Research predicts that alternatives will capture 30% of the e-Commerce market by 2012, up from just 14% today. Internet PIN debit is an emerging, bank-sponsored payment method that provides FIs a high margin card based payment method that keeps more business "in the bank." This session will cover what Internet PIN debit is, how it works, and the benefits it provides to FIs in terms of reduced fraud, incremental volume and revenue growth. Senior executives from an FI, EFT network, merchant and a merchant acquirer will share their experiences with Internet PIN debit in an interactive panel with audience Q&A.

Moderator:

Nanden Sheth

President, COO

Acculynk

Panelists:

Jim Aviles

COO

Merchant e-Solutions

Kristen Dach

Chief Financial Officer

2Checkout.com

Jeff Gegen

VP of Operations

Baker Boyer Bank

Anna Martin

ACCEL/Exchange

Senior Product Manager

1:30 PM - 2:15 PM

Prepaid: Pathway or Destination?

Learn how to strengthen your company's prepaid strategies by balancing a better understanding of customer needs and desires, what is currently succeeding, and what innovations are on the way. There are currently many different models in the marketplace - different approaches to distribution and functionality, different partnership strategies, different ideas about what the ultimate goal of a prepaid card should be. Is it a useful but temporary tool? A pathway into the traditional banking system? An effective substitute for a bank account? To help answer these questions, you get the latest insights from leading prepaid innovators as well as from CFSI's own market-testing initiatives and groundbreaking voice of the consumer research.

Rachel Schneider

Innovation Director

The Center for Financial Services Innovation

2:20 PM - 3:05 PM

Prepaid Market Size and Trends

Mercator Advisory Group will release its latest data on the overall size and growth of the total prepaid industry, the economic impact on specific segments, and a review on how key segments, such as Gift, Payroll, Incentive and GPR cards have performed. Supported by this fact base, Mercator will share its perspective on how market dynamics, such as consumer behavior and the evolution of prepaid malls, is reshaping specific segments and impacting the industry.

Tim Sloane

Director, Prepaid Advisory Service

Mercator Advisory Group

3:05 PM - 3:30 PM

Afternoon Networking Break

3:30 PM - 4:15 PM

Reloadable Prepaid Cards

Prepaid products are a viable financial tool to meet the needs of America's 80 million financially underserved consumers. The expansion of convenient options for prepaid cardholders to add funds to their cards is essential to prepaid growth. Retail reload locations create accessibility for cardholders and business opportunities for retail partners. Visa recently announced a strategic partnership with MoneyGram extending Visa ReadyLink, Visa's prepaid reload network, to 50,000 merchant locations in the U.S. Hyung Choi, senior business leader, prepaid products, Visa Inc.; and Greg Waltz, vice president and general manager of payment products at MoneyGram will provide insight into trends in reload and retail products. They will share best practices for establishing a reload network and discuss the importance of reload to bringing greater value to underserved customers.

Hyung Choi

Senior Business Leader, Prepaid Products

Visa Inc.

Greg Waltz

Vice President and General Manager - Payments Products

MoneyGram

4:20 PM - 5:05 PM

Entering the Financial Mainstream: Financial Inclusion via Prepaid

Topping an estimated 40 million families, financially underserved Americans have few or no traditional banking relationships. Reloadable prepaid cards, which offer an easy way to load funds from cash, check or via direct deposit, are opening the door to new opportunities for people with little or no access to the financial mainstream. As long-time partners on one of the largest financial inclusion programs in the United States, MasterCard and H&R Block will discuss:

• Benefits of reloadable cards for financially underserved consumers, including adding security and convenience
• Growth drivers in the consumer reloadable space
• Ways the industry can provide solutions that link the financially underserved to the financial mainstream

Neil Dugan

VP, Prepaid Product Development

MasterCard Worldwide

Amy Roberts

Director of Card Product Development

H&R Block

1:30 PM - 2:15 PM

Banks and Alternative Payments

This session will explore a number of key topics around the ways in which leading financial institutions such as SunTrust are evaluating partnerships with newly emerging alternative payments networks, including factors driving the growth of alternative payments networks; consumer behavior trends around the need for non card-based methods for conducting online commerce transactions; threat of alternative payment networks to traditional card products; and critical success factors for alternative payment networks.

Steve Karp

SVP, Enterprise Payments Strategy

SunTrust Banks

James Van Dyke

Founder and President

Javelin Strategy & Research

2:20 PM - 3:05 PM

mCommerce Readiness: Prepare Now. Benefit in the Future.

