Faster Payments Task Force

From 2015 through 2017, the Federal Reserve’s Faster Payments Task Force engaged a diverse array of stakeholders to advance the work outlined in the January 2015 Strategies for Improving the U.S. Payment System (PDF). The mission of the Faster Payments Task Force was to identify and assess alternative approaches for implementing safe, ubiquitous, faster payments capabilities in the United States. The task force anchored their work around three objectives; and, in two years’ time, made significant progress in meeting them.


  • Represent views on future needs for a safe, ubiquitous faster payments solution.
  • Address other issues deemed important to the successful development of effective approaches.
  • Assess alternative approach(es) for faster payment capabilities.

The Progress to Faster Payments

The task force set to work almost immediately with the development of the Faster Payments Effectiveness Criteria in 2015. Foundational not only to the task force work efforts, but faster payments innovation within the industry, the Effectiveness Criteria is a framework used to evaluate faster payments solutions.

The first instance of using the criteria came early in 2016, when the task force solicited proposals for end-to-end faster payments solutions that could address the need for fast, safe ubiquitous payments. After a qualified independent assessment team and task force participants reviewed the proposals against the Effectiveness Criteria, 16 solution proposers decided to release their proposals to the general public. In parallel, the Faster Payments Capability Showcase provided an open opportunity for firms and individuals to demonstrate components or innovative approaches to faster payments.

The task force concluded its efforts in a two-part final report – The U.S. Path to Faster Payments (Off-site). Part one, published in January 2017, described the task force’s approach and articulated its views on the value of faster payments for addressing stakeholder needs. Part two, released in late July 2017, outlined 10 recommendations for implementing faster payments and published the 16 solution proposals that, collectively, represent a broad universe of creative and innovative ways to deliver faster payments.

The Faster Payments Task Force envisioned a system where solutions both compete and interoperate to provide payment services that are faster, ubiquitous, broadly inclusive, safe, highly secure and efficient. With the publication of The U.S. Path to Faster Payments, they issued their final calls to action to all payments stakeholders:

  • Embrace and promote the vision and the Effectiveness Criteria;
  • Actively participate in the ongoing dialogue;
  • Contribute to work group efforts and deliverables; and
  • Take steps to make your own organization faster payments ready by 2020

Faster Payments Task Force Participants

The progress to faster payments could not have been possible without the diverse, 320-plus payment stakeholders who dedicated their expertise, time, and energy to the Faster Payments Task Force. Thank you to all who served on the task force and helped identify and assess approaches for implementing safe, ubiquitous, faster payments capabilities in the United States!

The task force participant roster includes a comprehensive list of all who participated over the life of the task force. Please note, each organization was allowed only one representative at a time; multiple entries next to an organization represent changes throughout the lifespan of the task force. Elected Steering Committee members are identified by an asterisk (*) and bold text. You may also download or print (PDF) the member roster.

