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Level Up 26

APP's annual conference returns!

Monday, April 20, 2026 to Wednesday, April 22, 2026

Park MGM Las Vegas, NV

IMPORTANT NOTICE: 

Hotel - Our block closed on 4/3.
As of 4/6 at 12 pm PT, the hotel has sold out of rooms on Tuesday, the 21st. The other nights are available. The next closest hotels are Aria (link) and New York, New York (link). 


Looking for the agenda? Click the Agenda & Sessions Details above.

APP Level Up 26: 
Fall into the Rabbit Hole of Payments 

At APP’s annual Level Up conference, we invite you to follow us down the rabbit hole—into a world where curiosity meets clarity, and unexpected connections spark real solutions. Level Up isn't just a conference—it's a portal to discovery, learning, and collaboration in the ever-evolving payments ecosystem.

Whether you’re chasing compliance details like the White Rabbit or navigating the mad world of risk management, you’ll find your footing—and your people—here.


A Wonderland of Education

Level Up 26 will feature a knowledge-rich agenda crafted by APP members, for APP members. No smoke and mirrors—just real insights across the six key disciplines that define our world: Risk, Compliance, Regulatory, Security/PCI, Disputes/Chargebacks, and UW/KYC.

From curious newcomers to seasoned pros, every attendee will leave with new perspectives and practical tools for navigating the complexities of payments.


Insightful and Wonderful Connections

Wonderland isn’t a solo journey—and neither is Level Up. Through community events, meet-ups, and informal gatherings, we make space for real conversations with people who understand the peculiar puzzles of our day-to-day.

Whether it is a riddle shared over coffee or a laugh during Trivia Night, every moment is a chance to connect with peers who face the same challenges—and who may just have the key to solving yours.


Unexpected Solutions Around Every Corner

At Level Up, solutions don’t always come from where you expect. Maybe it’s a speaker whose insight shifts your thinking. Maybe it’s a hallway chat with someone who’s been exactly where you are. Or maybe it’s one of our Solution Provider partners whose tools unlock what you’ve been missing.

Like Wonderland itself, Level Up is full of twists, turns, and aha moments. One thing is certain: you won’t leave the same way you came in.


Guides, Mentors, and the Cheshire Cat’s Grin

In a world that’s constantly shifting, having experienced guides makes all the difference. Our community leaders, volunteers, and mentors offer the kind of practical wisdom and encouragement that keeps you moving forward—even when the path seems upside down.

And like any good Wonderland companion, they’re here not just to answer questions—but to help you ask better ones.


Transform Your Professional Story

At its heart, Level Up is about transformation. With more than 20 breakout sessions, immersive discussions, and opportunities to lead, you’ll return with new tools, expanded knowledge, and a fresh perspective on what’s possible.

Looking to stretch your wings beyond your current role? Volunteer opportunities let you build your personal brand, contribute to your profession, and grow as a leader in a supportive, welcoming space

Basic Schedule: 

Monday - April 20th
Tuesday - April 21st
  • Leadership Stage - Main stage sessions
  • In-Person Coffee Connects
  • Keynote Speaker
  • Welcome Reception
Wednesday - April 22nd
  • Education & Collaboration Stages - a full day of simultaneous sessions on two stages 
  • Keynote Speaker
  • Evening Free for Client Dinners/Meetings
Thursday - April 23rd
  • Vendor Breakdown
  • APP Board Meeting


Ready to Jump In?

The rabbit hole is open. Step into a world where payments professionals gather not just to learn—but to lead, connect, and reimagine what’s possible.

Join us at Level Up 2026—where curiosity leads, and confidence follows.

Main Agenda

 Session topics & speakers subject to change. Use the mobile app to avoid missing changes to the schedule.

Mobile APP

  • Agenda in your hands
  • Scavenger Hunt - win prizes
  • Receive updates and changes in real-time
  • Ask questions during sessions (mobile q's are prioritized)
  • Connect with others
  • See speaker bios

To login, scan the QR Code -->
or visit www.eventmobi.com/levelup26 

Use the e-mail used at registration.
If asked for a code, use levelup26.

Policy Details

MONDAY, April 20

Time
Session Name
+ Speakers
Description

11:00 AM - 5:00 PM

Registration Open
Level 2
Conference Center

Registration open for APP's Underwriters Workshop, APP's Disputes Workshop, Trivia Night, and Level Up 26. 

12:00 PM - 3:00 PM

Underwriters Workshop

Presidio 1/2
Level 2
Conference Center

A workshop designed to enhance your team's Underwriters to the next level. Roll-up your sleeves and sharpen your pencils because class is in session.

Click HERE for full description and registration information.

Course Leaders:
Franz Reinhöfer
Head of Underwriting
G2 Risk Solutions

Niamh Lewis
Vice President, Compliance Operations
G2 Risk Solutions

*A separate ticket is required to attend this 3-Hour, in-person course. You don't need to attend APP's Level Up to attend this program.

12:00 PM - 3:00 PM

Disputes Workshop
Richmond - Level 1 Conference Center

The Disputes Workshop is an immersive training designed to take payments professionals deeper into the world of card network dispute rules, workflows, and operational best practices.

Click HERE for full description and registration information.

Course Leader:
Dom Cirone
VP Acquirer Solutions
Equifax

Pre-Conference Event:

  • This program requires a separate ticket from Level Up. You do not need to attend Level Up to attend this program or vice versa.
  • If you prefer, you can register for Level Up 26 and add this event to your total purchase during checkout.
  • $225/pass. 3-Hour Workshop.

