Events

Determining liability is more than finger pointing. Being able to distinguish liability for numerous types of transactions is crucial to making an accountholder whole, detecting fraud, reducing your institution’s risk, etc. Attend this webinar and learn how your institution fits into the mix when liability is in question.

After This Webinar You’ll Be Able To:

  • Distinguish which party is liable in each type of account fraud situation
  • Determine when your institution must reimburse the accountholder
  • Explain what your institution can and can’t require of accountholders when investigating fraud
  • Understand your institution’s liability for forgeries
  • Distinguish between the liabilities of the ODFI and the RDFI for ACH fraud
  • Explain what constitutes an unauthorized electronic withdrawal

Webinar Details

Account fraud has caused staggering losses to financial institutions and losses continue to rise. Your institution’s liability for forged checks, ACH fraud, remotely created and deposited items, and unauthorized electronic items varies depending on the type of fraud, how it occurred, and whether it was a consumer or commercial account. The multitude of applicable laws is mindboggling! This webinar will explain which law applies in each type of account fraud situation, explain your institution’s liability, and what can be done to reduce risk.

Who Should Attend?
This informative session will benefit deposit operations personnel and managers, tellers, compliance staff, new accounts personnel, security officers, fraud investigators, attorneys, and auditors.

Take-Away Toolkit

  • Chart listing the law in each type of account fraud situation and which party is liable
  • 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

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

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

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

Does your institution originate ACH transactions? Do you know which transactions work for your organization? How do you know if your ACH origination program is successful and compliant? This session will provide bountiful information regarding ACH rule requirements, risk management, transaction processing, and exception processing.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
• Understand the benefits of internal ACH origination
• Explain the use cases for internal ACH origination
• Describe the risk management considerations for internal ACH origination
• Differentiate the transaction types and requirements
• Appropriately handle any exceptions

WEBINAR DETAILS
This webinar is designed for any financial institution that does or is considering internal ACH origination. Do you offer or are you considering sending ACH debits for loan payments and transfers of interest earned? What about accounts payables? Did the COVID-19 emergency have you scrambling to issue checks for payments? Using the ACH Network for payments processing for internal applications can save time and money and also create efficiencies. This webinar will help you get started on (or make sure that you are staying on) the path to ACH origination success!

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

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

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
  • $320 – Both Live & On-Demand Access + Digital Download

Do you understand the primary payment systems in the US? How many are there? This is a prime opportunity for the frontline and new employees to learn about payment options, how transactions flow, funds availability, and related rules. Discover how to answer accountholder questions with confidence!

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Distinguish which payment system was used, including the parties involved and how the payment was authorized by the accountholder
  • Define the parts and parties of a check and the parties to an ACH transaction, wire transfer, and card payment
  • Understand the basic transaction flow for ACH, card, wire, and check payments, including how they may affect funds availability for accountholders
  • Explain options for accountholders wanting to send or receive funds into your financial institution
  • Start a conversation internally using our key takeaways to learn more about when transactions post, cutoff times, unauthorized and stop payment requests, and more

WEBINAR DETAILS
Financial institutions regularly hire new staff due to retirement, promotion, or turnover. As part of their comprehensive training, new employees must achieve a basic understanding of the four main payment systems. This session is designed to give new operations staff that baseline understanding. It will address checks, ACH, cards, and wire participants, plus rules and key considerations for all staff. After this session, attendees will be more confident in answering accountholders’ transaction inquiries.

WHO SHOULD ATTEND?
This informative session is designed for tellers, frontline staff, and new employees.

TAKE-AWAY TOOLKIT

  • Key takeaways of payment systems basics to use as a conversation-starter to learn more about your institution’s policies, procedures, and practices
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits
  • Employee training log
  • Interactive quiz

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 — Kimberly Ellis, 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
  • $320 – Both Live & On-Demand Access + Digital Download

Person-to-person transfers are now a reality and becoming more mainstream. What can go wrong and what are the remedies? How much risk is involved? Don’t miss this prime opportunity to learn the ins and outs of P2P transfers via the ACH Network, including the recently updated FAQs from the CFPB.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • List the different types of P2P payment options
  • Explain the rules that govern P2P payments
  • Understand what is and is not an error
  • Explain your role in the error resolution process
  • Ensure compliance with the rules and regulations
  • Summarize the December 13, 2021, CFPB updates as they pertain to P2P payments

WEBINAR DETAILS
Some of today’s most common payment questions pertain to consumer person-to-person (P2P) transfers via the ACH Network and third-party payment applications. Most often, these questions are about fixing something that went wrong. These problems include fraud, incorrect account numbers, and buyer’s remorse — all of which can result in losses for your institution. This topic is even more consequential because the CFPB recently issued updated FAQs that highlight the importance of the financial institution’s role in the error resolution process. Don’t miss this chance to learn about the unique features of P2P transfers via the ACH Network, including:

