On-Demand

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.

FPP Certification - Module 2

Validate Your Faster Payments Expertise

Faster payments are here to stay, and with Same Day ACH, RTP®—plus whatever comes next—it’s more important than ever to be prepared.

The Faster Payments Professional (FPP) certificate is a first-of-its-kind program providing professionals with holistic views of faster payments and getting them acquainted with current offerings. Earning this certificate demonstrates your proficiency in the faster payments field. The certificate program will be offered in three (3) separate modules.  Each module will include a series of pre-recorded webinars that allows for self-paced study.  Once each module is complete, there is a short quiz. Once all modules and quizzes are complete, one final certification exam will be offered. 

Each module will be sold separately. Available until March 31, 2025

Module 2: Faster Payments Functionality 

• Authentications
• Authorizations and Agreements
• Operational Functions
• Eligibility and Enrollment Requirements

FPP Certification - Module 3

Validate Your Faster Payments Expertise

Faster payments are here to stay, and with Same Day ACH, RTP®—plus whatever comes next—it’s more important than ever to be prepared.

The Faster Payments Professional (FPP) certificate is a first-of-its-kind program providing professionals with holistic views of faster payments and getting them acquainted with current offerings. Earning this certificate demonstrates your proficiency in the faster payments field. The certificate program will be offered in three (3) separate modules.  Each module will include a series of pre-recorded webinars that allows for self-paced study.  Once each module is complete, there is a short quiz. Once all modules and quizzes are complete, one final certification exam will be offered. 

Each module will be sold separately. Available until March 31, 2025

Module 3: Operations, Fraud, Risk, Legal & Regulatory Considerations

• Operations Management Concepts
  • Liquidity Management
  • Reconciliation & Reporting
  • Notifications, Disclosures & Transparency
  • Customer Support
• Risk Management
  • Types of Risk
  • Risk Mitigation
• Fraud Management
• Legal & Regulatory Compliance Considerations
  • Reg E
  • Reg J
  • Private Sector Rules
  • State and Federal Laws
  • Operating Circular 8 

Micro-Entries Nacha Rule Change-Phase 2 & ACH Risk Management Framework

On-Demand – 2 hours - AAP/APRP Credits 2.4

In light of Phase Two of the Micro-Entry Rule and the ACH Risk Management Framework on credit-push transactions, financial institutions have been placed for many years as the “police” for suspicious and fraudulent transactions and requirements to monitor, identify, be alerted, and mitigate the risks associated with originated and received transactions is becoming more and more difficult. Operating in a manual manner is simply impossible! This session will leave you with a different mindset on managing operational, fraud, liquidity, liability, and systemic risks and how you can tell if an appealingly “normal” transaction may, in fact, be abnormal.

Speaker:
Nanci McKenzie, Juris Masters Financial Regulation & Compliance, AAP, APRP
Executive Vice President, Compliance & Product Strategy
Affirmative Technologies

Nanci holds a Juris Master’s degree in Financial Regulation and Compliance from Florida State University College of Law and a Bachelor of Science degree in Business Information Management from Seminole State College, Sanford, FL. She became an Accredited ACH Professional (AAP) in 2004 and became an Accredited Payments Risk Professional (APRP) in 2018. Nanci is currently pursuing a Master of Legal Studies (MLS) at Drexel University.

2.4 AAP/APRP Continuing Education Credits

P2P Fraud and Disputes

On-Demand - AAP / APRP Credits 0.6

Person-to-person (P2P) transactions have become an integral part of our daily lives. However, with the convenience of digital payments comes the risk of fraud. Join this session as we equip you with essential knowledge on how to effectively handle disputes.

Payments Update and 2024 Rule Book Tabbing

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

Changes are coming. It's inevitable. With all of the payments advancements that took place last year, like the launch of FedNow, the accelerated growth of ACH transactions, and more, we witnessed the changes, and it only follows that more are to come as the industry determines how to best leverage what's new and capitalize on opportunities to support organizational and customer needs. 

Making sure you and your organization understand these changes and developments and how they impact operations, risk mitigation, compliance, and more, is paramount to continued success. That's why SFE offers a deep dive into "all things new in payments" with our Payments Update & 2024 Rule Book Tabbing (formerly "What’s New in Payments") On-Demand Training.