4:00 PM - 6:00 PM

Trivia Night
Presidio 1/2 - Level 2 Conference Center

Trivia Night is a free fun event that occurs on the night before the sessions at Level Up. This is a perfect way to meet up with other attendees before we collectively roll-up our sleeves and conference hard. 

  • Free
  • Cash Bar... but the Sponsors Have Drink Tickets
  • Snacks will be provided
  • You don't need to have a group... we'll assign you to a table.
  • BONUS - you get to pick up your badge early and avoid the long line. 

Sponsored by Visa, Mentom Payments, ChargebackHelp, Maverick & Gratify

              
             


TUESDAY, April 21

Time
Session Name
+ Speakers
Description

8:00 AM - 5:00 PM

Registration Open
Level 2
Conference Center

Registration open for Level Up 26. Get your conference lanyard.

8:00 AM - 9:00 AM

Doors Open
Presidio 4 - Level 2 Conference Center

Coffee, tea, and light breakfast available. 

8:00 - 9:00 AM

Coffee Connect

Community Room Balboa

Coffee Connects Communities' Event: 
PayFacs, Underwriters, Compliance Pros, Next Gen Leaders, and Small ISOs.

Come early and meet others in APP's communities.Not an attendee of one of our Coffee Connect Communities? No worry - this is your chance to reach out and talk to peers who share similar interests. If you attend multiple Coffee Connects you won't have to choose just one - everyone will be in the same room and you can move from group to group.

9:00 AM - 9:15 AM

Welcome
Presidio 4 - Level 2 Conference Center

APP President and Conference Chairs welcome you to Level Up 26.

APP President: Aliki Liadis-Hall
Conference Chairs: Jennifer Maddux & Marlena Hubley

9:15 AM - 10:15 AM

Impact Keynote
Presidio 4 - Level 2 Conference Center

The Billion-Dollar Heist of a Generation—and How We Stop It

Erin West
Founder & CEO
Operation Shamrock

The Billion-Dollar Heist of a Generation—and How We Stop It

During this presentation, former prosecutor and now non-profit founder Erin West will show you that pig butchering scams are not just financial crimes—they are a national security crisis.

Organized criminal networks are stealing a generation’s worth of wealth, exploiting psychology at scale, and destabilizing trust in financial systems. This is an attack that demands collective action: law enforcement, regulators, financial institutions, tech platforms, and the public all have a role to play. We cannot afford to silo this fight—the only way forward is together.

10:15 AM - 10:30 AM

Vendor Spotlight
G2 Risk Solutions

Presidio 4 - Level 2 Conference Center

Through the Looking Glass: How HI + AI can Ensure Trust and Integrity in the Payments Ecosystem

Rochelle Blease
President
G2 Risk Solutions

Through the Looking Glass: How HI + AI can Ensure Trust and Integrity in the Payments Ecosystem

As AI reshapes the payments landscape, we face a crucial question: How do we build trust in a world driven by automation? In this Vendor Spotlight, G2 Risk Solutions President Rochelle Blease explores our shared responsibility to safeguard the integrity of payments in an era defined by automation and artificial intelligence. By doubling down on our humanity—even as we embrace technology—we can enable safer digital commerce and build a stronger, more trusted global payments ecosystem. 

10:30 AM -
11:15 AM

From Policy to Action: Navigating VAMP and Its Impact on Risk Management
Presidio 4 - Level 2 Conference Center

Anush Amiryants
Director of Global Case Investigations and Enforcement
VISA

From Policy to Action: Navigating VAMP and Its Impact on Risk Management

Visa’s Acquirer Monitoring Program (VAMP) has moved from advisory to enforcement, reshaping how risk professionals approach compliance and fraud prevention. This session will break down the latest requirements and share best practices.

11:15 AM - 11:30 AM

Break

Our sponsors help make our event possible and keep attendee prices affordable. Please take a moment to visit and thank them for being part of APP!

11:30 AM -
11:45 AM

Vendor Spotlight
LegitScript
Presidio 4 - Level 2 Conference Center

Faster than the Speed of Fraud: Advances in LegitScript Merchant Risk Solutions

Dan Frechtling
SVP Product & Strategy
LegitScript

Faster than the Speed of Fraud: Advances in LegitScript Merchant Risk Solutions

The payments industry is entering a new phase shaped by rapid advances in AI and other technologies — innovations that drive new capabilities while also increasing fraud sophistication. Staying competitive means continually refining the solutions and best practices that enable scalable growth while effectively managing risk.

LegitScript has been building toward the next evolution of merchant risk management. With the acquisition of Kompliant to strengthen merchant onboarding, expanded transaction laundering detection capabilities, and enhanced visibility into downstream merchant portfolios, LegitScript helps banks, acquirers, ISOs, and PSPs strengthen oversight while supporting sustainable growth.

Join us to learn about our latest advancements in merchant risk management and how we’re partnering with organizations like yours to help achieve revenue objectives while maintaining strong compliance standards.

11:45 AM - 12:30 PM

Mastercard Compliance Program Updates and Trends
Presidio 4 - Level 2 Conference Center

Jonathan Trivelas
Vice President, Brand Performance Team
Mastercard

Mastercard Compliance Program Updates and Trends

In a Mastercard Compliance Program Updates and Trends, Jonathan Trivelas, Vice President of Brand Performance Team, will be discussing updates and recent trends across various compliance programs managed by the Brand Performance Team at Mastercard, including case studies of illegal activity identified by the BRAM (Business Risk Assessment and Mitigation) Team and common violations identified in GRIP (Global Rules Investigation Program).

