ACH

December 2022

PSA for BSA! BSA Basics for ACH

Tue
6
2022
December 6, 2022
1:00PM - 2:30PM

Regulation E Disputes for Debit Cards

Wed
7
2022
December 7, 2022
3:00PM - 4:00PM

CFPB Remittance Transfer Rule

Thu
8
2022
December 8, 2022
3:00PM - 4:00PM

Educating Your Originators: An ODFIs Guide

Wed
14
2022
December 14, 2022
3:00PM - 4:00PM

Originator Responsibilities

Thu
15
2022
December 15, 2022
10:00AM - 11:00AM

Distributed Ledger

Fri
16
2022
December 16, 2022
2:00PM - 2:30PM

February 2023

What's New In Payments 2023

Tue
14
2023
February 14-15, 2023

2 Part Virtual Education

What's New In Payments 2023

Wed
22
2023
February 22-23, 2023

2 Part Virtual Education

March 2023

ACH Fundamentals Spring Virtual Workshop

Tue
14
2023
March 14-15, 2023

2 Part Virtual Education

April 2023

RDFI Rules & Responsibilities/Exception Processing

Wed
19
2023
April 19-20, 2023

2 Part Virtual Education

May 2023

What Frontline Needs to Know

Tue
9
2023
May 9-10, 2023

2 Part Virtual Education

Tiptoe Through the Rulebook

Tue
16
2023
May 16-17, 2023

2 Part Virtual Education

October 2023

ACH Fundamentals Fall Virtual Workshop

Tue
17
2023
October 17-18, 2023

2 Part Virtual Education

February 2023

Tue
14
2023
February 14-15, 2023

What's New In Payments 2023

2 Part Virtual Education

Wed
22
2023
February 22-23, 2023

What's New In Payments 2023

2 Part Virtual Education

March 2023

Tue
14
2023
March 14-15, 2023

ACH Fundamentals Spring Virtual Workshop

2 Part Virtual Education

April 2023

Wed
19
2023
April 19-20, 2023

RDFI Rules & Responsibilities/Exception Processing

2 Part Virtual Education

May 2023

Tue
9
2023
May 9-10, 2023

What Frontline Needs to Know

2 Part Virtual Education

Tue
16
2023
May 16-17, 2023

Tiptoe Through the Rulebook

2 Part Virtual Education

June 2023

Tue
6
2023
June 6-7, 2023

Get an A on Your ACH Audit

2 Part Virtual Webinar

September 2023

Tue
12
2023
September 12-13, 2023

Government Payments Update

2 Part Virtual Webinar

October 2023

Tue
17
2023
October 17-18, 2023

ACH Fundamentals Fall Virtual Workshop

2 Part Virtual Education

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

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

Has your ACH department experienced any turnover? Do you have staff that is new to ACH? ACH Fundamentals is a lecture-based seminar that starts from "ground zero." We cover the ACH network from A to Z, discussing the processes payments professionals use on a daily basis. This includes: ACH Systems and Technology, Participants and Roles, Transaction Types, Authorization Requirements, Record Retention, Prenotes and NOCs, Stop Payments, Reg E, Government ACH Processing and Same Day ACH. This workshop establishes a base of knowledge and is ideal for personnel new to ACH or with limited experience.

3.6 AAP/APRP Continuing Education Credits

Publications to Pair with this Workshop:



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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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An Introduction to Emerging Faster Payments

On-Demand - AAP/APRP Credits 1.2

Everyone is talking about faster payments! There are headlines for the RTP® and FedNowSM everywhere you turn in the payments industry. There are discussions as to what is a faster payment, including does Same-Day ACH qualify as a faster payment. Then there is the talk about Crypto, Stablecoin, CBDC, Zelle, Mastercard Send, Venmo and so many more. How do you make sense of it all? In this one-hour session we will dive into these topics and help clarify, what is a faster payment and what are the many ways a faster payment can be offered?

Presenter:

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

 



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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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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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NOCs, Returns & Adjustments

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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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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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 three-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    

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

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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Treasury Day

On-Demand – 4 hours - AAP/APRP Credits 4.5

The U.S Treasury still remains the largest single Originator in the ACH Network today. Payments originated by the federal government – more than one billion entries annually — affect all financial institutions in many ways, including exception processing. Don’t miss this opportunity to hear how the Bureau of the Fiscal Service is seeing to reduce costs and increase efficiency within its payments processing structure. This session provides an overview of Reclamations, claims of Non-Receipt, and other payments efficiency efforts. 

Speakers:

Danita Moss, AAP, NCP
Senior Vice President – Director of Education and Member Support
Southern Financial Exchange

Patricia A. McMaster
Lead Legal Administrative Specialist
United States Treasury Department



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What Frontline Needs to Know

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

Pricing Per Person/Access

 



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What's New in Payments 2022

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 which will enable consumers to conduct transactions using new technologies and channels will be examined. The workshop will help provide an understanding how these 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 recommended.

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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