ACH

October 2023

Top Ten Audit Findings: ACH, Wire and RDC

Wed
4
2023
October 4, 2023
9:00AM - 10:30AM

Virtual Education

The Art of Setting ACH Exposure Limits

Thu
5
2023
October 5, 2023
1:00PM - 2:30PM

FFIEC Guidance and Account Takeover

Thu
12
2023
October 12, 2023
3:00PM - 4:00PM

End User Payments Fraud Symposium

Mon
16
2023
October 16, 2023
8:30AM - 4:00PM

Full Day Virtual Symposium

ACH Fundamentals Fall Virtual Workshop

Tue
17
2023
October 17 (9:00AM) - 18 (10:30AM), 2023

2 Part Virtual Education

Stop Payments and WSUDs: Help is on the Way!

Tue
24
2023
October 24, 2023
1:00PM - 2:30PM

BSA Travel Rule, SARs and CTRs

Wed
25
2023
October 25, 2023
3:00PM - 4:00PM

November 2023

Elder Financial Exploitation Forum

Wed
1
2023
November 1, 2023
11:00AM - 2:00PM

Virtual Workshop

Regulation E and Instant Disputes

Tue
7
2023
November 7, 2023
10:00AM - 11:00AM

Virtual Webinar

Instant OFAC Checks, Are they Required?

Wed
8
2023
November 8, 2023
10:00AM - 11:00AM

Virtual Webinar

Faster Payments Risk

Wed
8
2023
November 8, 2023
3:00PM - 4:30PM

Say Cheese! Capturing Mobile Check Deposits

Thu
9
2023
November 9, 2023
1:00PM - 2:30PM

Third-Party Risk Management

Wed
15
2023
November 15, 2023
10:30AM - 12:00PM

SFE Virtual Training Event

December 2023

Return to Sender - Selecting Relevant Return Reason Codes

Thu
7
2023
December 7, 2023
1:00PM - 2:30PM

October 2023

Wed
4
2023
October 4, 2023
9:00AM - 10:30AM

Top Ten Audit Findings: ACH, Wire and RDC

Virtual Education

Mon
16
2023
October 16, 2023
8:30AM - 4:00PM

End User Payments Fraud Symposium

Full Day Virtual Symposium

Tue
17
2023
October 17 (9:00AM) - 18 (10:30AM), 2023

ACH Fundamentals Fall Virtual Workshop

2 Part Virtual Education

November 2023

Tue
7
2023
November 7, 2023
10:00AM - 11:00AM

Regulation E and Instant Disputes

Virtual Webinar

Wed
8
2023
November 8, 2023
10:00AM - 11:00AM

Instant OFAC Checks, Are they Required?

Virtual Webinar

Wed
15
2023
November 15, 2023
10:30AM - 12:00PM

Third-Party Risk Management

SFE Virtual Training Event

ACH Basics (3 Part Series)

On-Demand - AAP Credits 1.2 Each Session

This three-part series focuses on the basics of ACH including the history of the network, defining parties to ACH transactions, their roles and responsibilities, the transaction flow and settlement process. We will cover all aspects of exception item processing, including options for handling unauthorized transactions, stop payments and revoked authorizations. This is a basic overview of ACH and intended for individuals new to ACH operations, front line staff, treasury sales personnel, and those in similar roles.



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ACH Bits N Bytes (2 Part Series)

On-Demand - AAP Credits 1.2 Each Session

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.



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ACH Exception Processing

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.



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ACH Fundamentals - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

Consistent training in electronic payments is critical to the success of any organization. The ACH Network is still one of the most important payment systems utilized today by consumers, corporates, and the U.S. Government. This session provides an overview of the ACH network including defining the participants, explaining the transaction flow, and reviewing common exceptions. An overview of day-to-day ACH processing including corresponding rules and regulations will be presented to ensure a clear understanding of ACH problem resolution. Whether you are new to ACH or a seasoned payments professional needing a refresher course, this session is for you. This session is presented two times - Spring and Fall timeframe and is also a good review for seasoned ACH staff.