A.N. Deringer, Inc.Paul Laska
Accenture Federal Services LLCCristine Cole, Traci Cooke
Access Systems, Inc.T. Ali Moiyed
Accredited Standards Committee (ASC) X9, Inc.* Roy DeCicco, Harden Stevens
ACI WorldwideNick Barnes, David Grindal, Bryan Peterson
ADP, LLCYervant Manavian, Kristin Walle
AgriBank, FCBJennifer Anderson, Will Montis, Jeff Moore
Alliant Credit UnionGeorge Rudolph
Alloya Corporate Federal Credit UnionTodd Adams, Michelle McDowell, N. Brandt Peterson
AloStar Bank of CommerceCindy Russo
Alpine BankMichael Baker
American Bankers Association (ABA)Stephen Kenneally
American Chartered BankKent Scharringhause
American ExpressKaren Czack, Juromir Divilek, Paul Fabara
American National Bank & TrustRoy Olsen
American Trust & Savings BankMike VanPaemel
AnzaRandall Gutierrez
Aon CorporationMelissa Lawson
Aptys SolutionsEric Dotson, Debbie Smart
Army GFEBS (General Fund Enterprise Business System)Sandra Beeker, Roger Pillar
AscendantFX Capital Inc.Dan Caputo
Association for Financial Professionals (AFP)Magnus Carlsson, Thomas Hunt
ATEN Group LTDCarl Weir
Atlantic Capital BankJanet Boyst, Douglas Williams
ATM Industry Association (ATMIA)David Tente
BAFT (Bankers Association for Finance and Trade)Tod Burwell, Samantha Pelosi
Bank Administration Institute (BAI)Lisa Binmoeller, Thomas Dubnicka, James Grady
Bank IndependentKelly Burdette, Penny Camp
Bank of AmericaSteve Curtis, Michael Gramz
Bank of CommerceAdam Anderson, Jan Miller
Bankers' Bank* Mark Keeling, Barbara Gross, Edith Tholo
Bankers' Bank of KansasCandice Jackson
Bankers' Bank of the WestChristopher Hill, Debbie Wendt
BarclaysShuying Feng, Dave Goodman
Barclays Bank of DelawarePaul Wilmore
Barlow ResearchAdam Johnson
BB&TW. Bennett Bradley, Matt Ribbens
BBVA CompassSteven Cooper, Bob Hays
Beartriz Saldivar ConsultantBeatriz Saldivar
Bell BankPolly Thorsness
Berns Weiss LLPLee Weiss
BetterBuyDesignStephen Mott
BMCG ConsultingBreffni McGuire
BMO Harris Bank, N.AKate Choi, Florence Johnson
BNY MellonAnthony Brady, Carl Slabicki
Boeing Employees Credit Union (BECU)Douglas Marshall, Ken Myhra
Booz Allen HamiltonFrazier Evans
Boston Consulting Group (BCG)Alenka Grealish
Bottomline Technologies, Inc.Jessica Cheney, Jeffrey Harnisch
Bridge Community Bank* Bob Steen, Cheryl Coppess
Bureau of the Fiscal Service, Department of the Treasury* Gary Beets
Busey BankRandi Potter
C2C Consulting, LLCJim Fancher
Capgemini Financial Services USA Inc.Kartik Ramakrishnan
Capital One, N.AKarl Dicker, Tom Feil
Capitol Federal Savings BankCarl Ricketts, Tamara Vande Velde
Card Services for Credit Unions (CSCU), Inc.Thomas Davis
Catalyst Corporate Federal Credit UnionBrad Ganey
CB Bancshares Corp. (WEIR)Suchitra Padmanabhan
CCG Catalyst Consulting GroupAli Raza, Paul Schaus
CEB GlobalAndrew Schmidt
CeleritiFinTechEric Purdum, Kevin Schlumpf
Center for Responsible Lending (CRL)Rebecca Borne, Maura Dundon
Central BankSteve Duncan
CFPS Technology GroupManfred Neustifter
CGI Group, Inc.Cathy Pin, Brooke Toward
Circle Internet Financial, Inc.John Beccia
