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Wrestling Payments

NEACH

64 episodes

1 week ago

Send us a text. (email us if you need a response) While domestic payments are faster than ever, international transactions remain stuck in the past. In this episode, Monex Chief Economist John Min explains why cross-border payments are often slow, costly, and unpredictable. GUEST-AT-A-GLANCE Name: John Min, Ph.D What they do: Chief Economist Company: Monex Noteworthy: John specializes in global payments, macroeconomic trends, and helps financial institutions navigate the complexities of cros...

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All content for Wrestling Payments is the property of NEACH and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

Send us a text. (email us if you need a response) While domestic payments are faster than ever, international transactions remain stuck in the past. In this episode, Monex Chief Economist John Min explains why cross-border payments are often slow, costly, and unpredictable. GUEST-AT-A-GLANCE Name: John Min, Ph.D What they do: Chief Economist Company: Monex Noteworthy: John specializes in global payments, macroeconomic trends, and helps financial institutions navigate the complexities of cros...

Show more...

Episodes (20/64)

Wrestling Payments

Compliance v Sales: Wrestling with Pay by Bank Growth

Send us a text. (email us if you need a response) EPISODE SUMMARY In this episode of Wrestling Payments, host Joe Casali sits down with Sarah Stapp, Chief Commercial Officer, and Geoff Scott, Head of Compliance, at Aeropay. Together, they dive into the ongoing push and pull between sales and compliance in the world of pay by bank, exploring how teams can move fast without leaving risk behind. Sarah and Geoff discuss the growth of pay by bank in the United States, noting how new technologies a...

3 weeks ago

46 minutes

Wrestling Payments

The Send Side of Instant Payments: How RTP® is Transforming Business

Send us a text. (email us if you need a response) EPISODE SUMMARY In this episode of Wrestling Payments, Jim Colassano, Senior Vice President at The Clearing House, joins host Joe Casali to discuss the transformative impact of the Real-Time Payments (RTP) network. He explains how RTP is revolutionizing how businesses manage payments, particularly on the send side. Jim highlights the shift from traditional batch processing to instant payments, emphasizing the network's ability to handle vari...

1 month ago

37 minutes

Wrestling Payments

Breaking the Silo Surface: Uncovering the People-Powered Currents of FinTech Strategy

Send us a text. (email us if you need a response) Episode Summary Mid-market banks and credit unions are trapped between agile FinTechs and mega banks, held back by internal silos. On Wrestling Payments, host Elyssa Morgan explores how these institutions can break barriers and leverage their unique strengths. Randy San Nicolas (Braid CEO) and Daryn Barney (Role FinTech Partners founder) reveal how to overcome self-imposed limitations. "To break through silos, you must step outside to see the ...

1 month ago

39 minutes

Wrestling Payments

Revenue in the Water: Turning FinTech Strategy into Profit

Send us a text. (email us if you need a response) Episode Summary Financial institutions struggle to identify and monetize revenue opportunities through FinTech partnerships while justifying upfront costs to leadership. Wrestling Payments host Elyssa Morgan speaks with Scott Goldthwaite from FinTech Futures, who breaks down where banks can find immediate revenue streams and build compelling business cases. Scott explains that banks must develop strategies to enhance transaction fee income thr...

1 month ago

32 minutes

Wrestling Payments

Into the Depths: Busting the Myths About FinTech “Tech” Readiness

Send us a text. (email us if you need a response) Episode Summary Many financial institutions feel stuck, believing technology myths hold them back from innovation. In this Wrestling Payments episode, host Elyssa Morgan talks with Brian Anderson, VP of Banking Transformation at Finzly, about busting these myths and competing in today's payments ecosystem without waiting for core systems to catch up. Brian explains how institutions can shift from core-reliant to core-complimentary thinking, tr...

