EPayResources Admin / Friday, February 27, 2026 / Categories: Products ODFI File Creation & Transmission ODFI File Creation & Transmission focuses on how ACH files are created, validated, and transmitted within an ODFI’s origination program. File handling decisions occur upstream of settlement and returns, but they directly influence exposure, error rates, and downstream exceptions. This course explains the components of ACH files, the roles involved in file creation, and the transmission paths used to deliver entries to the ACH Operator. Learners examine how origination agreements, third-party arrangements, and direct access structures affect who builds the file, who transmits it, and what controls apply at each stage. The course reinforces that transmission mechanics do not determine responsibility. The ODFI remains accountable for the entries it originates. Through applied examples and knowledge checks, the course highlights common points of failure, including incomplete validation, unclear handoffs, and assumptions about who is performing which function. Learners also explore how documentation, testing, and monitoring support consistent file creation and reduce avoidable risk. Estimated learner time: 15•20 minutes, depending on pace and interaction with the knowledge checks. This course is designed for ACH operations staff, risk and compliance professionals, and others responsible for overseeing file creation processes, transmission methods, and control alignment within an ODFI’s origination program. This course is available exclusively to members of ePayResources. Item Number - LMSM2616 Previous Article ODFI Direct Access Oversight & Approval Next Article ODFI Onboarding and Know Your Customer Print 11 Member Price$0.00Nonmember Price$0.00Image Import URL/Portals/0/Images/Default-Placeholders/Products.jpgiMIS Detail URLhttps://myepay.epayresources.org/itemdetail?iProductCode=LMSM2616