CitiDouglas Morrison, Behram Panthaki
Citizens Financial Group, Inc.Stephen Devine
Clear2PayDoug Gross, Elena Whisler
clearXchangeMichael Kerney
CM Genaro LLCChristienne Genaro
CMO IncWilliam Cunningham
Coastal States BankCharlie Christy
Coconut Grove BankIan Schweid
Cognizant Technology SolutionsEdward Herman
Coinbase IncJohn Collins
Colorado Business (CoBiz) BankMark Frank
Commerce BankSusan Doyle, Karen Grekstas
Commonomics USAMarc Armstrong
Computer Services, Inc.Gred Aumann, Stan Eckenberg
ConexxusGray Taylor
Conference of State Bank SupervisorsMichael Stevens
CONIX Systems, Inc.Steve Forston, Brad Zuber
Consumer Bankers AssociationDong Hong
Consumer Financial Protection Bureau* Gary Stein, Richard Cordray
Consumers Union* Christina Tetreault, Norma Garcia, Elisa Odabashian
CO-OP Financial ServicesJim Hanisch
Corporate One Federal Credit UnionCharles Harkness
Costco Wholesale CorporationRue Jenkins
Credit Union National Association (CUNA)Luke Martone
CU Cooperative Systems, Inc.Jim Hanisch
D+HKarl Jaeger, Gene Neyer
Data Kinetics LTDWilliam Olders
Data Support Systems, Inc.Matt Cunningham
Debit Network Alliance LLC (DNA)Paul Tomasofsky
DeloitteBrian Shniderman
Digital Asset Holdings, LLCAngela Angelovska-Wilson, Yuval Roof
Digital Bazaar, Inc.Manu Sporny
Digital Currency CouncilSarah Martin
Digital Currency Intelligence AuthorityPhilip Carl Mullan
Dirigendo LTDMiguel Martinez
Discover Financial ServicesKelly McNamara Corley, Judith McGuire, Rob Tourt
Dorado Industries, Inc.John MacAllister
DovetailMartin Cone, Namratha Monteiro
Dwolla, Inc. * Jordan Lampe
Dykema Cox SmithErin Fonte
EagleBankMarie Davis
Early WarningLou Anne Alexander, Perry Garrison, Laura Weinflask
Eastern BankBarbara Heinemann, Terence McGinnis
EastpayNorman Robinson
Edgar, Dunn & CompanyPeter Ehmke, Javier Guerrero, George Warfel
Edward JonesDorian Hansen, James Huang
Electronic Check Clearing House Organization (ECCHO)David Walker
Electronic Funds Transfer Association (EFTA)Kurt Helwig
Electronic Transactions Association (ETA)Ben Halifax, Scott Talbott
Elire, Inc.Karen Willis
Emerald World ET, Inc.Kelly Nelson
Ent Credit UnionMarilynn Davis, Tanan Miles
Enterprise Map Reduce IncFreeman Jackson
ePayResourcesTim Quisenberry
EPCORAnn-Marie Bartels
ESL Federal Credit UnionJoan Krempa, Mary Alice Liotta
Expertus TechnologiesBeatriz Saldivar
Extraco Banks, N.A.Misti Mostiller
F&M BankBarry Anderson, Robbie Jones
F&M TrustRonald Cekovich, William Snell
Federal Deposit Insurance Corporation (FDIC)William Henley, Jr., Deborah Shaw
Federal Home Loan Bank of BostonTheresa Mahoney, Rachele McDonough, Sean McRae
Fidelity BankMichelle Lureen
Fidelity National Information Services Inc. (FIS)Peter Gordon, Robert Woodbury
Fifth Third BankJeff Siekman
Financial Innovation NowBrian Peters
Financial Services RoundtableFrancis Creighton, Jason Kratovil
First Bank & TrustBill Waller
First Bethany Bank & TrustJanet Connel
First Citizens National BankJudy Long
First Data CorporationMarianne Johnson, Stephanie Parks, Joe Samuel
