Rich Oliver, EVP & Retail Product Manager, Federal Reserve Bank

Rich Oliver is an Executive Vice President with the Federal Reserve Bank of Atlanta and has been with the Bank since 1973. Since 1998, he has served as Retail Payments Product Manager for the Federal Reserve System. In this capacity, he has responsibility for managing the Fed’s check and ACH businesses nationwide.  

Earlier in his career, Mr. Oliver served as planning analyst, Administrator of the Automated Clearing House, Chairman of the Federal Reserve's Electronic Payments Implementation Task Force, Manager and Officer in Charge of Software Development, Vice President in charge of Automation Services, the Federal Reserve System’s Product Manager for Electronic Payments Services, officer in charge of business development and check software, and Staff Director for the Federal Reserve System’s Policy Committee for Financial Services, where he was responsible for coordinating integrated financial management, project management, and strategic planning for all the Federal Reserve’s payments services nationwide. He also serves on the Federal Reserve Bank of Atlanta's Management Committee.

Mr. Oliver holds a B.S. in Mathematics from the University of Nevada, an M.S. in Information and Computer Science from Georgia Tech, and an M.B.A. in Management from Georgia State University.

Jan Estep, President & CEO, NACHA

Jan Estep serves as president and chief executive officer of NACHA—The Electronic Payments Association. NACHA is a not-for-profit trade association that oversees the Automated Clearing House (ACH) Network, one of the largest electronic payments networks in the world. Led by member depository financial institutions and payments associations, NACHA is responsible for the administration, development, and enforcement of the NACHA Operating Rules and sound risk management practices for the ACH Network. Estep oversees NACHA’s daily operations and works to promote the development of ACH electronic payment solutions that improve the payments system for the benefit of its members and their customers. 

Estep formerly served as executive vice president of U.S. Bank’s Transaction Services division and was accountable for the general management of the division, which included Elan ATM & Debit Services, ATM Banking Product and Operational Support, ATM & Kiosk Services, and EFT Network support. She led the Elan ATM & Debit business unit that provides ATM and debit card processing and related services to over 2,000 clients including other financial institutions, independent sales organizations, and commercial, government and retail businesses.

She joined U.S. Bank in 1997 with responsibility for their Merchant Payment Services division, previously holding a variety of management positions in technology-intensive companies. Prior to U.S. Bank, Estep was general manager of the Twin Cities Laboratory and vice president of sales and marketing for Pace Analytical Services; she also spent 15 years at IBM in a variety of field and corporate positions.

Michael Reagan, Managing Director, Global Payment Solutions, Fiserv

As Managing Director of Global Payment, Michael Reagan develops the strategy for the payments division at Fiserv. Well known for his ability to identify trends in payments, Reagan is considered an expert on the convergence of payment types and channels. He regularly works with financial institutions to help them define their payments strategy and launch new products to their corporate clients.

Reagan joined Fiserv in 2000 as a senior consultant, providing insight into the payments industry. With more than 30 years of experience in payments, Reagan has worked with many of the leading banks in the United States and Canada to transform their legacy, paper-based payment products and processes into state-of-the-art, image-based payment solutions. This work has included implementing payment alternatives that drive operational and product changes within banks, as well as working directly with bank customers.

Before joining Fiserv, Reagan served as a marketing manager and consultant for Burroughs/Unisys’ check processing business. Prior to that, he worked for StorageTrek where he provided marketing support for check processing and developed a check imaging strategy.

Reagan is a frequent speaker at industry forums, including the Association for Financial Professionals, the Treasury Management Association, NACHA, TAWPI and BAI. He is also a published author of topical articles in payments industry trade publications. Reagan graduated from Dartmouth College in 1976 with a bachelor’s degree in English.

Gregory Miller, Chief Economist, SunTrust

Gregory Miller is Senior Vice President and Chief Economist with SunTrust Banks, Inc. He completed his graduate and undergraduate Economics degrees at Florida State University and has been a practicing economist, forecaster, and teacher for over 30 years.

As SunTrust’s Chief Economist, Mr. Miller forecasts the national economy, particularly its affect on interest rates. He advises corporate and bank boards of directors as well as SunTrust clients. He is a policy advisor for Wealth and Investment Management and Corporate Investment Banking groups.

Mr. Miller represents SunTrust in business media, including CNBC News, Bloomberg News, Reuters, USA Today, the Wall Street Journal, the Financial Times, TheStreet.com and various local news media platforms. Prior to joining SunTrust, Mr. Miller was on the faculty of the College of Business Administration at the University of South Florida in Tampa. Before joining USF, Mr. Miller served two Florida Governors in the Florida State Economist's Office in Tallahassee.

In addition to his regular SunTrust duties, Mr. Miller is active in the National Association for Business Economics and the Financial Roundtable. Mr. Miller is also a member and past-chair of the Economic Advisory Committee of the American Bankers Association—a national group of economists who meet with the Federal Reserve Board of Governors to discuss the economy and monetary policy.

Gail Angel, Division President, Commercial Treasury Solutions, FIS

Gail Angel is president of the new FIS (formerly Metavante and Fidelity National Information Services) Commercial Treasury Solutions business unit within the company’s Channel Solutions division. In this role, Angel oversees the overall direction and strategy of the company’s commercial treasury business, including cash management, cash concentration, sweep processing, corporate account analysis, payables and receivables management, data interchange and card programs. 

Angel formerly served as Metavante’s Commercial Treasury strategy and market manager, responsible for the creation and ongoing management of support functions related to the sales, growth and distribution of Metavante’s commercial services suite and the initial marketing strategy and launch of the Commercial Treasury Solutions business unit. She had previously managed the eBanking Top 100 relationship management team responsible for driving client satisfaction, revenue growth, customer retention and cross-selling opportunities.

Angel has over 25 years of treasury management experience. She joined Metavante in 1999 through its acquisition of the electronic banking services division of Automatic Data Processing (ADP). While at ADP, she held both technical and managerial positions and was responsible for regional and divisional sales, application development, customer satisfaction and client relationships.

Angel holds a master’s and bachelor’s degree in mathematics from Purdue University.

Kenneth Richey, Enterprise Deposit Officer & Dir. Corporate Cash Mgmt, Synovus Financial Corporation

Mr. Richey began his banking career with Citizens and Southern National Bank of South Carolina. During his tenure, he worked in operations, technology, corporate sales and cash management. He also served as interim CEO of a failed national bank for the OCC. For C&S/Sovran, he served on the bank’s operation steering committee. With the C&S Sovran – NCNB merger in 1992, which created NationsBank, he served in both geographical and functional roles and led the team that designed and implemented NationsBank’s nationwide, same day credit, deposit and float capture system.

Later he formed the Transition Planning and Execution Team that planned and implemented nationwide operations projects and bank mergers that included Bank South and Boatmen’s Bank. He joined The National Bank of South Carolina (NBSC) in late 1996 as head of the operations and technology division. Under his guidance, the latest technological systems and innovative products and services were implemented. In 2004, he was given the additional responsibility for implementing a system-wide Corporate Cash Management program for the 40 affiliate banks of Synovus Financial Corporation. As Director of Corporate Cash Management Services, he is responsible for leading the marketing and sales initiatives with innovative products and systems. He now has the additional responsibility of being the Enterprise Deposit Officer while continuing to serve as an executive officer for NBSC. He has added a number of new unique products and services to build core deposits and non-interest income for Synovus.