12:30 PM - 12:45 PM

Vendor Spotlight
Ballerine

Presidio 4 - Level 2 Conference Center

From Automation to Agency: Acquiring Risk in the Agentic AI Era

Noam Izhaki
Co-Founder & CEO
Ballerine

From Automation to Agency: Acquiring Risk in the Agentic AI Era

Agentic AI is already changing how merchants are onboarded, monitored, and investigated. For acquiring risk leaders, the real challenge is no longer whether AI can be used, but how to supervise it, evidence it, and remain accountable for its decisions.


In this short, example-driven session, we will walk through real analysis scenarios that show how agentic AI changes acquiring risk in practice:
How AI agents analyze merchant data, web presence, and behavioral signals beyond traditional KYM

  • Early indicators of merchant risk that human reviews and rules-based systems typically miss
  • What explainability, evidence, and audit trails actually look like in AI-driven analysis
  • How acquirers can validate AI outputs and stay in control, even when relying on PayFacs or third parties


Rather than focusing on theory, this session will demonstrate how risk analysis is evolving at the ground level, and what acquiring risk teams must put in place today to safely operate in the agentic AI era.
Designed for senior acquiring risk and compliance leaders who want to understand what “agent-ready” really means - through practical analysis, not buzzwords.

12:45 PM - 2:00 PM

Lunch
Griffith 1-5, Level 2 Conference Center

Lunch is provided as part of your conference pass. 

Vegan, vegetarian, and dairy-free options will be available.

If you would like to request a kosher meal, please email us your request at event@paymentpros.org  

1:30 PM - 1:55 PM

Paytech Women Lunch and Learn
Community Room - Balboa

Paytech Women Lunch and Learn
Collaboration and Community are two bedrock principles of APP. We have partnered with our friends at PayTech Women to give them space during lunch so their members can join. If you are not a member and want to learn more, stop by and meet an amazing association with an equally amazing mission. Visit www.paytechwomen.org to learn more about PTW.

2:00 PM - 2:45 PM

VERC: Expanding the Platform for the Future of Payments Risk
Presidio 4 - Level 2 Conference Center

Speakers: 
Sawsan Williams
Director of Product Management
VISA

Anupam Chauhan
Sr. Director of Payments Ecosystem Risk Control
VISA

VERC: Expanding the Platform for the Future of Payments Risk

Visa will present the latest enhancements to Visa Ecosystem Risk Central (VERC), showcasing how it enables more efficient, scalable, and transparent Visa Acquirer Monitoring Program (VAMP) operations through enhanced workflows and modernized capabilities. The session will also highlight VERC’s broader vision that evolves beyond VAMP operations—expanding self-service onboarding, strengthening governance, and introducing new capabilities such as Visa Integrity Risk Program case management.

2:45 PM - 3:00 PM

Vendor Spotlight:
CorisAI
Presidio 4 - Level 2 Conference Center

The Gap in Every Merchant Risk Program, Including Yours

Vinodh Poyyapakkam
CEO & Co-founder
CorisAI

The Gap in Every Merchant Risk Program, Including Yours

Most merchant risk programs are stitched together -- a tool for onboarding here, something for monitoring there, and blind spots in between. Coris CEO, Vinodh Poyyapakkam, breaks down what a complete merchant risk program actually looks like in production, and why the most important risk signals aren't coming from inside your own platform -- they're coming from across the industry.

3:00 PM - 3:30 PM

Donut Break

APP was started 27 years ago with the founders gathering around coffee and donuts to collaborate on common challenges and fraud trends. We keep the tradition alive at every event with donuts for all!

Sponsored by AMPF, Inc.

3:30 PM - 4:15 PM

Staying Ahead of Scams: Trends, Tactics, and Controls
Presidio 4 - Level 2 Conference Center

Dan Munson
Sr. Director of Ecosystem Intelligence and Controls
VISA

Staying Ahead of Scams: Trends, Tactics, and Controls

Scam activity is evolving quickly, with new tactics and typologies putting increasing pressure on the ecosystem. This session will cover the latest scam trends, the vulnerabilities scammers most often exploit, and practical controls acquirers can implement to reduce exposure. We’ll also share how Visa’s Scam Disruption practice is identifying and mitigating emerging scam patterns across the network to better protect acquirers, their merchants, and consumers.

4:15 PM - 4:30 PM 

Vendor Spotlight:
TrueBiz
Presidio 4 - Level 2 Conference Center

Danny Hakimian
CEO & Founder
Truebiz

TrueBiz is Launching Something the Industry Has Needed for 50 Years!

Bad merchants don’t disappear. They re-board.We’re launching a new way for the industry to find them
first — together.

4:30 PM - 4:45 PM

An Address from the Queen of Hearts
Presidio 4 - Level 2 Conference Center

Hear Ye! Hear Ye! You are cordially invited to join the Queen of Hearts for special announcements in the Grand Hall. Don't worry, no heads will roll.

4:45 PM - 5:30 PM

Is payments without fraud possible?
Presidio 4 - Level 2 Conference Center

Guy Charpentier
Director Customer Fraud Mgmt
MasterCard

 Is payments without fraud possible?

Is payments without fraud possible? The answer is yes!

To realize a future where fraud impacts are a thing of the past, the payments industry must change the way we approach the problem. 

In a digital age, detection, without fully embracing digital technologies and strategies is no longer sufficient to meet the challenge.

5:30 PM - 5:45 PM

End of Sessions

5:30 PM - 7:00 PM

Welcome Reception

Location:
Griffith 1  - (Level 2 Conference Center) 

Sponsored by G2 Risk Solutions, Aperia Compliance & Maverick

    .

