2013 Agenda

Conference Day One

7:00 a.m. Registration

7:00 a.m.-8:00 a.m. Breakfast in the Exhibit Hall

8:00 a.m. NBPCA’s Power of Prepaid™ Kick-Off and Welcome

Kirsten Trusko
President & Executive Director

Frank Mastrangelo
President and Chief Operating Officer
The Bancorp Bank

8:00 a.m.-12:00 p.m. GENERAL SESSION

8:05 a.m.-8:30 a.m. Government and Innovations in Payments   

The federal government is pushing to develop and leverage technologies to eliminate checks, make payments more efficiently, better enable consumers to receive payments, and access the financial mainstream – the requirement for benefits to be paid electronically is just one example. Hear how emerging payments and Prepaid are a key part of this.

Honorable Bill Huizenga (R-MI)
House Financial Services Committee

8:30 a.m.-9:30 a.m. Innovation, Evolution, and Partnering for the Greater Good   

What can be accomplished when you get industry, government, and not-for-profits working together? We can leverage technology and the evolving financial services landscape to create and use an inclusive platform serving a broad swath of US consumers – from GenY, to retirees, to the 60 million underbanked. Hear how collaboration across industry, government, and 3rd parties is generating benefit for ALL and for the consumers we serve. Hear of the real and unique Power of Prepaid!


Wesley Wright
Senior Vice President and General Manager
Enterprise Growth
American Express

Jeanne Hogarth
Vice President of Policy
Center for Financial Services Innovation (CFSI)

Nora Arpin
Director, Government Electronic Solutions
Comerica Bank

Dennis Shaul
former Senior Professional Staff
House Financial Services


Kirsten Trusko
President & Executive Director

9:30 a.m.-10:00 a.m. Networking and Refreshment Break in the Exhibit Hall

10:00 a.m.-11:00 a.m. Firsthand Insights into the Perspectives and Priorities of Federal Regulatory Agencies with Oversight on Prepaid

As the Prepaid industry continues to face a rapidly moving legal landscape, hear targeted guidance for ensuring you are in compliance with the myriad of federal regulations and emerging legislation impacting the Prepaid industry. This panel of esteemed federal agency representatives will discuss the latest legislative developments in Washington, D.C., their perspectives on Prepaid and add-on features and enhancements, and they’ll share best practices for working with regulators to determine your compliance obligations.


Speaker to be announced
Consumer Financial Protection Bureau (CFPB)

Samantha J. Pelosi, JD
Manager, Retail Payments Section
Reserve Bank Operations and Payment Systems
Board of Governors of the Federal Reserve System

Elizabeth Baltierra
Regulatory Policy Project Officer

Gerard LiVigni
Senior Compliance Officer
U.S. Treasury Department
of the Office of Foreign Assets Control (OFAC)


Judith E. Rinearson
Bryan Cave

11:00 a.m.-12:00 p.m. Industry Panel Discussion: Maintaining a Profitable Program in a Moving Regulatory Landscape

Prepaid growth is dramatic – across all customer types – consumer, government, and corporates. A critical and very expensive challenge – is how to continue to innovate and grow, while dealing with a moving regulatory landscape. Hear from industry leaders on what they are doing to continue to fuel long term growth and profitability, while addressing this challenge.


Brad Fauss
Executive Vice President and General Counsel
Brightwell Payments, Inc.

Jeremy Kuiper
Managing Director, Payment Systems Group
The Bancorp Bank

Phillip C. (Chuck) Rouse
Chairman and Chief Architect
Card Compliant

Brad Hanson
Meta Payment Systems


Terrence P. Maher
Baird Holm LLP

12:00 p.m.-1:15 p.m. Lunch with Guest Speaker

Melissa S. Koide
Deputy Assistant Secretary
Office of Consumer Policy, U. S. Department of the Treasury

1:15 p.m.–2:15 p.m. CONCURRENT TRACKS


Voice of Investor Community – on Emerging Payments and Prepaid

Public and private investors in the financial services market are constantly scanning the horizon for micro and macro-economic and societal trends to drive changes in the financial services ecosystem and business models. Emerging payments are generating buzz, and discussions involve what will really happen and when. This maturing Prepaid market has more investor analysts now covering this sector.