This session looks at the evolution of mobile commerce, explores the future and defines why it is important today. How do you ready your clients and customers for mCommerce? Why is it important to pay attention today when a critical mass will likely not develop for a couple of years? This session will educate attendees on how current payment products will evolve once inside the mobile phone, what it means for their business and how to balance the right mix of traditional and emerging payment offerings.

Barry McCarthy

General Manager, Mobile Commerce and POS

First Data

3:05 PM - 3:30 PM

Afternoon Networking Break

3:30 PM - 4:15 PM

On the Cutting Edge of Mobile Banking and Payments

As an online-only banking institution, with a customer base comprised of military personnel located all around the world, USAA had the advantage of deploying mobile services to early adopters who had a practical interest in utilizing the service. With basic mobile services already reaching high adoption rates, the organization is now looking toward the future and finding ways it can get the most from the newest banking channel, including:

• How the industry can achieve mass adoption by educating its customers
• Specific applications that have been developed for the iPhone
• Mobile payments applications

Jeff Dennes

Executive Director, Mobile and Money Movement

USAA

4:20 PM - 5:05 PM

The Evolution of Online Payments

Acquisitions and partnerships with both established and emerging payments companies have driven e-commerce and online payments in recent years, increasing its impact on banks, payments processors and networks. This presentation will cover significant partnerships that have emerged, propelling e-commerce forward, as well as the upcoming trends and developments in this sector that will continue to have an impact for years to come.

Rene Pelegero

Senior Director, Industry Relations and Strategy

PayPal

Julie Saville

VP, Product Development

STAR Debit and ATM Network

5:05 PM - 6:00 PM

Networking Reception in the Exhibit Hall

7:45 AM - 8:15 AM

Continental Breakfast

8:15 AM - 9:00 AM

The Merchant Perspective: Interchange, Alternative Payments, and More

What do merchants want and expect from payments? Is there a good resolution to the ongoing debate over interchange? How are merchants helping protect the security of bank card data? Are there win-win opportunities for banks and retailers? This panel discussion will address:

• Merchants' preferred payment methods and relative costs
• Perspectives on interchange and potential future changes
• PCI compliance and other approaches to data security
• Interest and adoption of alternative payment methods, including contactless and mobile

Moderator:

Paul Mee

Partner

Oliver Wyman

Panelists:

Troy Carrothers

SVP

Kohl's Department Stores

Hal Kaplan

Vice President, Treasurer

Costco Wholesale Corporation

Dee O'Malley

Director, Finance

Best Buy Co. Inc.

Gray Taylor

Payments Specialist

The Association of Convenience & Petroleum Retailing (NACS)

9:00 AM - 9:45 AM

KEYNOTE ADDRESS

Creating a Framework for Payments Innovation

Making progress in the payments business requires progressive thinking...new ideas...innovation. Two years ago, U.S. Bank further solidified its commitment to innovation in payments when it created a dedicated group to focus on emerging markets and new technologies. Since that time, the group has delivered industry-leading pilots and advanced the bank's reputation as an innovator. This session will review the advantages and considerations of an innovation role and why it is a critical component to the future success of any payments business. In addition to reviewing a few recent pilots at U.S. Bank, the discussion will cover an approach to establishing and managing the innovation function and, hopefully, dispel some of the myths surrounding innovation.

Dominic Venturo

Chief Innovation Officer - Retail Payment Solutions

U.S. Bank

9:45 AM - 10:15 AM

Morning Networking Break

10:15 AM - 11:00 AM

Managing the Cash Cycle

Effective cash management for banks is always a challenge, as customers' use of cash rises and falls depending on the economic climate and changing consumer habits. Banks are actively managing their cash costs end-to-end; from forecasting, to replenishment, to deposit pull, to vault cash. This session offers guidance and practical tips on how to effectively manage the cash cycle.