WEDNESDAY, April 22

Time
Education Stage
Presidio - 4/5
Collaboration Stage
Presidio - 1/2

7:00 AM -
8:00 AM

Government Relations Strategic Interest Group (SIG) Meeting
Lincoln Boardroom

Members of the GR SIG are invited to join for a special in-person gathering.

7:00 AM -
7:50 AM

Roundtable - Bring Your Cases
Community Room - Balboa

Part of the tradition that started it all. Join colleagues to talk about recent fraud trends, ask questions, or get advice.

7:30 AM

Doors Open to Presidio

A light breakfast, coffee and tea are available.

8:00 AM - 
8:55 AM

Keynote

Scam Patterns: Cracking the Code

Panelists:
Franz Reinhoefer 
G2 Risk Solutions

Niamh Lewis
Vice President, Compliance Operations
G2 Risk Solutions

Online scams have scaled into a global, industrialized threat, powered by cross-border networks, social-engineering playbooks, and automated systems that target consumers and payment flows at massive volume. Today, scams are the most dominant form of financial crime worldwide, with 57% of adults encountering one in the past year and more than US $442B in reported losses.

This session examines how modern scam networks operate: The emotional-manipulation techniques that drive victim authorization, the distributed roles across countries, and the network patterns that allow scams to proliferate across the payments ecosystem.

Using real case studies—including ghost-store networks and multi-domain subscription scams—attendees will see how scam clusters can be uncovered through consumer complaints, domain analysis, merchant data, and cross-platform intelligence.

We will also cover regulatory momentum (e.g., Australia’s Scams Prevention Framework, cross-border enforcement operations, and the Global Fraud Summit) and how card networks are responding with AI-powered scam-disruption practices.

Attendees will leave with a strategic view of how to recognize emerging scam patterns and strengthen end-to-end controls across underwriting, monitoring, and ecosystem collaboration.

 
 
  
There is no session planned in this room in this time block.
Join us at the other stage. 
<---------

9:00 AM - 
9:15 AM

Vendor Spotlight:
Equifax

Transforming Payment Disputes: Beyond Chargeback Management to Full-Cycle Automation and Performance Optimization

Speaker: 
Scott Przybyla
SVP, Sales Identity and Fraud 
Equifax

In today’s financial landscape, banks and merchants are losing significant
revenue due to slow, outdated, and manual dispute processes. Equifax Dispute Processing
provides an end-to-end technology platform designed to simplify this complex cycle through
unparalleled data insights and automation. While many competitors focus strictly on basic
chargeback management, this platform offers full coverage of the entire dispute lifecycle, from
initial alerts to final resolutions.
This session will explore how the platform addresses the compounded challenges faced by
acquirers—such as mandated requirements and settlement tracking—by utilizing three
specialized modules:

  • Backoffice Disputes
  • Partner Disputes
  • Merchant Disputes

 
 There is no session planned in this room in this time block.
Join us at the other stage. 
<---------

9:15 AM -
9:25 AM

Association Updates from APP President

No Session

 9:30 AM -
10:10 AM

Through the Looking Glass: Stablecoins and the New Reality of Payments

Ben Meeder
Chief Technology Officer
Coinflow

Dive into what Stablecoins are and how they are transforming payments in real time.

Stablecoins have emerged as one of the most practical applications of blockchain technology, offering the speed and programmability of crypto with the price stability businesses and consumers need. But what exactly are they, and why are major payment providers, banks, and even governments paying attention?

This session breaks down stablecoins from the ground up—how they maintain their peg, and the infrastructure that makes them work. We'll explore real-world use cases transforming payments today: near-instant cross-border settlements, 24/7 treasury operations, and frictionless merchant payouts that bypass traditional rails.

You'll also learn about the regulatory landscape taking shape, the operational considerations for integrating stablecoins into existing payment flows, and where the technology is headed. Whether you're evaluating stablecoins for your organization or simply want to understand the technology, this session provides the practical foundation you need.

New Rules: Experiences of High-Volume Participants

Panelists:
Jordan Bennett  
Senior Director - Network Risk
Nacha 

Jennifer Maddux
Head of Money Movement Rules Compliance
Intuit 

Jennifer Miller
Senior Director of Business Development
UMACHA

Nanci McKenzie
Director, TM Payments Expert • TM Product and Expert Center
Capital One Bank

Join Capital One Bank, Intuit, UMACHA and Nacha in a discussion of the New Rules on fraud monitoring. Phase one implementation for high volume participants started on March 20 and phase two implementation begins on June 22. The 2026 Nacha Rule changes require mandatory fraud monitoring by ODFIs, RDFIs, Third-Party Senders, and non-consumer originators. This session will help you formulate your plans by providing insights into what you might encounter implementing such a material change, and prompt discussion into where the monitoring requirement may present more subtle but far-reaching challenges. Hear from a high-volume bank and a high-volume TPS and learn from their experiences in implementing the new Rules, their strategies, and what compliance has meant for their organizations. 

10:15 AM -
10:30 AM

Vendor Spotlight: Chargebacks 911

The Call Is Coming From Inside the House: Rethinking Chargebacks in a Smarter Fraud Era

Speaker: 
Zak Matthews
Vice President, Solutions Engineering and Partnerships
Chargebacks911

Many disputes now stem from legitimate transactions, whether driven by intentional behavior or simple confusion. The challenge isn’t just stopping fraud at checkout; it’s understanding what happens after the transaction. In this session, we’ll explore why merchants need to unify post-transaction data across payments, customer interactions, and disputes to gain full visibility into how and why chargebacks occur, and how to effectively prevent and respond to those tied to legitimate purchases.

