In this episode of the Treasury Whisperers Talkcast Podcast,host Seth Marlowe interviews Sean Carter, CEO of NEACH (www.neach.org) and the NEACH Payments Group (www.neachgroup.com). Sean explains NEACH's role as a regional payment association providing education, rules, and risk management support for financial institutions, the consolidation of regional associations from 30 to 9 due to bank mergers and industry shifts, and the relationship between NEACH and NACHA, including how PAs participate in NACHA rule changes and NACHA’s initiatives like FedNow and Phixius. They also discuss: the impact of industry regulation and innovations, including the growth of RTP, ACH, and the ongoing presence of checks, with predictions about stable coins; the importance of operational practices infraud reduction, including simple process changes and end-user education; and the evolving threat landscape in payments, the role of AI in fraud detection, and the need for industry-wide cooperation. Links:Sean Carter on LinkedIn: https://www.linkedin.com/in/sean-carter-aap-aprp-afpp-ba87104/Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer Studio and Treasury Whisperer LLC © 2025-2026Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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