Margaret L. Simmons is President of Electronic Payments Advisory Services. Throughout her career, Marge has been directly involved with the electronic payments industry through participation in many national councils, committees, and work groups. She has been an instructor at NACHA’s Payments Institute, provides training services to regional payments associations, and is a nationally recognized speaker on topics related to all facets of the electronic payments industry. Consulting services offered by her company include training, ACH audits, and expert witness testimony. She has earned the permanent designations of Accredited ACH Professional (AAP) and Certified Cash Manager (CCM).