Vendor Spotlight: Mastercard

Mastercard Security Solutions -
Protection Across the Ecosystem

Speaker:
Paul Reed
Director of Product, Security Solutions
Mastercard

An overview of Mastercard’s latest advancements in protecting the payments ecosystem for Acquirers - spanning onboarding, transaction fraud, disputes, cybersecurity, and ongoing merchant risk monitoring.

10:30 AM -
11:00 AM

Break

Break

11:00 AM -
11:40 AM

Curiouser and Curiouser!
The Future of 
High-Risk Acquiring

Cihat Fitzgerald
Sr. Director, Ecosystem Security & Integrity 
Ballerine

High risk acquiring can be rewarding when done right, and a significant liability when not done properly.

Gain insight into the different types of risk an acquirer needs to mitigate for in general, and those specific to high risk verticals, such as adult, online gambling, nutraceuticals, and continuity merchants.

Learn more about what controls are recommended for mitigating risk in each vertical. 

From Policy to Practice: Translating Payments Regulation into Risk Decisions

Panelists: 
Scott Talbott
Executive Vice President
Electronic Transaction Association

Deron HicksExecutive Lead Government Relations

Moderator:
Ellen Berge
Partner
Venable LLP

From state-level interchange laws and emerging digital asset frameworks to evolving expectations around fraud prevention, AI governance, and open banking, the payments landscape is being reshaped by a wave of legislative and regulatory activity. The challenge for risk professionals isn’t just understanding these developments. It’s translating them into actionable risk decisions.
 
The panel of representatives from the APP Government Relations Strategic Interest Group will bridge the gap between policy and practice, exploring how federal and state legislation, enforcement trends, and regulatory priorities (including FTC, CFPB, banking regulators, and DOJ) are directly impacting risk frameworks, merchant underwriting, and portfolio management. Panelists will discuss how to identify meaningful signals, anticipate regulatory direction, and adapt risk strategies in a rapidly changing environment.
 
Don’t miss this panel if you need a clearer understanding of how today’s policy debates translate into tomorrow’s risk decisions.

11:45 AM -
12:00 PM

Vendor Spotlight: Gratify

From Days to 10 Minutes: How Harlow Payments Actually Implemented AI in Underwriting

Everyone is talking about AI in underwriting. Harlow Payments went and did it, and cut their merchant decisioning time from days to 10 minutes.

In this session Kate Palmarini shares exactly what AI implementation looks like in an ISO. The decision to automate, how they got their C-suite on board, the icebergs to watch out for, and what the workflow looks like now.

Panelist:
Kate Palmarini
EVP, Risk and Compliance
Harlow Payments 

Moderator:
Ryan Brough
Founder
Gratify

Knowledge Burst:
Collision at Wall Street and Las Vegas Blvd: 

Friction between the CFTC and the Gaming Industry

Panelist: 
Jon Genovese
Regulatory Affairs
Paysafe

Moderator:
Christian Geron
Vice President
Global Client Security | Payment Services

Elavon

While consumer interest and participation increases, the legal status of Prediction Markets is complex. In this Quick Hit session, we will provide examples of Prediction Markets and explore why state gaming authorities and federal regulators are at odds, and what this means for payments businesses.

12:05 PM -
12:50 PM

The Dating Game: How to Select a Bank Partner

Hello ladies and gentlemen, and welcome to The Dating Game! The show where one lucky bachelor or bachelorette gets the chance to meet a dazzling lineup of eligible, accomplished, and highly regulated bank partners ... all waiting behind the curtain.

Will today’s contestant choose the dependable type who plays it safe? The bold risk-taker with a taste for innovation? Or the mysterious charmer who says all the right things but keeps compliance on its toes? Ask the right questions, listen carefully to the answers, and you just might hear the sound of wedding bells… or at least a signed partnership agreement.

This session will take a fun and cheesy approach to a serious topic.

Finding the right bank partner in real life is no game. Behind the laughs, we'll break down how to evaluate potential bank relationships with clarity and confidence.

We’ll explore the essential questions to ask, how to identify aligned values, compatible risk tolerance, and operational expectations, and how to spot red flags before committing.

Attendees will also learn which key performance indicators can help determine long-term compatibility.

Whether you’re entering a new relationship or reassessing an existing one, this session will help you choose a bank partner that’s truly a good match.

Who’s Who: Defining ACH Roles and Compliance Obligations for Originators, Third-Party Senders, and Service Providers

Nicole Meisner
Partner, Chair, Paytech & Payment Systems
Taft Law

ISOs and payment facilitators have mastered their roles under card network frameworks—but ACH is a different framework entirely. While these same providers facilitate ACH settlement payouts and increasingly offer ACH acceptance, many operate without a clear understanding of how Nacha's rules differ from card network obligations. The critical distinction? Whether these providers are operating as an originator, third-party service provider, or third-party sender—and the compliance and regulatory implications under each model.

12:50 PM - 
2:00 PM

Lunch

Lunch is provided as part of your conference pass. 

Vegan, vegetarian, and dairy-free options will be available.

If you would like to request a kosher meal, please email us your request at event@paymentpros.org  

1:30 PM - 
1:55 PM

Underwriters Meet-And-Greet 
Community Room - Balboa

This pop-up gathering of underwriting with an exclusive-not-in-the-lunch-room-special cake that will be served as ordered by the Queen of Hearts.

2:00 PM -
2:40 PM

Merchant of Record: Paddle Case & More. 

Panelists:
Ellen Berge
Partner
Venable 

Ed Marshall 
Partner
Arnall Golden Gregory LLP


Join us for a discussion on the recent FTC enforcement action involving Paddle.com, including its implications for the “Merchant of Record” model.

