Ali Ayca is Senior Vice President, Head of Sales within the Retail Banking for First Horizon Bank. His responsibilities include defining and developing a client-centric Retail Bank sales culture, supporting effective execution of sales strategies and supporting retail leadership teams to drive balanced and strong sales and client experience results. He joined First Horizon Bank in 2016 and previously served as the Consumer Market Executive for Middle Tennessee (Capital Bank) and most recently as the Retail Banking Executive for the Community Markets.
Prior to joining First Horizon, Ali held Regional Retail Bank leadership roles with Bank of America in Rochester, New York, and Nashville, Tennessee. Earlier in his career, he had various sales and leadership roles at Circuit City.
Ali attended Edinboro University in Pennsylvania and earned a Bachelor of Science in Business Administration degree from Walden University.
Ali is a native of Istanbul, Turkey, and currently resides in Franklin, Tennessee, with his wife, Melissa, and their three children, Jaida (11), Logan (8) and Ella (6). He and his family have a passion for the community and are active with several different organizations, but are especially committed to St. Jude Children’s Research Hospital.
Dal is a veteran of the banking business, and has held senior management positions in commercial banking and the credit union industry. His experience includes bank and branch operations, fraud and security, and training and education. Dal has served as a BSA Officer, and has expertise in compliance, product development and implementation, Check and ACH rules, regulations, and payments risk management. Dal acquired both the National Check Professional (NCP) certification and the Accredited ACH Professional (AAP) certification. Currently, Dal is Director of Education for ECCHO, a division of The Clearing House.
Nell Campbell-Drake is a vice president in the Retail Payments Office (RPO) at the Federal Reserve Bank of Atlanta. She has responsibility for the RPO’s strategic business relations, both domestic and international, vendor relations, payments innovation, product marketing and external/customer communications. She serves as the RPO’s primary liaison for external business relations and outreach, working collaboratively with other Federal Reserve product offices and industry partners. She represents the RPO and Federal Reserve Banks on a number of payments industry groups.
Ms. Campbell-Drake joined the Federal Reserve Bank of Atlanta in 1991. She has represented the Bank on both district and System-level assignments throughout her career. Before joining the Bank, she worked at Merrill Lynch Brokerage Firm in a number of capacities.
Ms. Campbell-Drake is active in her community and serves as a board member of Community in Schools (CIS) of Atlanta and is the acting Chair of the board. She holds a bachelor's degree in communications and an MBA with a concentration in finance from Jackson State University. She completed the executive development program at the Fuqua School of Business Executive Education at Duke University and is an Accredited ACH Professional (AAP).
Jim Cunha is the Senior Vice President of Secure Payments and FinTech Research at the Federal Reserve Bank of Boston. His entire career has focused on the interrelationship of payments, security, technology and innovation.
Cunha leads the Federal Reserve’s Secure Payment efforts, which seeks to help reduce fraud in the U.S. payments system through collaboration with industry participants.
Cunha is also spearheading the Boston Fed’s efforts to study distributed ledger technology, or blockchain, to determine potential benefits and risks in financial services for internal and external uses. He is specifically focused on the evolution of the technology and its potential impact on the financial services sector. He is also responsible for the Bank’s technology research related to central bank digital currencies (CBDC), including a joint research effort with MIT’s Digital Currency Initiative.
Cunha is also responsible for the Mobile Payment Industry Workgroup, which is a collaborative industry effort to study and eliminate barriers to the adoption of mobile technology in payments.
Cunha has worked at the Boston Fed since 1984. Prior to that, he worked at Fleet National Bank. He holds a bachelor’s in accounting and philosophy from Northeastern University and a bachelor’s in computer science from Rhode Island College.
Claire Greene is a payments risk expert in the Retail Payments Risk Forum at the Federal Reserve Bank of Atlanta. She works with members of the Atlanta Fed research department, analysts in the Cash Product Office at the San Francisco Fed, and researchers at the Boston Fed on the Survey and Diary of Consumer Payment Choice. Claire also works on the reporting of the Federal Reserve Payments Study.
