Lou Towchik has over 38 years of experience in the financial industry in various management roles at multiple financial institutions  including Mellon Bank, PNC Bank and Huntington Bank. In his  most recent role, Towchik managed Treasury Management payables products including ACH, ARP, Commercial Card,  Controlled Disbursement, Positive Pay, Real-Time Payments and Wire Transfer.  Lou joined FISPAN’s Clayton Weir in this episode of If I Ran the Bank to discuss the implications and possibilities of real-time payments, ISO 20022 and moving away from paper checks.