According to the FTC, Paddle.com opened merchant accounts claiming to be a “merchant of record” or software “reseller,” then used these accounts to process card payments on behalf of numerous, unrelated third-party merchants involved in computer repair scams. The FTC says that Paddle.com also enabled overseas schemes to access the credit card system and collect payments from U.S. consumers, all while evading detection by sponsor banks and card networks.

Our panel of experts will examine the FTC’s allegations and discuss the implications and takeaways of the FTC’s criticisms, including on the "Merchant of Record"  model.

Why the Queen of Hearts still needs a few Heads, AKA: AI Wonderland 

Panelists:
Ken Musante
Business Development
CorisAI

Joe Libby
VP Merchant Services, Credit and Risk
Zift

Risk programs succeed when automation and analysts work together, each doing what they do best.  The Human–Technology Partnership Is the Only Sustainable Model

AI-based monitoring tools are invaluable for identifying risk quickly and at scale. They compress hours of manual review into seconds and drastically improve a program’s ability to meet Visa’s expectations.

But compliance is ultimately interpretive, contextual, and policy-driven.
For that reason:

●      AI identifies the risk

●      Humans determine the meaning of the risk

●      Humans decide the appropriate remediation

AI then helps track, monitor, and validate improvement



2:45 PM -
3:00 PM

Vendor Spotlight: Trust2Connect

From Gut to Go: The First Merchant Risk Score Built on Actual Transaction Data

Bill Phelan
Founder
Trust 2 Connect

The payments industry processes $14T annually while still relying on gut instinct, rate cards, and fragmented bureau data to risk-rate merchants. This foundational data gap costs processors $500–$1,000 per application and drives 35% declination rates.

Trust2Connect's Merchant Risk Rating is the first score built on actual merchant transaction behavior data including reversals, return rates vs. peer group, and revenue velocity, delivering explainable decisions in seconds, not days.

Every 1% improvement in merchant acceptance translates to $1M in recovered payment volume per $100M in your network. Early access is open now for processors, acquirers, and gateways ready to replace guesswork with a score.

Vendor Spotlight: ChargebackHelp

Regain Control of Fraud & Disputes in Today’s Stricter Environment

Rick Lynch
CSO 
ChargebackHelp 
&
Product, Head of Fraud Risk & Disputes
Global Payments
Chargebacks are no longer just an operational headache — they’re a merchant retention problem, compliance concern, and a missed revenue opportunity. As regulations shift in the wake of VAMP and merchants struggle to keep up, ISOs and PayFacs that offer proactive dispute management solutions can not only reduce attrition but also differentiate their services in a crowded market.In this session, ChargebackHelp's Rick Lynch demonstrates how modern acquirers are embedding chargeback solutions into their service stack. Attendees will leave with an actionable roadmap to reduce portfolio risk, increase merchant stickiness, and monetize dispute prevention.

3:05 PM -
3:45 PM

The New Blueprint for Embedded Finance: How Banks and Fintechs Build Trust, Readiness, and Real Controls

Barbara J Negron
SVP, Managing Director, Embedded Finance & Partnerships
Cogent Bank

Embedded finance has entered a new era. More fintechs are seeking bank sponsorship than ever before, but underwriting readiness, governance alignment, and compliance discipline often lag behind the innovation. Risk and compliance teams must evaluate partners who move fast, operate across multiple rails, and expect instant decisioning while banks must protect their portfolios and regulatory standing.

This session gives attendees a clear framework for evaluating embedded finance partners and understanding the new responsibilities that come with sponsorship. Through real examples from sponsor bank work and lessons from the “Fintech to Bank Ready” program, we will explore how banks and fintechs can build mutual confidence, reduce friction, and design operating environments that actually work in practice.

The world of embedded finance often feels like Wonderland. Everyone is running, expectations change quickly, and the path is rarely straight. This session brings clarity to the twists and turns and offers practical tools, not theory.

Novel Ingredients: The Mad Tea Party of Healthcare Products

Panelists:
Gerard Olson
Director of Research & Associate General Counsel
LegitScript

Niamh Lewis
Vice President, Compliance Operations
G2 Risk Solutions

Daniel Stanbridge
Chief Risk and Compliance Officer
Kurv

Kyle Becker
VP, Bank Strategy & Partnerships
Maverick Payments

Merchants and marketplaces are increasingly selling research chemicals, wellness aids, and performance enhancers that contain novel or higher-risk ingredients. For acquirers, PayFacs, and ISOs, facilitating these sales creates significant exposure. This panel provides strategic insights and practical guidance to help underwriting and compliance teams identify emerging threats, while aligning risk decisions with card network rules and enforcement realities.

What you will learn:

  • Identify core risk drivers including consumer safety, regulatory risk (FDA, FTC, and state regulators), financial risk (disputes, chargebacks, and assessments), and reputational risk (consumer complaints and card-brand scrutiny).
  • Plan for 2026 watch items including counterfeit weight-loss drugs, novel cannabinoids, kratom alkaloids, peptide merchants, and ingredients subject to country-specific restrictions.
  • Implement controls including merchant and product screening, enhanced due diligence triggers, and dynamic monitoring to detect new substances.

3:45 PM - 
4:10 PM

Break

Our sponsors help make our event possible and keep attendee prices affordable. Please take a moment to visit and thank them for being part of APP!

