epcor Workshops

EPCOR Workshops

 

Roll up your sleeves and dig deep into important payments topics with one of our workshops. A hands-on approach allows you to dissect important information and apply the information to your organization.

Virtual Debit Card Workshop

Join us for this two-day workshop to take a deep dive into the Debit Card and ATM space. Topics will include ATM and ITM management and troubleshooting, managing your Debit Card portfolio, cardholder disputes, fraud mitigation techniques, strategy to enhance your cardbase, and new innovations in the card space.

When: May 30 – 31

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Workshop Agenda

Day 1

  • Introduction to Debit Cards
    Jeff Koelling
  • Card Network Compliance
    Jeff Koelling
  • A Roadmap for Debit Card Disputes
    Diana Kern

Day 2

  • Debit Card Fraud Types
    Jeff Koelling
  • Debit Card Fraud Mitigation
    Jeff Koelling
  • Strategies to Enhance Your Debit Cards
    Adam Thompson

Session Descriptions

Day 1 • May 30

Introduction to Debit Cards

Jeff Koelling
This session acts as a workshop primer, kicking off with a comparison of the different types of plastic cards such as credit cards, debit cards and ATM cards. Then, we’ll discuss how card transactions are routed between participants of the card network. For debit cards, interchange fees have various components and effects on issuing financial institutions, including ATM surcharges and other fees flowing within the card system.

Card Network Compliance

Jeff Koelling
As an issuing financial institution for popular debit card brands such as VISA or MasterCard within your debit card portfolio, your financial institution must comply with card network rules. Embedded within the card network, there are various convenience fees and surcharges that impact participants. Furthermore, there are compliance standards set forth by the card network and the Dodd Frank Act of 2010. When issuing for a particular card network, there are different rules on branding in terms of logo use on your debit cards or displayed elsewhere within your financial institution products or services.

A Roadmap for Debit Card Disputes

Diana Kern
Like humans and snowflakes, each dispute is different, and the variables seem endless. Does Regulation E apply? Do you need to know the network rules for your global brand? What if both apply to the same dispute? Even a small change in your approach can ease your pain points. Join Diana to clear up some common misconceptions about Regulation E and understand how network rules don’t always align with the Regulation.

Day 2 • May 31

Debit Card Fraud Types

Jeff Koelling
Your cardholders can be affected by different types of debit card fraud, which cause dispute volumes to increase. There are card skimmers on devices, database hacking, and other schemes and scams causing fraud incidents to continually rise. In addition, there are various types of fraud such as being induced to authorize transfers or “friendly fraud” such as when cardholders either use the dispute process to their advantage on not wanting to pay for goods or services.

Debit Card Fraud Mitigation

Jeff Koelling
With your many account holders having debit card access devices that are used throughout the country by swiping or inserting into retailer terminals, stored on smartphone devices, and used and stored online, debit card fraud is inevitable. However, there are a few debit card mitigants that may help your financial institution such as velocity controls or limits to detect clusters of transactions sent by fraudsters. Improve your monitoring of debit card transactions to detect out-of-pattern transactions regarding different transaction types and merchants. Lastly, improve your communications with your cardholder whenever monitoring detects something or making them aware of security risks.

Strategies to Enhance Your Debit Cards

Adam Thompson
Payment systems evolve and plastic cards are no different, with card payments and functionality changing at a rapid pace. During this session you’ll hear how Fintechs are reimagining new ways to generate card activity plus you leave with practical takeaways of you can compete in the competitive world of digital payments.

Speakers

Diana Kern headshot

Diana Kern, AAP

Client Learning Strategist, Shazam

Diana trains clients on products and services related to the card payments system, the ACH network, EFT compliance and more. Clients appreciate her ability to help them connect detailed operations concepts like fraud mitigation, exceptions handling, interchange and ROI to their day-to-day responsibilities. She explains complicated topics in a relatable way, helping clients understand what it means to them. A self-described payments nerd, Diana brings enthusiasm and passion for all things payments.

Adam Thompson headshot

Adam Thompson

Director of Sales, StrategyCorps

Adam is a self-proclaimed checking account nerd driven to take data analytics and market research to guide clients to the right product strategy to deepen relationships in their marketplace. His strategies drive increases in brand loyalty, non-interest income and deposits. He has guided over 80 financial institutions through retail checking improvements. Prior to joining StrategyCorps, Adam worked with Rivals.com, gaining a deep understanding of subscription strategies that drive engagement.

Jeff Koelling headshot

Jeff Koelling

Director of Operations, Issuing, Priority Commercial Payments

Jeff has 20 years of experience in the payments industry. His experience includes the areas of compliance, data security, interchange, pricing, vendor management, financial operations, bankcard acquiring, treasury management, issuing, product management, data science, fraud, chargebacks, processor integrations, BaaS and mergers and acquisitions.