First Fidelity Bank, N.A.Thomas Graham, Lee Symcox
First National BankTammy Plummer, F.S. Ward
First National Bankers BankJoseph Quinlan III, Brandy Wheeler
First United Bank & TrustMatthew Growden
FirstBank Colorado* Jim Reuter
Fiserv, Inc.Jeff Carter, Tim Ruhe
Franklin Square GroupBrian Peters
Frost BankDeAundra Crisp, James Valdez
FTC Bureau of Consumer ProtectionPatricia Bak, Carole Reynolds
FundtechGene Neyer
Georgetown UniversityJames Angel
Georgia United Credit UnionMary Lock-Brooks
Ghost Systems, LLCDonald Ritzamn
Goldman SachsMichael Sklow
Green Catapult, Inc.Ramesh Lekshmynarayanan
Green Dot BankLewis Goodwin
GreenBackJames O'Connor
Greenlads Payment Services LLCLeroy Greene II
GTE FinancialBrad Baker
Guerdon Solutions LLCLanny Byers
Haddon Hill Group Inc.Philip Schaadt, George Warfel
Hard Rock Cafe International, Inc.Thomas Gispanski, Edward Mundt
Harland ClarkeKevin Kern
Home Loan State BankMichael Coltharp, Craig Springer
Hoyne Savings BankSidney "Chip" Corbett, Ralph Corstensen
HSBC Bank USA, N.A.Elizabeth Hastings, James Santangelo
Hub Culture Services Ltd.Stan Stalnaker
Hughes Network Systems, LLCAlok Mathur, P.K. O'Brien
Huntington National BankLarry Matteson
IBMMegan Bawn, Keith Melton, Kevin Thomsen, Barry Tooker
ICBA Bancard & TCM BankTina Giorgio
Icon Solutions LTDTom Hays
I-Exceed Technology Solutions Private LimitedKarthik Sivaprakasam
Illinois National BankTom Gihl
Independent Community Bankers of AmericaViveca Ware, Cary Whaley
Indiana UniversitySarah Jane Hughes
Individual ParticipantsStuart Abraonovitz, Tara Lynn Aldea,
James Angel, Maria Arraya,
Michael Balk, Parminder Bansil,
Michael Barr, John Beebe,
Yobie Benjamin, Robert Blair,
Steve Bohn, Gregory Boudreaux,
Lanny Byers, Mary Ann Callahan,
Matt Calman, Tyler Cebulla,
Wanda Chambers, Jim Chang,
Barbara Clark, Larry Cohen,
Michael Coltharp, David Crane,
Sean Daniels, Annahita Daryanavard,
Sam Dzirasa, Darren Elcock,
Donna Embry, Alison Estrada,
Frazier Evans, Gary Lewis Evans,
Susan Feinberg, Dan Fisher,
Erin Fonte, Scott Forston,
Christienne Genaro, Daniel Roger Green,
Amma Guerrier, Freda Hadnot,
Marcie Haitema, Mark Hargrave,
Chase Hawkins, Regina Williams Hendrick,
Michael Herbert, Sarah Jane Hughes,
Kieren James-Lubin, James Jefferson,
Shamir Karkal, Chris Kieffer,
Christine Koncal, Thomas Kracher,
Adam Levitin, Theresa Mahoney,
Joseph Mason, Eric Mata,
Breffni McGuire, Jacinto Mendez,
Jon Moen, Stephen Mott,
Edward Mundt, Neil Murphy,
Eric Nelson, James O'Connor,
Edward Oppenheimer, Anita Patterson,
David Peterson, Erin Portwood,
Rodman Reef, Norman Robinson,
Andrew Ron, Ian Rubin,
Eileen Schwed, Ian Schweid,
David Shipper, Gail Simpson,
Rich Stuppy, Hari Subramanian,
Srinivas Vadhri, Sam Vallandingham,
Chris Vavricka, Frank Visintin,
R. David Whitaker, Bradley Wilkes,
Catherine Wilson, Aaron Wright,
Brennan Zubrick
Infineon TechnologiesJoerg Borchert, Oliver Manahan, Andrew Prillwitz
Infosys LimitedVijay Anand, Gururaj Deshpande
Ingo Money, Inc.Dickson Chu
Integrity Payment SystemsAnthony Morrison, Ryan Schneider
