Compliance Publications

630 - ACH Audit Guide for Third-Party Service Providers & Third Party Senders Workbook on CD

The ACH Audit Guide for Third-Party Service Providers and Third-Party Senders is a publication designed to assist the third-party in completing an annual ACH audit as required by the NACHA Operating & Rules. This is a working document that will walk you through the steps of completing an Appendix Eight audit along with reviewing sound business practices, related compliance areas, online banking products and government benefit payments.



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585 - ACH Audit Workbook CD

The ACH Audit Workbook CD has been reformatted and updated for 2017. This useful tool includes audit questions and sample reports needed by an Auditor. The revised ACH Audit Workbook is designed to assist Financial Institutions and Third-Party Service Providers in the completion of the required annual audit of compliance with the ACH Rules. Included in this complete step-by-step audit resource are the audit criteria for all participants, worksheets for each of the criteria, a list of compliance tips and sample audit policy and audit report. The Workbook easily allows for electronic completion of worksheets and reports.

 



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537 - ACH Block/Filter Agreement

As financial institutions see an increase in fraud attempts on all payment types, ACH customers are looking to use anti-fraud services like ACH Blocks/Filters and ACH Positive Pay. These services help the customers to control and/or monitor ACH activity. This contains a customizable Microsoft Word document that includes critical forms and conditions between these parties.



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1000B - ACH Policies & Procedures Tools - 2017 Updates

New ACH Rules may mean changes to your current ACH Policies and Procedures.  We’ve updated each section of the ACH Policies & Procedures Tools affected by the 2017 NACHA Operating Rules & Guidelines.  These updates will help you save time and easily make changes to your customized ACH Policies and Procedures.

 



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1000 - ACH Policies & Procedures Tools

Don't go into your next examination with incomplete policies and procedures! The ACH Policies & Procedures Tools is a comprehensive template built for Financial Institutions. There has yet to be as complete a set of policies, procedures and supplements available to DFIs for ACH. The expert authors believe strongly that sample policies are not effective therefore this Guidance allows for personalization in each area that a Financial Institution should make a business decision. Customization is easy in this electronic format.



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538 - ACH Risk Assessment Tools - CD

Under NACHA's "ACH Risk Management and Assessment" rule, each financial institution is required to 1) perform a risk assessment of their ACH activities, and 2) implement risk management programs in accordance with "the requirements of their regulators". The rule became effective June 18, 2010 and you should expect verification of compliance as part of your next ACH Audit and Regulatory Examination. By utilizing the ACH Risk Assessment Tools CD you can gain:

  • Guidance to assist you in completing a step-by-step risk assessment
  • Convenient storage and organization of supporting documentation
  • Background information on Risk Assessment Rule
  • Help to identify strengths and weaknesses in your existing program
  • Individual chapters address Credit Risk, High-Risk Activities, and Compliance Risk, Third-Party Service Providers & Direct Access to the ACH Operator and Transaction and Information Technology Risk
  • Preparation Checklist
  • Rating System
  • User-friendly worksheet questions
  • Final report
  • Includes a CD for electronic completion


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414 - ACH Risk Management Handbook, 6th Edition

A Comprehensive Guide to ACH Risk Issues and Control Procedures

ACH participants must take action to control risk in any payment system — including the ACH Network. The 6th edition explains the types of ACH payments risk, assesses the operational implications and provides sound business practices for developing an effective risk management program. In addition, case studies are included in each chapter to offer realistic examples to assist you in evaluating and implementing your risk management program.

 



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418 - Healthcare EFT Standard Implementation Guide NACHA CCD+ Addenda

The purpose of the Healthcare EFT Standard Implementation Guide is to provide the healthcare industry with information on payment processing between the Health Plan to the Provider and for implementing the healthcare EFT Standard for Stage 1 Payment Initiation, as defined by the Standards for Healthcare Electronic Funds Transfers (EFTs) and Remittance Advice.  Chapters cover:  The Healthcare EFT Standard at a glance; NACHA, the NACHA Operating Rules, and changes to support healthcare EFT payments; ACH Network fundamentals; ACH formatting requirements; healthcare EFT and ERA operating Rules; and Resources.



