Events

Is your staff prepared to deal with the challenges of ACH error resolution? Does that include stop payments and written statements of unauthorized debit (WSUD)? When you understand the definitions and differences, you can provide better customer service and avoid losses for your financial institution.

After This Webinar You’ll Be Able To:

  • Understand the difference between stop payments for consumers versus non-consumers and what documentation is required for each situation
  • Use the appropriate return reason code for ACH returns utilizing the extended return timeframe
  • Define your institution’s ACH responsibilities under the Nacha Rules and Regulation E
  • Explain why an ACH transaction may not be able to be returned due to an accountholder’s dissatisfaction with the goods or services purchased
  • Distinguish between stop payments, unauthorized ACH transactions, and authorization-revoked ACH transactions

This course is eligible for 1.8 AAP credits.

Webinar Details
Among the most common audit findings are errors made with stop payments and written statements of unauthorized debit (WSUD). Join us to learn the difference between the two and the documentation required for each. This webinar will describe the document retention warranties that RDFIs carry when processing stop payments or extended returns. It will go into great detail regarding the differences between consumer and non-consumer requests and will include review activities to ensure your staff is ready to handle each accountholder’s stop payment or extended return situation.

Who Should Attend?
This informative session is designed for frontline staff, tellers, service representatives, and ACH operations staff.

Take-Away Toolkit

  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.

Presenter Bio

Kimberly Ellis, AAP, APRP – UMACHA
Kimberly Ellis
is the Director of Education Services for UMACHA where she provides training and support for financial institutions in the areas of payments & risk management. She graduated from Western Illinois University with a bachelor of arts degree in economics. She holds the Accredited ACH Professional (AAP), and Accredited Payments Risk Professional (APRP). She spent 17 years working in community banks in Southeast Iowa before joining UMACHA in 2020. She has experience working with deposit operations & compliance, risk management, and support for corporate ACH originators.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

How much do you know about Same Day ACH, RTP, and the FedNow Service? Has your financial institution adopted them? Will it? Get the details, readiness checklists, and reference materials with this timely webinar.

After This Webinar You’ll be Able to:

  • Determine the difference between a payment app and a payment system
  • Define the participants and transaction flow in the Same Day ACH, RTP, and FedNow payment systems
  • Compare and contrast key features of Same Day ACH, RTP, and FedNow, including funds availability requirements and legal framework
  • Describe the benefits of Same Day ACH, RTP, and FedNow
  • Identify considerations for determining which payment system(s) to participate in

This course is eligible for 1.8 AAP/APRP credits.

Webinar Details
Get ready for a U.S. payments transformation as emerging payments, such as Same Day ACH, RTP, and the FedNow Service, are on the way to becoming commonplace. Before choosing which of these your financial institution will use, you should understand the basics. This webinar will examine key features and benefits of these popular emerging payment systems, including a high-level overview of how transactions flow, use cases, funds availability requirements, and legal framework. Participants will walk away with facts and resources for planning or enhancing digital services with these safe, instant, and data-rich emerging payment options.

Who Should Attend?
This informative session is designed for decision-makers and staff in treasury/cash management, risk management, electronic payment services, operations, and information technology.

Take-Away Toolkit

  • Readiness checklists and reference materials for Same Day ACH, RTP, and FedNow Service
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.

Presenter Bio

Shelly Sipple joined EPCOR in 2005 following an 11-year career with the Federal Reserve Bank of Kansas City. As EPCOR’s Senior Director of Certifications & Continuing Education, she designs and conducts education programs in support of ACH to over 2,000 financial institutions and corporate members. Sipple presents at regional and national industry conferences as an ACH payments expert. She received her Accredited ACH Professional designation in October 2006, her Accredited Payments Risk Professional (APRP) in March 2018, and the National Check Professional (NCP) certification in May 2019. She is an active member of Nacha’s APRP Oversight Panel and holds a bachelor’s in business education.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

If ACH is a product that you are selling or want to sell, and ACH is new to you, you’ll want to join us for this webinar. We’ll help you understand what ACH is and how it works. You have the responsibility to choose wisely when offering ACH Origination services to your customers. Within the ACH Rules, the Originator and Originating Bank carry most of the risk. Know what your responsibilities are and how to manage your risk.