 

Virtual Payments Compliance Workshop

The key to compliance is not only learning rules and regulations but understanding what they say and how they might affect your organization. This three day workshop will cover a variety of rules, regulations and guidance that govern the payments industry. Join us to gain a better understanding of the impact of common compliance considerations on your organization.

When: June 11 – 13

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Workshop Agenda

Day 1 • June 11

  • BSA/AML Practices
    Chris Nowak & Constantine Lizas

Day 2 • June 12

  • Interview with an Auditor
    Emily Nelson
  • Complying with Instant Payments
    Sharon Hallmark

Day 3 • June 13

  • ACH Breach of Warranty How To
    Emily Nelson
  • Check Breach of Warranty
    Marcy Cauthon

Session Descriptions

Day 1 • June 11

BSA/AML Practices

Chris Nowak, CAMS, CAFP, CBP, Augmenta Prime & Constantine Lizas, Harris Beach
Complying with the Bank Secrecy Act (BSA) and the Anti-Money Laundering (AML) Act is vital for any financial institution. However, it can be a complex and challenging task. In this session, we will delve into the practical practices that can help you achieve compliance with BSA/AML. We will discuss various topics such as Know Your Customer practices, Customer Due Diligence, Beneficial Ownership, Risk Reviews, and more. The session will last for 110 minutes, during which we will provide you with a comprehensive understanding of these practices and how they can help you meet compliance requirements. Whether you are in operations or a compliance officer, this session will provide you with the knowledge and tools necessary to navigate the complexities of BSA/AML compliance.

Day 2 • June 12

Interview with an Auditor

Emily Nelson, AAP, APRP, NCP, EPCOR
During this session you will have the opportunity to leverage actionable guidance from the EPCOR Audit Team. We’ll look at key areas of weakness commonly identified by our auditors as they conduct Third-Party Sender, RDC, RTP, ACH and Wire audits when processes are not well-developed. Insights into risk-based best practices for addressing these topics to improve performance will also be covered. Please note: This session will also be covered at EPCOR Payments University.

Complying with Instant Payments

Sharon Hallmark, AAP, EPCOR
As the FedNow® Service and the RTP® Network gain more popularity, it is essential to have a clear understanding of some crucial features of these instant payment systems. In this session, we will walk you through the various response options available to a receiving financial institution and the requirements for funds availability. We will also delve into the Request for Payment warranty.

Day 3 • June 13

ACH Breach of Warranty How To

Emily Nelson, AAP, APRP, NCP, EPCOR
ACH warranty claims can be intimidating, let’s review what the Rules say regarding warranty claims. During this member-favorite session from our 2023 Compliance Workshop, we’ll review the requirements of a warranty claim, determine when to file one and then practice the process of filing a claim. Together we will problem-solve scenarios to determine the best process for filing and receiving ACH warranty claims.

Check Breach of Warranty

Marcy Cauthon, AAP, APRP, NCP, EPCOR
With the continued rise in check fraud has your financial institution’s Breach of Warranty claims also risen? EPCOR receives frequent calls concerning how and when to file a breach of warranty, where to file a breach of warranty and what can be done if the Depositary Bank denies the claim or ignores it altogether. Join this workshop session to walk through scenarios of when your institution should file a breach of warranty and when it should not. Decide what the appropriate action should be in each scenario.

Speakers

Marcy Cauthon headshot

Marcy Cauthon AAP, APRP, NCP

Sr. Director, On-Demand Education, EPCOR

Marcy is responsible for EPCOR’s National Check Payments Certification Prep Program and On-Demand Education. She also currently represents EPCOR members on the ECCHO Operations Committee, NCP Editorial Board and Nacha’s Payments Innovation Alliance. She has 26 years’ experience in the financial institution industry, including financial institution operations. Marcy obtained her AAP and NCP accreditations in 2011 and the APRP accreditation in 2018. She joined the EPCOR family in February 2011.

Sharon Hallmark headshot

Sharon Hallmark AAP,

Director, Payments Education, EPCOR

Sharon Hallmark joined EPCOR in 2023 following an 18-year career in banking, holding many positions from teller to Bookkeeping/EFT Officer. As EPCOR’s Director of Payments Education, she designs and conducts education programs in support of ACH and Instant Payments to over 1,800 financial institutions and corporate members. She received her Accredited ACH Professional designation in October 2021. She holds an Associate degree in Business Administration and is currently working towards her Bachelor’s in Business Administration at West Virginia University.

