Uniting cash professionals from across financial institutions, merchants and the supply chain to gain unique, specialist insights
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Cash in the USA brings together engaged professionals in the cash industry to share experiences and discuss ideas on the future of cash.
In October 2025, join us in Charlotte, North Carolina for the next Cash in the USA. We’ll be bringing the retail banking industry together for an evening of networking before the main conference.
The following conference day will feature an agenda filled with industry experts focused on the complex challenges and opportunities in the market and how best practice can be applied.
With continued innovation across the cash supply chain, how can financial institutions take advantage of these and assess what is right for their network?
1We'll discuss new technologies such as recycling & ITMs and delve into the second order complexities these can present to forecasting and reconciliation.
2Both commercial and personal cash usage has changed and this influences how FIs service their customer base. We will analyze these changes and how to adapt.
3We'll analyze how to improve the efficiency and productivity of your retail, ATM or self-service network to reduce costs, increase uptime and enhance customer experience.
4
Industry Networking
Join us for the opening reception of Cash in the USA at Johnny Cash’s Museum and Bar. We’ll be bringing the cash industry together the night before the main conference for an evening of networking, live music and drinks at this historic Nashville venue.
Attendees will be able to tour the Johnny Cash Museum and enjoy live music and entertainment as well as hear from Cash in the USA’s sponsors.
Lee Williamson
Haley Gibson
Haley Gibson will share FRFS FedCash Services’ latest insights regarding cash usage and other payment trends from our most recent Diary of Consumer Payment Choice, as well as other analysis conducted in 2024 to understand the cash ecosystem, consumers’ storage of cash for contingency and other purposes, and accessibility of cash nationwide.
Matt Snow
Robert Bujas
Tammy Hardy
With the vast array of cash technology available on the market, understanding which technology is right for your network can be a real challenge.
In this session, experts from all stages of the supply chain will be sharing their approaches to cash technology, providing insights on how to identify the correct technology for your needs and rollout across your operations.
Innovations explored will include the Federal Reserve’s e-manifest programme, how to drive recycler utilization and where ITMs could work in your networks.
Cathy Isom
Stacy Diamond
Commercial cash demand is changing, as an FI, its vital you can adapt and innovate to solve new client challenges and increase retention.
In this panel, FI treasury experts will share ideas as to how you can build robust relationships with your commercial clients to further embed yourself within their business to create further revenue opportunities.
Strategies include offering streamlined ordering processes, increasing visibility of where cash lies within their networks and how you can help your clients hold their vendors to account.
Luke Curry
Anti-money laundering initiatives are increasingly coming under scrutiny both internally and by external regulators. Having robust forecasting and reconciliation measures should act as the first line of AML defense.
In this presentation, we will explain why bringing greater intelligence and reporting into these functions can help detect AML violations quicker and increase the speed at which issues are resolved, saving your institution time and resource.
To improve forecasting and reconciliation outcomes, material increases in productivity must be the goal. Find out where you are going wrong and what best practice looks like.
Jean-Pierre Lacroix
There is much discussion regarding the role and future of cash in retail banking. However, our unique insights, based on industry and consumer studies, can shed new light on this topic. Understanding where money is relevant and essential in the banking experience can significantly drive customer loyalty and engagement. This session is particularly relevant for financial institutions reviewing their cash, drive-up, and ATM strategies, offering potential benefits for your customer relationships.
Session takeaways:
Chris Cichy
Matt Lilya
With new technologies such as recycling and ITMs increasing across FIs retail networks, communications and networking across the estate becomes paramount to ensure uptime for customers. This presentation will discuss how communications and networking can be optimized with these new technological challenges in mind.
Lauren Slaughter
Robert Norman
This panel session will explore the shifting landscape of retail bank branches and how strategic renovations, automation, and the integration of ATM technologies are shaping the future of banking. We’ll delve into how banks and credit unions are addressing both consumer and merchant needs, and how convenience is driving the convergence of the cash ecosystem.
Paul Mattison
Robert Farmer
ATM vendors are increasingly offering operating models such as ATM as a Service and larger packages of managed services.
In this panel discussion, a series of banking experts will explain how you can determine which operating model is right for your network and the importance of vendor management as suppliers continue to innovate.
The operating model you employ is a key predictor of network performance. Whether you run operations in house, utilize software solutions or outsource completely, are you getting the best from your operating model?
Lee Williamson
Expert guests from the industry will join us and provide perspectives as we discuss, debate and analyze a range of pertinent topics.
