Michele Barlow, AAP, NCP
Michele is the Vice President at PAR/WACHA, The Premier Payments Resource headquartered in Wisconsin. At WACHA she manages the education department, which is responsible for development and execution of association training and certification programs, conference and event planning, and member service. She is a past member of Nacha’s Blue Ribbon Panel, a member of The Payments Institute’s Board of Regents, the APRP Oversight Panel, is active on other national committees and a frequent speaker at industry events.
Prior to joining the WACHA team in 2009, she was a corporate trainer for a financial institution. She obtained her AAP and NCP certifications in 2010 and 2011 respectively. She holds a Bachelor of Arts degree from the University of Wisconsin.
Jerry Brodnax, Jr., CCM
Jerry is based in New Orleans and is responsible for a sales team that supports the Treasury Management needs of large corporate, middle market and small business clients across Hancock Whitney’s six state footprint. Jerry has 29 years of banking experience, with 25 of those years specializing in Treasury Management, working with a wide range of clients across the Gulf Coast. Jerry is a member of the National Association for Financial Professionals, the New Orleans Association for Financial Professionals, and has been active with the Louisiana Government Finance Officers Association and the LA CPA Society where he has been a frequent speaker on the topic of payments fraud. Jerry has maintained the professional certification of Certified Cash Manager since 1995.
Nell Campbell-Drake, AAP
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).
Ana R. Cavazos is Assistant General Counsel & Counsel to the Retail Payments Office with the Federal Reserve Bank of Atlanta. Ana joined the Atlanta Fed in 2008, working first in Supervision and Regulation on the Wealth Management Team where she was responsible for analyzing complex wealth management activities including: Transfer Agent, Municipal Securities/Government Securities, and Asset Management of Federal Reserve System member institutions while monitoring fiduciary litigation trends. Ana then joined the Retail Payments Risk Forum where her focus was preparing specialized analysis, including the publishing of working papers and short articles on all aspects of emerging payments risk, including regulatory compliance, security, privacy and banking supervision and operations.
In her current role, Ana leads the Federal Reserve legal team that supports the U.S. retail payment services, and FedGlobal, a Cross-Border Payments service. Ana has principal responsibility for the Federal Reserve's check and ACH Operating Circulars, and FedGlobal's Gateway Operator Agreements and partnerships, focusing on expanding FedGlobal's geographic reach and service offerings. Ana is a member of the RPO's Senior Leadership Team, speaks frequently to banking industry leaders and banking associations about salient payments law matters, most recently, explaining the Board of Governor's latest amendments to Regulation CC and J, and how those amendments now conform to the Federal Reserve Bank Operating Circular 3.
Prior to joining the Atlanta Fed, Ana served as a term law clerk to the Honorable Arthur N. Votolato at the United States Bankruptcy Court for the District of Rhode Island. Ana received her bachelor's degree with honors from Saint Mary-of-the-Woods College, Indiana. She received her law degree from New England School of Law, Boston and her LL.M. in Banking and Financial Law from Boston University School of Law with a concentration in Compliance Management. Ana is a member in good standing of the Bar of the Commonwealth of Massachusetts and the State Bar of Georgia.
Paul Clement is a New Orleans native who has been working in the banking industry for 17+ years, including time with Hibernia National Bank/Capital One and with Whitney National Bank/Hancock Whitney for the past 12 years.
Paul was a key player in Hibernia Bank’s recovery following the devastation of Hurricane Katrina, helping to relocate more than 1400 employees and a data center as a part of that recovery. He’s been involved in risk management for the majority of his banking career including, Business Continuity and Disaster recovery, Physical Security and Investigations, and most recently, Information Security. He’s helped develop these programs as the banks he’s worked for grew in size and complexity.
Paul is now Senior Vice President and Director of Enterprise Security for Hancock Whitney with responsibility for the teams managing Business Continuity, Disaster Recovery, Physical Security/Protective Services, and IT Governance, Risk and Compliance.
