Search Results

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

Ending ACH Origination Relationships focuses on how ODFIs terminate ACH origination activity when risk, performance, or alignment with policy changes. Ending a relationship is not a failure of oversight. It is a governance decision that protects the ODFI, the Network, and other participants.

This course explains the circumstances that lead to offboarding decisions, including sustained performance issues, unmanaged risk, changes in business model, or failure to meet contractual or policy expectations. Learners examine how termination decisions differ from temporary restrictions and why clarity around authority, timing, and communication matters.

Through applied examples and decision scenarios, the course reinforces how ODFIs plan and execute offboarding in a way that limits exposure, supports orderly wind-down, and preserves documentation. Learners also explore why origination activity must stop before agreements are terminated and how settlement, returns, and residual risk are managed during the transition.

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, and others responsible for managing origination risk, enforcing policy boundaries, and executing termination decisions within an ODFI’s origination program.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2619

Education, Monitoring, and Fire Drills for ACH Origination focuses on how ODFIs maintain operational readiness after origination begins. Policies, procedures, and controls lose effectiveness when staff knowledge fades, monitoring becomes routine, or response plans go untested.

This course explains how ongoing education supports consistent decision-making, how monitoring reinforces expectations established during onboarding and underwriting, and why periodic fire drills help teams respond effectively when issues arise. Learners examine how changes in origination activity, staffing, systems, or third-party relationships increase the need for refresher training and readiness testing.

Through applied examples and scenario-based discussions, the course reinforces that fire drills are not indicators of failure. They are deliberate exercises that expose gaps, clarify roles, and strengthen response coordination before real events occur. Learners also explore how education, monitoring, and preparedness work together to support timely escalation and effective risk management.

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, and others responsible for maintaining ongoing readiness and oversight within an ODFI’s ACH origination program.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2618

ACH Origination Settlement in Practice focuses on how ACH settlement functions from the origination side and how funding, timing, and exposure affect the ODFI and its origination partners. Settlement is not a back-office afterthought. It is the point where operational decisions translate into financial obligation.

This course explains how entries settle through the ACH Network and how the ODFI’s settlement responsibilities extend beyond the Network to Originators and third-party relationships. Learners examine the relationship between file timing, settlement windows, prefunding expectations, and liquidity management, as well as how Same Day Entries and unexpected volume changes can increase pressure on settlement processes.

Through applied examples and knowledge checks, the course reinforces how origination activity, exposure limits, and partner behavior directly influence settlement outcomes. Learners explore why settlement failures are often symptoms of upstream issues in underwriting, monitoring, or oversight, and why addressing those root causes matters more than reacting after the fact.

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 managing origination activity, funding expectations, and settlement exposure within an ACH program.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2612

ACH Operations: ODFI is a comprehensive, operations-focused course designed for financial institutions that originate Entries and bear the warranties, settlement responsibility, and risk that come with that role.

The course follows the full lifecycle of an ACH origination program—from policy and board engagement, through underwriting and onboarding, into monitoring, Direct Access oversight, and ultimately offboarding and relationship termination. Rather than treating these topics as standalone concepts, the course emphasizes how decisions made early in the program shape exposure, operational workload, and escalation paths later.

Learners work through real-world scenarios, knowledge checks, and decision exercises that reflect how ODFIs evaluate risk, respond to red flags, manage Third-Party relationships, and maintain alignment with board-approved policy and risk appetite. The focus stays on judgment, documentation, and accountability—not theory alone.

This course is structured as 20 discrete micro-sessions, each designed to be completed in under 20 minutes. Learners may complete units individually or progress through the full course in sequence. Estimated learner time: Approximately 6•7 hours, depending on pace, review, and interaction with scenarios and knowledge checks.

This course is well-suited for ACH operations staff, risk and compliance professionals, treasury management teams, and others involved in originating Entries or overseeing origination programs at an ODFI.

Item Number - LMSR2600