CEO, CMS Analytics
Andrea joined CMS Analytics in 2002 after completing her PhD in Pure Mathematics and Computer Science. She became President in 2009 and has since overseen phenomenal growth, leading CMS to have operations in over 31 countries. Andrea is also a Chartered Mathematician and a Member of the Institute of Mathematics and works to promote maths education and careers. She also provides advice and guidance at conferences and universities on maths, computer science and women in business.
Senior Product Manager, First Citizens
With 18 years of dedicated service at First Citizens Bank, Cathy Isom has honed her expertise in treasury management receivables, specializing in cash vault, smart safe, and remote deposit capture over the past two years. Her career spans two decades in cash supply chain logistics and optimization where she has excelled in operational roles and managed teams to deliver strategic solutions that enhance efficiency and mitigate risks for the bank.
A proud graduate of North Carolina State University, she holds a bachelor’s degree in applied mathematics and recently received her CTP designation. Outside of work, Cathy is a devoted mother of three busy teenagers, balancing professional excellence with commitment to family.
President, SLD
When it comes to the brand design industry, Jean-Pierre Lacroix is always one step ahead. A visionary design thinker, author, and speaker, JP maintains an unwavering focus on the latest and emerging trends. Driven to produce measurable results through strategic insights, he is committed to helping brands achieve experiential transformation.
JP’s 35 years of experience have enabled him to assist clients in identifying the leading retail and digital trends that affect their branding initiatives.
JP has developed a reputation as a true innovator and first-rate problem-solver, with expertise in providing clients with unique, results-driven solutions for their product and service needs.
VP, Business Development, Ventus
As VP Business Development for Ventus, Matt utilizes his 20 years of experience working directly with financial institutions to understand their networking goals and requirements to develop solutions that deliver the highest uptime for complex networking challenges.
ATM Product Strategy, Bank of America
Paul has been with Bank of America for 20 years and is their digital product strategy lead for ATM development. Paul builds, in partnership, solution strategies to optimize the banks cash ecosystems and processes. Paul holds over 45 patents that span from the Automated Teller Machine to digital payments, business processes, fraud, security and workflow management.
Paul's passion is developing a deep understanding of an environment and then transitioning that environment to a future state through partnering, planning, developing, and refining solutions. This passion for understanding complex processes and environments to drive continuous improvements is what has led him here to speak with you today.
In addition to his 20 years at Bank of America, Paul holds a Bachelor’s in Mechanical Engineering from Old Dominion University and a Master’s in Business Administration from The College of William and Mary.
Managing Director, CMS Analytics
Lee joined CMS Analytics in 2014 as Research Analyst to focus on both internal and external research. After developing a strong knowledge of CMS Analytics’ international markets, Lee now leads commercial development for the business. Within this role, he works with both financial institution and retail clients to undertake tailored projects and optimization solutions. Lee graduated with a BBA from Lancaster University in 2012, including a year at McGill University in Montreal, Canada.
Assistant VP, Federal Reserve Financial Services
Robert Bujas is the Assistant Vice President over the FedCash Services Support, Admin, and Engagement group where he currently serves as the program manager for Cash Visibility, which is a multi-year collaborative initiative with the Federal Reserve Bank (FRB) and the cash services industry to develop standard electronic data exchanges between the FRB and cash industry partners.
Robert’s Fed’s experience spans over 22 years holding positions of increasing responsibility where he served as the product manager over the FedCash applications and spent a portion of his Fed career in FRB Cash Services where he managed Cash Operations and lead several of the Federal Reserve Bank’s District programs.
Robert holds a Bachelor of Science, in computer information systems from the University of Phoenix.
Executive Director, Global Treasury Management, Wells Fargo
Stacy Diamond is an Executive Director with 27 years’ experience in Treasury Management. Today Stacy manages all things cash and cash channels related for Wells Fargo’s Global Treasury Management team; such as traditional Cash Vault (CIT), alternative CV products including SafeVantage® - Wells Fargo’s suite of smart safe solutions - branch banking and ATM.
VP, Strategic Initiatives, Ventus
Bill Stutzman, Vice President of Strategic Initiatives joined Ventus, a Digi Company, in 2015.
Bill supports the teams at Ventus as a change agent, by creating strategies for financial institutions to solve technology challenges and meet their networking needs that positively impact the customer experience.
Bill holds an M.B.A from Columbia University.
National Account Executive, Cennox
Lauren has over 15 years of experience in the retail banking industry, and in her role, she collaborates with global partners to deliver agile strategies that drive success in both retail and financial institutions. Lauren's extensive experience enables her to craft transformative, customer-centric solutions, ensuring her clients remain competitive in an ever-evolving landscape. Lauren holds a Bachelor of Arts in Marketing from Walsh University.