4:10 PM -
4:25 PM

Vendor Spotlight: New Voices Spotlight presented by Davis Talent  

What I Wish I Knew in Payments Compliance:
Lessons From the First Five Years


Madison Amador 
Senior Compliance Operations Specialist 
8am

Entering payments compliance can feel overwhelming with rapid regulatory change, constant cross-functional pressure, and little guidance on what truly matters early in your career. In this session, I’ll share practical lessons learned from my first five years in payments compliance within a fintech environment. From navigating regulatory shifts and partnering with product and operations teams, to learning how to prioritize risk without burning out, this talk focuses on what I wish I had known sooner. Attendees will gain insight into common early-career missteps, how to communicate effectively across teams, and how to build confidence while still growing technical expertise. While designed to support newer professionals, this session also offers experienced leaders a fresh perspective on how emerging voices approach compliance challenges today, and how teams can better support talent development. The goal is simple: make the payments compliance journey clearer, more collaborative, and more sustainable for the next generation.

 Vendor Spotlight: Fraud.net

From Signal to Action: How a Unified Risk Platform Sees What Your Rules Can't

Kevin Shine
VP Sales and Partnerships
Fraud.net

Every payment executive manages a portfolio with risks they can see and risks they can't. The visible ones get managed. The invisible ones become losses, costly distractions, and regulatory conversations.

In this session, we'll explore how advances in risk monitoring technology are changing what's possible for risk teams: moving from reactive, siloed monitoring to a continuous, portfolio-wide view that connects merchant screening, merchant monitoring, and transaction monitoring in one place. We'll discuss how behavioral baseline modeling, evaluating each merchant against its own patterns rather than generic industry thresholds, is surfacing early warning signals that traditional approaches miss, across portfolios ranging from thousands to millions of merchants.

We'll also look at what happens after a risk signal surfaces: how investigator workflows, case management, and entity-level detail come together to help analysts act quickly and consistently, without getting buried in noise.

Whether you're building out your risk infrastructure or looking to strengthen what you have, this session will give you a clearer picture of what a modern, connected risk program looks like and what it takes to stop fighting the last fire and start seeing the next one.

4:25 PM -
5:10 PM

Reputational Risk: What the “Fair Banking” Executive Order and the Legacy of Operation Choke Point Mean for the Industry

Panelists:
David Press
Founder and President
Integrity Bankcard

Theresa Kananen
Partner
Arnall Golden Gregory LLP

Shari M. Savlick  
Vice President, Merchant Compliance
Merrick Bank

Moderator:
Marlena Hubley
Founder & Principal Consultant
Rebeta Consultants

This panel explores the implications of the 2025 Executive Order aimed at eliminating "reputation-based debanking," framed in contrast to the legacy of the long since abandoned “Operation Choke Point” a controversial DOJ initiative that pressured banks to exit relationships with lawful but reputationally sensitive industries. The order directs regulators to focus on measurable, individualized risk rather than political, religious, or reputational factors.

Attendees will hear from industry stakeholders legal counsel, acquiring experts, card brand consultants, and merchant banking representatives on how the payments industry is adjusting to these directives and the evolving role of reputational risk. The panel will unpack the legal risk, what’s operationally realistic, and how risk and compliance teams can move forward with clarity.

Regulatory Rigamarole: Supporting Good Policy and Onboarding Decisions When Rules Are Opaque

Panelists:
Dan Frechtling
SVP Product & Strategy
LegitScript

Gina Gioia
SVP, Enterprise Risk Management
Client Enablement Office

North

Felicia Short
VP Compliance - Client EDD Office
North

Bennie Pennington
SVP Embedded Banking
KeyBank

In the next 18 months, regulators will continue to grapple with industries like gambling, cannabis, and telemedicine—all of which remain high-risk, high-growth, and highly confusing for payments. At the same time, a wave of federal leadership turnover and fragmented state policies are creating even more uncertainty.

For payment providers, sponsor banks, and ISOs, this creates a tough reality: you can’t just wait for clarity. You need to keep merchants moving through onboarding pipelines, protect against reputational and regulatory blowback, and still stay competitive. This panel brings together perspectives from risk intelligence, banking, and global payments operations to unpack how to make smarter policy and onboarding decisions when regulatory signals are anything but clear.

The Latest Regulatory Action:
Dan will highlight what recent enforcement actions and regulatory statements mean in practice—especially in industries like gambling, cannabis, and telemedicine. He’ll also share how LegitScript interprets “regulatory gray zones” and translates them into actionable onboarding policies.

Practical Decision-Making in the Gray Areas:
Bennie will bring the banking and embedded payments view: how to balance growth and compliance when merchant opportunities are attractive but regulatory clarity is thin. He’ll share frameworks KeyBank uses to decide when to green-light vs. when to pause, and how to operationalize this across distributed business units.

Global and Emerging Markets Perspective: Felicia will speak to the realities of building risk and compliance programs across multiple jurisdictions—where regulatory uncertainty isn’t the exception, but the norm. Attendees will hear how North navigates conflicting regulatory interpretations and maintains compliance while scaling across the Americas and other fast-growing markets.

Together, the panel will outline steps for shaping internal policies, communicating with regulators, and creating defensible, thoughtful onboarding practices that protect both compliance teams and the business.

5:10 PM -
5:30 PM

End of Day

5:30 PM -
6:30 PM

Volunteer Reception
Community Room, Balboa
Speakers, event staff, and committee members are invited to pop in. It's been a long year making APP amazing, and you deserve a drink.

Thank you for registering for APP's upcoming annual conference, Level Up 26. 

Hotel - Our block closed on 4/3.
As of 4/6 at 12 pm PT, the hotel has sold out of rooms on Tuesday, the 21st. The other nights are available. The next closest hotels are Aria (link) and New York, New York (link). 