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544 - ODFI Risk Management Guide on CD

This new improved guide, now on CD, has been updated to provide more risk management tools. Meant to be a starting point for managing risk within the financial institution, this guide provides a sample origination/risk policy; a risk management checklist; a sample exposure limit request form and new this year, information to assist in auditing your originators for compliance with the NACHA Operating Rules & Guidelines



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525 - Payments and Risk Glossary


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515 - Remote Deposit Capture Risk Assessment Workbook CD

The comprehensive, easy-to-use Remote Deposit Capture Risk Assessment Workbook, available on CD, is designed to assist Financial Institutions in addressing remote deposit capture risk. The CD content mirrors the FFIEC Remote Deposit Capture Risk Management Guidance. The Remote Deposit Capture Risk Assessment Workbook CD guides you in completing the step-by-step risk assessment. User-friendly worksheet questions are easily answered Yes/No and include room for comments, along with a designated action plan to assist you in developing a comprehensive RDC risk management program. Operations staff, risk managers, compliance officers as well as audit personnel will find this workbook CD a useful tool.



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432 - Revised Uniform Commercial Code Article 4A and the ACH System

Evaluates the impact of UCC 4A on security procedures and bank/corporate agreements.  Includes article 4A with staff commentary.  For financial institutions and corporations that handle ACH wholesale credits.



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617 - Risk Management for Consumer Internet Payments ACH, Credit Cards

This publication from NACHA - the Electronic Payments Association analyzes risk management considerations for ACH, credit card, debit card and person-to-person payment systems in the context of Internet-initiated payments.  The legal/regulator, credit, operational and fraud risks for each payment system stakeholder, including financial institutions and merchants, are evaluated for each payment system.  It also identifies risk management principles, how the Internet impacts risk management, and explains relevant concepts for each system.  Also included are a glossary, a listing of applicable statutes, regulations and rules and other resources to provide assistance to financial services professionals.



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614 - Risk Management for Internet, Telephone and Electronic Check ACH

The Guide is arranged to provide an overview of the ACH Network and risk issues involved to assist those new to the ACH Network Subsequent chapters address the specific risk issues related to Internet, Electronic Check and Telephone-Initiated ACH payments from the Originator, ODFI and RDFI perspectives.



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658 - Risk Management Glossary


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425G - Stop Payment Request Order - Electronic

This Electronic Stop Payment Request Order provides concise explanations on stop payment requests for single or recurring entries to consumer accounts; stop payment requests on paper items; and stop payment requests for entries to non-consumer accounts. This fillable PDF form contains all the necessary information your financial institution needs to easily comply with these requests.

Minimum system requirement - Adobe Reader.



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431 - The ACH Compliance Manual: How to Comply with ACH-Related Rules & Regulations-8th Edition

In addition to the requirements the NACHA Operating Rules, this comprehensive manual covers a general overview of related Federal Regulations on topics, such as, authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and more. Also featured in this 8th edition is a chapter devoted to Same Day ACH that became effective in September 2016. Helpful compliance tips are included as well as a resource list and glossary of terms.



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511 - Third-Party Senders & the ACH Network: An Implementation Guide

The edition is designed primarily for use by Originators, ODFIs, and those Third-Party Service Providers that act in the specific role of Third-Party Senders. This publication provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Service Provider, acting as a Third-Party Sender, is involved in the origination of transactions through the ACH Network. This Second Edition reflects the latest Rules changes, offers real-world examples of third-party sender relationships, includes best business practices, risk management topics, and a checklist of issues to be addressed by ODFIs, Originators, and Third-Party Senders in processing agreements. Also featured are six new case studies.



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531 - Wire Audit Checklist

Conduct an internal review of your wire transfer area, before your examiner does! This new audit checklist was designed to assist your financial institution in identifying potential areas that require stronger internal controls and/or increased focus simply by answering a series of yes/no questions. This valuable tool also includes quick references to applicable rules and regulations covering the wire network. Determine whether the policies, procedures and internal controls regarding wire funds transfers are adequate for your institution.



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426G - Written Statement of Unauthorized Debit - Electronic

NEW - As an RDFI, you must have a completed Written Statement of Unauthorized Debit (WSUD) before returning a debit entry. The dated form has clear and concise information about what return reason code to use and is fully NACHA compliant. You have the capability to fill out the PDF form online or email it to your customer for them to complete and provide back to you.

Minimum system requirement - Adobe Reader.



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550 - Written Statement of Unauthorized Debit - English or Spanish

These convenient two-part carbonless forms are an essential tool for financial institution personnel when customers question ACH debit transactions posted to their accounts. Includes thorough descriptions of what constitutes a revocation of authorization, an unauthorized debit, or an improper debit (for BOC, RCK, ARC, and POP entries), along with prompts to operations staff as to the correct return reason codes to use. Also available in Spanish!  Pack of 50 forms.



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