Brian Mendenhall

VP, Sales, Western Region

Pendum LLC

Dave Sigal

VP of Finance

USA Federal Credit Union

11:05 AM - 11:50 AM

Targeted Marketing at the ATM

With bank competition for customers at an all-time high, personalization at the ATM can have a real impact on the way customers perceive their bank's interest in their business. ATM personalization can go beyond welcoming customers by name or using their preferred language, allowing banks to offer targeted offers to individual customers or non-customers. A recent Aite Group study of U.S. bank ATM executives found that only 23 percent of surveyed banks will be running targeted marketing campaigns at their ATMs by year-end 2009. These early adopters of targeted marketing at the ATM are seeing valuable benefits, including customer acquisition, new account opening and cross-sell opportunities. This session will provide examples of campaigns that have been implemented at the ATM channel and describe how offers are presented to customers at the ATM, the process followed once an offer has been presented, and the results gleaned from various types of campaigns. Specific bank examples will also be shared.

Cindy Lambreth

Electronic Banking, ATM Database Coordinator

First Tennessee Bank

Kate Monahan

Analyst

Aite Group

11:55 AM - 12:40 PM

Best Practices in Securing Cardholder Data - PCI and ATMs

ATMs are an emerging target for financial frauds. Insufficient security enables criminals to capture sensitive customer account data and use it for financial frauds. The PCI Council has defined and specified a set of requirements that addresses the security of sensitive cardholder data that is stored, processed, or transmitted. A representative from VISA will discuss how PCI's Data Security Standards apply to your ATM network and how implementing the PCI DSS requirements helps proactively protect your customer data against fraud.

Moderator:

Chuck Somers

VP, ATM Security and Professional Services

Diebold

Panelists:

Ingrid Beierly

Business Leader, Cyber Security and Investigations

VISA, Inc.

Tami Green

ATM Services Manager

Zions Bancorporation

12:45 PM - 1:00 PM

Lunch Welcome

Tom Swidarski

CEO

Diebold

1:00 PM - 2:15 PM

Lunch Address: Can you Afford to Ignore Risk? Emerging Threats in the ATM Industry

The types of logical threats emerging in the financial industry are not new to the world. However, they are new to the ATM industry. The good news is that risk management best practices from the IT community are well prepared to address the issue by leveraging their knowledge and experience. Peter Tippett president of Technology and Innovation for Verizon Business and creator of the first commercial anti-virus product will share his insights and information from recent ATM crime investigations and data breach reports to help you in identifying vulnerabilities in your own ATM network and provide best practices in compliance management and risk planning.

Peter Tippett

VP of Technology and Innovation

Verizon Business

2:15 PM - 3:30 PM

ATM Security Networking Session

Join us for this valuable networking opportunity to learn more about emerging threats against the ATM channel and ways to help mitigate them. Speak with security industry experts on issues like card skimming, physical attacks and logical security attacks targeted to steal data. Learn ways to minimize your risk by applying a layered approach for physical security, logical access control, and software safeguards to address insider fraud and other organized criminal activities.

Peter Tippett

VP of Technology and Innovation

Verizon Business

Mike Urban

Senior Director Fraud Solutions

FICO

Ingrid Beierly

Business Leader, Cyber Security and Investigations

VISA, Inc.

Scott Angelo

VP, Chief Security Officer

Diebold

Chuck Somers

VP, ATM Security and Professional Services

Diebold

Terrie Ipson

Marketing Manager, ATM Security

Diebold

3:30 PM

Conference Concludes

10:15 AM - 11:00 AM

The Small Business Opportunity

The small business sector for banks to displace small businesses' use of checks, transitioning to more efficient debit payments. Visa's 2008 Small Business Cash Management Survey found respondents report they have a business debit account has doubled in the past three years - from 24 percent in 2005 to 48 percent in 2008. This underscores an interest from small business owners to continue to use ready funds for business expenditures, but to transfer that spending from checks and petty cash to more efficient electronic payments. To help encourage business owners to shift, issuers can employ a variety of strategies such as increasing daily limits or creating rewards programs.

Raghav Lal

Head of Global Small Business

Visa, Inc.

Kevin Murphy

Debit Card Segment Manager

PNC Bank

11:05 AM - 11:50 AM

Contactless Debit as the Everyday Card

Today, most consumers use multiple cards -- credit, debit, transit passes, loyalty program cards, ID, and access control -- throughout the day. Contactless debit technology is turning a single debit card into a single "everyday" card. Issuers can converge multiple applications on a card, combining debit payment capabilities with transit fare collection, retail loyalty, and ID applications, which is not possible with today's mag stripe cards. Hear directly from issuing banks as they implement these converged applications.