What You’ll Learn

  • What is ACH
  • Good customers for ACH
  • Most used ACH products
  • ACH Rules around the products
  • Managing your ACH Risk

Who Should Attend
This course is designed for lenders, senior staff, cash managers, operations staff with limited knowledge of ACH, and those that are interested in gaining knowledge on ACH origination and risk.

Presenter Bio
Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Cole is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Cole has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

Do you understand what an ACH Exception is and the ACH requirements around them? Many exceptions are rare, and you may find yourself second guessing what you should do. Gain a better understanding of exception processing from returns to notifications of changes to DNE and more. You’ll want to make sure you understand your responsibilities as a Receiving Depository Financial Institution so you can manage your risk.

We’ll discuss the timeline for handling the different exceptions. We will also address reinitiated entry rules and the return rate reporting that ODFI’s are required to do.

What You Will Learn

  • Ways to identify exceptions as an RDFI and ODFI and determine the best course of action
  • Understanding the timeframes for exception processing
  • Best practices for limiting your liability
  • An understanding of the importance of using the correct return and NOC codes

Who Should Attend
This course is designed for ACH personnel, operations personnel, and compliance and risk personnel.

Presenter Bio
Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Cole is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Cole has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

Do you know a little or a lot about Nested Third-Party Senders? As of September 30, 2022, the ACH Rules will further define these relationships. Don’t miss this opportunity to get up to speed on the evolving rules before the effective date.

After This Webinar You’ll Be Able To:

  • Describe the role third parties play in ACH processing and the added risk to originators and ODFIs
  • Distinguish a Third-Party Sender from a Nested Third-Party Sender
  • Explain the ACH Rules compliance obligations of a Third-Party Sender
  • Given a real-life origination scenario, identify a Third-Party Sender and Nested Third-Party Sender

This course is eligible for 1.8 AAP/APRP credits.

Webinar Details
Third-Party Senders have been a part of ACH origination processing since the late 1980s. While these relationships are not new, over the last few years the payments industry has recently taken efforts to better define their unique role in the network. Effective September 30, 2022, new ACH Rules will further define the roles and responsibilities of Third-Party Senders, including the role of Nested Third-Party Sender relationships. This session will break down the changes to illuminate the chain of agreements and compliance responsibilities for ODFIs, Third-Party Senders, and Nested Third-Party Senders. After attending, you will be able to identify a Third-Party Sender and a Nested Third-Party Sender, explain their role and responsibilities under the ACH Rules, and apply your knowledge to real-life origination scenarios.

Who Should Attend?
This informative session is designed for financial institutions offering ACH origination services, ACH operations staff, compliance staff, and audit personnel.

Take-Away Toolkit

  • Resource links for identifying a Third-Party Sender and sound business practices for ODFIs with Third-Party Sender relationships
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits: this course is eligible for 1.8 AAP/APRP credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.

Presenter Bio
Shelly Sipple, AAP, APRP, NCP – EPCOR

Shelly Sipple joined EPCOR in 2005 following an 11-year career with the Federal Reserve Bank of Kansas City. As EPCOR’s senior director of certifications & continuing education, she designs and conducts education programs in support of ACH to over 2,000 financial institutions and corporate members. Sipple presents at regional and national industry conferences as an ACH payments expert. She received her Accredited ACH Professional designation in October 2006, her Accredited Payments Risk Professional (APRP) in March 2018, and the National Check Professional (NCP) certification in May 2019. She is an active member of Nacha’s APRP Oversight Panel and holds a bachelor’s in business education.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

The Automated Clearing House (ACH) Network was created in the late 1970s. For many years, the rules did not change much. It has, however, changed significantly in the last 10 years. Whether you are in operations, cash management, bookkeeping, or any other position that does or may touch ACH, you’ll want to join us for this day of learning. We’ll make sure that as a Receiving Depository Financial Institution and or an Originating Depository Financial Institution, you’ll know your responsibilities regarding ACH.

