Risk

APRP Preparation Publications Package

Various Formats

The Accredited Risk Payments Professional (APRP) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the APRP examination, administered once in the fall each year, the following recommended texts are offered:

 

APRP Preparation Publications Package includes:

  • ACH Rules Book – Hardcopy, Online Resource Code, or eBook via App
  • ACH Compliance Manual – Hardcopy or eBook via App
  • Revised Uniform Commercial Code Article 4A and the ACH System – Hardcopy or eBook via App
  • ACH Risk Management Handbook - 9th Edition – Hardcopy
  • APRP Flashcards – Electronic Version
  • RiskPro™ (Online) – Electronic Version

* The ACH Rules Book (Annual access to this publication runs from December 31, 2024 – December 31, 2025.), ACH Compliance Manual, ACH Risk Management Handbook, and the Revised Uniform Commercial Code Article 4A and the ACH System are available in various formats. Such as Hardcopy, Online Resource Code, or eBook via App. 

* The APRP Flashcards and RiskPro™ (Online) are available electronically only. 

Hardcopy: Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs while maintaining a clear understanding of network requirements.

The Rules include the legal framework for the ACH Network and the basic obligations of each ACH Network participant. Additionally, the included appendices contain details on Rules enforcement, annual audit requirements, a complete table of return reason codes, and formatting specifications.

The Guidelines expand on the Rules, providing complete discussions of each ACH Network participant type and its role and responsibilities, detailed overviews of the Standard Entry Class Codes, and use-case examples in special topic areas, such as Third-Party Service Providers.

Online Resource(web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:

  • Customized Bookmarking
  • Keyword/Phrase Search
  • Copy options
  • Printing options

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.



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ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: Designed to assist Financial Institutions, both RDFIs and ODFIs, in addressing ACH risk, this workbook covers risk obligations as defined in OCC Bulletin 2006- 39, ACH Risk Management Guidance, the FFIEC Retail Payment Systems IT Examination Handbook and current ACH Rules. Chapters include System and Controls, Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers, Fraud Risk, Operational and Transaction Risk, and Information Technology Risk. Recent updates address data security, personnel practices, physical security, operational controls, credit risk related to Originator due diligence and Business Continuity planning and testing. By completing user-friendly worksheets, this workbook will identify strengths and weaknesses in your existing ACH risk management program and assist with the development of a comprehensive risk management program. Compliance officers, audit personnel and operations staff will find this to be a valuable tool. 

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 Risk Management Handbook, 9th Edition

Hardcopy

Hardcopy: The newly updated 9th edition offers essential insights into Nacha’s strategies for identifying and mitigating risks associated with ACH payments. This publication provides comprehensive recommendations for developing an effective risk management program tailored for organizations involved in ACH transactions. Importantly, the threats to ACH payments are not unique to the ACH Network; the lessons learned can be applied to create a holistic payments risk management program. The edition includes the latest 2024 Rules focusing on credit push fraud and offers methods to address evolving fraud tactics. Additionally, real-world case studies in each chapter illustrate practical applications of the concepts discussed, helping organizations evaluate and enhance their risk management practices.

 



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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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Reg E All-in-One Resource Guide

Electronic Format

Electronic Publication: Does your financial institution have the appropriate procedures and documentation in place to effectively comply with Regulation E error resolution requirements? Compliance is a necessity for all financial institutions. Don’t spend your valuable time writing and creating documents! The Regulation E Resource provides essential sample documents you need to establish or enhance your Regulation E error resolution processes and maintain compliance:

  • Regulation E Error Resolution Procedures
  • Electronic Funds Transfer Error Resolution Log
  • EFT Error Resolution Timeline Quick Reference Chart
  • Regulation E Employee Training Log
  • EFT Statement of Dispute
  • Sample Notification Letters

This resource comes with one license and is intended for use by the purchasing organization only. 

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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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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RiskPro (Online)

Electronic Format

Electronic Publication:RiskPro™ is a self-paced, computer-based training program developed to increase your knowledge of payments risk. RiskPro has been developed to promote knowledge of the risk payments systems pose to the industry. RiskPro was designed to make learning fun.

Why Should You Purchase RiskPro™?
Updated annually to reflect the latest changes in the payments landscape and the risks they pose, the program is valuable for payments professionals, risk professionals, and new employees alike. Challenge yourself and test your knowledge using RiskPro's™ game and scorekeeping features or use it to train others.

RiskPro™ Challenges your knowledge in two ways: Game Mode & Test Mode

RiskPro™ Game Mode is a fun, interactive program, which tests your skills in six competency areas:
• Payments Risk
• Fundamentals of Risk Management
• Risk Policy and Governance
• Risk Management and Controls
• Physical and Information Security
• Regulatory Environment

Organized around the game board, you can play the practice game-winning game money and get coached along the way with feedback on your answers.

In the RiskPro™ Test Mode timed test, you will complete all the questions and receive a score rating your performance in each category. The test is all multiple-choice, and you will complete a "blacken the dot" form as you answer questions, just like in a real standardized test situation.

So whether you are looking to brush up on your payment systems skills or start a foundation that you can build upon, RiskPro™ is an essential tool for your professional development.

User Access opens in early April and closes December 31, 2025. 

Registration closes on August 30, 2025.



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Third-Party Sender ACH Risk Assessment Workbook

Electronic Format

Electronic Publication: The Third-Party Sender ACH Risk Assessment Workbook is designed to assist Third-Party Senders of all types in addressing their ACH risk. Content of the Workbook includes risk obligations as defined in the OCC Bulletin 2006-39, ACH Risk Management Guidance, the FFIEC Retail Payments Systems' IT Examination Handbook, FFIEC Guidance to Internet Banking and the current Nacha Rules. By answering yes, no, or not applicable, this Workbook will identify strengths and weaknesses in your existing ACH risk management program. Individual chapters address System and Controls, Credit Risk, Compliance Risk, High-Risk Activities, Third-Party Service Provider Risk, Operational & Transaction Risk and Information Technology Risk. EPCOR’s Third-Party Sender ACH Risk Assessment Workbook guides you in evaluating the Third-Party Sender’s risks by asking thought-provoking questions about its current ACH policies, procedures and processes. The 2025 Third-Party Sender ACH Risk Assessment Workbook has been updated for the 2025 Nacha Rules User-friendly worksheet questions are easily answered and include room for comments, to assist in developing a comprehensive ACH risk management program for your company. Compliance officers, audit personnel and operations staff within your organization will find the Workbook a valuable tool. 

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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Wire Risk Assessment for Financial Institutions

Electronic Format

Electronic Publication: Wespay’s Wire Risk Assessment for Financial Institutions is designed to provide financial institutions with a template to complete an assessment of the risks related to its Wire Transfer services, including Remittance Transfers. It includes common risks faced by institutions and Wespay encourages your organization to use it as a starting point to customize this assessment by adding, subtracting, and/or modifying these common risks to best reflect the risks faced by your business.

This publication is formatted as a PDF document with an introduction, instructions, and a link to the interactive Excel workbook.
 
Note: This publication is copyrighted and the purchase is good for one use. All digital purchases are final.


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