John has over 25 years banking experience, the majority of which focused specifically upon Payments product management, strategy and development. Prior to starting RemoteDepositCapture.com, John held positions at HSBC Bank USA, Deutsche Bank, PriceWaterhouseCoopers Consulting, and has conducted independent consulting engagements for numerous Financial Institutions. Since founding RemoteDepositCapture.com, John has been a featured speaker at numerous industry & user conferences, annual meetings and industry gatherings. John is a primary resource to, and has been a featured speaker with the Federal Reserve, FFIEC, FDIC, US Treasury, Office of Thrift Supervision and the National Credit Union Administration. John was a key resource to the FFIEC and assisted in the development of the FFIEC’s RDC Risk Management Guidelines and trained over 1,200 auditors. John continues to be involved in a similar capacity with other governmental agencies. John holds an MBA in Entrepreneurship and Finance from New York University’s Stern School of Business.

Kristin Stedman joined PaymentsFirst (formerly the Tennessee Automated Clearing House) in October of 2009 as Director of Education and Assistant Director of Audit Services. Today with PaymentsFirst, Kristin is the Senior Vice President of Risk and Compliance. Kristin’s responsibilities include completing compliance and education events. Kristin is actively involved in the industry.