Audits & Risk Management

ACH Audit Guide

Electronic Version

Electronic Publication:The 2024 ACH Audit Guide is a publication designed to assist financial institutions 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 ACH audit along with reviewing sound business practices, related compliance areas, online banking products, and government benefit payments. An audit preparation checklist is included to assist in gathering information needed for review. The document includes tools to help the auditor understand ACH participants, payment applications, and recent revisions to the Nacha Operating Rules.
 
Note: This product is intended for One-Time Use. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.


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Guide for Completing Your ACH Risk Assessment

Electronic Format

Electronic Publication: The Guide for Completing Your ACH Risk Assessment is a publication designed to assist financial institutions in completing a step-by-step assessment. Each financial institution is required to perform a risk assessment of its ACH activities and implement a risk management program in accordance with the requirements of its regulators. Individual sections within the document address: risk management systems and controls, credit risk, high-risk activities and direct access to the ACH Operator, compliance and transaction risk, vendor and third-party management, information technology and information security, and business continuity. A pre-assessment checklist and guide directions are included to assist the assessor. The document includes tools to help the assessor understand ACH participants and payment applications. 

Note: This product is intended for One-Time Use. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.


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ACH Audit Guide for Third-Party Service Providers & Third-Party Senders

Electronic Format

Electronic Publication: The 2024 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 ACH Rules Compliance Audit along with reviewing sound business practices, related compliance areas, online banking products, and government benefit payments. An audit preparation checklist is included to assist in gathering information needed for review. The document includes tools to help the auditor understand ACH participants, payment applications, and recent revisions to the Nacha Operating Rules.

Note: This product is intended for One-Time Use Only by Third-Party Service Providers and/or Third-Party Senders. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.



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Guide for Completing a Third-Party Sender ACH Risk Assessment

Electronic Format

Electronic Publication: The 2024 Guide for Completing a Third-Party Sender ACH Risk Assessment is a publication designed to assist in completing a step-by-step assessment. Each Third-Party Sender is required to perform a risk assessment of their ACH activities and implement a risk management program in accordance with the requirements of the Nacha Operating Rules. Individual sections within the document address: risk management systems & controls, credit risk, high-risk activities and direct access to the ACH Operator, compliance and transaction risk, vendor & third-party management, information technology & information security, and business continuity. A pre-assessment checklist and guide directions are included to assist the assessor. The document includes tools to help the assessor understand ACH participants and payment applications. 

Note: This product is intended for One-Time Use Only by Third-Party Senders. This publication is copyrighted and the purchase is good for one use. All digital purchases are final.



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ODFI Audit Checklists for Originators & Third-Party Senders

Electronic Format

Electronic Publication: This tool contains a series of ODFI Audit checklists providing an efficient tool for ODFIs to gauge their Originators/Third-Party Senders understanding and compliance with the ACH Rules. These checklists can be completed by financial institution staff or sent to the Originator and/or Third-Party to complete on its own and then return to the ODFI. Each Audit Checklist is a fillable PDF form for each type of ACH application. Complete or send the forms that are specific to the ACH services your institution originates.

This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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Remote Deposit Capture Risk Assessment Workbook

Electronic Format

Electronic Publication: The RDC Risk Assessment Workbook is a comprehensive, easy-to-use tool designed to assist Financial Institutions in addressing their remote deposit capture risk. The Workbook content mirrors the FFIEC Remote Deposit Capture Risk Management Guidance. The Remote Deposit Capture Risk Assessment Workbook guides you in completing the step-by-step risk assessment questions. The user-friendly Excel worksheet questions are easily answered with Yes, No, or Not Applicable and include room for comments, 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 a useful tool. 

This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF
 
Note: This publication is copyrighted and the purchase is good for one use. All digital purchases are final.


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Wire Transfer Risk Assessment and Audit of Internal Controls Guide

Electronic Format

The 2024 Wire Transfer Risk Assessment and Audit of Internal Controls Guide is a publication designed to assist financial institutions in completing a review of their wire transfer internal controls. Individual sections within the document include risk management controls and oversight, regulatory compliance and transaction risk, vendor management and contingency planning, information technology and security, and credit risk. An assessment questionnaire and guide directions are included to assist the auditor. The document includes tools to help the auditor understand the legal framework of wire transfers.

This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF
 
Note: This publication is copyrighted and the purchase is good for one use. All digital purchases are final.


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ACH Risk Management Handbook, 8th Edition

Various Formats

Hardcopy: The 8th edition provides the latest information on Nacha’s strategies to identify and mitigate risks and provides recommendations for developing an effective risk management program for any organization involved in the creation or processing of ACH transactions. The threats to ACH payments are not unique to the ACH Network and the lessons learned can be applied to create a holistic payments 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.

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.

 



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ODFI Risk Management Guide

Electronic Format

Electronic Publication: The purpose of this guide is to provide an easy to comprehend understanding of the risks of the ODFI (Originating Depository Financial Institution). It is designed to assist users with identifying and mitigating ODFI risk when operating in the ACH environment.

This guide contains the following attachments:

  • 20-page ODFI Risk Management Guide
  • ODFI Risk Management Checklist
  • ACH Origination Approval Form
  • ACH Exposure Limit Change Request Form
  • ACH Originator Signature Agreement
  • Company ACH Transmittal Letter
  • ACH Origination Activity Review Form
  • ACH File Confirmation Form
  • ACH Security Framework Guidance and Checklists

Format: PDF/Word



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

Various Formats

Hardcopy: The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.

via App(E-book): This Adobe-based product requires a third-party app called Flux Player to allow the content to be redeemed, downloaded to, and accessed only within the app. The content is read-only, E-book display is identical to the hard copy book. Once a Flux Player account app has been created and the content is redeemed within the Flux Player app, the content can be accessed on up to two devices using the same app account. Works on PC/Windows, Mac (OSX), Android phones and tablets, Apple IOS, and Kindle.

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

Note: All digital purchases are final.



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