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Agenda |
The IPA Innovative Payments Conference is an inclusive opportunity for all current and future IPA members in the payments industry to engage in exceptional formal and informal learning experiences that help to advance career and professional development, individual productivity, and organizational effectiveness. The 2025 Innovative Payments Conference offers the payments community a chance to gather and reflect on the collective associations’ potential influence on society to shape a better future for the payments industry.
Stay tuned as we build out the agenda and speaking faculty. In the meantime, have a look at some confirmed agenda items and speakers to get an idea of what to expect in 2025. We’re looking forward to putting on another great event for you.
Stay tuned as we build out the agenda and speaking faculty. In the meantime, have a look at some confirmed agenda items and speakers to get an idea of what to expect in 2025. We’re looking forward to putting on another great event for you.
New for the 2025 IPC: Exclusive Pre-Conference CLE Sessions
Enhance your professional credentials with our first-ever Pre-Conference CLE Sessions on April 29, 2025. Earn valuable continuing legal education credits while gaining deep insights into payments technology law. These specialized workshops require a separate registration and offer attorneys and compliance professionals a targeted learning experience before the main conference kicks off.
To register for both of these sessions: click over to the IPC registration page and select the Pre-Conference CLE Sessions add-on as you register for the IPC. You must be registered for the IPC to attend the Pre-Conference CLE sessions.
Session 1: Fraud Prevention: Staying Ahead in a Dynamic Financial Landscape
Presenter: Linda Odom (KLGates)
In today's rapidly evolving digital financial ecosystem, fraud prevention isn't just a strategy—it's a critical lifeline for financial institutions and fintech companies. Join Linda Odom from KLG Gates for an illuminating session that demystifies the complex world of fraud management. This comprehensive presentation will equip you with actionable insights into understanding human behavior, assessing risk, and implementing cutting-edge technologies that can fortify your organization's defenses. Whether you're a risk manager, compliance officer, or financial technology professional, this session promises to provide a robust framework for developing proactive fraud prevention policies that stay one step ahead of potential threats.
Session 2: Navigating the Regulatory Maze: Bank-Fintech Partnerships Demystified
Presenter: Eli Rosenberg (Baird Holm)
The intersection of banking and financial technology represents one of the most dynamic and challenging landscapes in modern finance. Eli Rosenberg from Baird Holm delivers a must-attend session that provides a definitive guide to successful bank-fintech partnerships. This presentation is an essential roadmap for organizations seeking to innovate while maintaining rigorous regulatory compliance. Delve into the intricate world of regulatory requirements, from Regulation E to the Bank Secrecy Act, and learn practical strategies for developing comprehensive compliance programs. Rosenberg will share expert insights on third-party risk management, roles and responsibilities, and strategic considerations that protect the interests of banks, fintech companies, partners, and customers alike. Don't miss this opportunity to transform regulatory complexity into a competitive advantage.
To register for both of these sessions: click over to the IPC registration page and select the Pre-Conference CLE Sessions add-on as you register for the IPC. You must be registered for the IPC to attend the Pre-Conference CLE sessions.
Session 1: Fraud Prevention: Staying Ahead in a Dynamic Financial Landscape
Presenter: Linda Odom (KLGates)
In today's rapidly evolving digital financial ecosystem, fraud prevention isn't just a strategy—it's a critical lifeline for financial institutions and fintech companies. Join Linda Odom from KLG Gates for an illuminating session that demystifies the complex world of fraud management. This comprehensive presentation will equip you with actionable insights into understanding human behavior, assessing risk, and implementing cutting-edge technologies that can fortify your organization's defenses. Whether you're a risk manager, compliance officer, or financial technology professional, this session promises to provide a robust framework for developing proactive fraud prevention policies that stay one step ahead of potential threats.
Session 2: Navigating the Regulatory Maze: Bank-Fintech Partnerships Demystified
Presenter: Eli Rosenberg (Baird Holm)
The intersection of banking and financial technology represents one of the most dynamic and challenging landscapes in modern finance. Eli Rosenberg from Baird Holm delivers a must-attend session that provides a definitive guide to successful bank-fintech partnerships. This presentation is an essential roadmap for organizations seeking to innovate while maintaining rigorous regulatory compliance. Delve into the intricate world of regulatory requirements, from Regulation E to the Bank Secrecy Act, and learn practical strategies for developing comprehensive compliance programs. Rosenberg will share expert insights on third-party risk management, roles and responsibilities, and strategic considerations that protect the interests of banks, fintech companies, partners, and customers alike. Don't miss this opportunity to transform regulatory complexity into a competitive advantage.