Who Should Attend?  Anyone who has works directly with ACH payments such as:  Branch Managers, Customer/Member Services, Bookkeepers, Platform Employees, Tellers, Loan Personnel, Beginning Operations, and Personal Bankers

Publications:

3.6 AAP/APRP Continuing Education Credits



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Tax Refund Exceptions

On-Demand – 1.5 hours - AAP/APRP Credits 1.8

During tax filing season, many questions arise related to the posting or return of tax refund payments. Tax scams tend to rise during tax season. We will provide updates on Rules and Regulations surrounding the handling of tax refund exceptions, RDFI warranties and liabilities and tax fraud update. If you need better understanding on how to handle these payments and ways to combat the tax scams, this training is for you!

1.8 AAP/APRP Continuing Education Credits



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ACH Operating Rules (2 Part Series)

On-Demand - AAP Credits 1.8 Each Session

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.



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ACH Policies & Procedures (2 Part Series)

On-Demand - AAP Credits 1.2 Each Session

This two-part webinar will show how to develop your own policies and procedures documents. With 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.



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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.



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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.



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ACH Risk for Treasury Sales

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.

(Formerly ACH Risk for Cash Management Sales)



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ACH 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. This payments tip 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.



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Balancing Risk & Reward for ODFIs - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

Did you know that the ODFI takes on all the warranties and responsibilities for each and every ACH Entry they transmit into the network? What does this mean? This workshop will navigate you through the ACH Network specifically helping you understand the risks of origination and what processes need to be implemented to help mitigate these risks. Understanding and managing these risks appropriately will help protect your financial institution from being subject to the Rules Enforcement process.

3.6 AAP/APRP Continuing Education Credits



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Elder Abuse: Exploitation and Fraud Prevention - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

Senior Program Analysts from the Consumer Financial Protection Bureau’s (CFPB’s) Office for Older Americans will present details of common fraud and scams that target older adults, discuss ways to recognize red flags of elder financial exploitation, and share free resources for consumers and financial institutions. Presenters will also explore how payments professionals are working with fraud networks and examine an elder fraud case study involving collaboration with payments professionals. Operations, Customer/Member Service, BSA/Compliance, and Fraud/Risk Management staff will benefit from this two-part informational webinar.

3.6 AAP/APRP Continuing Education Credits



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Faster Payments Risk

On-Demand - AAP Credits 1.2

Although they move us forward when it comes to speed, Faster Payments can also mean faster fraud. As you determine your strategy, you must also address risk management aspects in your Risk Assessment. This session will discuss some of the various risks associated with Faster Payments.



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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.

 



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FedNow 2-Part Series

On-Demand - AAP/APRP Credits 2.4

Part 1 – Get to Know FedNow, Now

Ready to learn about the Federal Reserve's FedNow faster, instant, real-time payment channel/ system coming to the U.S.?

FedNow has the potential to forever change how payments process and flow in the U.S., but yet there are so many questions when it comes to FedNow!  What is it, what’s in it for me and more, but just where are the answers?

Join the Payments Professor to answer the questions everyone is asking about FedNow. 

What is FedNow?

Who can and how will they access FedNow?

Why now and when will it be available?

What features and functionality will be included?

What does this mean to other faster payment options?

When will it be available?

Part 2 – FedNow Prepare Now

What can I do now to prepare for FedNow? Start by learning about the different participation types that will be available, what use cases you will want to support, how settlement will work, what the reconciliation process will be like, including the reports available. Then get an understanding of the participant availability requirements and other issues that impact the technical side of offering an always on, always available instant payment system. Then make sure you know the fraud controls and data security requirements. Where can you learn all of this? In this one-hour session with the Payments Professor.

