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© 2016 Jack Henry & Associates, Inc.®© 2017 Jack Henry & Associates, Inc.®

Core Director Fireside Chat – 2017 update

Jack Henry & Associates, Inc.®

© 2017 Jack Henry & Associates, Inc.®

Legal Disclaimer: Dates contained in this document are

provided as estimates only and can be changed at any time

at the sole discretion of Jack Henry & Associates, Inc. This

information may not be incorporated into any contract and

should not be relied upon in making purchasing decisions.


BEC 2016: Record Attendance - 2,170

• CIF 20/20 370

• Core Director 101

• SilverLake 842

• CEO Forum Attendees 116

• Guests 59

• Prospects 20(representing 14 banks)

• Jack Henry Associates 387


National and Regional User Groups (RUGS)

• Core Director Board:

– President: Will Cologna, Guaranty Bank

– Vice President: Brian Moore, The Pataskala Banking Company

Central States Caribbean Bankers Great Plains

Great Lakes Southeastern Western Regional

Upper Midwest Cooperative


Thank You for Your Business |

Welcome!


Your Presentation Team Today

Mark ForbisChief Technology Officer

Ron MosesConsumer & Commercial GM

Stacey ZengelJH Banking President


Presentation Support Team

Kevin SligarSr. Director, Software Eng.

Susan GeissBanking Operations GM

Scott EllisSr. Manager, Technical Support

Clint RaderSr. Manager, Software Eng.


• A LOT of listening

• Visiting with many customers and prospects

• Melding together the JH Banking team and brand

• Enhancing our customer communications

• Working very closely with our sales team

• Analyzing our business

• Planning for the future

• Thinking through how we can be even better

So, what have I been doing?


• Merger & Acquisitions

– Continuing at a steady pace compared to prior years

• In-To-Out transactions continue

– Security, regulations, and technical talent attraction driving outsourcing

• Competition for new business is very keen

– Consultant driven

– Price sensitive

– Term & conditions almost always heavily negotiated

• New business often payments or digitally driven

Banking Brand Environment


• Enhancing our customer communications

– “Fireside Chats”, “Top 10” priority lists, customer visits, daily announcements

• Knocking down the perception of any silos

– Providing an increased JH Banking Brand view to customers

• How can we gain efficiency & improve as a brand?

– Continuous Process Improvement, Blue Hammer

• Sales - Continuing our momentum

– 2013-2016 – 77 customer additions

• Staying Focused on our Top 10 priorities

– Communication - Execution - Accountability

Key Items on My Radar


63%

28%

6%

3%

Asset Ranges

$0 - 200M $200M - $500M $500M - $750M $750M >

74%

26%

Inhouse vs. OutLink

Inhouse OutLink

Core Director


Look For The Signs

= Missed Commitment

= Completed

= In Process

= Date Change by Jack Henry (will also have accompanying reason)


FY2017 Jack Henry Banking Top 10 List


Regulatory changes can impact our top 10.Dates contained in this document can be changed at any time at the sole discretion of Jack Henry & Associates, Inc.

INTEGRATION

INITIATIVES

BLUE

HAMMER

PROGRAM

PAYMENTS

INITIATIVES

CASH

MANAGEMENT

INITIATIVES

PROCESS

IMPROVEMENT

INITIATIVES

ENTERPRISE

RISK

INITIATIVES

PLATFORM

INITIATIVES

1 2 3 4 5

6 7 8 9 10

MOBILE

INITIATIVES

ENTERPRISE

MESSAGING &

ALERTING

INITIATIVES

OUTLINK

INITIATIVES



1MOBILE

INITIATIVES

Banno Mobile• Transfer & Loan Payment Improvements – ✓

• Check Image support – ✓

• Basic eStatements (view only 4|sight only) – TBD

• 3D Touch support of iOS – TBA

Banno People• User activity timeline – ✓

• Reports (User Activity, Product Activity, Money Movement Activity) – ✓



1MOBILE

INITIATIVES

Branch Anywhere• All Cores - Available ✓

• Account Opening - See platform initiatives

• Commercial Cash Management

• ENS Communication - TBA

goDough• User Interface enhancements (goDough 4.X) – 4/30/2017

• Password expiration prompt & end initiated password change – ✓



PAYMENTS

INITIATIVES

2EMV

• Rollout continues - Available ✓

Fraud Concierge Services• Beginning to work with clients on proactive fraud strategies – ✓

• Beta client engagements underway – ✓

Faster P2P Settlement• Ability to receive money on Visa debit card vs checking acct. ✓

• 3rd Party Provider Evaluation – ✓

• Add P2P recipient with Mobile phone and send SMS messages through ENS – Beta

April 2017

Full Bill Detail (iPay)• Complements existing ‘summary info’ ✓

• 19 Payees available today ✓

• Enable eBill Detail for 80% of eBill activity – 4/1/2017



PAYMENTS

INITIATIVES

2EPS New Biller Direct Solution - SmartPay Biller Direct

• Convenient electronic bill presentment and payment (EBPP) solution – ✓

• Allows businesses to:

Store, view and deliver invoice information to their customers

Facilitate online collection of amounts due

Export payment data files.

Cardholder Awards and Campaigns• Working to completely revamp our approach to driving increased card users and

transactions – Q2 CY 2017

• Finalizing Vendor decision – 1/31/2017


Digital Wallets• ApplePay-JHA has 12.5% of entire issuer market - Available ✓

• BETAs in process for Samsung-Android Pay -10/30/16 ✓


CASH

MANAGEMENT

INITIATIVES

3Commercial Cash Management

• SilverLake Available ✓

Treasury Management• SilverLake – 3/31/17



ENTERPRISE

RISK

INITIATIVES

4Fraud Management System Conversion to Falcon

• Parallel scoring since Oct 2015

• Early adopters in May 2016; full conversion in June 2016

Enterprise Risk Mitigation Solutions


* Dates are for SilverLake

availability. CIF 20/20 & Core

Director availability dates TBA.

