ACH

December 2017

Bank Secrecy Act - ACH and Wire, Know Your Responsibilities

Tue
5
2017
December 5, 2017
1:00-2:00PM

Webinar

OFAC Compliance for Wires & ACH

Wed
6
2017
December 6, 2017
3:00-4:00PM

Webinar

Faster Payments: Findings, Education & Looking Ahead

Tue
19
2017
December 19, 2017
12:30-2:00PM

Webinar

Federal Government Payments

Wed
20
2017
December 20, 2017
3:00-4:00PM

Webinar

January 2018

2018 NACHA Operating Rules: An Update on Changes Ahead

Thu
4
2018
January 4, 2018
12:30-2:00PM

Webinar

Everything You Need to Know About Real-Time Payments

Tue
16
2018
January 16, 2018
11:30AM-1:00PM

Webinar

None at this time.

Account Takeover for the RDFI

On-Demand - AAP Credits 1.2

This lecture course defines unique RDFI impacts of Account Takeover and Network Intrusion, including how to identify a Money Mule, RDFI compliance obligations for identifying and handling suspect transactions related to the new ACH Rule, BSA, and CIP and provides helpful tips for Incident Response.



Price:     

ACH 101

On-Demand - AAP Credits 1.0

This interactive course provides an excellent base of knowledge of those new to ACH. ACH 101 introduces the learner to the ACH Network, the participants, the different ACH applications, rules and regulations and more!



Price:     

ACH Audit for ODFI's

On-Demand - AAP Credits 1.2

This session focuses on ACH Rule audit requirements specific to the origination of ACH transactions. Each audit point is thoroughly reviewed, with emphasis placed on areas that represent potentially higher risk to the ODFI. Key guidelines for ensuring Originator compliance with ACH Operating Rules are also shared. Attendance of "ACH Audit for RDFIs" is strongly recommended as well.



Price:     

ACH Audit for RDFI's

On-Demand - AAP Credits 1.6

The review of compliance with ACH audit requirements has been identified as a key priority for examiners under guidelines published by the Federal Financial Institutions Examination Council. This session thoroughly reviews each RDFI audit point, providing specific information on how to properly test for compliance, and suggest “sound practices” to be incorporated into existing policies and procedures.



Price:     

ACH Bits N Bytes (Part 1 of 2)

On-Demand - AAP Credits 1.8

This two-part series is designed to give you the technical understanding needed to confidently review ACH files. Covered in this class will be such topics as file layouts, field definitions and requirements, data acceptance specifications and more. This seminar is essential for anyone supporting ACH services or wanting greater ACH expertise.



Price:     

ACH Bits N Bytes (Part 2 of 2)

On-Demand - AAP Credits 1.8

This two-part series is designed to give you the technical understanding needed to confidently review ACH files. Covered in this class will be such topics as file layouts, field definitions and requirements, data acceptance specifications and more. This seminar is essential for anyone supporting ACH services or wanting greater ACH expertise.



Price:     

ACH Customer Service

On-Demand

This session provides an overview of the ACH network from a customer service point of view, including defining the participants and explaining the transaction flow, consumer's rights and how these transactions differ from corporate and government transactions.



Price:     

ACH Exception Item Handling

On-Demand - AAP Credits 1.2

ACH Exception Item Processing can be confusing and it is important to understand the various processes surrounding ACH Rules. Non-compliance with the rules may lead to rules violations and customer dissatisfaction. This session will cover issues such as Reclamations, Return items and NOCs. We will share tips and ideas other members have used to limit their liability and make their Operations more successful. Let us help increase your knowledge by attending this webcast.



Price:     

ACH Operating Rules (Part 1 of 2)

On-Demand - AAP Credits 1.8

The ACH Operating Rules series is a two-part webcast designed to provide attendees with an in-depth look at the ACH rules, section by section. This program is targeted for those not familiar with the rule book, or those who need to have a better understanding of how to use the rule book as a reference.



Price:     

ACH Operating Rules (Part 2 of 2)

On-Demand - AAP Credits 1.8

The ACH Operating Rules series is a two-part webcast designed to provide attendees with an in-depth look at the ACH rules, section by section. This program is targeted for those not familiar with the rule book, or those who need to have a better understanding of how to use the rule book as a reference.