Check Out Last Year's Agenda
Sunday, May 5, 2024
2pm - IPA Board Meeting
3pm - Registration Desk Opens
4pm - FedNow: The Future of Banking
Speaker: Allison Baller
Description: The Federal Reserve System launched the first new payment rail in almost 50 years in 2023. Is your organization ready to capitalize on instant payments? This service enables financial institutions and other service providers to offer innovative instant payments solutions that support a broad range of transaction types and use cases for businesses and consumers alike. Join Allison Baller Vice President - Federal Reserve Financial Services to learn about FedNow functionality, use case opportunities and research on U.S. instant payments demand. Plus, learn about resources available today to help your organization embrace instant payments transformation with an actionable strategy for FedNow Service implementation.
5pm - IPC Attendee Reception Sponsored by Bancorp
4pm - FedNow: The Future of Banking
Speaker: Allison Baller
Description: The Federal Reserve System launched the first new payment rail in almost 50 years in 2023. Is your organization ready to capitalize on instant payments? This service enables financial institutions and other service providers to offer innovative instant payments solutions that support a broad range of transaction types and use cases for businesses and consumers alike. Join Allison Baller Vice President - Federal Reserve Financial Services to learn about FedNow functionality, use case opportunities and research on U.S. instant payments demand. Plus, learn about resources available today to help your organization embrace instant payments transformation with an actionable strategy for FedNow Service implementation.
5pm - IPC Attendee Reception Sponsored by Bancorp
Monday, May 6, 2024
7:30am - Breakfast
8:45am - IPC Welcome
9am - Gift Card Scammers Aren’t Petty Thieves
Speakers: Robert (Bob) Skiba, Ben Jackson
Description: The perpetrators of gift card fraud are no longer just petty criminals looking to make a quick buck. Gift cards are now the target of organized retail crime rings and even nation states looking to launder money, disrupt commerce, and pay for nefarious activities. In this session, InComm Payments and the United States Secret Service will discuss attacks they have seen and what this means for fraud prevention in payments.
Speakers: Robert (Bob) Skiba, Ben Jackson
Description: The perpetrators of gift card fraud are no longer just petty criminals looking to make a quick buck. Gift cards are now the target of organized retail crime rings and even nation states looking to launder money, disrupt commerce, and pay for nefarious activities. In this session, InComm Payments and the United States Secret Service will discuss attacks they have seen and what this means for fraud prevention in payments.
9:45am - Networking Coffee Break Powered by Pathward
10:15am - Fireside chat FDIC Vice Chairman Hill
Speaker: Travis Hill
Description: Join us for an exclusive Fireside Chat at the Innovative Payments Conference, featuring FDIC Vice Chairman Hill and IPA CEO Brian Tate. Gain insights into the future of payments as they discuss regulatory frameworks, industry innovations, and collaborative strategies shaping the financial landscape. Don't miss this concise and impactful session on the evolving world of payments.
Speaker: Travis Hill
Description: Join us for an exclusive Fireside Chat at the Innovative Payments Conference, featuring FDIC Vice Chairman Hill and IPA CEO Brian Tate. Gain insights into the future of payments as they discuss regulatory frameworks, industry innovations, and collaborative strategies shaping the financial landscape. Don't miss this concise and impactful session on the evolving world of payments.
10:45am - Central Payments, Street Charity and Discover
Speakers: Miladys Felix, John Patton, Jeff Cogswell
Description: Join us for an illuminating panel discussion featuring Central Payments and Street Charity as they unveil the innovative PayCP Platform. Discover how partners can maximize benefits from this white-label, turn-key solution for disbursements, utilizing an intuitive online portal that showcases their brand. Explore opportunities to leverage the prepaid platform for loyalty, award and promotions initiatives, while collaborating with Street Charity to provide essential support for the homeless community.
Speakers: Miladys Felix, John Patton, Jeff Cogswell
Description: Join us for an illuminating panel discussion featuring Central Payments and Street Charity as they unveil the innovative PayCP Platform. Discover how partners can maximize benefits from this white-label, turn-key solution for disbursements, utilizing an intuitive online portal that showcases their brand. Explore opportunities to leverage the prepaid platform for loyalty, award and promotions initiatives, while collaborating with Street Charity to provide essential support for the homeless community.