Peter leads product innovation at The Clearing House, a bank consortium of the top US financial institutions, where he is responsible for working with financial institutions and partners to foster new and innovative concepts that propel the payment and banking industry forward. He has a deep understanding of the payments and banking industry as well as new and emerging technologies at large.
Wanda Downs, AAP, APRP, NCP
Wanda is the Vice-President of Payments Solutions for Vsoft where she is responsible for the development and delivery of product user manuals and electronic payments education, including in-person classes, web conferences and webcasts. Wanda has a passion for learning and an enthusiastic willingness to share her knowledge. Wanda has more than 30 years' experience in the financial industry, including customer/member service, lending, operations, accounting, and management. Wanda understands the challenges and opportunities facing stakeholders in the payments industry.
Wanda holds a BS in Accounting and Finance from Limestone College and is a graduate of the 1999 CUNA's SRCUS (pronounced circus) of Management. Wanda earned her AAP in 2009. In 2018, she earned Nacha's Accredited Payments Risk Professional (APRP) certification and ECCHO's National Check Professional (NCP) Certification. Wanda is also a certified NCP Trainer.
Ivy is the First Vice President and Assistant General Counsel of Truist Bank, supporting treasury management services and payment operations.
Michael Herd leads Nacha’s ACH Network Administration department, which is responsible for activities that support Nacha’s role as administrator of the U.S. ACH Network, including rulemaking, risk management, compliance, and advocacy. Mike manages the Nacha rulemaking process and its Rules and Operations Committee. Most recently, Nacha’s strategic priority has been the implementation and adoption of Same Day ACH capabilities.
Scott serves as the partner-in-charge of the Jackson, MS office of Adams and Reese LLP. He began his practice as a litigator and has over a decade of experience advising financial institutions on risk-minimization and best practices for avoiding litigation. He regularly speaks at payment-related conferences and works with financial institutions throughout the United States on payment systems, payments fraud, and bank operations, including treasury management services, wire transfers, ACH transactions, Internet banking, mobile banking, and emerging payment systems.
Diana Kern, AAP
If you’re new to the dynamic world of EFT services, Diana can help you navigate this ever-changing industry. She provides a detail-oriented focus that helps explain individual concepts and specifics. Her overall experience and designation as an Accredited ACH Professional helps her expertly comprehend a financial institution’s inner workings, apply her vast knowledge of the payments industry, and train payment participants on products and services, including ATMs, ATM cards, national-branded cards and ACH services.
David, based in New Orleans oversees a team of Treasury Management Associates for Home Bank, N.A across South Louisiana and Western Mississippi. These associates are responsible for the delivery and servicing the Treasury Management needs of the bank’s commercial real-estate, commercial and industrial, and business banking clients.
David has over 35 years in the financial services industry mainly in the Treasury Management Field. Prior to joining Home Bank, N.A David was a Regional Executive for Regions Bank, responsible for a team of 25 Treasury Management Associates for the South Region which includes Alabama, Mississippi, South Louisiana, and the Florida Panhandle. Prior to joining Regions, David managed Capital One’s Louisiana Treasury Management Sales team, which supported Capital One’s large corporate, middle-market, government banking, gaming, energy maritime and US Corporate, and business banking line of business.
David attended the University of New Orleans and is a long-time member of the National Association of Finance Professionals (AFP), the New Orleans Association of Financial Professionals and is a Certified Treasury Professional (CTP).
Reed Luhtanen, begins his tenure as current Faster Payments Council (FPC) Executive Director on April 13, 2020. Reed is moving from the role of current FPC Board Secretary / Treasurer and recently served as Senior Director of Global Treasury for Walmart Board Secretary / Treasurer. Reed was part of the Fed’s Faster Payments Task Force and Governance Framework Formation Team and the Corporate Advisory Board for The Clearing House’s RTP® Network, among other payments-focused roles and positions.
Reed will share his knowledge, experience, and expertise with Southern Financial Exchange as he develops his plans to provide guidance and leadership to drive the FPC.