1 month ago

32 minutes

Wrestling Payments

FinTech Waves Ahead: Navigating Growth with Risk in Mind

Send us a text. (email us if you need a response) Episode Summary Financial institutions face a critical challenge: modernizing payment operations through FinTech partnerships without compromising compliance. On Wrestling Payments, host Elyssa Morgan explores practical strategies for balancing innovation with regulatory requirements. Mark Forbis (former Jack Henry CTO) and Stephen Coburn (Avalo Labs CEO) reveal what works when banks and FinTechs collaborate. Mark explains why most institution...

1 month ago

31 minutes

Wrestling Payments

FinTech in Open Water – Seize the Opportunity While Maintaining Control

Send us a text. (email us if you need a response) EPISODE SUMMARY In this episode of Wrestling Payments, host Host Elyssa Morgan talks with Dr. Angela Murphy from Pidgin about the shift from competition to collaboration between financial institutions and fintechs. They explore why partnership is a critical strategy for shaping the future of financial services and meeting rapidly evolving customer expectations. Angela addresses the common fear among institutions of losing control. She argues...

1 month ago

30 minutes

Wrestling Payments

Introducing Mascoma Technologies - From Legacy Cores to Agile Banking Platforms

Send us a text. (email us if you need a response) Episode Summary In this episode of Wrestling Payments, Joe Casali from NEACH sits down with Raphael Reznek and Ingrid Hebert from Mascoma Bank and Mascoma Technologies to explore an incredible success story: how a community bank built its own fintech platform from scratch. After years of vendor disappointments and legacy system limitations, Mascoma took the bold step of building in-house—and the results are remarkable. Raphael shares how their...

2 months ago

45 minutes

Wrestling Payments

Behind the Network: Treasury Software's Role in Payment Processing

Send us a text. (email us if you need a response) EPISODE SUMMARY In this episode of Wrestling Payments, host Joe Casali from NEACH speaks with Glenn Fromer of Treasury Software about solving the critical "last mile" disconnect between small businesses and the ACH network. Glenn shares how his journey from accountant at fast food chains to payment software developer revealed significant inefficiencies in payment operations. His company evolved from addressing bank reconciliation issues to c...

3 months ago

28 minutes

Wrestling Payments

Nacha Smackdown Series - Part 3 Technical Foul Throwdown

Send us a text. (email us if you need a response) QUESTIONS ALWAYS WELCOME. jcasali@neach.org EPISODE SUMMARY In this third installment of the NACHA "Smackdown" Rules Violations in the Ring series, Wrestling Payments host Joseph Casali dives into NACHA's enforcement process, examining real rules violation cases and their consequences. The episode unpacks three enforcement cases involving micro-entries to invalid accounts, entries to invalid accounts, and failure to perform annual ACH complia...

3 months ago

26 minutes

Wrestling Payments

Nacha Smackdown Series - Part 2 Unauthorized Cage Match

Send us a text. (email us if you need a response) EPISODE SUMMARY: QUESTIONS ALWAYS WELCOME. jcasali@neach.org In this episode of Wrestling Payments, host Joseph Casali continues his three-part NACHA SmackDown series, taking listeners inside the high-stakes world of ACH rules violations. Through compelling real-world cases, Joseph reveals the consequences when financial institutions fail to follow proper authorization procedures. The episode examines Steward Bank's repeated failures to provid...

3 months ago

21 minutes

Wrestling Payments

Nacha Smackdown Series - Part 1 The Reversal Rumble

Send us a text. (email us if you need a response) Episode SummaryIn this episode of Wrestling Payments, Joseph Casali launches a three-part "SmackDown Rules Violations in the Ring" series, examining ACH rule violations through wrestling metaphors. He analyzes two critical NACHA case studies that payment professionals should understand to avoid costly compliance mistakes. The first case involves Glenn Transportation's unauthorized $50,000 reversal attempt against KJN Storage, earning them a wa...

4 months ago

19 minutes

Wrestling Payments

Building Your Payment Story: Are You the Hero or the Guide?