Intellect Design Arena LimitedAlfred Carpetto
InterComputer CorporationScott Volmar
Internal Revenue ServiceEva Williams, Pamela Wilson
International CyberBanque, Ltd.Allison DeBonnett
INTRUST Bank, N.A.Michael DeBroeck
Intuit Inc.Eric Dunn
Investors BankPaul Mantia
IRC AdvisoryKirsten Trusko
ItBit Trust Company LLCCharles Cascarilla
Jack Henry & AssociatesGreg Adelson, Deborah Phillips
Jaguar Software Development, Inc.Richard Leirer
JPMorgan Chase & Co.Tom Bianco, Andrew Dresner
Kalypton Group LimitedAlun Thomas
Karmic Labs IncRyan Weidenmiller
KeyBank, N.A.Ken Gavrity, Brian Guess
KeyPoint Credit UnionEric Nelson
Killeen Independent School DistrictCedric Menchion
Kount Inc.Rich Stuppy
KPMG LLPChris Hadorn
KY Bankers AssociationDebra Stamper
Lake City BankTeresa Bartman, Tim Vosberg, Inc.Michael Isaacs, Cheryl Yavornitski
Let's Talk TreasuryBeatriz Saldivar
Levvel, LLCScott Harkey, Greg Lloyd
LexisNexis Risk SolutionsAaron Press
Lipis AdvisorsLeo Lipis
Louisiana State University and the Wharton SchoolJoseph Mason
LYFT, Inc.Taggart Matthiesen, Rachel Wasko
M&T BankJeanine Andol-Moeller, Paris Roselli, Christopher Tolomeo
Macon-Atlanta State BankJames Neill
Macy's Credit and Customer Services, Inc.Brian Stout
Magensa LLCRoger Applewhite
Maine State Treasurer's OfficeKristi Carlow
Mantrana PartnersMark Ericksen
MarketcyDavid Jackson
Maryland Consumer Rights Coalition* Marceline White
Mass State TreasuryMinot Powers
MasterCardLou Anne Alexander, Neil Desai, Leland Stanford Englebardt, Peter Gordon, Pamela Rabarm
m-bancoRandolph Kantorowicz
Mentor Graphics CorporationDean Freed, Patricia Hui
Mercantil Bank, N.A.Ian Schweid
Merchant Advisory Group (MAG)Barry Hanen, Mark Horwedel
Michigan State University Federal Credit UnionApril Clubes, Nicole Dilts, Sara Dolan
Mid-Atlantic Clearing House Association (MACHA)Robert Dael
Mid-South Commercial Law InstituteBarbara Clark
Midwest Independent BankSheila Noll
Milken InstituteStaci Warden
Mindful Insights, LLCEdward Woods
MineralTree, Inc.BC Krishna
Mirac Systems, Inc.Sam Dzirasa
MLK Technlogy Consulting, LLCChristopher Nehrbauer
Mobile Money MattersDaniel Csoka
Montecito Bank & TrustJames Jefferson
Morgan StanleyCaroline O'Connor, Olga Zeltser
Moshulu Group Inc.Livia Judith Szabo Klimovitsky
Moulah, Inc.Jad Chahine
mPay ConnectMenekse Gencer
MphasisGanesh Guruvayer, Mallinath Sengupta
Mroute Corp.Hugh Enobakhare
MShift, Inc. Scott Moeller
MUFG Union Bank, N.A.Russell Ellsworth
MyECheck, Inc.James Francher, Edward Starrs
NAC Foundation, LLCMarcus Andrade
NACHA - The Electronic Payments Association* Jan Estep
nanopay CorporationLaurence Cooke
NASA - National Aeronautics Space AdministrationPamela Kroeger
National Association of Federally-Insured Credit UnionsCarrie Hunt
National Consumer Law CenterLauren Saunders
Nationwide InsuranceTimothy Dwyer
Navy Federal Credit UnionJon Damron, Jeff Larson, Tynika Wilson
NCR CorporationSteve Nogalo
NetflixJosh Karoly
Nevada Fair Housing CenterGail Burks
New England Automated Clearing House Association (NEACH)Joseph Casali