11:15am - AI, Quantum Computing, and Fraud Defense
Speaker: Adwait Joshi
Description: Artificial Intelligence has been a part of fraud prevention for years, but the recent growth in generative AI has put more tools in the hands of hackers. At the same time, the approach of quantum computing holds the potential to supercharge both attacks and defenses. In this session, Adwait Joshi, the head of the AI company DataSeers, will talk about trends he is seeing in the real world and what those trends tell us about what is coming next.
Speaker: Adwait Joshi
Description: Artificial Intelligence has been a part of fraud prevention for years, but the recent growth in generative AI has put more tools in the hands of hackers. At the same time, the approach of quantum computing holds the potential to supercharge both attacks and defenses. In this session, Adwait Joshi, the head of the AI company DataSeers, will talk about trends he is seeing in the real world and what those trends tell us about what is coming next.
12pm - Networking Lunch
1pm - Where to Turn When the Political Climate Heats Up
Speaker: Amy Walter
Description: Amy Walter speaks with aplomb about the electoral process, congressional culture, and the Washington political scene as a whole. A familiar presence across the media spectrum, her range of topics and expertise provides an engaging, compelling presentation that keeps audiences riveted. Walter discusses not only electoral politics, but also the politics of policy, Washington’s dysfunction, and the people and strategies behind events unfolding in Congress and the White House.
Speaker: Amy Walter
Description: Amy Walter speaks with aplomb about the electoral process, congressional culture, and the Washington political scene as a whole. A familiar presence across the media spectrum, her range of topics and expertise provides an engaging, compelling presentation that keeps audiences riveted. Walter discusses not only electoral politics, but also the politics of policy, Washington’s dysfunction, and the people and strategies behind events unfolding in Congress and the White House.
2pm - Understanding Faster and Instant Payments Networks – What You Need to Know
Speaker: Mary Taylor
Description: As faster and instant payments networks in the US continue to innovate and evolve, gain an understanding of differences between payment rails, key attributes, and role of value-added services. Learn about a recent consumer fraud study conducted by Mintel on behalf of Visa that reveals insights and implications from victims of Authorized Push Payment fraud.
Speaker: Mary Taylor
Description: As faster and instant payments networks in the US continue to innovate and evolve, gain an understanding of differences between payment rails, key attributes, and role of value-added services. Learn about a recent consumer fraud study conducted by Mintel on behalf of Visa that reveals insights and implications from victims of Authorized Push Payment fraud.
3pm - Networking Coffee Break Powered by Pathward
3:15pm - Partnership Payments: Embedded Finance and Open Banking
Speakers: Angie Ralston, Trent Sorbe, Judith Rinearson
Description: The future of payments will be about partnerships between financial institutions and other companies. In this session, the panel will cover how FIs could open new business lines through embedded finance with other companies. They will also discuss how open banking will make it possible to create new products both within embedded finance and their own product lines.
Speakers: Angie Ralston, Trent Sorbe, Judith Rinearson
Description: The future of payments will be about partnerships between financial institutions and other companies. In this session, the panel will cover how FIs could open new business lines through embedded finance with other companies. They will also discuss how open banking will make it possible to create new products both within embedded finance and their own product lines.
4pm - The State of Regulated Money Transmission
Speakers: Kathy Tomasofsky, Amy Greenwood-Field, Mary Pfaff
Description: Join Kathy Tomasofsky, Executive Director of the Money Services Business Association, Amy Greenwood-Field, Partner at McGlinchey and Chair of the Industry Advisory Council to the Money Transmitter Regulator Board, and Mary Pfaff, Senior Director, State Legislative Policy at the Conference of State Bank Supervisors as they assess the current environment of Regulated Money Transmission. This comprehensive discussion will discuss the Money Transmission Model Act (MTMA), available uniform exemptions, and how states are increasing review and oversight of previously less regulated products such as Earned Wage Access and Virtual Currency.
You will not want to miss this discussion to learn to navigate this still challenging environment. The good news is there is harmonization coming and there are tools to be aware of as you enter the world of state licensing.
Speakers: Kathy Tomasofsky, Amy Greenwood-Field, Mary Pfaff
Description: Join Kathy Tomasofsky, Executive Director of the Money Services Business Association, Amy Greenwood-Field, Partner at McGlinchey and Chair of the Industry Advisory Council to the Money Transmitter Regulator Board, and Mary Pfaff, Senior Director, State Legislative Policy at the Conference of State Bank Supervisors as they assess the current environment of Regulated Money Transmission. This comprehensive discussion will discuss the Money Transmission Model Act (MTMA), available uniform exemptions, and how states are increasing review and oversight of previously less regulated products such as Earned Wage Access and Virtual Currency.