Presenter:

Kevin Olsen, AAP, NCP, APRP, CHPC
The Payments Professor

 



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FPP Certification - Module 1

Validate Your Faster Payments Expertise

Faster payments are here to stay, and with Same Day ACH, RTP®—plus whatever comes next—it’s more important than ever to be prepared.

The Faster Payments Professional (FPP) certificate is a first-of-its-kind program providing professionals with holistic views of faster payments and getting them acquainted with current offerings. Earning this certificate demonstrates your proficiency in the faster payments field. The certificate program will be offered in three (3) separate modules.  Each module will include a series of pre-recorded webinars that allows for self-paced study.  Once each module is complete, there is a short quiz. Once all modules and quizzes are complete, one final certification exam will be offered. 

Each module will be sold separately.

Module 1: Faster Payments Fundamentals (Release Date: April 3, 2023)

  • Terminology
  • Platforms and Platform Basics
  • Defining Participants and Participant Roles
  • Technology
  • Basic Rules and Regulations


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Get an A on Your ACH Audit Two-Part On-Demand Session

On-Demand – 3 hours - AAP/APRP Credits 3,6

How do your compliance procedures stack up? Regulators, Nacha and external examiners are taking a closer look at financial institutions' ACH procedures & risk management. If you aren't prepared for a higher risk of fines for non-compliance, be sure to prepare for an up-to-date ACH audit. We will cover areas of  regulatory compliance, discuss best practices and the most common compliance problems. This will help you reduce your ACH risk from both receiving and originating ACH transactions. 

Publications:

3.6 AAP/APRP Continuing Education Credits



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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.



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Introduction to ACH

On-Demand - AAP Credits 1.2

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.



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Micro-Entries Nacha Rule Change-Phase 2 & ACH Risk Management Framework

On-Demand – 2 hours - AAP/APRP Credits 2.4

In light of Phase Two of the Micro-Entry Rule and the ACH Risk Management Framework on credit-push transactions, financial institutions have been placed for many years as the “police” for suspicious and fraudulent transactions and requirements to monitor, identify, be alerted, and mitigate the risks associated with originated and received transactions is becoming more and more difficult. Operating in a manual manner is simply impossible! This session will leave you with a different mindset on managing operational, fraud, liquidity, liability, and systemic risks and how you can tell if an appealingly “normal” transaction may, in fact, be abnormal.

Speaker:
Nanci McKenzie, Juris Masters Financial Regulation & Compliance, AAP, APRP
Executive Vice President, Compliance & Product Strategy
Affirmative Technologies

Nanci holds a Juris Master’s degree in Financial Regulation and Compliance from Florida State University College of Law and a Bachelor of Science degree in Business Information Management from Seminole State College, Sanford, FL. She became an Accredited ACH Professional (AAP) in 2004 and became an Accredited Payments Risk Professional (APRP) in 2018. Nanci is currently pursuing a Master of Legal Studies (MLS) at Drexel University.

2.4 AAP/APRP Continuing Education Credits



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P2P Applications

On-Demand - AAP Credits .60

Person-to-Person (P2P) payments, that allow a person to transfer funds from their account to another individuals account via a mobile device, are quickly gaining acceptance and use. Payment options from FinTech providers like PayPal, Venmo, Facebook Messenger, Snap Cash and Apple Pay Cash are meeting your accountholder’s payments needs and taking away deposits from your financial institution. In response, Early Warning has developed Zelle; a P2P option that can integrate with your on-line banking application. This session will provide an overview of the most common P2P applications, allowing you to better understand the potential impacts to your organization.



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Payments Fraud

On-Demand - AAP Credits 1.2

Financial thieves are business people, just like us. Their job is to learn the cracks in our systems. Our job is to fill those cracks. Gain the tools needed to develop effective anti-fraud policies and procedures, mitigate risk and protect your financial institution. Learn the latest scams affecting the payments industry and sound practices to protect your organization against schemes such as phishing, spoofing, identity theft and other types of fraud.



