VACB Compliance - Operations Joint Forum
Join VACB for our inaugural Compliance-Operations Forum in Staunton, 11/20
Hotel 24 South
24 South Market StreetStaunton, VA 24401-4350
United States
Event Details
VACB 2025 Electronic Funds Transfer Act and Regulation E Disputes - CRCM Hours TBD
Download the full program brochure HERE
Presented In Person November 20, 2025 | Hotel 24 South, Staunton, VA
9:00 AM - 4:00 PM
Program Agenda
1. Coverage and Definitions
2. Ecosystem Parties
A. Depository Financial Institutions
B. Reg E Payment Provider Financial Institutions
C. Reg E Service Providers
D. Visa, Mastercard, Discover and Amex
E. NACHA
3. Reg E Disclosures and Risk Management
4. Reg E EFT Errors and Merchant Disputes
A. Fraud - Unauthorized Transactions
B. Scams - Authorized Transactions
C. Chargebacks
5. Investigations and Resolution
6. Critical Fraud Trends
Join us for a lively solution session on the complexity of today’s electronic fund transfer (EFT) ecosystem. We’ve got lots to talk about from an Operations and a Compliance perspective. We will dive deep into mandatory requirements and best practices to survive the ever increasing volume of disputed EFTs. Come prepared to discuss what’s working and what’s throwing kinks in your processes!
Questions we will tackle:
- Is this unauthorized or authorized????
- How do we properly investigate disputes?
- Are we documenting our efforts sufficiently to prove our thorough efforts?
- How do we effectively get our customers’ money back from merchants and payment networks?
About Our Speaker - Patti Joyner:
Patti Joyner is a nationally-known, dynamic speaker and leader with strong, intuitive management skills, and a deep conviction that "excellence is not optional." She has extensive experience in working with financial institutions, bank data processors and governmental agencies. Patti has more than 35 years of experience in the financial industry as an entrepreneur and financial institution executive. She is a Certified Regulatory Compliance Manager (CRCM), skilled regulatory compliance consultant, bank operations specialist, system automation designer and an enthusiastic regulatory compliance instructor who believes in providing real-world solutions ready for immediate implementation.
For More Information:
Registration Fees Include:
Registration fees include breaks and lunch as well as the program materials both printed and electronic for use back at the bank.
Room Reservations
VACB has reserved a limited number of rooms for the nights of November 19. The rate is $129 for a single or double room. Reservations MUST be made directly with Hotel 24 South by calling the hotel directly at (540) 885-4848 and referencing the Virginia Association of Community Banks room block. This block of rooms will only be held until Friday, October 242025. Check-in time is 4:00 p.m. and check-out time is 12:00 noon.
Cancellation Policy for the Hotel:
All reservations must be accompanied by a first night room deposit or guarantee with a major credit card. In the event you must cancel your hotel reservation, the deposit is refundable if notice is received 48 HOURS prior to the day of arrival and a cancellation number is obtained.