Emily Nelson headshot

Emily Nelson AAP, APRP, NCP

Manager, Payments Education, EPCOR

Emily Nelson joined EPCOR’s Advisory Services department in 2019 where she scheduled services and conducted audits and risk assessments. In 2023, she joined EPCOR’s education team as Manager of Payments Education. In her role, she designs and leads payments compliance education programs impacting traditional and instant payments in support of over 1,800 financial institution and corporate members. Emily obtained her Accredited ACH Professional designation in October 2019, her National Check Professional (NCP) certification in May 2021, and the Accredited Payments Risk Professional (APRP) in August 2022. She is also the staff liaison for the Payments Compliance and Risk Committee, which is one of several EPCOR member-led committees.

Chris Nowak headshot

Chris Nowak, CAMS, CAFP, CBP

Founder & CEO, Augmenta Prime

Chris Nowak is the Founder and President of regulatory compliance consulting firm, Augmenta Prime. Chris has over a decade of banking experience, serving in strategic leadership positions for financial institutions ranging from $2B in assets to $115B in assets overseeing BSA/AML/OFAC and Fraud programs. Following the banking experience, Chris was an executive in the RegTech and FinTech industries providing perspectives on stringent U.S. banking regulations. This diverse leadership background from different industry perspectives provided Chris with the understanding that there are opportunities to assist companies in the financial services space. Augmenta Prime was created with the idea of bringing industry experts together to provide assistance to organizations in their compliance and risk management strategies.

Chris Nowak headshot

Constantine Lizas

Partner, Harris Beach

Constantine Lizas joined Harris Beach’s Washington, D.C. office after leaving the FDIC’s Enforcement Section as an acting Supervisory Counsel and the FDIC’s lead BSA/AML Counsel. At the FDIC, he advised the interagency team that began drafting new rules pursuant to the Anti-Money Laundering Act of 2020. He also served as a federal prosecutor in the Department of Justice’s Money Laundering and Asset Recovery Section. He assists financial institutions with examination matters, enforcement actions, government investigations, and compliance issues.

 

Virtual Regulation E Boot Camp

Understanding Regulation E and how to apply it along side payments rules and regulations within the different payment systems is challenging! Join us for a two-day, virtual Regulation E boot camp where we will discuss how Regulation E affects ACH, debit cards, and credit push transactions using bank-offered services and third-party payment apps. Together, we will walk through scenarios to test your knowledge in applying Regulation E to different situations that arise in your day-to-day operations.

When: June 26 – 27

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Boot Camp Agenda

Day 1 • June 26

  • Introduction to Regulation E: Part 1
    Sharon Hallmark
  • Introduction to Regulation E: Part 2
    Sharon Hallmark
  • A Roadmap for Debit Card Disputes
    Diana Kern

Day 2 • June 27

  • Regulation E & Modern Payments
    Jennifer Aguilar
  • When Regulation E & ACH Rules Collide
    Emily Nelson
  • Regulation E, Subpart B
    Trevor Witchey

Session Descriptions

Day 1 • June 26

Introduction to Regulation E: Part 1

Sharon Hallmark, AAP, Director, Payments Education, EPCOR
We invite you to join us for a comprehensive session on Regulation E. During this session, we will delve into the key provisions of the regulation and provide you with an in-depth understanding of its various aspects. Our discussion will cover topics such as differentiating the subparts, disclosure requirements, covered transactions, unauthorized criteria, timeframes, provisional credit, and much more. You will gain valuable insights into the regulation that will help you navigate its complexities with ease and confidence.

Introduction to Regulation E: Part 2

Sharon Hallmark, AAP, Director, Payments Education, EPCOR
In Part 2 of the Introduction to Regulation E, we will take the knowledge you learned in Part One and apply it to some debit card and ACH scenarios. We will work through the investigation process, including provisional credit, timeframes, and consumer notifications.

A Roadmap for Debit Card Disputes (recording)

Diana Kern, AAP, Client Learning Strategist, Shazam
Like humans and snowflakes, each dispute is different, and the variables seem endless. Does Regulation E apply? Do you need to know the network rules for your global brand? What if both apply to the same dispute? Even a small change in your approach can ease your pain points. Join Diana to clear up some common misconceptions about Regulation E and understand how network rules don’t always align with the Regulation.

Day 2 • June 27

Regulation E & Modern Payments

Jennifer Aguilar, APRP, Senior Associate, Alston & Bird LLP
This session will provide a high-level overview of Regulation E’s error resolution procedures, with a focus on current trends in consumer payments. We’ll discuss Regulation E’s requirements for claims intake, investigation, and resolution and analyze different types of claims. We’ll focus on credit push transactions using bank-offered services and third party payment apps and how Regulation E applies (or doesn’t) for both fraud and scams.