Hear from experts on what they’re seeing, hearing, thinking, and seeking to pique (or plummet) their interest in Prepaid markets.

Greg Smith
Senior Research Analyst
Sterne Agee Group, Inc.

Timothy Willi
Senior Equity Analyst, Transaction Processing
Wells Fargo Securities

Matthew Kelley
Managing Director, Equity Research
Sterne Agee Group, Inc.


Frank Mastrangelo
President and Chief Operating Officer
The Bancorp Bank


Best Practices for Ensuring you are Running a Thoroughly Compliant Program in the Current and Impending Regulatory Environment

Hear senior regulators and those in the industry that are under increased scrutiny share their views on the best ways to ensure you are running a thoroughly compliant program. Key discussion points will include: preparing for an increased regulatory focus on bank oversight of program managers, how to effectively manage third-party relationships, the extension of Reg E to Prepaid, and reaction to recent enforcement actions, trends, and lessons learned.


R.B. ‘Skeet’ Rolling
Chief Operating Officer

John Hagy
Chief Legal Counsel
Meta Payment Systems

Natalie H. Diana
Senior Counsel, Office of Chief Counsel,
Financial Management Service
U.S. Department of the Treasury

Seetha Ramachandran
Deputy Chief, Asset Forfeiture and
Money Laundering Section,
Money Laundering & Bank Integrity Unit,
Criminal Division
U.S. Department of Justice


Alan E. Sorcher
Director, Forensic & Dispute Services
Deloitte Financial Advisory Services LLP

2:15 p.m.–3:15 p.m. CONCURRENT TRACKS


The Corporate Landscape – Voices of Corporate Customers and Identifying the Drivers and Areas for Growth in these Markets

Corporate customers and products are driving a real change in how business and payments are done in the U.S. and abroad. Hear from corporate customers on how Prepaid is helping to reduce costs, prevent fraud, and improve overall efficiencies and employee interactions.

Chris Byrd
President and Chief Operating Officer
Evolution 1

Deirdre Ives
Managing Director, NA Prepaid Business Head, Treasury and Trade Solutions
Citi Prepaid Services

John Barbella
Senior Vice President, Payment Solutions Group
The Bancorp Bank

Michael McShea
Vice President, Product Management
Contact Solutions, Inc.


Top 10 Tips for YOUR Effective Advocacy at the State and Local Level

Gain an update on key state legislative actions affecting Prepaid products, and how to prepare for and respond to increased state enforcement efforts. Examine the latest developments in state money transmitter statutes and which Prepaid add-ons and features constitute money transmissions. Learn about the resulting regulatory implications.


Margo Strahlberg
Bryan Cave LLP

Chuck Cross
SVP Consumer Protection
& Non-Depository Supervision
Conference of State Bank Supervisors

Donald J. Mosher
Schulte Roth & Zabel LLP


Wendy Harp-Lewis
CAMS - Chief Compliance Officer/Vice President, Corporate Legal
InteliSpend Prepaid Solutions

3:15 p.m.-3:45 p.m. Networking and Refreshment Break in the Exhibit Hall

3:45 p.m.-4:45 p.m. CONCURRENT TRACKS


Prepaid: Longer Relationships and more Profitable Products
Innovation on the Horizon to Extend and Strengthen the Life of the Prepaid Relationship

How are consumers really using their reloadable cards, and what innovations are on the horizon for the Prepaid account to play a more central role in the consumers’ full financial life.

