Search Results

Using the Risk Management Portal in ACH Origination focuses on how ODFIs fulfill their responsibilities within the Nacha Risk Management Portal and use available databases to support risk-based decision-making throughout the life of an ACH origination relationship. Some Portal components require affirmative action by the ODFI, while others are optional tools that inform judgment.

This course explains the ODFI’s obligation to make declarations in the Third-Party Sender and Direct Access databases—even when no such relationships exist—and to maintain accurate contact information in the ACH Contact Registry. Learners also examine how optional databases may be consulted to add context to underwriting, monitoring, and escalation decisions, and why choosing not to consult an available resource remains a risk decision.

Through applied examples and decision points, the course reinforces how ODFIs document required declarations, interpret database results in context, and distinguish between an empty search result and no search at all. The emphasis remains on accountability, documentation, and informed judgment rather than mechanical compliance.

Estimated learner time: 15•20 minutes, depending on pace and interaction with the examples and knowledge checks. This course is designed for ACH operations staff, risk and compliance professionals, and others responsible for meeting Risk Management Portal requirements, evaluating origination risk, and documenting risk-based decisions.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2614

Risk Assessment for ACH Origination focuses on how ODFIs identify, evaluate, and reassess risk as ACH origination activity changes over time. An effective risk assessment is not a static document created for audit purposes. It is a working tool that must evolve as origination partners, transaction volumes, products, systems, and settlement behavior change.

This course examines how risk enters the ODFI through origination partners, internal operations, and settlement and liquidity exposure. Learners explore how changes such as increased volume, new SEC Codes, Same Day Entries, or shifts in partner behavior alter the ODFI’s risk profile even when existing controls appear to be working.

Through applied examples and knowledge checks, the unit reinforces that identifying risk is only the starting point. When origination activity changes, the risk assessment must trigger a response, whether that means adjusting exposure limits, strengthening controls, or escalating review. Leaving controls unchanged while activity evolves is a decision that carries accountability.

Estimated learner time: 15•20 minutes, depending on pace and interaction with the scenario and knowledge checks.

This course is designed for ACH operations staff, risk and compliance professionals, and others responsible for evaluating origination activity, monitoring exposure, and ensuring that ACH programs remain aligned with board-approved policy and risk appetite.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2602

Revenue Considerations in ACH Origination focuses on how ODFIs evaluate whether ACH origination activity generates sustainable revenue relative to the operational, compliance, and risk burdens it creates. Origination programs that look profitable on the surface may become fragile when revenue concentration, volume stress, or hidden costs go unexamined.

This course explains how revenue significance, transaction volume, fee structures, and capital alignment interact within an ACH origination program. Learners examine how Same Day Entry fees, processing costs, and uncompensated services can quietly erode margins, even when origination volumes increase.

Through applied knowledge checks, the course reinforces that revenue is not static. Concentration risk, unpredictable volume, and rising operational demands can shift the balance quickly. Learners also explore why pricing decisions, partner mix, and product strategy must align with the ODFI’s risk appetite and capital capacity.

Estimated learner time: 15•20 minutes, depending on pace and interaction with the knowledge checks. This course is designed for ACH operations staff, treasury management teams, risk and compliance professionals, and others responsible for evaluating the financial sustainability of ACH origination programs.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2606

Red Flags and Trigger Points for ODFI Review focuses on how ODFIs recognize, categorize, and respond to indicators that origination risk may be changing. Not every unusual pattern requires immediate action, but some signals demand closer review, escalation, or reassessment of earlier decisions.

This course explains how red flags emerge through monitoring activity, return patterns, file behavior, and third-party relationships. Learners examine how indicators can fall into different response categories, such as immediate escalation, closer monitoring, reevaluating underwriting assumptions, or determining that an issue is explainable and low risk. The emphasis is on judgment, not rigid thresholds.

Through applied sorting exercises and scenario-based decisions, the course reinforces that escalation is an internal governance decision, not a reaction to external pressure. Learners explore how multiple indicators taken together often matter more than a single data point and why waiting for confirmation from an Originator or third-party can delay necessary action.

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, and others responsible for monitoring origination activity, evaluating warning signs, and determining when changes to oversight, controls, or approvals are warranted.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2608

Practices & Procedures That Work for ACH Origination focuses on how ODFIs translate policy, risk assessment, and oversight decisions into effective day-to-day operational practices. Well-written procedures do more than document requirements. They guide staff responses, support consistency, and reduce the risk of error when conditions change.

This course examines how ACH practices and procedures should align with board-approved policy, origination agreements, and the ODFI’s operational reality. Learners explore key procedural areas such as file creation and transmission, exception handling, notification of change processing, reversals, returns, and coordination across internal teams and third-party relationships.

Through applied examples and knowledge checks, the course reinforces why procedures must evolve as origination activity, products, and systems change. Static or outdated procedures create operational gaps, while overly rigid procedures fail when judgment is required. Effective procedures balance clarity with flexibility and are designed to work under real-world conditions.

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 maintaining, executing, or reviewing ACH origination procedures within an ODFI.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2611