Covered Topics

  • The ACH Basics: Who are the players?
  • What are all of those ACH acronyms and terminology?
  • What is an ODFI and what are the Responsibilities?
  • What is ACH Origination?
  • Who has what responsibilities?
  • Contracts, we need contracts.
  • What ACH Products should we offer?
  • What do we do if we send a file twice?
  • How do we manage the risk?
  • What is an RDFI and what are the Responsibilities?
  • Receipt of Entries, what do I do if it doesn’t post?
  • How do I return an entry and by when?
  • Do I have to create a Notification of Change?
  • What are the basics of an ACH Audit?

Training Day Agenda (Subject to Change)

  • 9:00 am – 10:30 am CT (15-minute break)
  • 10:45 am – 12:00 pm CT (1 hour lunch)
  • 1:00 pm – 2:30 pm CT (15-minute break)
  • 2:45 pm – 4:00 pm CT

Who Should Attend
Back-office operations, compliance officers, auditors, branch managers, treasury/cash management professionals, frontline staff, and customer service representatives.

Instructor Bio
Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Cole is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Cole has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics.

Registration

Live Stream + Access the recording for 12 months. $1049

Fraud can (and does) lurk around every corner — and electronic payments are no exception. Since the legalities, liabilities, and recovery options vary depending on the situation, your team needs a firm understanding of the rules and ways to mitigate losses. This detailed common-sense webinar is just the ticket.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Distinguish between the liabilities of the ODFI and RDFI for ACH payment fraud
  • Explain your institution’s responsibilities when acting as the ODFI versus the RDFI
  • Define the return deadlines for consumer accounts and corporate accounts under the Nacha rules regarding ACH fraud
  • Understand how to bring a breach of warranty claim against the ODFI after the return deadlines
  • Identify when Reg E conflicts with the Nacha rules and when your institution must reimburse consumer accounts for ACH fraud
  • Discover ways to encourage the RDFI to return funds to your institution after the ACH fraud is identified

WEBINAR DETAILS

The tremendous increase in electronic payment fraud has caused staggering losses to financial institutions. Your institution’s liability for electronic payment fraud will vary depending on the type of fraud, how it occurred, and whether it was a consumer or commercial account.

The varying legalities are mindboggling. UCC Article 4A permits financial institutions to shift liability to commercial accountholders in certain situations, while Regulation E provides much more protection to consumers. The Nacha rules make the originating depository financial institution (ODFI) ultimately liable for an unauthorized ACH, but it is difficult to get the ODFI to pay after the return deadlines. In all situations, however, the law requires financial institutions to use commercially reasonable security procedures.

This webinar will explain which party is liable for the various types of electronic payment fraud and what can be done to protect your institution from liability in both commercial and consumer situations.

WHO SHOULD ATTEND?

This informative session will benefit all personnel involved on the deposit side, including deposit operations staff and officers, tellers, service representatives, compliance officers, auditors, attorneys, and managers.

TAKE-AWAY TOOLKIT

  • Nacha’s Warranty Claims Tool (to help determine whether your institution will be able to recover funds from the ODFI)
  • Nacha’s Indemnification Agreement (to assist with requesting the return of funds from the RDFI)
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

Note: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.

MEET THE PRESENTER

Elizabeth Fast JD, CPA – Spencer Fane LLP

Elizabeth Fast is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions. Fast is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a master of business administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions.

REGISTRATION OPTIONS

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

Expect to see more and more growth in the number of prenotes and micro-entries. Join us to learn the implications, rights, and requirements under Nacha’s new rules, including initiation, handling, and exceptions.

After This Webinar You’ll be Able To:

  • Define a micro-entry according to the Nacha rules
  • Understand your obligations for using micro-entries to validate accounts
  • Explain the account validation options
  • Deal with exceptions correctly
  • Distinguish between proper and improper usage of micro-entries

Webinar Details
With Nacha’s new WEB debit account validation rule in place, and the recent passage of related micro-deposits rules, RDFIs can expect to see an increase in the number of micro-entries and prenotes. Do you know your institution’s rights and obligations? This session will explore the proper initiation and handling of micro-entries and prenotes. Properly handling these items can help to reduce the number of future exception items and reduce headaches.

This session will cover:

  • Definition of micro-entries and prenotes
  • Appropriate uses of micro-entries and prenotes
  • Returning micro-entries and prenotes

Who Should Attend?
This informative session is designed for ACH operations staff, AAP candidates, auditors, and compliance staff.