Price:     

ACH Origination Agreements

On-Demand - AAP Credits 1.4

Electronic payments continue to thrive, and as a result, more legal issues have arisen. We are all working on better ways to manage risk but how are we communicating that to our origination customers? If you do not put your expectations in writing, they will not hold up in a court of law. You must take the necessary steps to cover yourself from liability. This session helps you understand what must be in your agreements and helps you apply sound practices with your customers.



Price:     

ACH Policies & Procedures (Part 1 of 2)

On-Demand - AAP Credits 1.2

In today's environment of rapidly evolving financial regulations, keeping current with ACH-related requirements can be a challenge. Regulators at both state and federal levels require Board-approved policies to define the scope, strategy, and risk tolerance of an organization's ACH service. Good procedures can reduce your exposure to Operating Risk. This two-part ACH Policies & Procedures webcast series will put you on the path to developing your own policies and procedures documents.



Price:     

ACH Policies & Procedures (Part 2 of 2)

On-Demand - AAP Credits 1.2

In today's environment of rapidly evolving financial regulations, keeping current with ACH-related requirements can be a challenge. Regulators at both state and federal levels require Board-approved policies to define the scope, strategy, and risk tolerance of an organization's ACH service. Good procedures can reduce your exposure to Operating Risk. This two-part ACH Policies & Procedures webcast series will put you on the path to developing your own policies and procedures documents.



Price:     

ACH Risk for Cash Management

On-Demand - AAP Credits 1.2

Does your cash or product management personnel know all they need to know about the ACH services they are selling? Are they aware of upcoming rules changes affecting your corporate Originators? Do they know how to keep your customers informed of the rules affecting you as an ODFI? Attend this informative webcast and arm your cash and product management staff with the proper ACH knowledge to protect your institution from loss, while helping them understand the products and services you offer.



Price:     

ACH Risk for ODFIs

On-Demand - AAP Credits 1.2

Being an ODFI can be risky if you do not have the right tools.  Financial institutions of all sizes need to manage risk to minimize potential losses.  Rapid growth, new and evolving products and consumer transfer applications are prevalent ACH trends representing increased risk for ODFIs.  The ACH Rules require every financial institution to perform an ACH Risk Assessment.  This webcast will cover risks associated with being an ODFI, as well as steps to mitigate these risks.



Price:     

ACH Risk for RDFIs

On-Demand - AAP Credits 1.2

RDFIs of all sizes need to be aware of their ACH risk factors.  The ACH Rules require every financial institution to perform a Risk Assessment related to their activities within the ACH Network.  Proper processing of return items, timely posting of ACH transactions and the exceptions related to Federal Government transactions are just a few of the risks faced by RDFIs.  This webcast will cover risks associated with processing transactions from the RDFI side as well as how to mitigate these risks.



Price:     

ACH Risk Management for Lenders

On-Demand - AAP Credits 1.2

Lending/credit review departments are an integral part of ACH origination risk management. This session will explain why lending and credit officers need to be involved in ACH origination risk management; describe the lender's role in a successful ACH Risk Management Program; outline ACH risk exposure; and analyze sample Originator review practices.



Price:     

ACH Risk Management: Community Bank Board

On-Demand - AAP Credits 1.2

Federal and state regulators require bank boards to be involved in the oversight of ACH Risk Management. This session, specifically developed for community bank board members, explains why it is critical for the bank board to be involved in a financial institution's ACH Risk Management Program. Attendees will define the risks associated with ACH origination while identifying the Network's governing rules and regulations, then outline board member responsibilities related to the institution's ACH Risk Management Program as required by regulators.



Price:     

ACH Rules Update 2017

On-Demand - AAP Credits 1.0

Same Day ACH, Unauthorized Return fees and more. Understand the future of the payments industry by attending this session where we will cover the most recent ACH Rules amendments and other important issues impacting the industry. Learn how to avoid unnecessary rules violations, customer dissatisfaction and financial losses because of non-compliance. A basic level of ACH knowledge is recommended.