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Putting On Your ODFI Hat - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

What are the responsibilities for an ODFI? What are the duties of Originators? Are both in compliance with the Rules? Join us for a thorough review of ODFI compliance and receive a better understanding of what it means to be an ODFI.

3.6 AAP/APRP Continuing Education Credits



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RDFI Roles & Responsibilities/Exception Processing - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

RDFIs find common pain points – areas of the Rules that can cause misunderstandings or problems with ACH processing or compliance. Many financial institutions have tried to focus on a number of issues identified during compliance audits only to become more confused when trying to interpret the Rules. Join us as we explore the process of handling different areas of pain points for Receiving Depository Financial Institutions such as exception item processing, consumer/ customer/member disputes, government payment issues, etc. If you need answers, this is the workshop for you!

Publications:

3.6 AAP/APRP Continuing Education Credits



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Real-time Payments Operations & Implementation

On-Demand - AAP Credits 1.2

Real-Time Payments (RTP) is the first completely new payment channel in nearly 40 years. Created by the Clearing House and available 24/7, it promises to provide new opportunities to every participating financial institution. But understanding how the network works, and how it fits within your faster payments strategy is vital before you take the necessary steps to participate. This session introduces attendees to the fundamentals of RTP so your financial institution can make the right decision about your participation and the next-steps to implementation.



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Real-time Payments Rules & Compliance

On-Demand - AAP Credits 1.2

As a brand-new payments channel, Real-Time Payments (RTP), created by The Clearing House, will soon be available to every financial institution in the U.S. As with all other payment systems, participation means you must agree to comply with a new set of network rules. This session will give you a basic overview of some of the key rules for this new network to assist you in your discussion as you develop you faster payments strategy.



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Regulation E (2 Part Series)

On-Demand - AAP Credits 1.2 Each Session

Welcome to Regulation E! This webinar 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 two-part series of regulatory instruction and walk away with the knowledge you need to ensure you're in compliance.



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Regulation E Disputes for Debit Cards

On-Demand - AAP Credits 1.2

The error resolution process for debit card transactions has very specific timeframes and requirements for communicating information to consumers throughout the investigative process. Card issuers must ensure that they are correctly interpreting Regulation E and are in compliance with all of the requirements for processing error disputes resulting from debit card transactions. This session is intended for those that work directly with cards or work in an audit or compliance role.



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Regulation E vs. ACH Friends or Foes?

On-Demand - AAP Credits 1.2

Sure, they’re both electronic transactions, but did you know there are differences in the handling of ACH Entries as opposed to other types of debits? Some EFTs may be considered “Errors” under Regulation E, while certain ACH Entries may be handled with a Written Statement. 



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Returns, Recalls, Reversals & Rejects

On-Demand - AAP Credits 1.0

ACH Exception Item Processing can be confusing and it is important to understand the various processes and 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.



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So You Think you Want to be an AAP?

On-Demand

Are you thinking about becoming an Accredited ACH Professional? Accreditation gives you valuable knowledge needed in today’s ACH environment. Sign up for this free webinar to learn how to successfully prepare for the AAP exam and how to maintain your accreditation once you’ve passed! A synopsis of SFE’s upcoming Summer Study Program will also be provided.



Price: $0.00    

So You Think you Want to be an APRP?

On-Demand

Are you thinking about becoming an Accredited Payments Risk Professional? Accreditation gives you valuable knowledge needed in today’s ACH environment. Sign up for this free webinar to learn how to successfully prepare for the APRP exam and how to maintain your accreditation once you’ve passed! A synopsis of SFE’s upcoming Study Program will also be provided.



Price: $0.00    

Stop Payments vs. Authorization Revoked & Unauthorized

On-Demand - AAP Credits 1.0

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.



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Tax Return Exception Processing

On-Demand - AAP Credits 1.0

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.



