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Evaluating Risk & Controls in ACH Origination

Evaluate Risks & Controls in ACH Origination focuses on how ODFIs assess whether their existing controls continue to reduce risk as ACH origination activity evolves. Once an origination partner is approved, the work shifts from deciding whether to originate to confirming that controls still align with real-world activity.

This course explains how exposure limits, file-level controls, behavioral monitoring, and operational procedures work together to manage risk. Learners examine why controls designed for earlier conditions may lose effectiveness as volumes increase, products expand, or origination behavior changes—even when no single metric appears alarming on its own.

Through applied examples and knowledge checks, the course reinforces that unchanged controls are not a neutral outcome. Leaving limits, procedures, or monitoring logic in place while activity evolves is a decision that carries accountability. Learners also explore how cross-functional involvement—from operations and IT to BSA/AML and compliance—supports effective control evaluation.

Estimated learner time: 15•20 minutes, depending on pace and interaction with the knowledge check. This course is designed for ACH operations staff, risk and compliance professionals, and others responsible for monitoring origination activity, evaluating control effectiveness, and ensuring that ACH programs remain aligned with policy, capacity, and risk appetite.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2604

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