Loading Events

« All Events

  • This event has passed.

How to Conduct an ACH Risk Assessment and Develop an Effective ACH Risk Management Program

June 11 @ 8:30 am - June 12 @ 12:30 pm CDT


Financial Institutions, Third Party Service Providers and Third-Party Senders who process ACH transactions can encounter a variety of risks such as credit, fraud and operational. According to the NACHA Operating Rules, financial institutions are required to assess and manage all ACH risks, particularly when the institutions engage in riskier ACH activities. The risk of fraud can be mitigated through proper due diligence for all originating customers and strict adherence to ACH and credit policies.

ODFI’s and RDFI’s are exposed to a variety of risks when originating, receiving, or processing ACH transactions, or outsourcing these activities to a third party. Financial Institutions should use guidance provided by FinCEN, the FFIEC and the OCC (in addition to the Rules developed by NACHA) to develop an ACH Risk Management program that reflects the nature and complexity of their activities.

Why Should You Attend:

This workshop will include a hands-on activity where participants can “assess the risk” of fictitious companies and third parties to help identify the importance of due diligence, setting exposure limits and adhering to the financial institutions ACH Policies on Origination and Receipt of ACH Entries. Exposure limits should be appropriate for the risks of each customer and identifying potential companies who may require the use of pre-funding arrangements or reserves (which can be effective in helping to control losses).

This workshop will identify the guidance provided and provide resources for effectively managing ACH Risk in the future. In this session, we will outline the key components of an effective ACH risk management program while participating in developing that program in a fictitious scenario.

The workshop will provide the details on the NACHA Operating Rules for conducting an ACH Risk Assessment and developing an effective Risk Management Program for the participants in the Network who are required to perform this task. In addition, details on guidance from FinCEN, the FFIEC and the OCC will be discussed. ACH Policies and the importance of them, reporting to the Board regarding your ACH program, and registration requirements (according to NACHA) for the ODFI will be included. A “must-attend” event!

Areas Covered in the Seminar:

  • How the ACH Network functions
  • NACHA Operating Rules on conducting an ACH Risk Assessment
  • Developing an effective ACH Risk Management Program
  • The different types of Risk and ways to mitigate
  • What’s needed for a successful ACH Risk Management Program
  • The importance of monitoring the entire ACH program on a consistent basis
  • The importance of Reporting details relating to the ACH Program to the Board
  • Registration requirements with NACHA

Who will Benefit:

Any payments professional working in the ACH Network will benefit from this course; these individuals could include operations, compliance, AR/AP, payroll, risk management, audit, legal counsel, management, risk officers, and AAP’s.

Field of Study:

  • Auditing: 6 CPE Credits
  • Management Advisory Services: 6.4 CPE Credits
  • Specialized Knowledge and Applications: 2 CPE Credits
  • Total CPE credits earned in this workshop: 14.4 CPE Credits

Program Delivery Method: Group-Live
Program Level: Intermediate
Advance Preparation/Program Prerequisites: Basic understand of the ACH Network including transaction flow and risk.


June 11 @ 8:30 am
June 12 @ 12:30 pm


Compliance Online


San Diego, CA
San Diego, CA United States + Google Map