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

Publications:

• 2024 Nacha Operating Rules & Guidelines
• ACH Quick Reference Guide
• ACH Quick Reference Cards for Financial Institutions

3.6 AAP/APRP Continuing Education Credits

Pricing Per Person/Access

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.

SFE Member Fraud Forum: Credit Card Fraud Reaching Disturbing New Levels

On-Demand – 1 Hour

Join us for the On-Demand session of Southern Financial Exchange's first Complimentary Member Fraud Forum, co-sponsored by ThreatAdvice: Credit Card Fraud Reaching Disturbing New Levels, where the following topics were discussed:

• What is Credit Card Fraud?
• Yearly Reports of Credit Card Fraud
• Types of Credit Card Fraud
• Understanding How Credit Card Fraud Occurs
• How to Protect Yourself
• Steps to Take if You’re a Victim of Credit Card Fraud

Complimentary to All SFE Members 

CEUs: 1.2 AAP/APRP 

So You Think you Want to be an AAP?

On-Demand

Are you thinking about becoming an Accredited ACH 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 AAP exam and how to maintain your accreditation once you’ve passed! A synopsis of SFE’s upcoming Summer Study Program will also be provided.

The Rules Have Changed. Have You?

On-Demand – 1.5 hours - AAP/APRP Credits 1.8

The Nacha Operating Rules are being updated to keep up with changing fraud tactics and help the industry fight back. Are you prepared to identify credit-push fraud, protect your customers, and stop fraudsters? Participating in this session will help your organization prepare for the upcoming changes.

Speakers: 

Jordan Bennett, AAP, APRP, Senior Director, Network Risk Management ,Nacha

Diana Gunn, AAP, APRP, President/Chief Operating Officer, EFT BOP, LLC 

Card Training - Two-Part On-Demand Sessions

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

Join us for an informative Card Training Session in relation to Debit Card Fraud, Disputes/Chargebacks and application of Regulation E.

Diana is a veteran financial services trainer and is well respected for her vast knowledge of the card payment industry, ACH Network and EFT Compliance. Audiences welcome her insights on payment trends and emerging payments. Diana’s enthusiasm and passion for all things payments results in a high energy presentation.

Speaker:

Diana Kern
Senior Trainer, Shazam

3.6 AAP/APRP Continuing Education Credits

What Frontline Needs to Know - Two-Part On-Demand Sessions

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

Consistent training in electronic payments is critical to the success of any organization. Your Customer/Member Service Staff is often the first point of contact for account holder questions and inquiries. Can your service staff explain ACH to your customers / members? Is your staff comfortable enough with their knowledge level to sell the safety, efficiency, convenience and cost savings associated with electronic payments? It is important to thoroughly understand the functionality of the ACH Network in order 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, including defining the participants and explaining the transaction flow. An overview of ACH applications and corresponding rules and regulations will be presented to ensure a clear understanding of ACH problem resolution.

Publications:

• 2023 Nacha Operating Rules
• ACH Quick Reference Guide
• ACH Quick Reference Cards for Financial Institutions

3.6 AAP/APRP Continuing Education Credits

Introduction to Cards

On-Demand - AAP Credits 1.0

Credit cards are no longer just about "credit." Debit, pre-paid, payroll and other cards continue to evolve. Multiple regulatory changes are affecting the ever-changing world of plastic. Understanding card processing has become more essential. Join us for this informative webcast as we discuss the fundamentals of card processing. This is a basic overview of Cards and is intended for individuals new to card operations, front line staff and individuals wanting to learn more about cards.

Card Training - Two-Part On-Demand Sessions

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

Join us for an informative Card Training Session in relation to Debit Card Fraud, Disputes/Chargebacks and application of Regulation E.

Diana is a veteran financial services trainer and is well respected for her vast knowledge of the card payment industry, ACH Network and EFT Compliance. Audiences welcome her insights on payment trends and emerging payments. Diana’s enthusiasm and passion for all things payments results in a high energy presentation.

Speaker:

Diana Kern
Senior Trainer, Shazam

3.6 AAP/APRP Continuing Education Credits

So You Think You Want To Become An NCP?

On-Demand

Have you thought about becoming a National Check Professional? By attending this session you will understand the value in becoming an NCP. We will show you what the exam consists of and what you need to do to prepare for the upcoming exam. It is not too early to start preparing for the exam which will be given later this spring. Attend this session and kick-start your preparation!