Mobile APP

  • Agenda in your hands
  • Scavenger Hunt - win prizes
  • Receive updates and changes in real-time
  • Ask questions during sessions (mobile q's are prioritized)
  • Connect with others

To login, scan the QR Code -->
or visit www.eventmobi.com/levelup26 

Use the e-mail used at registration.
If asked for a code, use levelup26.

Policy Details
Refund - Click Here to see the Refund Policy.
Code of Conduct - Click here to see the Code of Conduct Policy.

Meals
Breakfast snacks and coffee are served every day. Lunch is provided each day.
All meals are included in your conference pass. 
Vegan, vegetarian, and dairy-free options will be available for breakfast and lunch servings.
If you would like to request a kosher meal, please email us your request at event@paymentpros.org 

Suitcasing/Outboarding
Exhibiting without prior approval and contract with APP is strictly prohibited. Those found to be soliciting in or out of the conference area that violate APP or the hotel policies may be escorted off the premises. To see our full policy, visit https://www.paymentpros.org/event-code-of-conduct

If you have any questions, please email us at event@paymentpros.org

Credits Price
Member Pass - Level Up 26
For members only. Login or become a member today.
15.00 (ETA CPP Credit) $975.00
Credits Price
Non Member Pass - Level Up 26
Passes for non-members. Become a member today and save by visiting www.paymentpros.org/membership-information Registration Ended 4/20/26 at 11:00 PM EDT
15.00 (ETA CPP Credit) $1,350.00
Credits Price
Trivia Night - Add-On Pre-Conf Event on Mon Night
Separate Registration is required to attend this pre-event occurring on Monday, April 20th between 4-6 pm.
Attendees must be registered for a paid event to attend Trivia Night.
FREE
Disputes Workshop - NEW in 2026
Pre-Conference Event
We're excited to offer this 3-hr Disputes workshop from noon to 3pm on Monday, April 20th.
You don't need to attend APP's Level up to attend this program.
Full details -> www.paymentpros.org/events/pre-conference-event---disputes-workshop-

3.00 (ETA CPP Credit) $225.00
Underwriting Workshop - NEW in 2026
Pre-Conference Event
A workshop designed to enhance your team's Underwriters to the next level. Roll-up your sleeves and sharpen your pencils because class is in session. 
You don't need to attend APP's Level up to attend this program.
3.00 (ETA CPP Credit) $225.00

Justification for Attending APP's Level Up 2026

 The Best ROI in the Industry

At APP’s annual Level Up conference, we invite you to follow us down the rabbit hole—into a world where curiosity meets clarity, and unexpected connections spark real solutions. To help secure funds for this journey, we have prepared the following for one to use at will.

Long version: 

Subject: Justification for Attending APP Level Up 2026

Hi [Boss’s Name],

I’d like to request approval to attend APP’s Level Up 2026. This two-day conference is one of the most valuable and cost-effective professional development events in the payments industry. Registration is $975 for members, and the hotel rate is $202 per night (including taxes and resort fees), bringing the total estimated cost to approximately $1,581, depending on the length of stay.

Why Attend:
Level Up is a portal to discovery, learning, and collaboration in the evolving payments ecosystem. Designed by and for payment professionals, the event delivers real insights across six key disciplines central to our work: Risk, Compliance, Regulatory, Security/PCI, Disputes/Chargebacks, and Underwriting/KYC.

Key Benefits:

  • Industry-Relevant Learning: More than 20 breakout sessions and immersive discussions provide practical tools and actionable takeaways for navigating today’s complex payments landscape.
  • Networking and Collaboration: The event fosters meaningful connections through community meetups, informal gatherings, and sessions with peers who face similar challenges, creating opportunities to share solutions and best practices.
  • Leadership and Growth: Attendees can participate in volunteer and mentorship opportunities to build leadership skills, enhance visibility in the industry, and contribute to the broader payments community.
  • High Value for Cost: For the quality of content, access to thought leaders, and networking potential, the event represents a strong return on investment.

By attending, I’ll gain new perspectives, tools, and professional relationships that can directly benefit our team and enhance [Your Company]'s expertise in the payments space.

Thank you for your consideration.

_____________________________________________________
More Casual Version:

Subject: Request to Attend APP Level Up 2026

Hi [Boss’s Name],

I’d love to attend APP’s Level Up 2026: “Down the Rabbit Hole of Payments.” It’s a three-day conference packed with learning, networking, and fresh perspectives on everything happening in the payments world.

The event is known for being both high-impact and affordable—registration is $975 for members, and the hotel is $202 per night (including taxes and fees), for a total of about $1,581 depending on the stay.

Level Up brings together professionals from across the industry to share real insights in Risk, Compliance, Regulatory, Security/PCI, Disputes/Chargebacks, and Underwriting/KYC. There are more than 20 breakout sessions, opportunities to connect with peers, and sessions led by experts who understand the challenges we face every day.

It’s a great opportunity to pick up practical tools, new ideas, and connections that can help us continue improving how we serve our clients and grow within the payments space.

Thanks for considering this, I think it would be a valuable investment for both me and [Company Name]

_____________________________________________________
Shorter Version: 

I’d like to request approval to attend APP’s Level Up 2026. This is a two-day, member-driven conference focused on advancing knowledge and collaboration across key areas of the payments ecosystem including Risk, Compliance, Regulatory, Security/PCI, Disputes/Chargebacks, and UW/KYC. The event offers more than 20 breakout sessions, hands-on learning, and valuable networking with industry peers and leaders.

At an estimated total cost of $1,581 (registration $975 plus hotel $202 per night), it is a highly cost-effective professional development opportunity. Attending will provide practical insights, new connections, and actionable strategies directly applicable to [Your Company]'s goals in the payments space.

Thanks!

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