Before joining the Atlanta Fed in 2018, Claire focused on consumer payments research at the Federal Reserve Bank of Boston. Covering two points of the compass, Claire earned an MBA from Northeastern University and a bachelor’s degree in music from Northwestern University.
She and other members of the Retail Payments Risk Forum blog regularly at takeonpayments.frbatlanta.org.
Chris L. Hamm, CFE is a Vice President with First Citizens National Bank in Dyersburg, TN where he has been a teammate for four years. A member of the Association of Certified Fraud Examiners, Chris is currently leading the bank’s Fraud Department, while also serving as BSA Officer and Bank Security Officer. He and his team work to protect the bank, and its customers, from monetary loss while identifying and investigating all aspects of suspicious activity. Working with various agencies, Chris has been involved in the investigation of numerous cases of Elder Financial Abuse and Exploitation. He shares knowledge gained from each experience through speaking engagements with groups, and organizations, in an effort to assist in combatting the ongoing criminal activity targeting seniors.
Chris earned both an Associate’s Degree, and a Bachelor’s Degree, in Criminal Justice prior to pursuing a career in law enforcement that spanned fifteen years. During his tenure he held numerous positions, including that of Criminal Investigator for the City of Dyersburg.
As Vice President of Product Management, Eric is responsible for managing Yodlee products focused on Data Aggregation, Financial Wellness, Bank Account Verification and Credit/Risk. In this role Eric focuses on how to best enable the Yodlee Platform to meet the needs of the market and Yodlee’s clients. Having joined Yodlee in 2010, Eric has worked with countless banks and FinTechs that at are looking to offer unique and differentiated interactions with their customers through Yodlee’s products.
Prior to joining Yodlee, Eric spent a combined 10 years with FIS/Metavante in the payments division primarily focused on the online bill pay and payment fraud management space, helping to drive product development and innovation.
Eric began his career in the financial services sector with Bear Stearns, working with various cash and asset management systems. Eric is a graduate of Rutgers University and earned his MBA from Rider University in New Jersey, where he currently resides with his family.
Jorge Jimenez is Chairman and President of Juniper Payments, LLC. Throughout his 20-year career in payment systems, Jorge has changed conventional wisdom on payments by helping financial institutions capitalize on the latest payment innovations while implementing new payments infrastructures for entire countries.
He received a Master in Business Administration in 2001 from a joint program between the London School of Economics and Bocconi University in Milan. That same year, Jorge joined the operational arm of the Italian Central Bank, SIA Group, where he was first Project Director for the new European Clearing House in support of the newly introduced Euro (STEP2) and later in charge of developing the national payment infrastructure for Central Banks in Latin America and Africa. Jorge has worked with governments and Central Banks in over 50 countries, including the Federal Reserve where he was Product Development Director for their International ACH solution. He is also currently advising the Office of Technical Assistance of the U.S. Treasury on foreign policy as it relates to Payment Systems, and Financial Inclusion.
Connie LaChance has been providing payments education and training for WesPay since 2016. Prior to WesPay, Connie has spent nearly twenty years in the credit union industry. For over sixteen years, she has been involved in ACH Operations; eight of those managing ACH operations for the largest credit union in Colorado. Connie has been an Accredited ACH Professional (AAP) since 2011. More recently, Connie has earned the National Check Professional (NCP) certification in 2017 and the Accredited Payments Risk Professional (APRP) accreditation in 2018. In her free time, Connie enjoys spending time outdoors with her husband and two German Shepard “puppies”.
Jane Larimer is President and CEO of Nacha, which governs the modern ACH Network, the payment system driving nearly 27 billion safe, fast payments annually. Jane has led Nacha since July 2019, guiding the association as it builds consensus to advance innovation in the payments industry.
An Ohio native raised in Florida, Jane joined Nacha as its first in-house counsel in 1996 and has also served as the association’s chief operating officer and executive vice president of ACH Network Administration.
Jane holds a law degree from the University of Florida – Fredric G. Levin College of Law. Prior to Nacha, Jane practiced law in Atlanta at a firm now known as Bryan Cave LLP, and earlier worked at NationsBank, now Bank of America.
