ACH

ACH 101: Fundamentals for Operations and Frontline

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. Your Customer/Member Service Staff is often the first point of contact for account holder questions and inquiries. Is your staff comfortable enough with their knowledge level 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 as well as from the Operations perspective. Whether you are new to ACH or a seasoned payments professional needing a refresher course, this session is for you.

3.6 AAP/APRP Continuing Education Credits

ACH Basics (3 Part Series)

On-Demand - AAP Credits 1.8 Each Session

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

Tax Refunds: Exceptions, Posting & Liabilities

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 a better understanding of how to handle these payments and ways to combat the tax scams, this training is for you!

1.8 AAP/APRP Continuing Education Credits

ACH Operations for the RDFIs

On-Demand - AAP / APRP Credits 1.8 Each Session

RDFIs do not have the same burdens as ODFIs, but a mistake can be costly and time-consuming. This webinar shares how ACH entries are received, settled, and returned, as well as RDFI obligations.

ACH Risk for Treasury Management Sales

On-Demand - AAP / APRP Credits 1.2

Does your cash or product management team understand the ACH services your financial institution offers? What about any upcoming rule changes? This informative webinar will more fully explore Nacha Operating Rules and loss prevention.

Faster Payments Risk

On-Demand - AAP / APRP / AFPP Credits 1.2

As faster payment technologies emerge, it’s up to you to keep up and still look for and detect fraud. This webinar will focus on the risks of faster payments and some of the tools available to protect your financial institution.

Introduction to ACH

On-Demand - AAP Credits 1.8

As an introduction to ACH, this webinar will cover the essentials, including a brief history, how the transactions flow and settlement process works, and various standard entry class codes. This class is designed for new ACH operators, front-line staff, and anyone interested in learning more about ACH.

Nacha Operating Rules Enforcement Process

On-Demand - AAP / APRP Credits .6

Do you send NOCs without any results? Should you get Nacha involved? This training event will cover Appendix 9 in the Nacha Operating Rules to clarify when and how to file a report. A discussion of Nacha Arbitration and Compensation Rules will be included.

Payments Fraud

On-Demand - AAP Credits 1.2

Financial thieves are always looking for cracks in today’s payment systems. Some typical schemes include phishing, spoofing, and identity theft. This webinar will help you develop effective anti-fraud policies and procedures to mitigate risk and protect your financial institution.

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!

3.6 AAP/APRP Continuing Education Credits

Regulation E (2 Part Series)

On-Demand - AAP/APRP Credits 1.2 Each Session

This two-part webinar will focus on consumer rights, the impact of the Electronic Funds Transfer Act and the requirements of Regulation E, including required disclosures, error resolution and more.

Regulation E vs. ACH Friends or Foes?

On-Demand - AAP / APRP Credits 1.2

ACH Rules for the return of an unauthorized debit and your requirements to investigate an error don’t always align under Regulation E. This webinar will help ensure your procedures comply with Regulation E and how to use the ACH Rules to mitigate risk.

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.

The Payments Horizon: What's New and What's Next in 2025

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

SFE's annual Payments Update training, focusing on recent Nacha ACH Rule Changes and upcoming developments in the payments landscape.

Key Topics:

1. Nacha ACH Rule Changes: Understand the recent and upcoming amendments aimed to reduce the incidence of successful fraud attempts and improve the recovery of funds after fraud has occurred. Tabbing the 2025 Nacha ACH Operating Rules and Guidelines is included to help you understand where to locate the rules and compliance requirements.
2. Regulation CC Updates: Learn about the amendments taking effect on July 1, 2025, which increase certain dollar amounts based on inflation and require system changes and change-in-terms notices to customers.
3. Instant Payments Rails: Get updates on FedNow and RTP, including essential topics for organizations participating in or preparing to implement these new payment systems.

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

3.6 AAP/APRP Continuing Education Credits

Pricing Per Person/Access

Unclaimed Property - Two-Part On-Demand Sessions

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

Part I  – An Introduction in 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 Dive

• 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

Regulation E and Instant Disputes

On-Demand – 1 Hour - AAP/APRP Credits 1.2

When it comes to regulation E and faster payments like FedNow® Instant Payments and RTP® Payments from the Clearing House the question comes up a lot. Does Regulation E apply to RTP® and FedNow®, and if so when and how? The short answer is yes, but the answer to how is what we will cover in this course. From reviewing the FedNow Service Operating Procedures, the RTP Operating rules and the CFPB FAQ on instant payments, the Payments PRofessor walks you through the basics of Regulation E and how they are applied to FedNow, RTP, and even Zelle. 

Speaker:

Kevin Olsen
The Payments Professor

AAP/APRP Credits 1.2

Registration Fees:

Members: $229 per Person/Access
Others: $458 per Person/Access