APP East Regional Roadshow - Atlanta

Opening

Welcome to the APP East Regional

Mastercard Scam Merchant Monitoring

A panel of risk and fraud experts discuss the new Mastercard rules and answer questions from the audience

The ACH Network and Your Role in Risk Management

If you’re a member of APP, your company is likely involved in ACH in one way or another. Third-Party Senders facilitate ACH payments between businesses and their customers. Merchant Acquirers, even those that don’t offer ACH payment facilitation to their merchants, settle using the ACH Network. Almost all companies are Originators for their own transactions. You have a responsibility to your company, your customers, and to the ACH Network to practice good risk management. Join Jordan to discuss controls and practices that can identify, mitigate, and prevent fraud at your organization.

Jordan Bennett, Sr. Dir., ACH Network Risk Management, Nacha

Emerging Impacts of Ideological Views: The Politicization of Payments

The payments landscape is undergoing a profound transformation, increasingly shaped by
policy direction, political momentum, and an evolving enforcement posture. From the
fragmentation of state regimes—such as legislation surrounding MCC 5723—to the federal
directive prohibiting the use of "reputational risk" in bank examinations, industry participants
face a complex web of regulatory uncertainty. As state legislators and federal agencies
increasingly influence the flow of commerce through the lens of ideological alignment, financial
institutions and payment providers face a complex, often contradictory compliance environment.
This panel will examine the intersection of constitutional protections with business practices,
FTC enforcement and judicial challenges that are redefining risk-based decisioning for banks,
fintechs, and merchant services providers, and the strategic implications of new federal
directives regarding reputational risk.

Moderator: Robyn Mitchell, Chief Compliance Officer, North
Deron Hicks, 
Felicia Short, 

MATCH Litigation

A flash session that gives an update on recent MATCH litigation cases.

The Crossroads of AI and Digital Pricing

Session Details coming soon.

Speakers:
Cameron Hotra
8am

Raymond Kelsey
CC Bill

Bank Sponsorship oversight of "partners" is governed by both payment network rules and bank regulations. Bank partners include ISOs, payment facilitators (PFs), and agent banks. Sponsor bank panelists will share their risk tiers and their requirements and intervals for partner reporting, testing, and policy reviews, Our ISO panelist will share experiences and challenges as both a retail and wholesale ISO and how the ISO navigates with American Express and Discover Network. We will engage audience members as appropriate to address oversight concerns and share experiences and possible solutions and facilitate a Q & A session.

Martha Rhine
Moderator

Katie Smith
Chesapeake Bank

Brendan Stevens
Synovus Bank

Allison Carter
Gravity Payments

3:05 PM -
3:50 PM

Beyond Pharma: Opportunities and Pitfalls of Expanding into High-Risk Categories

Pharmaceuticals, telemedicine, and supplements get most of the attention in high-risk payments conversations — but they're far from the only categories worth watching. For acquirers, ISOs, and PayFacs willing to do the work, several other high-risk verticals represent some of the highest-margin opportunities in the market. What comes with that margin? Compliance requirements, card brand exposure, and regulatory complexity that are equally elevated.

This session digs into three categories that are generating significant compliance activity, triggering card network fines, and creating real risk for payment providers who aren't paying attention: firearms and weapons, gambling and gaming, and generative AI services. We'll share what LegitScript is seeing across these verticals, the trends driving increased scrutiny, and what it takes to operate in them without landing in BRAM or VIRP violations.

Andy Bayley, Sr. Product Counsel, Research & Data, LegitScript

Roundtable Discussion on Your Tougher Cases & What Keeps Us Up at Night

A roundtable discussion with you, the audience, discussing the tougher cases, the trends, and the items discussed during the Regional. Ask questions of your peers. Share best practices. Find solutions and friends facing the same dilemmas that you are.