Tim Attinger
Group Vice President
Strategy Innovation
Blackhawk Network

Alpesh Shah
Director of Product Strategy

Jeff Staples
Vice President. Marketing and Business Development

Bill Norwood
Chief Architect
Heartland Payment Systems


Amit Parikh
Global Head of Prepaid and
Director of Business Development
Discover Financial Services


Behind the Curtain: Effective Outreach and Interaction with Hill Staffers

Much of the important work done on the Hill is done by Staffers, including highlighting to the Member what are the topics on which to focus, crafting the Member briefing and talking points, and negotiating on key legislative language.  They are over busy and understaffed. Peek behind the curtain to learn from former senior Congressional staffers:

  • How are topics brought the attention of staffers?
  • From who?
  • How do they know which sources of information to trust? 
  • How do they select which topics to act upon, if it isn't something the Member has told them is important?
  • How and from whom do they gather key information to formulate their opinions and craft the positions to present to the Member?
  • What makes them more likely to listen to an industry person?  What makes them less likely?
  • Are there "top 5 tips” for working with Hill staffers?

Nicole Venable
Bockorny Group

Edward Mills
Research Analyst and Vice President
FBR Capital Markets & Co. (FBRC)

Kirra L. Jarratt
Legislative Counsel
Governmental Affairs Office of the American Bar Association


Joi Sheffield
Sheffield Brother

4:45 p.m.-6:00 p.m. GENERAL SESSION

4:45 p.m.-6:00 p.m. Point Counter Point Discussion – Equal Treatment for Prepaid Consumers? Looking to the Future.

The Prepaid industry and consumer advocates both want to assure the consumer is well served in Prepaid, with features and benefits that best fit the comprehensive needs of this ever broadening consumer base. Prepaid has become more mainstream, with some studies finding that over 40% of prepaid debit users are Gen Y, educated and of moderate income…how are/should services evolve to meet the consumers' expectations and needs? What is the history on prepaid uniquely serving consumers' needs, and what/how could/might prepaid be looking to fulfill next? How can we help to support consumers who choose prepaid debit as their primary platform to store, save, and spend money, to attain benefits on par with those choosing traditional accounts? What features and benefits, offered by whom, how, and where? What tools are needed to help this consumer build out a full financial identity for their future financial needs? Industry and advocates often disagree. Join the discussion as these questions are posed to those who often hold divergent views.


Arjan Schütte
Senior Advisor, CFSI
& Managing Partner,
Core Innovation Capital

Steve Streit
Chairman and CEO
Green Dot Corp.

Lauren Saunders
Managing Attorney
National Consumer Law Center


Dan Henry
NetSpend Corporation

Rob Rosenblatt
Unirush, LLC


Kirsten Trusko
President & Executive Director

6:00 p.m.-7:00 p.m. Cocktail Reception in the Exhibit Hall with potential Congressional Guests

Conference Day Two

7:00 a.m. Breakfast in the Exhibit Hall

8:00 a.m.-8:05 a.m. Kick-Off to Day Two

8:05 a.m.-10:30 a.m. GENERAL SESSION

8:05 a.m.-8:30 a.m. Keynote Speaker – Congressional Leader from Committee of Jurisdiction over Prepaid

8:30 a.m.-9:30 a.m. New Consumer Research, including the Role of Prepaid in Financial Literacy and Access

Understand the mindset of the consumer through the results of the research conducted by consumer advocate groups. Learn what is important to different types of consumers and what messaging can really resonate in critical communities of influence. In addition, hear different perspectives of financial literacy and Prepaid’s role in access to the financial mainstream across constituent bases, and how you can collaborate with consumer advocates to advance goals of financial literacy and inclusion.


Kathy Steinberg
Senior Account Manager
Harris Poll Insights
Representing The National Foundation for Credit Counseling’s (NFCC)
12th annual Financial Literacy Survey

Enrique Lopezlira
Senior Policy Advisor, Economic Policy, Office of Research, Advocacy, and Legislation
National Council of La Raza (NCLR)

Walt Henderson
Director of the EFT Strategy Division, Financial Management Service
U.S. Department of the Treasury


John Tyson
Vice President of Compliance
ACE Cash Express, Inc.