You will not want to miss this discussion to learn to navigate this still challenging environment. The good news is there is harmonization coming and there are tools to be aware of as you enter the world of state licensing.
4:30pm - Earned Wage Access and the Future of Financial Inclusion
Speakers: Claudia Flores, Kevin Lefton
Description: Earned Wage Access (EWA) is the financial technology innovation at the intersection of payroll and banking, offered by America’s leading employers to help their employees live a better economic life. In this session, payments industry leaders will discuss how millions of American workers in both the public and private sectors are leveraging this dynamic technology to secure immediate, safe, and reliable access to their earned wages when needed. The expert panel will also address the industry’s regulatory trajectory and the seismic impact earned wage access has on money movement.
Speakers: Claudia Flores, Kevin Lefton
Description: Earned Wage Access (EWA) is the financial technology innovation at the intersection of payroll and banking, offered by America’s leading employers to help their employees live a better economic life. In this session, payments industry leaders will discuss how millions of American workers in both the public and private sectors are leveraging this dynamic technology to secure immediate, safe, and reliable access to their earned wages when needed. The expert panel will also address the industry’s regulatory trajectory and the seismic impact earned wage access has on money movement.
5:30pm - Opening Night Reception Sponsored by Visa
9pm - Late Night Reception
Tuesday, May 7, 2024
7:30am - Breakfast
9am - Charting the Course: A Conversation with Congressman Flood
Speaker: U.S. Congressman Mike Flood
About Congressman Flood: US. Congressman Mike Flood has a background in radio and founded Flood Communications. Elected to the Nebraska Legislature in 2005, he became the youngest Speaker in 2007. In June 2022, he won a special election for Nebraska's 1st District in the U.S. House of Representatives. Flood is dedicated to rural community development, creating jobs, and advancing conservative values. He is involved in economic development and serves on the Financial Services Committee. Flood is married with two sons and resides in Norfolk.
Speaker: U.S. Congressman Mike Flood
About Congressman Flood: US. Congressman Mike Flood has a background in radio and founded Flood Communications. Elected to the Nebraska Legislature in 2005, he became the youngest Speaker in 2007. In June 2022, he won a special election for Nebraska's 1st District in the U.S. House of Representatives. Flood is dedicated to rural community development, creating jobs, and advancing conservative values. He is involved in economic development and serves on the Financial Services Committee. Flood is married with two sons and resides in Norfolk.
9:30am - CIP and Fintech Oversight and how to stay off the Regulatory Radar
Speakers: Gracie Ortiz, Brad Rustin, Sarah Beth Felix, BJ Moravek
Description: Several recent consent regulatory actions against issuing banks have focused on AML/BSA concerns regarding customer identification programs. A recent request for information from the Financial Crimes Enforcement Network (FinCEN) also focuses in on CIP. Our panel will discuss how banks can manage their CIP programs under this intense regulatory environment, and how issuers should exercise their power over fintechs to ensure overall compliance.
Speakers: Gracie Ortiz, Brad Rustin, Sarah Beth Felix, BJ Moravek
Description: Several recent consent regulatory actions against issuing banks have focused on AML/BSA concerns regarding customer identification programs. A recent request for information from the Financial Crimes Enforcement Network (FinCEN) also focuses in on CIP. Our panel will discuss how banks can manage their CIP programs under this intense regulatory environment, and how issuers should exercise their power over fintechs to ensure overall compliance.
10:15am - Battling Financial Crime: Understanding the Rise of Chinese Money Laundering in the U.S. and How it Connects to Retail Theft and Fraudulent Prepaid Cards
Speaker: Brian S. Davis, Director, Cross-Border Financial Crime Center, Homeland Security Investigations
Description: Homeland Security Investigations (HSI) will provide an overview of its Cross-Border Financial Crime Center (CBFCC) and the emerging threat posed by Chinese money laundering organizations (CMLOs) operating in the United States. In addition to highlighting the paradigm shift regarding the rise of CMLOs (both in the U.S. and globally), HSI will discuss their convergence with organized retail crime and their use of prepaid cards/fraud as part of international money laundering schemes. This compelling session will also focus on the need for collaboration with the private sector to address these evolving threats.