Cardholder Alerts and Controls• Working with outside vendors and JHA mobile on solution - 06/30/17

• AML Module – 6/30/17

• Fraud Module – 12/31/17

• Card Services Module – 12/31/17

• eFraud Module – 12/31/17

• CTR Module – 12/31/17


PLATFORM

INITIATIVES

5OnBoard Deposits

• Core Director availability – 12/30/17

• Expose Account Origination Business Services – 03/31/17

• Expere (WKFS) Integration – 12/30/17

OnBoard Loans• Core Director availability – 06/30/17

• Expose Account Origination Business Services – 3/31/17

• Expere (WKFS) Integration – 12/30/17



BLUE

HAMMER

PROGRAM

6Product

• Banking Core strategy – 1/20/2017 ✓

• Customization Review - ✓

• Product Functionality Phase I (Top 10 application enhancements) – 12/31/16 ✓

• Product Functionality Phase II (Roadmap for enhancements) – 3/31/17

• Product Functionality Phase III (Development) – 12/31/18

• Xperience Technologies Rollout

Services • Customer Program Management - ✓

• Implementation Project Management consolidation – ✓

• Improved Incident Notification (Internal) - 12/31/16

• Improved Downtime Coordination– 10/30/2016 ✓

• Improved Incident Notification (Customers) - TBD

• Service Level Standards support in jSource – 03/31/17



BLUE

HAMMER

PROGRAM

6Sales

• Product demonstration enhancements – 12/15/16✓

• Sales tools automation* – 12/15/16✓

• Continuing Education Curriculum* - 12/15/16✓

• Prospecting and nurturing campaign* - 12/15/16✓

Marketing • SI Planning – 05/30Z/2017✓

• Internal Initiative Visibility ✓

• JHA Banking Marketing Plan✓

• BEC Planning – 11/30/2017

Legal • CWR standardization –

• Contract Modernization - Phase I

• Phase II – 12/31/16

• Phase III (OutLink Repricing) - 2/1/2017


*Complement to Blue

Hammer Program


ENTERPRISE

NOTIFICATION

SYSTEM (ENS)

7Enterprise Framework - Available ✓

Framework Adoption with e-mail support • 4|sight support - ✓

• Treasury Management – 6/30/2017

• Commercial Cash Management – 3/31/17

• CPS OTP Services – 6/30/17

• Synapsys – 6/30/17

• Other Products – TBA

Framework Adoption with text support • iPay - Beta target 2/28/2017

• CPS OTP Services – 6/30/17

• Synapsys – 6/30/17

• goDough, Banno, NetTeller – TBD

• Other Products- TBA



INTEGRATION

INITIATIVES

8Enterprise Integration Competency Center

• Organizational unit for governing application integration

• Serves as discovery and scoping efforts for JHA’s integration activities

• JHA Management submitted & reviewed by EICC Committee

• Once approved, committed to development backlog


• All Cores: Same Day ACH

• All Cores: Financial Performance Suite

• All Cores: RDA Integration – Q2/2017

• Teller Capture/Thin Client Support – 12/31/2017

• OnBoard/NetTeller Integration for Opening Accounts


INTEGRATION

INITIATIVES

8Commercial Lending Center

• Contact & Account Information into CLC – 4/12/17

• Export Function with CLC - 12/15/2016

• Import Function with CLC - 12/15/2016

Cadence• Administer secured lines of credit, asset-based lending, and other forms of

commercial finance on a single platform – 3/31/17

• CLC to CLMS Integration – 7/31/17

• CLMS to become provider on jXchange – 11/15/17



OUTLINK

INITIATIVES

9

OutLink Communication Strategy• Improved Critical Incident Notification (Internal) – 12/31/2016

• Improved Critical Incident Notification (Customer) – TBD

• ENS Automated Incident & Operations Notification (Internal) – 12/31/16



PROCESS

IMPROVEMENT

INITIATIVES

10

X9 Capture (item processing centers)• 08/31/2016 ✓

support cases• 09/30/2016


Automated Memo Post• TBD



Block Chain• Just completed our proof of concept using MultiChain

• Simulated moving money from person A to person B through 4 Fis

• Primary concerns to date – speed, lack of standards and regulation

• Technology is likely some years away

Faster Payments ‘Hub’• Integration to allow transactions to settle outside of standard methods (ACH/Card

rails)

• Less expensive/faster transactions.

• Banking Core Use Case – 12/31/2017

Credit Card Processing• Analysis continues

FUTURE

CONSIDERATIONS

FUTURE

CONSIDERATIONS


FUTURE

CONSIDERATIONS


CECL• “Current Expected Credit Loss Model”

• New methodology: recognize expected lifetime losses at origination

• New product - CECL Datastore and Validation underway – ✓

• New product - CECL Analysis and Reporting underway – Oct/Nov 2017


Top 10 updates will be provided quarterly

to your CRM and Sales Executive


Submit your Questions now

through WebEx.


• Clint Rader – [email protected]

• Joel Thomas – [email protected]

• Kevin Sligar – [email protected]

• Mark Forbis – [email protected]

• Ron Moses – [email protected]

• Scott Ellis – [email protected]

• Stacey Zengel – [email protected]

• Susan Geiss – [email protected]

Contact Information

mailto:[email protected]








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