This session provides an overview of the ACH network from a customer service point of view, including defining the participants and explaining the transaction flow, consumer's rights and how these transactions differ from corporate and government transactions.
 

This session is designed to familiarize the viewer with the organization and structure of the book, explaining the various sections and contents of both the Operating Rules and Guidelines.
 

Examine different check products that are being converted to ACH debits,including the conversion of both business and consumer checks at the point of purchase, through lock-box conversion and in a back-office environment. This session also describes how TEL and WEB fit into the e-check environment.
 

This session focuses on the ACH Operating Rules, Federal Regulations, UCC4A, OFAC and exception processes including procedures for handling Federal Government ACH payments, NACHA's Rules Enforcement procedure, as well as the fundamental types of risk associated with processing ACH transactions.
 

The ACH environment is changing rapidly and it is critical that you understand the requirements of NACHA rule changes that become effective in 2010. This webcast will take an in-depth look at the specific requirements of each rule amendment and how these changes will affect you, your Originating customers, and your Receiving customers.

Key 2010 Rule Amendments to be Covered Include:

• ACH Risk Management Program rule requirements for ODFIs and RDFIS
• Significant changes to ACH stop payment procedures
• Elimination of Written Statement Under Penalty of Perjury form
• New "Written Statement of Unauthorized Debit" form and form requirements
• Additional ACH self-audit requirements for 2010

We'll also summarize key learnings since implementation of the International ACH Transaction (IAT) Standard Entry Class Code in September, 2009, with suggestions as to how best to comply with OFAC requirements associated with these unique transactions. This session is a "must" to learn how to avoid unnecessary rules violations, customer dissatisfaction, and financial losses because of non-compliance. A basic level of ACH knowledge is strongly suggested.
 

With billions of transactions processed annually, the ACH provides complete, accurate and speedy processing in an automated environment. However, when an ACH payment is unable to be processed, the result is an "exception item." If the item is not appropriately handled, the institution could experience a financial loss. Register for this webcast and find out the most effective ways to handle exceptions and how to effectively minimize the risk of loss.
 

Federal Government ACH payments are subject to the same rules as private industry ACH payments, but with exceptions. The Federal Government's rules are found in the Code of Federal Regulations (31CFR 210), known as the "Green Book".
 

The devil is in the details. This webcast focuses on the intricacies of the ACH Record Formats. We will take you on a comprehensive and detailed review of the field purposes and constructs with discussion of the specific field values, commonly experienced problems, and tips for optimizing ACH Network participation.
 

Are you confused over your obligations to adjust consumer "unauthorized" entries, depending on whether you are operating under NACHA rule provisions or Regulation E? Both sets of rules detail procedures for resolving situations involving "unauthorized" consumer transactions, but the procedures, time frames, and financial institution obligations are significantly different. Proper procedures for handling account inquiries under both the NACHA adjustment rules and Regulation E Error Resolution Procedures will be thoroughly discussed, with an emphasis on how the account holding institution can limit its liability for loss and still provide excellent customer service. A basic understanding of ACH processes is suggested.
 

This seminar examines in detail the processes and options to enforce the NACHA Operating Rules. The background of the rules enforcement process, the modifications to the classification of rules violations, and the substantial increases in fine amounts are covered. ODFIs suspected of receiving an unacceptable level of "unauthorized" return entries are now required to provide specific information to NACHA, upon request. These requirements, and the on-going monitoring of such suspect Originators, are discussed. Current rules enforcement procedures, as well as an examination of NACHA arbitration procedures as an alternative to the rules violation process, are examined.
 

A broad overview of the ACH Origination business, with a focus on corporate Originator support. Topics covered include; effective ACH Origination policies, agreements and risk management, ACH Origination processing alternatives, and establishing effective and secure procedures for operations.
 

Electronic payments continue to thrive, and as a result, more legal issues have arisen. This seminar helps you keep abreast of changes in electronic payments law and helps you apply best practices with your customers.
 

