EPayResources Admin / Friday, February 27, 2026 / Categories: Products ODFI Direct Access Oversight & Approval ODFI Direct Access Oversight & Approval focuses on how ODFIs evaluate, approve, and oversee Direct Access relationships, where an Originator, Third-Party Sender, or Third-Party Service Provider transmits entries directly to the ACH Operator using the ODFI’s routing number and settlement account. This course explains what distinguishes Direct Access from traditional file transmission and why that distinction matters. Learners examine how Direct Access alters the ODFI’s operational visibility while leaving warranties, settlement responsibility, and liability unchanged. The course also addresses approval authority, including when senior management approval may be sufficient and when board-level or board-committee approval is required. Through applied examples and sorting activities, the course reinforces how ODFIs identify Direct Access arrangements, assess associated risks, and build oversight expectations into their risk-management and vendor-management frameworks. Learners also explore reporting obligations, exposure considerations, and why oversight must remain active even when the ODFI does not touch the file. Estimated learner time: 15•20 minutes, depending on pace and interaction with the activities and scenario. This course is designed for ACH operations staff, risk and compliance professionals, treasury management teams, and others responsible for approving Direct Access arrangements and ensuring ongoing oversight of origination activity conducted outside the ODFI’s transmission environment. This course is available exclusively to members of ePayResources. Item Number - LMSM2609 Previous Article Minimum Underwriting Standards ACH Operations Next Article ODFI File Creation & Transmission Print 12 Member Price$0.00Nonmember Price$0.00Image Import URL/Portals/0/Images/Default-Placeholders/Products.jpgiMIS Detail URLhttps://myepay.epayresources.org/itemdetail?iProductCode=LMSM2609