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Tiptoe Through the Rules Book - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

If you understand the ACH Rules, you can solve ACH problems, reduce risk, ensure compliance and design efficient and effective operations. This seminar is a comprehensive review of the ACH rules including the components of the ACH file structure. Those who should attend are ACH  operations staff, Compliance Officers, Auditors, Project Managers and individuals preparing for the AAP exam. 

Publications:

3.6 AAP/APRP Continuing Education Credits



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Unclaimed Property - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

Part I - Unclaimed Property Basics

What is unclaimed property?
How it all started!
Unclaimed property terms
What do banks and credit unions need to know?
Unclaimed Property Reporting Requirements
Best Practices
How to keep in touch with customers and members

Part II - A Deeper Drive

What you need to know about Unclaimed Property Audits
Creating Policy and Procedures
Overview on Mergers and Acquisitions
Best ways to reduce unclaimed property liability
Updates on laws and regulations affecting unclaimed property

Speakers:

Michael Ryan, Director of Business Development
Linking Assets, Inc.

James Santivanez, President
JMS Advisory Group

About the Speakers:

Mike Ryan is MACHA’s unclaimed property liaison. Mike is also Director of Business Development at Linking Assets, Inc. Linking Assets is the leading owner location services company, helping banks and credit union locate, reengage, and reunite dormant/lost customer and members with their assets to reduce escheatment.

James Santivanez is the President of JMS Advisory Group. JMS is a firm dedicated to escheat process development and improvement.  It is their mission to help their clients mitigate risk and capitalize on opportunities resulting from accurate and properly manage unclaimed property compliance.

3.6 AAP/APRP Continuing Education Credits



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Card Training - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

Join us for an informative Card Training Session in relation to Debit Card Fraud, Disputes/Chargebacks and application of Regulation E.

Diana is a veteran financial services trainer and is well respected for her vast knowledge of the card payment industry, ACH Network and EFT Compliance. Audiences welcome her insights on payment trends and emerging payments. Diana’s enthusiasm and passion for all things payments results in a high energy presentation.

Speaker:

Diana Kern
Senior Trainer, Shazam

3.6 AAP/APRP Continuing Education Credits



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What Frontline Needs to Know - Two-Part On-Demand Sessions

On-Demand – 3 hours - AAP/APRP Credits 3.6

Consistent training in electronic payments is critical to the success of any organization. Your Customer/Member Service Staff is often the first point of contact for account holder questions and inquiries. Can your service staff explain ACH to your customers / members? Is your staff comfortable enough with their knowledge level to sell the safety, efficiency, convenience and cost savings associated with electronic payments? It is important to thoroughly understand the functionality of the ACH Network in order to provide excellent service to account holders, especially when problems arise. This session provides an overview of ACH from a customer/ member service point of view, including defining the participants and explaining the transaction flow. An overview of ACH applications and corresponding rules and regulations will be presented to ensure a clear understanding of ACH problem resolution.

Publications:

3.6 AAP/APRP Continuing Education Credits



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What's New in Payments 2023

On-Demand – 3 hours - AAP/APRP Credits 3.6

What a difference a year makes! More than ever before, new payment channels and digital payment options are in demand by consumers and businesses. To ensure you are up-to-date on current payments industry changes, you do not want to miss this Payments Update session.

Recently approved ACH Rules amendments will be examined. The workshop will help provide an understanding how payment modifications could impact operations at your Financial Institution or organization. Find out how to get up to speed and meet industry demands in the ever-changing payments arena. A “basic” level of ACH knowledge is required.

Who Will Benefit:

  • ACH Operations Staff
  • ACH Managers
  • Audit/Compliance Personnel
  • Cash Management Sales & Relationship Officers
  • Compliance/Risk Officers
  • Customer/Member Services Personnel
  • Electronic Payments Professionals
  • AAPs & APRPs

Publications:

3.6 AAP/APRP Continuing Education Credits

Pricing Per Person/Access

 



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