Price:     

ACH Security Framework

On-Demand - AAP Credits 1.2

In 2013 NACHA implemented the ACH Security Framework designed to protect the security and integrity of certain ACH data throughout its lifecycle.  It establishes minimum data security obligations for ACH, all Network participants and requires each participating Depository Financial Institution, Third Party Sender, and Third Party Provider to verify they are compliant in their annual ACH Rules Audit.  This session discusses sound practices to consider in helping your institution comply.



Price:     

ACH Security Framework for Originators

On-Demand

NACHA's ACH Security Framework Rule imposes greater expectations of data security on business ACH Originators. So, how do you educate your Originators on their new requirements? This short, on-demand course provides business ACH Originators with a basic overview of their obligations under the ACH Security Framework Rule in a easy-to-understand manner. Actionable guidance to meet those expectations and valuable resources are included. Every business originating ACH transactions will benefit from this course's fundamental overview of the new ACH Rule requirement, useful tips for compliance and related resources. This course is free to SFE members.



Price:     

ACH Stop Payments - Consumer Accounts

On-Demand - AAP Credits 1.0

This interactive course is designed for the new operations professional or anyone who needs to know more about properly handling ACH stop payments related to consumer accounts. Learn the ACH Rules and Regulation E requirements for handling consumer ACH stop payments, including return codes and associated timeframes, and operational compliance responsibilities.



Price:     

ACH Third-Party Risk

On-Demand - AAP Credits 1.2

Third-Party Processors, Third-Party Senders, and Direct Access each represent a different relationship that may exist between a financial institution and different organizations.  All of these relationships create its own unique risk.  This webcast will help you identify which role your organization and any of the third parties you do business with fall into, and provide you with ways to mitigate your risk.



Price:     

An Intro to ACH Security: Operations Perspective

On-Demand - AAP Credits 1.0

This session provides Operations staff with a basic understanding of regulatory expectations and requirements related to ACH security. Determine how Operations staff can enhance account security using a variety of methods and review sound practice considerations to limit liability, maintain compliance with security requirements and strengthen an ACH security program.



Price:     

Basics of ACH Origination for Credit Unions

On-Demand - AAP Credits 1.0

This session analyzes first steps for credits unions who have decided to begin offering ACH Origination services. Whether you only want to offer Direct Deposit via ACH (i.e. payroll) to your own employees, initiate debits to collect your own loan payments from another financial institution, or originate ACH debits or credits for one of your SEGs, this course helps you get started. Designed to let you select the services you plan to offer and only learn more about those specific applications, attendees will review necessary agreements and authorizations, processing schedules and more.



Price:     

Compliance Beyond the ACH Rules

On-Demand - AAP Credits 1.2

Complying with the ACH Rules involves more than just studying the ACH Rulebook. This session discusses the related rules and regulations for a comprehensive ACH compliance program, including handling international ACH transactions, reclamations, required disclosures, and the differences between the ACH Rules and Reg. E.



Price:     

Consumer Unauthorized ACH Transactions

On-Demand - AAP Credits 1.0

This session is designed for frontline and operations payments professionals looking to better understand financial institution options and obligations related to handling consumer ACH disputes as defined by the ACH Rules. This course will help you define appropriate frontline and operations staff actions for properly handling consumer ACH transaction disputes, examine related ACH Rules requirements and review the most common consumer ACH unauthorized return reasons and their associated timeframes.



Price:     

Corporate Account Takeover

On-Demand - AAP Credits 1.0

Risks to the payments network are ever-changing. Cyber-thieves are becoming increasingly sophisticated at exploiting vulnerabilities in corporate systems in order to commit fraud. In 2010, NACHA issued a policy statement addressing the importance of ODFIs utilizing sound business practices to prevent and mitigate risk of Corporate Account Takeover within the ACH Network. Join us and let us provide you with tools to help protect you and your corporate customers against these threats.



Price:     

Credit History Fraud

On-Demand - AAP Credits 1.2

This course defines credit history fraud, provides examples of how criminals obtain documentation to commit this form of fraud and outlines mitigation techniques for use by financial institutions to thwart credit history fraud.



