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Policy & Board Engagement ACH Operations focuses on the foundational role policy and governance play in every ACH origination program. Before an ODFI underwrites an Originator, transmits a File, or monitors activity, the board must define the risk boundaries within which those decisions occur.

This course explains how board-approved policy sets expectations for origination scope, risk appetite, reporting, and accountability—and how management translates those expectations into operational practice. Learners explore what boards reasonably expect to review and approve, how policy should age as ACH programs evolve, and where governance breakdowns create downstream risk.

Through scenario-based decision points and applied examples, the unit reinforces that ACH policy is not static documentation. It is an active governance tool that guides underwriting decisions, limits exposure, and determines when management must return to the board before new activity begins.

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

This course is well-suited for ACH operations staff, risk and compliance professionals, treasury management teams, and anyone involved in establishing or maintaining board oversight of ACH origination activities.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2600

ODFI Responsibility & Due Diligence focuses on the obligations an ODFI assumes when it originates ACH entries and how due diligence supports those responsibilities over time. Responsibility does not begin with the first file, and it does not end once an Origination Agreement is signed.

This course explains what ODFIs are responsible for approving, monitoring, and reassessing throughout the life of an origination relationship. Learners examine the core components of due diligence, including pre-approval documentation, authorization practices, exposure limits, return-rate monitoring, and ongoing reviews. The course emphasizes that due diligence is not a checklist exercise. It is an ongoing process tied directly to risk ownership.

Through applied scenarios and decision exercises, the course reinforces how changes in business model, volume, products, or behavior can expand risk even when performance metrics remain stable. Learners also explore why longevity does not expand contractual authority and how origination activity can drift beyond what was originally approved if oversight weakens.

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

This course is designed for ACH operations staff, risk and compliance professionals, treasury management teams, and others responsible for approving, monitoring, or reassessing ACH origination relationships at an ODFI.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2603

ODFI Oversight of Third Party Relationships focuses on how ODFIs fulfill their ongoing responsibility to monitor Third Party Senders and Third Party Service Providers after origination begins. Whether a third party builds the file, transmits entries, or supports downstream Originators, the ODFI retains responsibility for the risk introduced through that relationship.

This course explains what effective oversight looks like in practice, including return-rate monitoring, exposure limit review, authorization controls, business continuity expectations, and responsiveness to exceptions. Learners examine how oversight must adapt as third party activity, volumes, products, or business models change even when no formal request for expansion has been made.

Through applied scenarios and red-flag analysis, the course reinforces that oversight is proven under pressure, not during smooth operations. Learners explore common warning signs that warrant closer review and how multiple indicators, taken together, should prompt escalation, restriction, or reassessment of the relationship.

Estimated learner time: 15•20 minutes, depending on pace and interaction with the scenario. This course is designed for ACH operations staff, risk and compliance professionals, vendor management teams, and others responsible for monitoring third party relationships and ensuring that origination activity remains aligned with policy, contractual authority, and the ODFI’s risk appetite.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2607

ODFI Onboarding and Know Your Customer focuses on how ODFIs onboard customers for ACH origination and apply KYC practices in a way that supports risk-based decision-making. Onboarding is a defined process, and the information gathered at that stage shapes underwriting, monitoring, and oversight decisions that follow. It establishes the foundation for underwriting, monitoring, and long-term oversight.

This course explains how customer onboarding intersects with ACH origination responsibilities, including understanding the origination partner’s business purpose, expected activity, authorization methods, and use of third parties. Learners examine how onboarding decisions affect exposure limits, monitoring expectations, and the ODFI’s ability to respond when activity changes or issues arise.

Through applied examples and decision points, the course reinforces that KYC for ACH origination extends beyond identity verification. Effective onboarding requires aligning customer information with intended ACH use, documenting expectations, and recognizing when gaps in understanding increase downstream 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, treasury management teams, and others responsible for onboarding customers and establishing ACH origination relationships at an ODFI.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2617

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