Rich Oliver, Retired EVP, Federal Reserve Bank

Rich Oliver, now retired, was formerly the Executive Vice President and director of the Retail Payments Risk Forum at the Federal Reserve Bank of Atlanta and was with the Bank since 1973. In this role, he worked in collaboration with industry participants, regulators and law enforcement to identify, understand and mitigate emerging risks in retail electronic payments systems. He was also responsible for establishing and maintaining relationships with industry executives and organizations involved in the retail payments arena specifically with regard to retail payments risk issues. From 1998 to 2009, he served as retail payments product manager for the Federal Reserve System, where he was responsible for managing the Fed's check and ACH businesses nationwide.

Earlier in his career, Rich 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.

Rich 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. He has also completed executive development programs at Harvard University and the University of Tennessee.

Cheryl Venable, SVP, Retail Payments Office, Federal Reserve Bank

Cheryl Venable is a Senior Vice President at the Federal Reserve Bank of Atlanta. She also serves as the Retail Payments Product Manager for the National Retail Payments Office headquartered at the Atlanta Bank. In this role, she oversees all aspects of the check and ACH business lines.

Jan Estep, President, CEO, NACHA - The Electronic Payments Association

Jan Estep serves as president and chief executive officer of NACHA – The Electronic Payments Association, a not-for-profit trade association that oversees the Automated Clearing House (ACH) Network, one of the largest electronic payments networks in the world. In this role, Estep oversees NACHA's daily operations and rule-making processes, and works to promote the development, promotion, and use of electronic payment solutions to improve the payments system for the benefit of its members and their customers. Her responsibilities include ensuring that the ACH Network remains a safe, high-quality payments system with prudent risk management practices that allows financial institutions and other stakeholders to take advantage of the opportunities afforded by today's ACH Network while protecting their financial interests and reputation.

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 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 joining 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.