9:30 a.m.-10:00 a.m. The Sum of the Parts …

Local companies offering stored-value solutions have assets, such as: market expertise and an established customer base. Global providers have complementary assets: geographic reach and expertise in global markets. Both local and global companies can develop and launch solutions on their own, but this can be costly and time-consuming. By working together and leveraging the best assets of both company types, partners in the value chain have extraordinary power to develop and implement unique stored-value solutions – faster and easier than ever before. In this session, you will hear a case study on five real solutions in the market today – all meeting different needs – that have been developed and launched using this partner model.

Hal Paul
North America Region Head for Global Stored Value
Western Union

10:00 a.m. Networking & Refreshment Break in the Exhibit Hall

10:30 a.m.–11:30 p.m. CONCURRENT TRACKS


Expanded Core Financial Services and the Prepaid Consumer – Overdraft, Credit, Savings, and Remote Deposit Capture

A longer life, multifaceted relationship, is key to a long term happy consumer and profitable product. Hear from experts on the features needed to build your product set. What works well, what doesn’t, and how these apply to your business and business model.

Terri Ferrise
Vice President of Financial Services
Cachet Financial Solutions

Jeff Lewis
Vice President, General Manager, Financial Services

Scott Johnson
Vice President
Product and Strategy
Galileo Processing

Steve Parento
Vice President, Global Prepaid Product Development


Trent Sorbe
First View


Media Topics Trending in Prepaid: Teen Cards and Financial Literacy, Celebrity Cards and Disclosures

Join reporters as they discuss topics of interest to them in the Prepaid card industry, including why they are important and how companies can effectively engage with the press on these issues.

Hadley Malcolm
Business Reporter
USA Today

Danielle Douglas
Banking Reporter
Washington Post


Crystal Wright
Public Relations Strategist
Baker Wright Group, LLC & NBPCA

11:30 a.m–12:30 p.m. CONCURRENT TRACKS


Evolution/Innovation in Fighting Fraud in Prepaid

Prepaid as a young and dramatically growing financial services platform, is attracting attention from fraudsters – who are always seeking new ways to abuse the financial systems. Though young and still small compared to other financial products, key players in Prepaid have formed an alliance across industry and with law enforcement, to proactively predict and prevent fraudulent use of prepaid. Tax season this year showed the power in these efforts in reduced fraud over last. There is still much work to do. Hear from government on their perception and concern in prepaid fraud. Also hear from experts and those in the trenches as to what they're seeing, predicting, and doing – to get out in front of the fraudsters and address financial crimes in prepaid proactively.

Jimmy Gaughran
International President
International Association of Financial Crimes Investigators (IAFCI), ICE/HSI Advisor

John Morton
Chief Risk Officer
GreenDot Corporation

Michael Bresnick
Executive Director of the Financial Fraud Enforcement Task Force
US Department of Justice

James Dean
TrueCourse Advisory Services, LLC, NBPCA Law Enforcement Alliance for Prepaid


Point and Counter-Point: Voice of Consumer Advocates. How Prepaid Could and Should Help

Hear leading consumer advocates react to recent research results, and discuss with industry how Prepaid could and should help consumers with financial literacy.

Cy Richardson
Vice President, Housing and Community Development
National Urban League

Adam Rust
Research Director
Reinvestment Partner

Jeanne Hogarth
Vice President of Policy
Center for Financial Services Innovation (CFSI)


Kirsten Trusko
President & Executive Director

12:30 p.m. 1:30 p.m. GENERAL SESSION

12:30 p.m. Emerging Payments – Opportunities and Threats

There has been much discussion on the broad range of core services available to consumers and innovative ways consumers will receive their funds; consumers that include Government, corporate, peers, and self. Hear from industry and Government experts on their views of the top 3 drivers and deterrents for profitability and growth in emerging payments and Prepaid.

Anu Shultes
General Manager for Financial Services
Blackhawk Network

Steven Boyer
Executive Vice President
Galileo Processing

Brett Adams
Lead, U.S. Prepaid Products


G. Michael Flores
President and CEO
Bretton Woods, Inc.

1:30 p.m. Closing Remarks and End of Conference