Nanci is new to Affirmative Technologies but certainly not new to the financial industry. Nanci has over 35-years’ experience in banks and credit unions including 22-years as Deposit Operations Supervisor, Teller Supervisor, Training Coordinator, OFAC Officer, and ACH Auditor. Nanci spent five years in financial technology as a Deposit Implementations Analyst for Finastra (fka D + H, USA) and Training Specialist on the Phoenix core processing platform. Most recently, Nanci worked 4 years as Vice President, Payments Consulting at ePayResources. While at ePayResources, Nanci performed audits and risk assessments of electronic payments including ACH, remote deposit capture, and wire transfer and provided customized consulting engagements including but not limited; payments strategy, electronic compliance review, treasury management, and faster payments and real-time payments planning and implementation.
Now, as Vice President, Compliance & Business Relationships at Affirmative Technologies, Nanci works with clients to determine compliant solutions for managing and monitoring risks within their payment service channels. Regardless if it is operational efficiencies, risk mitigation, regulatory issues, payments strategy, or data analysis, Nanci will work with clients to ensure they have the necessary information and education to make sound business decisions.
Nanci holds a Bachelor of Science degree in Business Information Management from Seminole State College, Sanford, FL. She became an Accredited ACH Professional (AAP) in 2004 and became an Accredited Payments Risk Professional (APRP) in 2018. She is a current student at Florida State University College of Law working to achieve a Juris Master’s degree in Financial Regulation and Compliance.
Richard Oliver, payments system consultant, retired in 2011 as an Executive Vice President of the Federal Reserve Bank of Atlanta, where he spent 38 years overseeing technology and payments system services, including check, ACH, and wire transfer. From 1998 to 2010, he was the Federal Reserve System’s Retail Payments Product Manager with profit and loss responsibilities for the Fed’s $750 million check and ACH businesses. During 2010-2011, Oliver served as head of the Retail Payments Risk Forum, where he co-led an industry effort to explore and document the evolution of mobile payments in the United States. Over the past nine years he has delivered many industry speeches, taught at industry schools, published a textbook on the U.S. payments system (The Story of Payments: How the Industrialization of Trust Created the Modern Payments System), and facilitated nearly a dozen strategic planning initiatives for payments organizations and universities, including the Georgia Tech College of Computing.
Oliver received an undergraduate degree in Mathematics from the University of Nevada, a Masters in Information and Computer Science from the Georgia Institute of Technology, and an MBA from Georgia State University. He also attended executive development programs at the University of Tennessee and Harvard University. In 2010, he received the prestigious George Mitchell Payments System Excellence Award from the National Automated Clearinghouse Association. He subsequently received similar recognitions from the Western Payments Alliance, the Georgia Automated Clearing House Association and Eastpay (now ePayResources). He and his wife Karen reside in Conyers, Georgia and are the parents of two children and grandparents of four girls.
David Payne has over 15 years audit and risk management experience. He is the Compliance Manager for Alkami, helping to ensure compliance with applicable laws, regulations, and industry requirements. David has assisted several Payments Associations develop risk assessments, audit workpapers and was instrumental in implementing electronic workpapers for ePayResources. He has spoken at many PA conferences and NACHA’s Payments conference on a variety of audit, compliance, and risk management topics. David is a certified Class Instructor for National Check Payments Certification classes.
David graduated from Auburn University with a BSBA in Finance and the Community Banking School at Samford University. He received his Certified Internal Auditor designation in 2008, has been an Accredited ACH Professional since 2007, and received his National Check Professional certification in 2012. David has a fascination with the impact of psychology on risk management, fraud prevention, and how fraud evolves to reduce the effectiveness of internal controls.
Nasreen Quibria serves as Vice President, Emerging Payments and Technology Policy at Independent Community Bankers of America (ICBA). A recognized payments industry authority, her expertise encompasses the financial ecosystem, spanning disruptive emerging technologies (blockchain, bitcoin, NFC) in the consumer space to corporate treasury, cash management, bank transformation and payment market infrastructure modernization efforts. These are areas she also covered as a former industry analyst and as an executive consultant with prominent firms. Previously Quibria founded the boutique payments research and consulting company Q Insights. Quibria also served as senior advisor in innovation and technology to NACHA, providing guidance on standardization efforts in U.S. financial services enabled by APIs and ISO 20022.