NielsenAlain Espinoza
North American Banking CompanyMichael Bilski
Northern TrustWilliam Barouski, Selina Horton
NowKash Inc.Manfred Neustifter
NSHMBAElizabeth Kotapua
NXSystemsMichael Busher
Obertheen TechnologiesPhilip Andreae
Office of Foreign Asssets Control (OFAC)James Wilde
Office of the Comptroller of the CurrencyGail Simpson
Okanii Inc.Grant Colhoun
Old National BankJohn Kamin
Oliver WymanTony Hayes
Oracle America, Inc.Donald Deutsch, Mark Smedley
Pacific Coast Bankers' BankAllen Sztukowski, Julie Wild
ParityPay, Inc.Paul Proctor
Paxos Trust Company, LLC Mary Ann Callahan, Charles Cascarilla
Pay CommerceKaren Morgan
Payall, Inc.Gary Palmer
Paychex, Inc.Michael Trabold, Rebecca Wagner
PayCommerce Inc.Raj Kanapur, Mark Forysiak
PaylocityMegan McHale
Paymency Inc.Gary Lewis Evans
Payment AssociatesChris Vavricka
Payment Pathways, Inc.Richard O'Brien
Payments CanadaJan Pibauer, Bradley Pragnell
Payments Transformation & Innovation ConsultingDeborah Baxley
PaymentsFirstPeggy Gachesa
PayverisFrancis Duggan
PNC BankPaul Trozzo
Positive ResourcesKenneth Oros
PreCash Inc.Blair Jeffery, Randy Templeton
Pricewaterhouse Coopers LLPMichael Landau, Andrew Luca, Tim O'Donnell
Primeton Software, Inc.Ariu Levi
Prudential FinancialEd Chernesky
PSCU Financial ServicesArt Harper
Pulaski BankCheri Bliefernich
Push PaymentsTravis Dulaney
Q R Special Payments Inc.Larry Cohen
Q2ebankingDebbie Smart, Steve Spence
QCheque LLCShoaib Shafquat
QNB BankDave Freeman
QRUZSteve Bohn
Quail Creek BankJames Griffith, Bryan Scott, Steven Thompson
Quicken, Inc.Eric Dunn
RBC Royal BankMary Ellen Brown
Redeye Ventures LLCAnand Capur
Reef Karson Consulting, LLCRodman Reef
Regions BankChris Brasher, Kevin Leitten
Reinvestment PartnersAdam Rust
Retail Payment ASDale Easter, Hans Petter Hoel
Ribbon Payments, Inc.Hany Rashwan
Ripple* Ryan Zagone
Rosetta TechnologiesJose Cortedano, Paul Malinowski
Safe CashVuk Bulajic
SafeAmerica Credit UnionSteven Page
Samaha Associates, Inc.Sabeh Samaha
San Mateo Credit UnionJulieta Abad, Wade Painter
Sandy Spring BankTina Giorgio
Santander Bank, N.A.Rav Acharya, Florence Lenoel
SAPD. Trotta
SEFCUCheryl Collier
SHAZAM NetworkKevin Christensen, Scott Dobugh
ShoptakiAsnee Fernando, Geng (Eric) Zhou
SIFMAThomas Migneron
SignalFireStephen Trusheim
Social Security AdministrationCarla Krabbe, Kathi Moore
Southern Financial ExchangeDonald Jackson
Spectrum Consulting Services Inc.Charles Wallen
Square Inc.Kalyani Iyer, Matthew Janiga, Stanley Lam, Demetrias Marantis
St. Louis County GovernmentAndrew Durket, Pamela Reitz
Star One Credit UnionRanay Allred, Lynn Brubaker
StarbucksTanya Strawn
Starwood Hotels & ResortsAlisa Rosenberg, Alan Schnail
State Bank & Trust CompanyKeeta Diller, Mike Fitzgerald
State Department Federal Credit UnionJoan Pendleton, William Thorra
State of DelawareKristopher Knight
State Street Bank and Trust CompanyJoseph Caputo, Suzanne Case
Stinson Leonard Street LLPMark Hargrave
Strategy&Mark Flamme
Suncoast Credit UnionWanda Chambers