Taking an enterprise wide perspective in leveraging check electronification (check image and ACH conversion) infrastructure investments and utilizing new capabilities as part of an overall payments business strategy can bring significant value to payments operations. Check electronification has largely been addressed from an operational perspective. By stepping back and taking a strategic look at check electronification, financial institutions can leverage payments as a way to diversify their portfolio, increase income, and reduce costs. Speaker: Rick Leander, EVP, Chief Strategy Officer, The Clearing House
 

With the convergence and adoption of new payment options, understanding the risks and new FFIEC guidelines, and investing in the right check electronification process in a rapidly changing environment will be critical to the future success of the electronic payment industry. Ensuring that your institution manages risk while leveraging the opportunities and cost savings of these programs will mean the difference between profitability and loss. SpeakerS: Bob Meara, Senior Analyst, Celent; T. Richard Shier, EVP and Director, Banking & Investment Services, City National Bank
 

The payments landscape is changing rapidly as economic and marketplace forces accelerate the integration of electronic payments. New opportunities for revenue streams and cost savings emerge as technology converges and the lines blur between ACH, check, credit and debit cards, and online and mobile payments. Financial institutions need to know how to best leverage and integrate these electronic payment vehicles. Speaker: Richard Oliver, EVP, Retail Payments Product Manager, Federal Reserve Bank of Atlanta.
 

This session focuses on ACH Rule audit requirements specific to the origination of ACH transactions. Each audit point is thoroughly reviewed, with emphasis placed on areas that represent potentially higher risk to the ODFI. Key guidelines for ensuring Originator compliance with ACH Operating Rules are also shared.
 

The review of ACH audit programs is identified as the number one priority for examiners under guidelines published by the Federal Financial Institutions Examination Council. Instructors thoroughly review each audit point and provide specific information on how to properly test for compliance.
 

This session discusses legal issues raised by current innovations in electronic payments law, including recent amendments to the NACHA Operating Rules as well as updates on security breach and FACTA class action litigation; regulatory developments regarding mobile, credit card, and Internet gambling payments; intellectual property rights in payments systems, cross-border payments, and other key areas of concern.
 

This session provides several detailed scenarios to help participants understand when a specific payment transaction involving the U.S. ACH Network would be deemed an International ACH Transaction (IAT) or a domestic ACH transaction.
 

This session details substantial modifications to the Company/Batch Header, Entry Detail, Addenda Record, Return, and Notification of Change formats related to IAT transactions, and highlights the areas of information that will require specific attention of your data processing/IT departments.
 

This session covers the background of the new IAT rule, roles of the "Gateway" Operators, formatting requirements and issues surrounding regulatory compliance. These changes are substantive, complicated, and mandated by OFAC.
 

With the selling of ACH services and the many types of applications comes the challenge of being able to educate your Originators. Arm your Cash and Product Management staff with the proper knowledge of the ACH to protect your institution, while giving them more products and services to offer clients.
 

The most effective defense against losses incurred in ACH processing (whether as an ODFI or RDFI) is to have clear, effective documented policies and procedures which guide day-to-day operational processing. This session provides the key elements that must be incorporated into the development of such documentation and describes the alternatives available in the payments industry to assist in this process.
 

More and more, banking regulators and rule-making bodies are requiring financial institutions to develop documented policies and procedures related to ACH processing. The process of developing such documentation can be daunting. This session will give you a framework for building an effective ACH policies and procedures manual for your organization, and describes the alternatives available in the payments industry to assist in this process.
 

This session fully examines the risk reduction suggestions outlined in the Office of Comptroller of the Currency's bulletin 2006-039: Automated Clearing House Activities, Risk Management Guidance. Topics include: risk management systems and controls, reporting to board of directors, audit considerations, high risk activities, elements of a risk strategy and other topics.
 

Protecting your financial institution and account holders from fraud is one of the most important jobs you have. Learn about the latest scams affecting the payments industry - phishing, spoofing, identity theft, and others - as well as the best tactics for protecting your institution and reducing losses related to fraud.
 

Every week we hear about another data breach, malware download, phishing attack, or other data-security based issue. This session explores the current state of the electronic payments-based data security space, the types of breaches being experienced, and the approaches the industry has taken to manage payments-based data security.
 

This session provides an overview of ACH risk for ODFIs. Topics covered include risk management safeguards (including the establishment of exposure limits for each origination application), analyzing ACH Origination processing alternatives, and establishing effective and secure procedures for day-to-day operations and customer service.
 

Financial institutions of all sizes need to be aware of ACH risk factors, and each financial institution needs to manage their risk to minimize potential losses. This session covers risks associated with processing transactions from the RDFI side as well as how to mitigate these risks.