Price:     

eCheck Applications

On-Demand - AAP Credits 1.1

This webcast is a comprehensive overview of the ACH rules governing check conversion. We will discuss each participant's rights, responsibilities and obligations. We will also discuss operational procedures, return options and how you can explain these items to consumers. In addition, we will discuss the ODFI/Originator requirements specific to the various check conversion options and check conversions' distinguishing characteristics from Remote Deposit Capture.



Price:     

Electronic Data Interchange

On-Demand - AAP Credits 1.0

This session highlights the characteristics and purpose of Electronic Data Interchange (EDI) and financial EDI using real-world examples. Define EDI terminology, become familiar with the various ANSI ASC X12 transaction sets and learn how to differentiate between a transaction set, data segment and data element. An overview of the RDFI ACH Rules requirement for providing payment-related information to account holders is also included.



Price:     

Essentials of ACH

On-Demand - AAP Credits 1.4

This webcast focuses on the essentials of ACH, including a brief history of the Network and defining the parties of ACH transactions.  We will also discuss the transaction flow and settlement process. In addition, we will cover many aspects of exception item processing, including stop payments vs. authorization revoked and unauthorized debits. This is a basic overview of ACH and is intended for individuals new to ACH operations, front line staff and individuals wanting to learn more about ACH.



Price:     

Essentials of Regulation E

On-Demand - AAP Credits 1.2

Federal Regulation E sets forth the requirements of the Electronic Funds Transfer Act (EFTA). This webcast will discuss the impact of the regulation for the financial industry as it relates to consumer rights. We will cover your financial institution's obligation to investigate consumer disputes and other topics to help you comply with Federal Regulation E.



Price:     

Federal Government Payments

On-Demand - AAP Credits 1.0

This session discusses the processing of Federal Government ACH payments. Understanding the fundamental differences of Federal Government Payments will impact a financial institution’s ACH operations and assist in preventing unnecessary losses. This session will cover important topics such as automated enrollment (ENR), paper and paperless enrollments, notifications of change (NOC), death notification entries (DNE), return items and most importantly, reclamations.

 



Price:     

Federal Government Reclamations

On-Demand - AAP Credits 0.6

The Federal Government uses Reclamations to recover benefit payments made via ACH to an account of a recipient who died or who has become legally incapacitated. Timing and accuracy are crucial when dealing with this sensitive process. Under 31 CFR 210, your Fed accounts may be debited the full amount of Reclamations if proper procedures are not followed, but a few simple procedures can dramatically reduce your financial institution's liability.



Price:     

Healthcare Payments

On-Demand - AAP Credits 1.0

The Department of Health and Human Services issued the interim final rule on Healthcare EFT & ERA Operating Rules. Be aware of this recent legislation impacting the healthcare industry. Hear how to best prepare your staff to provide answers to customers. Learn how to leverage the emerging client market. Take advantage of this educational event as knowledge experts review the impact of the Healthcare EFT & ERA Operating Rules.



Price:     

Implementing an ACH Security Framework

On-Demand - AAP Credits 1.2

This session evaluates the impacts of the ACH Security Framework Rule which is aimed to protect the security and integrity of ACH data. Review the ACH Security Framework Rule requirements and gather actionable guidance and resources to confirm your organization's compliance. Overview how the Rule impacts daily ACH operations, agreements and due diligence, and determine how the new minimum data security obligations impact all Network participants.



Price:     

International ACH Transactions

On-Demand - AAP Credits 1.0

This session defines an International ACH Transaction (IAT), explains the active participants and flow of an inbound and outbound IAT while identifying unique IAT formatting requirements. An overview of ODFI and RDFI responsibilities related to IAT processing as defined by the ACH Rules is also included.



Price:     

International Payments & IAT

On-Demand - AAP Credits 1.8

This 90-minute session will provide an introduction to International Payments with special emphasis on the ACH standard entry class code IAT (International ACH Transaction), which went into effect on September 18, 2010.  IAT is the single biggest Rules change in the history of NACHA.  Participants in this class will get a high level overview of IAT with discussion about how it has impacted every financial institution in the United States.