  • ACH rules for P2P entries
  • Unique ACH format requirements
  • Risk management
  • Common errors and unauthorized transactions
  • The financial institution’s responsibility for error resolution

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

TAKE-AWAY TOOLKIT

  • Link to the CFPB FAQ document
  • Electronic copy of Macha’s Quick Reference Guide to Initiating ACH Transfers
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits
  • Employee training log
  • Interactive quiz

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, 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
  • $320 – Both Live & On-Demand Access + Digital Download

Join this important ACH update to learn the latest on the rules, including the September 2021 authorization amendments, stop payment requests, and more. You’ll also get the scoop on faster payments and how it differs from other payment methods.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Distinguish between a single, recurring, and standing authorization and an oral authorization versus an oral authorization beyond a telephone call
  • Explain the effective period for a stop payment order on a debit to a non-consumer account
  • Define a third-party sender and nested third-party sender and describe a third-party sender’s ACH compliance obligations
  • Consider impacts to your institution’s existing policies and procedures to ensure readiness for new ACH rules
  • Compare and contrast faster payments, such as Same Day ACH, RTP, and FedNow Service

WEBINAR DETAILS
Do you know about the significant changes impacting electronic payments in 2022 and beyond? Join us to learn how to prioritize your institution’s plan of action and maintain compliance. This must-attend program will cover ACH rules updates, including a review of the September 2021 authorization amendments, handling non-consumer stop payment requests, and new third-party sender requirements. Plus, you’ll learn the latest on faster payments — Same Day ACH, RTP, and FedNow Service.

WHO SHOULD ATTEND?
This informative session is designed for ACH operations staff, cash/treasury management personnel, audit/compliance staff, and individuals with the AAP and APRP accreditation.

TAKE-AWAY TOOLKIT

  • Quick reference of 2022 ACH Rules changes with implementation dates and considerations
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits
  • Employee training log
  • Interactive quiz

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 – Shelly Sipple, 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
  • $320 – Both Live & On-Demand Access + Digital Download

The federal government is one of the single largest users of the ACH Network. Proper handling of ACH tax refunds and exceptions is crucial to reducing losses, increasing compliance, and keeping accountholders happy. Now is the time to prepare!

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
Understand your financial institution’s liability for IRS tax refunds
Properly handle refunds issued to deceased individuals
Distinguish between state and federal tax refund responsibilities
Decide which entries to post and which to return
Use Nacha’s opt-in option for the return of questionable refunds

WEBINAR DETAILS
The IRS issues over 101 million tax refunds annually and over 80% of these are via Direct Deposit. The average refund is over $3,000. Each spring financial institutions are faced with the challenges associated with exception processing related to ACH tax refund payments. This session is designed to ensure efficient processing of ACH tax refunds and, more importantly, protect your financial institution from losses from incorrect payment handling. Topics will include name/account number mismatches, deceased recipients, posting to incorrect accounts, and other exception items.

This course is eligible for 1.8 AAP credits.
Attendance certificate provided to self-report CE credits.

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

TAKE-AWAY TOOLKIT
Electronic copy of government payments exception handling quick reference cards
Employee training log
Interactive quiz

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, Michele 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. Michele 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 On-Demand Access + Digital Download
$320 Both Live & On-Demand Access + Digital Download

Even on Day 1, accountholders expect frontline staff to have all the answers. This fundamentals course is the perfect way to give newer frontline staff an ACH education boost – especially given today’s plethora of ACH transactions.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
Understand the flow of an ACH transaction
Define the participants in the ACH Network and their responsibilities
Assist accountholders with common ACH questions
Explain the different types of ACH transactions
Distinguish between the use of a stop payment and revoked authorization

WEBINAR DETAILS
The frontline is the face of each financial institution. Ensuring they understand the different products and processes is crucial to maintaining accountholder satisfaction. This session will provide frontline staff with a non-technical overview of the ACH Network and provide answers to the most common accountholder questions. This back-to-basics program will describe how the ACH Network works, explain stop payments and unauthorized transactions, and differentiate the types of ACH transactions and authorizations.

This course is eligible for 1.8 AAP credits.
Attendance certificate provided to self-report CE credits.

WHO SHOULD ATTEND?
This session is ideal for branch, call center, and frontline staff.

TAKE-AWAY TOOLKIT
Electronic quick reference guide for frontline staff
Employee training log
Interactive quiz

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, Michele 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. Michele 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 On-Demand Access + Digital Download
$320 Both Live & On-Demand Access + Digital Download