Associate VP of North American ATM & Cash Operations, TD Bank
Robert is responsible for leading the cash operations ecosystem across Canada and the US for ATM, Retail Banking, and 3rd party cash vendors. This includes managing cash holdings of over $4 billion across TD Bank Group. With nearly 25 years of experience in banking, Robert has held various roles in US Retail Stores, Retail Operations and in North American ATM & Cash Operations. He is a proven leader, customer advocate and change agent, always looking for new ways to deliver WOW experiences for colleagues and customers.
Senior Manager, Federal Reserve Financial Services
Haley has spent 18 years at the Federal Reserve, first as a supervisor across US banks of all asset sizes before joining FedCash Services in 2021, where she leads the Cash Insights & Policy Analysis team. Haley leads research and analysis related to cash’s role in society, the evolution of the cash supply chain and how these changes may affect the Federal Reserve’s ability to meet its FedCash mission. Haley’s team is also responsible for the administration and review of the Federal Reserve’s key cash policies. Haley holds a Bachelor of Finance from Missouri State University.
Senior Manager, Axiom Armored Transport
Tammy is a seasoned professional with extensive experience in cash vault operations. Currently serving as a Senior Manager at Axiom Armored Transport, she oversees cash vault operations across multiple states and locations, ensuring compliance and operational efficiency.
Previously, Tammy worked at the Federal Reserve Bank of San Francisco in cash operations management where she held positions with increasing responsibilities over 18 years.
Senior Consultant, CMS Analytics
Luke joined the operations team at CMS Analytics in 2021 after graduating from The University of Manchester with a First Class BA (Hons) in Economics.
Luke now sits in the commercial team where he works with clients across the US, and specializes in driving macro and microeconomic efficiencies to clients.
Chief Operating Officer, TransFund
Chris heads TransFund’s operations, finance, and global strategic initiatives. With more than 20 years of EFT/ATM and payment processing experience, Chris is recognized as a dynamic leader who explores the business landscape from multiple perspectives, thereby delivering strategy and solutions which best fit the needs of the client and company.
Chris is passionate about accelerating delivery, simplifying integration, and strengthening performance. He shared that “excellence is influenced by a few primary elements – capacity to listen, communicate openly and own what’s in front of you. Find the balance and you’ll always deliver more than expected.”
Chris previously led ATM Services at FIS, engaging with leading 2,000+ small-to-large scale FIs and ISOs on strategy, deployment, and operational support across a 100,000+ ATM network. Prior roles of increasing accountability were held at eFunds, Metavante and M&I Data Services.
SVP, Cash Logistics, Fifth Third
Robert Norman has been in the payments industry for more than 34 years, transcending many payment delivery solutions, from card to check, and most recently joining Fifth Third Bank to manage their Currency Processing Solutions product. For the past 15 years, Robert has led the development of a unique delivery of smart safe and recycling solutions to improve the retailers’ handling of cash receivables. During this time, Fifth Third has been a market-leading provider of cash solutions.
Sponsors of Cash in the USA 2024
Image gallery from Cash in the USA 2023 & 2024
Past attendees from Cash in the USA 2022 & 2023
The Westin Nashville is approximately 9.1 miles away from Nashville International Airport, making it an 11 minute drive away (depending on traffic). You an also catch a train from the airport which will take you into the centre of Nashville, getting you to the Westin in 37 minutes.
The closest train station to the Westin Nashville is the Riverfront station, located just a 17 minute walk away. Regular services run in and out of Nashville, where you can connect to local and inter-state services.
The Westin Nashville offers a valet service of $55+ tax per night, but does not offer self-parking services.
The Westin Nashville provide accommodation, and there are also a wide range of alternative hotels in the vicinity to match different tastes and budgets, including:
The Sheraton Grand Nashville Downtown
DoubleTree by Hilton Hotel Nashville Downtown
Courtyard by Marriott Nashville Downtown
There are many attractions in Nashville or ‘Music City’ that cannot be missed while you’re in town! Located just around the corner from the Westin Nashville are the world famous Country Music Hall of Fame and The Walk of Fame Park. Also in the heart of Nashville you have the historic Ryman Auditorium and the National Museum of African American Music. The Frist Art Museum is also a short walk away – and if you are a true music fan, one of the country’s best honky tonk bars, Robert’s Western World, and The Station Inn, the country’s very best bluegrass club are right in Nashville too.
You can also sample the local cuisine at Arnold’s Country Kitchen, a beloved canteen style restaurant which serves “meat ‘n’ three”, where politicians, celebrities and locals rub shoulders, or the Silver Sands Cafe, where the menu changes daily according to the day of the week. For more upmarket dining, you might want to try Pelican & Pig, Husk, Bastion or Henrietta Red.
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