Price:     

International Remittance Transfers (1073) Rule

On-Demand - AAP Credits 1.0

This session overviews the most recent International Transfers (1073) Final Rule and prescribed financial institution requirements related to disclosures, the right to cancel and error resolution. Detail the Final Rule's impact on policies and procedures while determining how to effectively prepare for implementation and compliance.



Price:     

Key Elements in an ACH Risk Management Program

On-Demand - AAP Credits 1.2

This session will examine components of an ODFI risk assessment while highlighting some less-than-obvious considerations. Have you really thought of everything from the ODFI perspective? Have you considered every area-from systems to vendors, compliance to legal, and operations to credit? Reviewed third-party processors and senders? This session enables you to answer such questions as: Did I consider that in our risk assessment? Should I revisit our existing assessment? Am I really prepared to share this with our audit group? What about the regulators?



Price:     

NACHA Adjustment Entries vs. Regulation E

On-Demand

Both NACHA Rules and Regulation E detail procedures for resolving situations involving “unauthorized” consumer transactions, but the procedures, time frames, and financial institution obligations are significantly different. This session explains the key differences and suggests operational procedures and best practices.



Price:     

New NACHA Return Rules - Risk Enforcement & Quality

On-Demand - AAP Credits 1.8

NACHA recently passed two Rules amendments. The first lowers existing return rate thresholds, establishes return rate levels for "administrative returns" and an overall return rate level. The second creates an Unauthorized Entry Fee which establishes fees paid by the ODFI to the RDFI. These rules will impact every participate in the ACH network.



Price:     

Payment Systems Rules & Regulations: ACH

On-Demand - AAP Credits 1.0

This session provides a basic high-level overview of 13 Rules and Regulations that govern the ACH Network to help reduce operational risk and financial loss resulting from noncompliance. Ideal for anyone new to the ACH Network or those preparing for the AAP Exam, attendees will identify the Network's governing Rules and Regulations, determine how they impact ACH transactions and be able to apply them to real-life situations.



Price:     

Prerequisites of ACH Origination for Credit Unions

On-Demand - AAP Credits 1.0

This session is designed to assist any credit union, large or small, in evaluating the first steps of becoming an ODFI, including topics to address before making the decision to offer ACH Origination services. Chapters of this self-paced exercise outline the key benefits of ACH Origination to help you determine if ACH origination is an appropriate offering for your credit union. We will summarize associated risks and mitigation techniques, review applicable rules and regulations, staff considerations and technologies needed.



Price:     

RDFI Returns

On-Demand - AAP Credits 1.0

This session evaluates RDFI processing options particularly related to non-post ACH entries. Evaluate RDFI rights as defined by the ACH Rules for handling non-post ACH entries, determine how to appropriately respond to ACH exceptions in a timely manner to limit liability, and potential for loss and define the proper use of 2-day ACH return reason codes.



Price:     

Recalls, Reversals & Rejects

On-Demand - AAP Credits 0.7

Do you understand the difference between a Reversal and a Recall? How about the difference between a Return and a Reject? When can a Recall be done as opposed to a Reversal? Does your operations staff know the answers to these questions? Join us for this webcast and let us clarify the differences between Recalls, Returns, Reversals and Rejects, as well as the rules and risk around how each exception should be handled.



Price:     

Regulation E & Friends (Part 1 of 3)

On-Demand - AAP Credits 1.2

This three-part webcast series will highlight the rules and regulations that govern the electronic payments. These regulations provide the legal framework for all financial institutions, and provide protection for consumers from erroneous entries as well as establishing specific requirements for the financial industry. Join us for this three-part series of regulatory instruction and walk away with the knowledge you need to ensure you're in compliance.



Price:     

Regulation E & Friends (Part 2 of 3)

On-Demand - AAP Credits 1.2

This three-part webcast series will highlight the rules and regulations that govern the electronic payments.  These regulations provide the legal framework for all financial institutions, and provide protection for consumers from erroneous entries as well as establishing specific requirements for the financial industry.  Join us for this three-part series of regulatory instruction and walk away with the knowledge you need to ensure you're in compliance.