Danita Moss, AAP
Danita Moss is currently serving as Senior Vice President of Member Services for Southern Financial Exchange, a Payments Association, headquartered in New Orleans, LA. She has been with Southern Financial Exchange for 16 1/2 years. Her responsibilities include conducting Electronic Payments Training sessions, ACH Audits and Risk Assessments, Remote Deposit Capture Audits and Risk Assessments, Wire Audits and providing support and consulting services for member clients within Southern Financial Exchange’s five state territory, Louisiana, Mississippi, Alabama, Arkansas, and Tennessee.
Danita lives in Bethel Springs, TN. She is married to Aaron Moss, who pastors Piney Grove Church of God. Danita serves as pianist, Sunday School teacher and Financial Secretary for the church.
Danita and Aaron have 2 children and 2 Granddaughters.
Danita came to Southern Financial Exchange with 25 years banking experience in community banking. Danita has earned the AAP (Accredited ACH Professional) Certification from Nacha and training certification for the National Check Certification Program. Danita is an active member of the Center for Payments Communication workgroup. Danita also serves on the Board of Directors for the Mid-South Association of Financial Professionals, Memphis, TN.
Karen Nearing, AAP, APRP, CAMS, CRM, NCP
Karen (Sylvester) Nearing is the Director, Regulatory Compliance Education for EPCOR. She joined EPCOR in 2007, fulfilling various positions, including facilitating educational seminars and offering consulting services on payment systems rules. Her primary focus is helping financial institutions navigate the complex world of regulatory compliance.
Karen stays current on existing and proposed initiatives and laws to support EPCOR member organizations and to provide the highest-quality education. She also assists financial institutions with identifying deficiencies and recommends sound controls based on regulatory guidance.
Karen began her career in 1994 as a teller and worked her way up to Assistant Vice President at a Kansas City financial institution. Her vast responsibilities included Bank Secrecy Act and Regulation E compliance, Internet Banking, Wire Transfer and Automated Clearing House (ACH).
Karen received her Accredited ACH Professional (AAP) designation in 2005, the National Check Payment (NCP) designation in 2012, the Certified Regulatory Compliance Manager (CRCM) in 2015, Certified Anti-Money Laundering Specialist (CAMS) in 2018 and the Accredited Payments Risk Professional (APRP) in 2019. She earned a Bachelor of Science degree in Management in 2002 from Baker University.
Karen is a member of Toastmasters International.
Richard Oliver, payments system and strategic planning 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 a mobile payments industry effort to explore the evolution of mobile payments in the United States. Over the past six years he has delivered many industry speeches, taught at industry schools, and facilitated nearly a dozen strategic planning initiatives for payments organizations, banks, and universities. In 2010, he received the prestigious George Mitchell Payments System Excellence Award from the National Automated Clearinghouse Association.
David Payne, AAP, NCP, CIA, CFSA
David Payne is the Compliance Manager for ACH Alert where he is responsible for conducting risk assessments, monitoring internal controls, and coordinating with the external auditors on their Service Organization Control assessment.
David has over a decade of payment system audit and risk management experience and is passionate about helping people and organizations understand their risks, determine what they need to reduce their risk, and how to implement their controls. He’s assisted multiple Payments Associations in developing risk assessments and audit work papers.
David 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.
When he’s not helping people manage risks, David can be found spending time with his wife hiking any of the thousands of trails around Chattanooga or kayaking on the Tennessee River.
Pamela Rodriguez, AAP, CIA, CISA
Pam was formerly the President and CEO of ePayAdvisors, a wholly-owned subsidiary of ePayResources. Pam led all of ePayResources’ risk management, compliance, and consulting activities.
Prior to the mergers of EastPay and SWACHA, and their subsidiary companies EastPay Advisory Services and SWACHA Services Corporation, Pam was President and CEO of EastPay Advisory Services and COO of EastPay. Prior to joining EastPay, Pam was the Executive Director of the Alabama Automated Clearing House Association (ALACHA), where she was responsible for the overall strategic direction of the organization. She has also worked at Compass Bank, where she promoted Treasury Management products and services. Her broad banking experience includes working as ATM Network Manager, Electronic Banking Operations Manager, and Information Systems Auditor at Citizens Banking Corporation in Michigan. Pam is a frequent speaker at national payments industry conferences.