Sunlight Commerce ConsultingCarla Canino
SunTrust BankJennifer Lucas
SwapsTech Inc.Booshan Rengachari
SWIFT Pan-Americas, Inc.Ignacio Blanco, David Lefferts, Javier Perez-Tasso
Synapse Payments LLCSankaet Pathak
SynechronWade Murray
Target CorporationJeff VanMeter
TASCET Inc.Jeffrey Bretzmann, Brenda Sorenson
Tata Consultancy ServicesPushpa Hegde, Regina Williams Hendrick
TD Bank, N.A.* Rick Burke, Karyn Varney
Telogis, Inc.Barbara Hvasta, Ted Serentelos
Texas Legal Services CenterRandall Chapman
Texrura CorporationErica Heaverlo
TG and C Group Consulting, LLCDavid Crane
The Bancorp, Inc.Andrew King, Jeremy Kuiper, Frank Mastrangelo
The Clearing House (TCH)* Steve Ledford, Russ Waterhouse
The Copper River Group, Inc.Dan Fisher
The Kroger Company* Kathy Hanna, Todd Foley
The Pew Charitable TrustsRachel Siegel, Susan Weinstock
The PrivateBank and Trust CompanyJean Roesch
The Sun ExchangeLawrence Temlock
Think FinanceNina Vitagliano
Thought Matrix Consulting, LLCEdward Oppenheimer
ThreatMetrix, IncAndreas Baumhof, Frank Teruel
TIB The Independent Bankers Bank, N.A. Lyle Walden
TMG Financial ServicesJon Sarvis, Erci Schurr
TokenSteve Krisch, Marten Nelson, William York
Total System Services, Inc.John Dale Hester
Toyota Motor Credit CorporationLakshan Fernado, Wei Shi, Cindy Wang
Transactis, Inc.James Fornari, Lisa Gawlak
TranspayRNG Blower
Treasury Strategies, Inc.Dave Robertson
TSYSSarah Hartman, Victoria Strayer
Tulsa Federal Credit UnionGregory Gallant
U.S. Bank* Tom Rea
UMACHAFred Laing
UMB Bank, N.A.Tristan Thompson
United Nations Federal Credit UnionBill Thomas
United Services Automobile AssocationDenise Shaffer
University BankStephen Ranzini
University of Nebraska-LincolnRichard Moberly, Susan Poser, Catherine Wilson
Urban FT, Inc.Glen Fossella
US Dataworks Inc.Leilani Doyle
USAATom Shan
Vantiv, Inc.Jon Genovese, Bryan Jacobs, Jared Warner
VerifoneDavid Ezell, Dave Faoro, Albert Liu
Verisign, Inc.Pat Kane
VerizonCharles Elbert, Gail Oswald
Virginia Credit UnionDeborah Wreden
Virtual Process Design LLCFrank Visintin
Visa Inc.Matt Friend, Bill Sheedy
Vista BankRandall Runquist (Randy)
VocaLinkTimothy Ensor-Clinch, Jim Mortimer, Mac Mowtalswac
Volante Technologies, Inc.Douglas Green, Vijay Oddiraju
VSoft CorporationCharlie Brinza, Rebekah Youngers
Wal-Mart Stores, Inc.* John Drechny, Michael Cook
Wausau Financial Systems, Inc.Larry Buettner
Wells Fargo & CompanyDouglas Berg, Mitchell Christensen, Yuemei Zhang
WesPayWilliam Schoch
West River Ventures LLCChike Eleazu
Whitechapel Think Tank LimitedJohn Edge
Whitney BankJohn Connelly
Wildcard PaymentsTravis Dulaney
WingCash, LLC* Bradley Wilkes
Wipro Ltd.Mary Ann Francis
Wisconsin Automated Clearing House Association (WACHA)Mary Gilmeister
Woodforest National BankAndrew Paur
Woodstock InstituteTheodora Rand
World BankMassimo Cirasino
World Currency USAMichael Ruccolo
World FirstMichael Ward
Wright-Patt Credit UnionDarrick Weeks
Xalgorithms FoundationJoseph Potvin
Xoom CorporationBrent Collins
ZenbanxTom Hugh
Zions BancorporationDonald Barry