Speaker: Brian S. Davis, Director, Cross-Border Financial Crime Center, Homeland Security Investigations
Description: Homeland Security Investigations (HSI) will provide an overview of its Cross-Border Financial Crime Center (CBFCC) and the emerging threat posed by Chinese money laundering organizations (CMLOs) operating in the United States. In addition to highlighting the paradigm shift regarding the rise of CMLOs (both in the U.S. and globally), HSI will discuss their convergence with organized retail crime and their use of prepaid cards/fraud as part of international money laundering schemes. This compelling session will also focus on the need for collaboration with the private sector to address these evolving threats.
11am - Networking Coffee Break Powered by Pathward
11:15am -Decoding Card Fraud in the Age of AI and Rising First-Party Fraud
Speakers: Peggy O’Leary, Eric Trudeau, Brian Axell
Description: Far from the cost of doing business, fraud (and how regulators view it) has changed dramatically in recent years. From the alarming rise in account takeover fraud and increasingly sophisticated P2P scams to the persistence of first-party and synthetic fraud, we'll uncover fraud trends affecting both consumer and corporate cards. You’ll learn where FIs and other payments providers are investing in technology and making operational changes to thwart fraudsters and protect consumers as well as their bottom line.
Speakers: Peggy O’Leary, Eric Trudeau, Brian Axell
Description: Far from the cost of doing business, fraud (and how regulators view it) has changed dramatically in recent years. From the alarming rise in account takeover fraud and increasingly sophisticated P2P scams to the persistence of first-party and synthetic fraud, we'll uncover fraud trends affecting both consumer and corporate cards. You’ll learn where FIs and other payments providers are investing in technology and making operational changes to thwart fraudsters and protect consumers as well as their bottom line.
11:45am - Maher Award Presentation
12:15pm - Networking Lunch
1:15pm - A Fireside Chat with Jeanette Quick
Speaker: Jeanette Quick
Description: Join us for an engaging fireside chat with Jeanette Quick, Deputy Assistant Secretary for the Office of Financial Institutions Policy at the U.S. Department of the Treasury.
Speaker: Jeanette Quick
Description: Join us for an engaging fireside chat with Jeanette Quick, Deputy Assistant Secretary for the Office of Financial Institutions Policy at the U.S. Department of the Treasury.
1:45pm - Scams and the Invulnerability Illusion – How Susceptibility Impacted Losses in 2023
Speaker: Melissa “Mel” Trumpower
Description: To better understand which scam types pose the highest risk, BBB Institute for Marketplace Trust assesses risk based on the BBB Risk Index: Exposure x Susceptibility (or likelihood of loss) x Monetary Loss. These three factors help us understand the impact of scams and who is most vulnerable. Each year, BBB Institute publishes its annual findings in the BBB Scam Tracker Risk Report. The report also includes survey research conducted with those who reported scams to BBB Scam Tracker. This presentation will share findings from our report and explore the differences in risk borne by specific subsets of the population.
Speaker: Melissa “Mel” Trumpower
Description: To better understand which scam types pose the highest risk, BBB Institute for Marketplace Trust assesses risk based on the BBB Risk Index: Exposure x Susceptibility (or likelihood of loss) x Monetary Loss. These three factors help us understand the impact of scams and who is most vulnerable. Each year, BBB Institute publishes its annual findings in the BBB Scam Tracker Risk Report. The report also includes survey research conducted with those who reported scams to BBB Scam Tracker. This presentation will share findings from our report and explore the differences in risk borne by specific subsets of the population.
2:15pm - Third Party Oversight - No One’s Exempt
Speaker: Joyce Mehlman
Description: In this session we will discuss third party oversight and how it impacts both Banks and FinTechs. Together, we will consider how oversight is not just due diligence to make sure the third party you are working with is acceptable, but also ensuring that we all pay attention to what the third party’s business and risk model is and how they fit into a Bank’s risk model. Attendees will learn what third party oversight encompasses, the risks that come with third-party relationships, the requirements tied to oversight, and how the recent joint guidance from the FDIC, FRB, and OCC impacts how Banks and FinTechs should be thinking about third-party relationships and oversight going forward.
Speaker: Joyce Mehlman
Description: In this session we will discuss third party oversight and how it impacts both Banks and FinTechs. Together, we will consider how oversight is not just due diligence to make sure the third party you are working with is acceptable, but also ensuring that we all pay attention to what the third party’s business and risk model is and how they fit into a Bank’s risk model. Attendees will learn what third party oversight encompasses, the risks that come with third-party relationships, the requirements tied to oversight, and how the recent joint guidance from the FDIC, FRB, and OCC impacts how Banks and FinTechs should be thinking about third-party relationships and oversight going forward.
3:30pm - Closing Remarks