Jose Rojas

First VP, Retail Debit Card Group, Retail Financial Services

Chase

Dominic Venturo

Chief Innovation Officer - Retail Payment Solutions

U.S. Bank

Charlie Walton

EVP

INSIDE Contactless

11:55 AM - 12:40 PM

Debit: The Credit Union Perspective

Learn about the key trends that are driving the growth of the Debit business in the U.S., and hear tips and techniques on how to encourage debit card usage and deepen member relationships. We will also discuss how to integrate cost-effective strategies and manage the various levers that stimulate interchange growth, while keeping your debit card top of wallet.

Karen Fry

VP, Strategy and Branding

Card Services for Credit Unions, Inc. (CSCU)

Jeff Jackson

VP, Member Services

Michigan State University Federal Credit Union

10:15 AM - 11:00 AM

The New Prepaid Regulatory Environment

Greater regulatory scrutiny of the cards and payments industry is increasing, as evidenced in recently enacted legislation aimed at credit card issuers. The trend is not likely to slow. As regulators sharpen their focus, other segments within payments are also likely to be affected. This session will provide an overview of key legislative and regulatory initiatives (both proposed and recently enacted) affecting constituents in the prepaid card market. This session will also cover steps to take to comply with existing and proposed requirements.

• The extension of regulation E to general purpose prepaid cards
• Regulation of fees
• Consumer disclosures

John Douglas

Partner

Davis Polk & Wardwell LLP

John Ricci

General Counsel

Green Dot Corporation

Steve Streit

CEO

Green Dot Corporation

11:05 AM - 11:50 AM

The Prepaid Opportunity for Regional and Community Banks

The open-loop prepaid market has seen dramatic growth with no signs of slowing. Large financial institutions and processors have been the major beneficiaries of this growth as they extended their banking relationships into prepaid for large corporations and government agencies. But what if you're a smaller FI? How can regional financial institutions participate in the prepaid growth? This presentation will discuss the opportunity for offering prepaid cards to existing corporate and retail banking customers, some practical steps on getting started, and advice on pitfalls to avoid.

Cathy Corby Parker

EVP

FSV Payment Systems

11:55 AM - 12:40 PM

The Future of Prepaid: Profitable Opportunities

This session will provide an overview of the current state of the industry, and explore the evolution of the market. This will also include a discussion of emerging trends and what these trends reveal about the future of the industry.

Scott Galit

EVP

Meta Payment Systems

10:15 AM - 11:00 AM

Integrating Personal Financial Management Tools and Payments Services

Online personal financial management tools that incorporate social networking and community advice have been gaining traction among consumers. Offering advice on how customers can better manage their money also opens up the potential for card issuers to forge stronger relationships with their customers and also deliver a better understanding of the underlying payments products and services available to them.

• Where financial management and payments converge
• What have the social networking aspects of financial management tools told us about what consumers are looking for in payments?
• What's on the horizon for PFM tools that integrate payments services?

Moderator:

Bart Narter

SVP, Banking Group

Celent

Sid Bhatt

Sr. Manager Business Development

Mint.com

Bryce Roberts

Director, Sales

Wesabe

Robin O'Connell

VP, Business Development

Billeo

11:05 AM - 11:50 AM

How a Community Bank Became a Pioneer in Mobile Payments

La Junta, Colo. is a community of around 8,000 people, and is known for its commercial, agricultural and ranching ventures. La Junta has not traditionally been considered a hot spot for mobile payments, but that changed on May 21, when The State Bank went live with Bling Nation's Community Payments Service, which is marketed as Redi Pay Bling, an alternative to expensive, traditional payments networks and accompanying rewards programs. Bling Nation enables consumers to pay merchants with the tap of a mobile phone instead of using a credit card or cash. In addition to consumer convenience, merchants reduce interchange fees, and banks increase income. Within three weeks of implementation, the bank had activated 25 percent of its customers on the payments network and opened more merchant accounts in that span than in the past two years combined.

Wences Casares

co-CEO, founder and partner

Bling Nation

Brad Rose

VP, Information Technology and Security

The State Bank

11:55 AM - 12:40 PM

The Future of Decoupled Debit

Decoupled debit was a radical wake-up call to the card industry, threatening to disintermediate depository banks from debit's interchange stream, and no company was more associated with this capability than Tempo. In this session, hear how the pioneer of decoupled debit is seeking to create an affinity debit segment where none has previously existed. Using Web-based technology, any organization can quickly and easily offer affinity debit cards to any consumer -- with a compelling and relevant value proposition.

Mike Grossman

CEO

Tempo Payments