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This micro session explores the convergence of operational failure and viral amplification, using the 2024 ATM malfunction as a case study. It delves into how a technical glitch within a major U.S. bank’s ATM network allowed users to withdraw funds well beyond their account balances — and how TikTok, acting as an accelerant, turned a contained issue into a full-blown financial and reputational crisis.

We begin by dissecting the operational failure: a breakdown in account validation and internal controls that went unnoticed long enough to be exploited. Then, we shift focus to social media’s role — specifically TikTok — where users rapidly shared withdrawal hacks, “life hack” content, and real-time ATM locations, prompting a surge of activity that overwhelmed systems and drew widespread public attention.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2627

As ISO 20022 adoption accelerates, structured address requirements are becoming the new standard for international wires. With unstructured addresses set to be phased out, failing to adapt could lead to increased payment rejections and processing delays.

This session walks you through what's changing, why it matters, and how to prepare. Through practical examples and case studies, attendees learn how structured and hybrid address formats impact payment processing across different systems and what your organization needs to do to stay compliant.

We also explore how ISO 20022 is reshaping the future of payments, from improved data quality to faster, more efficient cross-border transactions.

Item Number - LMSM2626

Join us for an overview of Nacha's Risk Management Portal in this first session of a four-part series, including the ACH Contact Registry, Third-Party Sender Registration, Direct Access Debit Participation Registration, Terminated Originator Database, and Proof of Audit.

These tools help ensure compliance with Nacha Rules and streamline communication and onboarding with financial institutions.

Item Number - LMSM2628

Is Your Financial Institution Ready? - A business continuity plan is an institution's playbook for responding to unforeseen disruptions to minimize the impact to operations, customers, and employees. During this webinar, we focus on equipping financial institutions with the knowledge to create, review, update, and test their business continuity plan driven learnings.

This course is available exclusively to members of ePayResources.

Item Number - LMSR2608

In this second and final part, we focus on the value unlocked by enriched ACH debits from transaction tagging. This session showcases the benefits for stakeholders in Pay by Bank payments and provides an overview of how tagging elements are shaping product strategies and transforming customer experiences.

We also share the actionable insights JPMC is uncovering and discuss how we are testing and applying enhancements—such as advanced fraud alerts, reimagining provisional credit, uncovering first party fraud, and improved operations prioritization—based on these data-driven learnings.

Item Number - LMSM2625