Price:     

Regulation E & Friends (Part 3 of 3)

On-Demand - AAP Credits 1.2

This three-part webcast series will highlight the rules and regulations that govern the electronic payments.  These regulations provide the legal framework for all financial institutions, and provide protection for consumers from erroneous entries as well as establishing specific requirements for the financial industry.  Join us for this three-part series of regulatory instruction and walk away with the knowledge you need to ensure you're in compliance.



Price:     

Regulation E Subpart A - Disclosures & Notices

On-Demand - AAP Credits 1.0

This session defines financial institution requirements related to disclosures, notices and receipts as dictated by Regulation E Subpart A. Better understand what your institution must include in both general and initial disclosures, as well as changes in service, error resolution notices and ATM disclosures. Then identify Regulation E Subpart A receipt and periodic statement requirements to ensure your institution's compliance.



Price:     

Regulation E Subpart A - Fundamentals

On-Demand - AAP Credits 1.0

This session is defined for financial institution staff needing a basic introduction into the fundamentals of Regulation E Subpart A (Subpart B is covered in a separate course). Review the history of Regulation E, including its purpose and types of transactions it governs, determine disclosure and notice requirements specified by Regulation E Subpart A and identify related financial institution responsibilities and liabilities.



Price:     

Regulation E Subpart A - Investigations

On-Demand - AAP Credits 1.0

This session reviews recommended Regulation E investigation procedures for financial institution staff to employ once an error is identified, including how to calculate account holder and financial institution liabilities. Determine what constitutes an error under Regulation E and outline the associated error resolution process to appropriately handle the situation.



Price:     

Regulation GG Requirements & Compliance

On-Demand - AAP Credits 1.0

This session reviews the history and purpose behind the enactment of Regulation GG which implemented the Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006. Identify the types of transactions governed by Regulation GG and review fundamental financial institution obligations and responsibilities, including policies and procedures that will reasonably identify and block restricted gambling transactions.



Price:     

Rules Enforcement Process

On-Demand - AAP Credits 1.2

Do you keep sending NOCs without getting any results? Are you fed up and want to do something about it? We all want to play nice in the network, but sometimes we have to get NACHA involved. Appendix 10 in the NACHA Operating Rules addresses rules violations and enforcement. This webcast will define the criteria under which a rules enforcement proceeding may be initiated and how to file a report. The NACHA Arbitration Rules and Compensation requirements will also be discussed.



Price:     

So You Think you Want to be an AAP?

On-Demand - AAP Credits 1.0

The AAP certification is universally recognized by regulators and examiners alike as the industry's gold standard for payments education. Rules, regulations and the risk environment are constantly changing, and AAPs are trained and prepared to meet those challenges head on. Learn how you can join such an elite group renowned for ACH excellence. This free 20-minute recorded session will outline what it means to be an AAP, including steps to attain the accreditation. This course is free to SFE members.



Price:     

Stop Payments vs. Authorization Revoked

On-Demand - AAP Credits 0.6

There is always confusion as to when we use a stop payment or authorization revoked. Are you aware of the rules related to authorization revoked? This webcast will go into detail around the differences between stop payments and revoked authorizations, and when they are to be used. We will also take a look at unauthorized returns, when to use them, what the rules say, and how they differ between consumers and our corporate customers.



Price:     

Tax Return Exception Processing

On-Demand - AAP Credits 0.6

With so many tax returns posting to consumer accounts in the next few months, you can expect an increase in exception items. Several factors need to be considered before posting a transaction that has been rejected. The safest course of action is to return the item. However, this is not necessarily the level of service many consumers have come to expect. This webcast will cover the essential issues you need to know, including the RDFIs rights and responsibilities for these exceptions.



Price:     

Understanding eCheck Requirements & Warranties

On-Demand - AAP Credits 1.0

This webcast is a comprehensive overview of the ACH rules governing check conversion. We will discuss each participant's rights, responsibilities and obligations. We will also discuss operational procedures, return options and how you can explain these items to consumers. In addition, we will discuss the ODFI/Originator requirements specific to the various check conversion options and check conversions' distinguishing characteristics from Remote Deposit Capture.



Price:     

Understanding the Green Book

On-Demand - AAP Credits 1.2

This session provides a high-level overview of the Green Book, explains its purpose, how it differs from the ACH Rules and how it affects ACH payments processing. 



Price: