UMACHA 50 years of guiding payments

Fraud Symposiums


Brought to you in cooperation with the Financial & Retail Protection Association (FRPA) & Independent Community Bankers of North Dakota (ICBND), these symposiums are designed to provide you with the latest information regarding financial crimes and the most up-to-date solutions for fraud prevention. Jam packed with useful information, this symposium will help you & your institution stay ahead of the fraudsters. Potential topics include Local Law Enforcement updates from the FBI, check fraud, cryptocurrency fraud, cybersecurity, payments fraud, classifying and reacting to fraud, and a bankers panel of your peers.  Review the dates, locations, & agendas below for more information.*

*Agenda, speakers, & sessions may vary by location & subject to change.


Three Options for 2024:


In-Person (Brooklyn Park, MN*)

April 9, 2024 | 8:30 AM - 4:30 PM

Register by April 1: $340/$680 (Mbr./Non-Mbr.)

Registration after April 1: $365/$705 (Mbr./Non-Mbr.)

Review the Agenda

Register to Attend

Virtual Symposium

April 30, 2024 | 8:30 AM - 4:30 PM

$340/$680 (Mbr./Non-Mbr.)




Review the Agenda

Register to Attend

In-Person (Bismarck, ND)

Oct. 1, 2024 | 8:30 AM - 4:30 PM

Register by Sept. 23: $340/$680 (Mbr./Non-Mbr.)

Registration after Sept. 23: $365/$705 (Mbr./Non-Mbr.)

Review the Agenda

Register to Attend

* To learn more about our hotel room block, click 'Register to Attend' & review the 'Details' section.

Speaker Bios:

*Speakers may vary by date & location of event.


Jennifer Miller, AAP, APRP, NCP, PMC, Senior Director of Services - UMACHA

Jennifer has spent the last 30+ years in Banking with 19 years in software product management, design and consulting, and 7 years at a Midwest Financial Institution.  Jennifer is currently the Senior Director of Services with UMACHA managing the compliance and education at the Payments Association.  Jennifer is responsible for establishing effective electronic payment compliance services, as well as, creating and delivering training programs to drive client satisfaction by balancing regulation with managing market expectations in innovative ways.  She is an experienced Cash Management Professional, with progressive leadership experience in Financial Institution and Software Development.


John McCullough, CPP, CFE, President & CEO - Financial and Retailers Protection Association (FRPA)

John McCullough, CPP, CFE, is the CEO of Financial Crimes Services (FCS) since July 2022. He founded the Financial and Retailers Protection Association (FRPA, 1999) and previously led Diversion Solutions (2000) and Target Corporation’s Department Stores Regional Director of Loss Prevention (for 22 years). John formed the UMACHA (25 years) and Southern Financial Exchange (April 2024), both Payment Associations, Alliance Partnerships for their members.  John volunteers with MN AARP Fraud Fighters and educates on preventing financial crimes, especially against the elderly. He travels internationally to train law enforcement in Pakistan and is recognized by the US Secret Service for his work on several cases. He initiated, with Sgt. Abbas of Minneapolis Police, the MN Statewide Financial Crimes Task Force by passing legislation in MN. He is also a Key Lobbyist for nine other MN State Laws relating to financial crimes and dealing with offenders.  John provides Kate Cole of FRPA with multiple fraud and mitigation training programs in numerous states.  John holds a BS in Business Administration from the University of Minnesota and is certified as a Protection Professional and Fraud Examiner. He collaborates with various organizations on security and fraud prevention.


Kate Cole, AAP, Executive Director - FRPA

Kate Cole has nearly two decades of bank operations experience. Kate is an experienced speaker on payments and fraud related topics. She was VP of the Upper Midwest ACH Association for over 15 years. Kate has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics.


Mike Burke, Sr. Robbery & Crisis Management Consultant - SHAZAM

An eight-year veteran of SHAZAM, Mike has over 30 years of experience in retail loss prevention, criminal justice education, law enforcement and the Department of Homeland Security. He’s recognized as a master presenter by the National Institute for Staff and Organizational Development (NISOD).

During his law enforcement career as a detective sergeant, Mike was a case agent for financial institution robberies, drug investigations and homicides. He’s testified as an expert witness against drug trafficking organizations in numerous state and federal court cases. He’s been recognized by the United States Attorney’s Office for his meritorious acts in the investigation and prosecution of a methamphetamine trafficking organization.

As founding director of Iowa Central Homeland Security Training Center, he was responsible for the development, implementation, and instruction of over 40,000 first responders in critical homeland security curriculum. Those duties included active shooter law enforcement response training and conducting threat assessments for government facilities.

Mike is a current member of CrimeDex, International Association of Financial Crime Investigators and numerous local, state, and federal fraud working groups.


Corey Krebs, Asst. Commissioner - North Dakota Department of Financial Institutions (NDDFI)

Corey Krebs has been a regulator with the North Dakota Department of Financial Institutions since 2003.  He has served in the positions of examiner and Chief Examiner of Credit Unions.  Since 2018, he has been Assistant Commissioner overseeing banks, credit unions, and non-depository institutions.

Corey grew up on a dairy, beef, and small grain farm, and attended the University of North Dakota, earning degrees in both accounting and economics.  He is also a graduate of the Colorado Graduate School of Banking.  Agriculture remains an interest, and his free time is devoted to his small hobby farm with his wife and three children.


Elin S. Alm, Asst. Attorney General, Interim Dir., Consumer Protection & Antitrust Division - North Dakota Office of Attorney General

Elin Alm is an Assistant Attorney General and the Director of the North Dakota Attorney General’s Consumer Protection and Antitrust Division.  Since joining the Attorney General’s Office in 2007, Ms. Alm has worked on enforcement of consumer protection and antitrust laws through investigations and civil legal actions. She also is involved in legislation, consumer complaint mediation, and consumer education and fraud prevention.  Ms. Alm graduated with distinction from the University of North Dakota School of Law in 2003.  Her undergraduate degree is a candidatus juris degree from the University of Oslo, Norway, where she graduated in 2001.   


Lisa Hartje, CBAP, VP | BSA & Fraud Manager - First International Bank & Trust

Lisa has worked in the banking industry for over 22 years, seven of those years as the BSA Officer and Fraud Manager at First International Bank & Trust.  Lisa is a Certified Bank Secrecy Act & Anti-Money Laundering Professional (CBAP).  She oversees all BSA and Fraud Department operations at First International Bank & Trust. Lisa is a graduate of the Dakota School of Banking and an active member of ICBA’s BSA Peer Group, the ICBA Fraud Sub Group, and NDBA’s Peer Fraud Group. She currently serves on five bank committees where she provides fraud and risk updates, creates and implements fraud mitigation strategies, and provides guidance on all BSA/AML and OFAC regulations. Lisa has investigated a multitude of fraud cases and has lead recovery efforts involving complex cases related to business email compromise, computer intrusion, online account takeover, customer impersonator fraud, elder exploitation, money mule and romance scams, and many check and deposit fraud cases. When Lisa is not fighting fraud, she enjoys traveling to new destinations and spending time with her family.


Mac Schneider, United States Attorney - U.S. Department of Justice

Our district encompasses the entire state of North Dakota, with about 760,077 residents. North Dakota has 53 counties spanning more than 70,665 square miles.  North Dakota has 4 Indian reservations: Spirit Lake, Fort Berthold, Standing Rock, and Turtle Mountain. Additionally, a portion of the Sisseton-Wahpeton Sioux Nation eclipses a small section of southeastern North Dakota. Our staff comprises 52 highly trained and dedicated employees who work in different areas, such as civil law, criminal law, financial litigation, anti-terrorism, law enforcement coordination, victim-witness support, and administration. The District has two staffed offices and two unstaffed offices. Our main headquarters is in Fargo, North Dakota's largest city, with a population 127,422. The main office has 10 Assistant United States Attorneys and 24 support staff.

Mac Schneider, a Fargo, North Dakota native, was sworn in as United States Attorney for the District of North Dakota on December 12, 2022.  Before joining the USAO, Schneider worked in private practice in Fargo, where he litigated class action, civil rights, and administrative law cases.   From 2008 to 2016, Schneider was a member of the North Dakota Senate, where he sponsored and helped pass legislation to combat:  Human trafficking, Assist victims of domestic violence and protect children. Schneider was also an adjunct faculty member with the University of North Dakota School of Law. He received his law degree from Georgetown University Law Center in 2008 and his undergraduate degree from the University of North Dakota in 2002. 


Jonathan O'Konek, Asst. United States Attorney - U.S. Department of Justice

Responsible for prosecuting federal offenses occurring within the District of North Dakota. Jonathan is currently assigned to prosecute white-collar and related federal cases on various financial crimes.  Responsible for submitting appellate briefs and presenting oral arguments before the 8th Circuit Court of Appeals.  I also serve as the District Deputy Ethics Advisor and Professional Responsibility Officer.  In 2019, awarded the 67th Attorney General’s Award for Fraud Prevention.  In 2018, the District of North Dakota Assistant United States Attorney Victim Assistance Award.  Has served as the District Deputy Ethics Advisor and Professional Responsibility Officer.  Alma mater include Texas A&M University and the University of North Dakota School of Law.