Check Returns & Adjustments (2 Part Series)

On-Demand - AAP/APRP/NCP Credits 1.8 Each Session

To resolve check returns or adjustment entries, you need to understand which rules apply and if the item will be part of the private exchange or Federal Reserve. This two-part webinar will help you understand the difference between check returns and adjustments, when to return a check or initiate an adjustment, and the difference between adjustments through the Federal Reserve versus ECCHO or private sector.

Understanding RCCs and ECIs

On-Demand - AAP/APRP/NCP Credits 0.6

Remotely Created Checks (RCCs), and Electronically Created Items (ECIs), play an important role in payment processing. To limit your liability, you must know your rights and responsibilities. This lunchtime tip will cover the differences between an RCC and ECI as well as your rights and liabilities. 

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

FPP Certification - Module 1

Validate Your Faster Payments Expertise

Faster payments are here to stay, and with Same Day ACH, RTP®—plus whatever comes next—it’s more important than ever to be prepared.

The Faster Payments Professional (FPP) certificate is a first-of-its-kind program providing professionals with holistic views of faster payments and getting them acquainted with current offerings. Earning this certificate demonstrates your proficiency in the faster payments field. The certificate program will be offered in three (3) separate modules.  Each module will include a series of pre-recorded webinars that allows for self-paced study.  Once each module is complete, there is a short quiz. Once all modules and quizzes are complete, one final certification exam will be offered. 

Each module will be sold separately. Available until March 31, 2025

Module 1: Faster Payments Fundamentals 

• Terminology
• Platforms and Platform Basics
• Defining Participants and Participant Roles
• Technology
• Basic Rules and Regulations

FPP Certification - Module 3

Validate Your Faster Payments Expertise

Faster payments are here to stay, and with Same Day ACH, RTP®—plus whatever comes next—it’s more important than ever to be prepared.

The Faster Payments Professional (FPP) certificate is a first-of-its-kind program providing professionals with holistic views of faster payments and getting them acquainted with current offerings. Earning this certificate demonstrates your proficiency in the faster payments field. The certificate program will be offered in three (3) separate modules.  Each module will include a series of pre-recorded webinars that allows for self-paced study.  Once each module is complete, there is a short quiz. Once all modules and quizzes are complete, one final certification exam will be offered. 

Each module will be sold separately. Available until March 31, 2025

Module 3: Operations, Fraud, Risk, Legal & Regulatory Considerations

• Operations Management Concepts
  • Liquidity Management
  • Reconciliation & Reporting
  • Notifications, Disclosures & Transparency
  • Customer Support
• Risk Management
  • Types of Risk
  • Risk Mitigation
• Fraud Management
• Legal & Regulatory Compliance Considerations
  • Reg E
  • Reg J
  • Private Sector Rules
  • State and Federal Laws
  • Operating Circular 8 

P2P Fraud and Disputes

On-Demand - AAP / APRP Credits 0.6

Person-to-person (P2P) transactions have become an integral part of our daily lives. However, with the convenience of digital payments comes the risk of fraud. Join this session as we equip you with essential knowledge on how to effectively handle disputes.

Account Takeover and FFIEC Guidance

On-Demand - AAP/APRP Credits 1.2

Learn how to protect your corporate and consumer clients and ensure compliance with FFIEC guidelines. This webinar will review online authentication and authorization requirements as well as best practices to avoid account takeovers.

ACH Policies & Procedures (2 Part Series)

On-Demand - AAP / APRP Credits 1.2 Each Session

Keeping current with ACH-related requirements can be a challenge. Regulators at both state and federal levels may require board-approved policies to define the scope, strategy, and risk tolerance of an organization’s ACH service. Good procedures can reduce your exposure to risk. This two-part webinar series will put you on a path to developing your own ACH policies and procedures..

Consumer Transfer Risk

On-Demand - AAP/APRP Credits 0.6

Offering transfers between financial institutions allow consumers to move their money anytime they want. However, there are risks that must be addressed to avoid possible loss or fraud. This lunchtime session will focus on mitigating potential issues.

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.

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.

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

Introduction to Wires

On-Demand - AAP/APRP Credits 1.2

Get a clear understanding of the wire payments network and how they are settled and transmitted at this Wespay webinar. Transaction flow will also be covered. This is an ideal webinar for front-line staff and those new to wire operations.