When Regulation E & ACH Rules Collide

Emily Nelson, AAP, APRP, NCP, Manager, Payments Education, EPCOR
When an account holder disputes an ACH transaction that is within 60 days of the Settlement Date, determining how to apply the ACH Rules AND Regulation E might feel like King Kong vs Godzilla… BUT luckily you have EPCOR to help you referee the battle. Join us to take a look at the basics of Regulation E and the ACH Rules and how they can work together to help you win the error resolution process. This back-by-popular-demand webinar will cover key definitions, time frames, covered transactions and necessary steps to effectively conduct the error resolution process. Together, we will walk through ACH dispute scenarios to appropriately apply the ACH Rules and Regulation E.

Regulation E, Subpart B

Trevor Witchey, AAP, NCP, Senior Director, Payments Education, EPCOR
In this session, we'll delve into the nuances of Subpart B of Regulation E, which extends consumer protection beyond the borders of the United States. Our discussion will center around international remittance transfers, including international wire transfers, IAT entries, disclosure obligations, error resolution procedures, timeframes, and other pertinent considerations.

Speakers

Trevor Witchey headshot

Trevor Witchey, AAP, NCP

Sr. Director, On-Demand Education, EPCOR

Trevor Witchey is currently the Senior Director of Payments Education at EPCOR since August 2022. Prior to joining EPCOR, he worked for a commercial financial institution for almost 17 years with almost 12 years of that timeframe within digital payments. Trevor has experience managing products, services, risk/fraud and operations of ACH, Wire Transfer, Debit Card/ATM, Online Banking platforms and Treasury Management account holders. In addition, he is a 2004 graduate of Ohio University with a Master’s Degree in Economics and used to teach economics and mathematics evening courses at a local community college for almost 15 years.

Sharon Hallmark headshot

Sharon Hallmark, AAP

Director, Payments Education, EPCOR

Sharon Hallmark joined EPCOR in 2023 following an 18-year career in banking, holding many positions from teller to Bookkeeping/EFT Officer. As EPCOR’s Director of Payments Education, she designs and conducts education programs in support of ACH and Instant Payments to over 1,800 financial institutions and corporate members. She received her Accredited ACH Professional designation in October 2021. She holds an Associate degree in Business Administration and is currently working towards her Bachelor’s in Business Administration at West Virginia University.

Jennifer Aguilar headshot

Jennifer Aguilar, APRP

Senior Associate, Alston & Bird LLP

Jennifer Aguilar is a senior associate in Alston & Bird’s Financial Services & Products Group. She counsels financial services clients on regulatory and transactional matters, with a focus on payments laws and network rules. Jennifer advises clients on matters relating to the Nacha Operating Rules and Guidelines, card network rules, the Electronic Funds Transfer Act (EFTA), Truth in Savings Act (TISA), Expedited Funds Availability Act (EFA Act) and Truth in Lending Act (TILA), and a variety of state laws.

Emily Nelson headshot

Emily Nelson, AAP, APRP, NCP

Manager, Payments Education, EPCOR

Emily Nelson joined EPCOR’s Advisory Services department in 2019 where she scheduled services and conducted audits and risk assessments. In 2023, she joined EPCOR’s education team as Manager of Payments Education. In her role, she designs and leads payments compliance education programs impacting traditional and instant payments in support of over 1,800 financial institution and corporate members. Emily obtained her Accredited ACH Professional designation in October 2019, her National Check Professional (NCP) certification in May 2021, and the Accredited Payments Risk Professional (APRP) in August 2022. She is also the staff liaison for the Payments Compliance and Risk Committee, which is one of several EPCOR member-led committees.

Diana Kern headshot

Diana Kern, AAP

Client Learning Strategist, Shazam

Diana trains clients on products and services related to the card payments system, the ACH network, EFT compliance and more. Clients appreciate her ability to help them connect detailed operations concepts like fraud mitigation, exceptions handling, interchange and ROI to their day-to-day responsibilities. She explains complicated topics in a relatable way, helping clients understand what it means to them. A self-described payments nerd, Diana brings enthusiasm and passion for all things payments.

 

Virtual ACH Origination Workshop

Offering ACH Origination to your clients can help meet client needs, enhance client relationships and drive revenue. But it's not without its risks! Whether your financial institution is just considering testing the waters or is already an ODFI, join us for a hands-on approach to exploring ODFI roles and responsibilities. We'll cover topics important for new and old ODFIs alike including ACH policies and procedures, agreements, annual reviews, troubleshooting, risk mitigation and more.

When: December 11 – 12

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