In the ACH Network, not every Third-Party Service Provider is a Third-Party Sender. Misidentifying the role, however, can expose ACH participants to compliance gaps, elevated risk, and registration failures. Identifying Third-Party Senders gives learners a structured, Rules-based way to determine when a Third-Party Service Provider crosses the line into Third-Party Sender status and why that distinction matters.
The course walks through the core ACH participant model and then layers in Third-Party Service Providers, Third-Party Senders, and Nested Third-Party Sender relationships. Learners apply a five-question method grounded in the Nacha Operating Rules to identify the true Originator based on the underlying obligation rather than assumptions about who prepares or transmits a file. Interactive scenarios reinforce how origination agreements, payment flows, and participant roles intersect, and where ODFIs, Originators, and Third-Party Service Providers most often get it wrong.
This self-paced, on-demand eLearning is intentionally designed to engage learners through narrated instruction, visual models, and scenario-based decision points. By the end of the course, learners can distinguish TPSPs from TPSs, analyze real-world arrangements, recognize ODFI triggers and telltale indicators, and understand Third-Party Sender registration and oversight obligations.
Estimated time to complete: approximately 90 minutes
Continuing education: This course qualifies for 1.8 continuing education credits toward AAP, APRP, and AFPP accreditation maintenance.
AAP/AFPP/APRP Credits: Up to 1.8
Item Number - LMSR2539