Quibria has a track record of leading successful initiatives in the financial services and technology industries. She was instrumental in redefining the direction of the Association for Financial Professionals (AFP), and a key architect of the Federal Reserve Bank of Boston's Emerging Payments Research Group (EPRG). Prior to the Fed, as director of product development and management at Eliza Corporation she played a pivotal role in transforming a start-up company to a profitable business. During her tenure at Eliza, Quibria became the co-inventor of two patents in artificial intelligence.
Quibria holds a BA in economics from Wellesley College and an MBA in finance and strategy from Boston College.
Andrés is assistant vice president for Secure Payments and is responsible for the design, development, and implementation of the strategy for improving security and resiliency of the U.S. payments system. This work entails collaboration with payments professionals across the financial system, and with interested stakeholders in various related industries. Andrés brings over 25 years of experience in financial services, information technology, and risk management to the Secure Payments initiative.
Prior to joining the Bank, Andrés was a vice president at Fidelity Institutional, where for eight years he led the brokerage platform technology risk management function. While at Fidelity, Andrés held several other senior leadership positions in technology, risk management, and compliance across multiple business lines.
Pam has a “Passion for Payments and People” and has over 30 years of experience conducting audits, risk assessments and speaking sessions for financial institutions and third-parties engaged in the ACH Network. She is a member of Nacha’s APRP Oversight Panel, serves on Nacha’s Payments Institute Board of Regents and has served several terms on Nacha’s Risk Management Advisory Group.
Prior to joining Southern Financial Exchange as Senior Vice President of Member Services, Pam was President & CEO of ePayAdvisors and former EastPay Advisory Services and Executive Director of the Alabama ACH Association.
Pam is a lover of music, enjoys gardening and the outdoors. In her spare time, she volunteers as a Magic Maker for Magic Moments, whose purpose is to provide happiness to children throughout the state of Alabama who have been diagnosed with chronic life-threatening illnesses.
As a senior product marketer at Q2, Debbie Smart serves as the voice of the modern banking customer and the evolving financial services industry. With more than 40 years of banking and cash management experience, Debbie works to deeply understand Q2’s existing and desired customers, leveraging market research and competitive intelligence to forge new partnerships and influence product capabilities across Q2’s business product suite.
Prior to joining Q2, Debbie served in multiple senior management roles in the financial services industry where she guided product development, payments innovation and more. She also spent many years at an FI managing the cash management department and operations for electronic payments.
Throughout Debbie’s career in financial services, she has been a featured speaker at numerous industry-wide conferences and has served on multiple boards, councils and task forces, including the Association for Financial Technology Board of Directors, NACHA’s Payments Innovation Alliance and the Federal Reserve System’s Faster Payments Task Force. In her free time, Debbie is an avid scuba diver and traveler. When she’s not out on an adventure, you can find her curled up with a good book at home.
Mike Timoney is Vice President of Secure Payments at the Federal Reserve Bank of Boston. Mike has responsibility to understand the payments and fraud landscape and identify areas where security must be improved. Mike is responsible to design, develop, and implement key elements of the Fed’s strategy for payment security with initial focus on efforts related to fraud definitions and improving fraud data, and research into fraud, cyber threats, and emerging technologies. He also contributes to opportunities for collaboration with the payments industry. Mike joined the Boston Fed in 2019 from Bank of America where he served as head of global card and comprehensive payables fraud. He held various roles of increasingly responsibility at Bank of America, including in commercial and corporate treasury fraud, electronic payments, and program and portfolio management. Mike holds degrees from The University of North Carolina Charlotte.
Giles Witherspoon-Boyd is Founder and CEO of Protocol Enterprises LLC based in Pleasant Grove, Utah. Giles currently is a PCI QSA, PCI-QIR, PCIP, HITRUST CCSFP and an ISO/IEC 27001 Lead Auditor. Giles is a unique voice with very unique and exceptional skills in an industry that really needs the perspective and vision he has for the future of this growing industry.