Take-Away Toolkit

  • One-page quick reference guide on micro-entries
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

This course is eligible for 1.8 AAP/APRP credits.

Note: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Presenter
Michele Barlow AAP, NCP – Macha/PAR
Michele Barlow is the senior vice president at Macha/PAR (Everything Payments, Everywhere), with offices in Wisconsin and Maryland. Before joining the Macha team in 2009, Barlow spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Barlow is a past member of NACHA’s Blue Ribbon Panel and currently serves on the APRP Oversight Panel, the Payments Institute Board of Regents, and Nacha’s LMS Editorial Board. She is active on other national committees, and a frequent speaker at industry events. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Michele holds a bachelor’s from the University of Wisconsin.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

Do your policies, procedures, and processes match the risk associated with each ACH customer? Higher risk means more due diligence. This webinar will teach you how to assess an ACH customer’s risk and describe the extra steps required with enhanced due diligence.

After This Webinar You Will Be Able To:

  • Explain the risks associated with ACH transactions
  • Create a proper customer risk profile and accurately assign risk ratings for ACH customers
  • Distinguish which customers should be deemed higher risk
  • Determine the appropriate due diligence required at account opening and throughout the relationship with the ACH customer
  • Explain when a high-risk customer can be reduced to moderate or low risk
  • Conduct a BSA/AML quantity of risk assessment for your institution regarding ACH customers

Webinar Details
Your institution’s BSA/AML compliance program is always a hot button with examiners, and it is even more important now regarding ACH customers. All institutions must use a risk-based approach to ensure their policies, procedures, and processes are commensurate with the risk associated with a particular ACH customer. The higher the risk, the greater amount of due diligence and monitoring required. This webinar will explain how your institution can identify and assess the risk — low, medium, or high — associated with your customers using ACH services. In addition, it will explain the additional steps for conducting the “enhanced” due diligence that is required for higher-risk customers, and the ongoing monitoring that is required of all customers using ACH services.

Who Should Attend?
This informative session will benefit all operations department personnel, ACH personnel, compliance staff, BSA and security officers, risk officers, auditors, attorneys, and managers.

Take-Away Toolkit

  • FFIEC’s BSA/AML examination procedures for ACH transactions and quantity of risk matrix
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

Note: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Presenter
Elizabeth Fast, JD, CPA – Spencer Fane LLP

Elizabeth Fast is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions. Fast is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a master of business administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was general counsel, senior vice president, and corporate secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

Do you need a decoder ring to sort out the various types of ACH exceptions? Mistakes can create liability and losses. Join us to learn the ins and outs of exceptions and discover best practices for reducing risk.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Explain the various types of exception items
  • Understand the risk presented by mishandling exceptions
  • Define the correct return reason code to handle exceptions
  • Understand your institution’s obligations to accountholders
  • Distinguish between “authorization revoked” and “stop payment”

WEBINAR DETAILS
Your financial institution must handle ACH exceptions properly to limit liability and potential loss. ACH exception items include return transactions, prenotes, Notifications of Change, and unauthorized entries. This webinar will provide a comprehensive review of these ACH exceptions and best practices for minimizing associated financial risks.

WHO SHOULD ATTEND?
This informative session is designed for ACH operations staff, AAP candidates, and audit and compliance staff.

TAKE-AWAY TOOLKIT

  • Return reason code quick reference chart
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

This course is eligible for 1.8 AAP/APRP credits.

Note: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.

MEET THE PRESENTER – Michele L. Barlow, AAP, NCP, Macha/PAR
Michele Barlow is the senior vice president at Macha/PAR (Everything Payments, Everywhere), with offices in Wisconsin and Maryland. Before joining the Macha team in 2009, Barlow spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Barlow is a past member of Nacha’s Blue Ribbon Panel and currently serves on the APRP Oversight Panel, the Payments Institute Board of Regents, and Nacha’s LMS Editorial Board. She is active on other national committees, and a frequent speaker at industry events. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Barlow holds a bachelor’s from the University of Wisconsin.

REGISTRATION OPTIONS

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download