Pam holds a BBA in Accounting from the University of Michigan. She has been certified by NACHA as an Accredited ACH Professional (AAP), and by the Institute of Internal Auditors as a Certified Internal Auditor (CIA) and a Certified Information Systems Auditor (CISA).
National, Local and State Industry Participation:
Alex Romeo is a Vice President and Product Manager for The Clearing House’s Electronic Payments Network, the nation’s largest private-sector ACH operator and regional ACH association, serving nearly 1400 financial institutions. In this capacity, Mr. Romeo is responsible for implementing initiatives to drive growth for EPN customers and developing complementary new product and service offerings. Mr. Romeo also works closely with industry groups, senior bank management, regulators and other influencers to enhance the safety, soundness and capabilities of the ACH network.
Prior to joining The Clearing House, Mr. Romeo spent 28 years at Citigroup where he held various management roles in corporate cash management/treasury services and branch operations. Among other notable achievements at Citigroup, Mr. Romeo expanded the ACH product putting Citigroup in the top 10 ODFI’s & RDFI’s rankings. He also successfully implemented a web-based ACH solution for corporate customer tax payments and spearheaded numerous risk management, technology and sales programs.
Mr. Romeo currently serves in an ACH Operator advisory capacity on the NACHA Board of Directors and is a frequent speaker at payments conferences. He also served on the IPFA Board of Directors from 2010 - 2012. He holds a BBA in Finance from Iona College.
Dr. Scott is the President of Loren C. Scott & Associates, Inc., a 38-year old economic consulting firm whose clients include such large national firms as BP, Capital One Financial, Entergy, ExxonMobil, J.P. Morgan Chase, Nucor, Sasol, Chesapeake Energy, and a diversity of others. He is one of the 52-member National Business Economic Issues Council, which meets quarterly to discuss issues of state, national, and international interest. This group has experts who cover international trade, Washington economic policy, retail trade, trucking, steel, chemicals, etc. Dr. Scott is an energy specialist on the NBEIC. He has been interviewed on CNBC, MSNBC, and Bloomberg TV, in addition to several local TV stations, and his work has been cited in such publications as the Wall Street Journal, the Los Angles Times, the New York Times, USA Today, and the Financial Times, to name a few. His career started at Louisiana State University in 1969 where he spent the next 33 years, rising through the ranks from assistant professor to the prestigious Freeport McMoran Endowed Chair of Economics and the Director of the Division of Economic Development and Forecasting. Over the thirteen-year period from 1983-96, he was the chairman of the Economics Department at LSU. During that time, the Department’s ranking among the 3,000 economics departments in the U.S. rose from 101st to 38th. He is presently Professor Emeritus at LSU. He received 7 awards at LSU for outstanding classroom teaching. He gives 50-70 speeches a year on the state of the economy.
Shelly Sipple, AAP, APRP, NCP
Shelly Sipple joined EPCOR in 2005 following an 11-year career with the Federal Reserve Bank of Kansas City. As EPCOR’s Senior Director of Certifications & Continuing Education, she designs and conducts education programs in support of ACH to over 2,000 financial institutions and corporate members. Shelly presents at regional and national industry conferences as an ACH payments expert. She received her Accredited ACH Professional designation in October 2006, her Accredited Payments Risk Professional (APRP) in March 2018, and the National Check Professional (NCP) certification in May 2019. She is an active member of Nacha’s APRP Oversight Panel and holds a Bachelor’s in Business Education.
Debbie Smart, CTP, NCP
As a senior product marketer at Q2, Debbie Smart serves as the voice of the modern business 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 entire business product suite.
Previously, Debbie served in a program management role at Q2, where she provided consulting services for financial institutions to facilitate the successful implementation, conversion and utilization of their online business banking products and services. 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, including more than 14 years at ACI Worldwide and Global Payment Systems. She also spent many years at First Security Bank (now Wells Fargo), where her responsibilities included running the cash management department for the state of Idaho and managing operations for electronic payments and item processing.
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 U.S. Faster Payments Council. 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.