Send us a text EPISODE SUMMARY In this episode of Wrestling Payments, host Joseph Casali draws surprising parallels between professional wrestling and the evolution of payment systems. After watching WrestleMania 41, he experienced an "aha moment" recognizing that successful payment transformations follow the same narrative structure as compelling wrestling storylines. The episode explores Donald Miller's StoryBrand framework, breaking down how every story, including payment innovations like ...

4 months ago

19 minutes

Wrestling Payments

Guardrails For The Fintech FastLane

Send us a text EPISODE SUMMARY In this episode of Wrestling Payments, host Joe Casali sits down with Travis Dulaney, CEO and Co-founder of BalancedTrust, to unpack the ongoing friction between fintech startups and their bank partners. From missing compliance standards to misunderstandings around regulatory risk, Travis explains why so many good ideas hit a wall. Travis shares lessons from his time launching and selling PayFi, where inconsistent feedback from sponsor banks highlighted a signif...

4 months ago

39 minutes

Wrestling Payments

Beyond Credit: Sean Carter on Reframing Exposure Limits in Payments

Send us a text EPISODE SUMMARY This episode of Wrestling Payments tackles the critical topic of exposure limits in modern payments. Host Joe Casali and guest Sean Carter, President & CEO of Neach Payments Group, dissect an article by Jordan Bennett of Nacha, which focuses on payment modernization and digital transformation. Sean highlights a common misconception: viewing exposure limits solely through the lens of credit risk. He argues for a broader perspective, emphasizing operational ri...

4 months ago

28 minutes

Wrestling Payments

Fraud Trends from an FI to Law Enforcement (The Lost Tapes)

Send us a text EPISODE SUMMARY It happens to the best of us. This session was recorded last year, but got lost in the shuffle. It may be a crime as the interview was with law enforcement and a member financial institution (at the time) on the topic of fraud... the show notes below. In this episode of Wrestling Payments, host Joe Casali engages in an insightful discussion with Matthew Hogan, CAMS, a detective with the Connecticut State Police and a Task Force Officer with the USSS Financial Cr...

5 months ago

21 minutes

Wrestling Payments

Pay-By-Bank, Not What You Think It Is!

Send us a text EPISODE SUMMARY Sarah Stapp, Chief Commercial Officer at Aeropay, joins Joseph Casali to discuss the evolving payments landscape, focusing on Pay by Bank. Sarah shares her unique journey into fintech, from Craigslist job ads to leading global expansion at Braintree, and dives into ACH rails and real-time payments. Why Pay by Bank Matters: It offers fast, secure payment options directly from bank accounts, bypassing card networks. Sarah highlights how RTP and FedNow ...

5 months ago

36 minutes

Wrestling Payments

Send us a text Episode Summary In this episode of Wrestling Payments, host Joseph Casali breaks down three timely developments in the payments world. First, he tackles the slow adoption of faster payments among smaller financial institutions. Despite strong growth in RTP and FedNow, integration costs and a lack of clear pricing models continue to hold many back. Next, Joe explores Square’s move to offer consumer loans through Cash App. With FDIC approval in hand, Square—under its parent compa...

5 months ago

23 minutes

Wrestling Payments

Compliance Cage Match: Electronic Payments v Project 2025

Send us a text In this episode of Wrestling Payments, host Joseph Casali unpacks Project 2025 and its potential impact on banking regulations, community banks, and credit unions. The discussion focuses on regulatory shifts, compliance adjustments, and how financial institutions should prepare for possible changes in payment systems, digital assets, and risk management. While details remain uncertain, the conversation highlights key areas that could see significant updates, including FFIEC gui...

6 months ago

19 minutes

Wrestling Payments

Exploring Positive Pay

Send us a text Check fraud is skyrocketing, and financial institutions are scrambling to keep up. In this episode of Wrestling Payments, host Joseph Casali sits down with Sean Carter, President & CEO of NPG, to unpack why fraudsters are winning—and how banks and businesses can fight back. Carter explains the alarming rise in fraudulent checks, the organized crime networks behind them, and why simply “not writing checks” isn’t a realistic solution for many businesses. The conversation dive...

6 months ago

36 minutes