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Real-Time Payments: Risk, Rules and Regulations

Electronic Resources License: Included
Additional Information:
We've partnered with The Payments Professor to bring your organization up-to-speed on RTP®! This curriculum includes 24 on-demand micro-course recordings totaling approximately 170 minutes and Real-Time Payments: Risk, Rules and Regulations workbook! Learn about RTP® Rules and compliance considerations when applying EFTA (Electronic Funds Transfer Act), UCC4A, FFIEC, OFAC and CFPB rules and regulations to the RTP® payment system. Participant responses, fraud reporting, risk & fraud controls, customer due diligence and customer identification programs, RTP® audits, rules enforcement and categories of violations are also covered. After completing the curriculum, participants receive a certificate of completion. This curriculum is also included in the EPCOR Electronic Resources License, allowing all employees at subscribing organizations access to our on-demand library for one low fee. You may also be interested in our FedNow™, Know Now curriculums.
CEU INFORMATION: 3.41 AAP/APRP credits
$325.00
$650.00
Available for Immediate Download

ACH 101: ACH Participants and Transaction Flow (SELF-PACED)

Electronic Resources License: Included
Additional Information:
EPCOR has started to take the current 101 courses and break them down into micro-courses that will only take 15-20 minutes to complete. This new course is great for someone new to the ACH Network. They will learn the five key participants to an ACH transaction as well as how the transactions flow through the network.
CEU INFORMATION: N/A
$225.00
$450.00
Available for Immediate Download

ACH 102: Recognizing an ACH Transaction (SELF-PACED)

Electronic Resources License: Included
Additional Information:
New! EPCOR is breaking down our classic 101 courses into micro-courses that will only take 15-20 minutes to complete. This second micro-course in the ACH series is great for someone new to the ACH Network. This basic course is intended to introduce the learner to ten of the standard entry class codes (SEC codes) used in the ACH Network and help the learner understand the reason behind using various SEC codes. How to differentiate ACH transactions from transactions posted through other processing channels will also be covered. After completing this course, you will be able to identify the ten most common types of standard entry class codes processed through the ACH Network and, given a scenario, identify an ACH transaction by looking at an account history. ACH 101- ACH Participants and Transaction Flow is recommended as a pre-requisite to this course.
CEU INFORMATION: N/A
$225.00
$450.00
Available for Immediate Download

ACH 103: Legal Framework (SELF-PACED)

Electronic Resources License: Included
Additional Information:
This new ACH series breaks down our classic 101 on-demand courses into micro-courses that take only 15-20 minutes to complete and is ideal for payments professionals new to the ACH Network. This course explains the legal framework that governs the ACH Network, including the ACH Rules and other laws and regulations that have a direct bearing on the ACH Network. After completing this course, you will be able to identify the laws, rules and regulations governing the ACH Network and describe their purpose. ACH 101- ACH Participants and Transaction Flow and ACH 102: Recognizing an ACH Transaction are recommended as pre-requisites to this course.
CEU INFORMATION: N/A
$225.00
$450.00
Available for Immediate Download

ACH 104: Same Day ACH (SELF-PACED)

Electronic Resources License: Included
Additional Information:
This new ACH series breaks down our classic 101 on-demand courses into micro-courses that take only 15-20 minutes to complete and is ideal for payments professionals new to the ACH Network. This course covers the basics of Same Day ACH transactions from both the RDFI and ODFI perspectives and explains how Same Day ACH entries are processed. After completing this course, you will be able to determine which transactions are eligible to be originated as Same Day ACH transactions, identify incoming Same Day ACH transactions and determine when funds must be made available to account holders. ACH 101- ACH Participants and Transaction Flow, ACH 102: Recognizing an ACH Transaction and ACH 103: Legal Framework are recommended as pre-requisites to this course.
CEU INFORMATION: N/A
$225.00
$450.00
Available for Immediate Download

ACH 201: Authorizations & Agreements (SELF-PACED)

Electronic Resources License: Included
Additional Information:
The ACH 201 on-demand series breaks down intermediate level ACH network topics into micro-courses that take only 15-20 minutes to complete. The ACH 101 series, or ACH network experience, is recommended as a pre-requisite to this series. The ACH Rules are based on contract law, binding participants through agreements. This course explains authorization and agreement requirements as prescribed by the ACH Rules and how those requirements define the responsibilities of each participant. After completing this course, you will be able to determine what agreements and/or authorizations are required according to ACH participant relationship, account type (consumer, non-consumer or both) and Standard Entry Class (SEC) code.
CEU INFORMATION: .4 AAP/APRP
$225.00
$450.00
Available for Immediate Download

ACH Origination Agreement Checklist for FI's

Electronic Resources License: Included
Additional Information:
This checklist may be used as a resource when drafting your ACH Origination Agreement. The topics included in the checklist are general topics that may not be consistent with the way your Financial Institution operations. This checklist may not appropriately address all the laws or regulations specific to the state where your Financial Institution is locates and is not intended to constitute legal advice. (2023)
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
$25.00
$50.00
Available for Immediate Download

ACH Quick Reference Guide (ELECTRONIC)

Electronic Resources License: Included
Additional Information:
An everyday operational resource for ACH information, this easy-to-use guide is updated with the very latest information, including ACH Rules compliance and the special handling of IAT entries. The guide provides RDFI responsibilities and obligations outlined in an easy-to-reference format. Return Reason Codes, Notification of Change Codes and an ACH Terms Glossary are included. Financial institutions have found it to be a valuable education tool when training new operations employees. (2024)
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
$0.00
$100.00
Available for Immediate Download

ACH Risk Management: The Lender's Perspective

Electronic Resources License: Included
Additional Information:
The risks of ACH origination can not be mitigated by the operations department alone. Any person or department that plays a role in initiating ACH payments on behalf of a financial institution or offers origination services to account holders is also responsible for the many risks associated with utilizing the ACH network. This course focuses on the role that lenders can take in the mitigation of ACH risk. Learn how to identify the risks associated with ACH origination from a lender's perspective and how to apply your ACH credit policy to proactively manage risk in line with your institution's risk appetite. The importance of proper authorizations, creditworthiness, exposure limits and other mitigating factors are covered. This course also includes a reference for you to print out and keep as a handy guide.
CEU INFORMATION: N/A
$225.00
$450.00
Available for Immediate Download

ACH Risk Mngmt.:Community Bank Board Lecture (SELF-PACED)

Electronic Resources License: Included
Additional Information:
Federal and state regulators require bank boards to be involved in the oversight of ACH Risk Management. This lecture course, specifically developed for community bank board members, explains why it is critical for the bank board to be involved in a financial institution's ACH Risk Management Program. Attendees will define the risks associated with ACH origination while identifying the Network's governing rules and regulations, then outline board member responsibilities related to the institution's ACH Risk Management Program as required by regulators.
CEU INFORMATION: .6 AAP/APRP
$225.00
$450.00
Available for Immediate Download