Everyone knows email is one of the most common methods for hackers to compromise users and environments! This session covers 10 of the most interesting methods of how it can be done, beyond the regular attacks (e.g. phishing, file attachments, etc.) that most people know about. It includes several video demos, including one by world famous hacker Kevin Mitnick and you will be surprised and wowed by the innovative attacks and just how easy they are to accomplish.

Same Day ACH has undergone several enhancements since its launch in 2016, and the trend continues in 2021 with the addition of a third processing window. Watch this on-demand video to learn the details of this significant change and how it could affect your financial institution. Other topics of discussion include enhanced security requirements for Receiver account information and recently approved rule changes designed to improve and simplify the ACH user experience, enhance enforcement for improper reversals, and change timing for ODFI warranty claims.

2021 was a busy year for ACH Rules updates, with new Rules, revisions to existing Rules, and enforcement of last year’s ACH Contact Registry rule! 2022 is shaping up to be another busy year for participants in the ACH Network. This session will cover recent clarifications to existing Rules as well as all the new Rules that will take effect in 2022. Join us to learn what Rules will affect your organization and how you can remain compliant.

This session provides an in-depth review of the recent and upcoming changes to the Nacha Operating Rules. Join an ePayResources payments professional to ensure your organization remains compliant. NOTE to ePayResources’ ACH Certification holder: Please follow the steps included in your renewal reminder emails to ensure timely recertification. Look for the course titled ePayResources ACH Certification Package – Recertification Package.

This course is designed to provide an overview of the Automated Clearing House (ACH) Network and its functions to individuals who are new to ACH, unfamiliar with ACH, need a refresher, or need to sell ACH products. Attendees learn the various ACH participants, the Standard Entry Class Codes and their applications, and ACH transaction flow from origination to receipt.

This course begins where ACH Basics 101 leaves off. As we delve into the rules and regulations that govern ACH payments, you learn about the core concepts of Entry processing: prenotifications, returns, reversals, arbitration, and other tools and practices within the ACH Network.

In today's rapidly changing payments environment, ACH technical expertise is critical to the effective management of ACH operations and for the monitoring of compliance with Nacha's Operating Rules. Additionally, the accuracy of ACH formatting has a direct impact on a Participating DFI's risks associated with processing errors and exceptions. This On Demand course is designed to provide registrants with the knowledge to successfully navigate the Nacha approved File format; support ACH conversion activities; trouble-shoot rejected Files and Entries; and to monitor on-going technical compliance.

Exception item processing is one of the largest potential areas of loss for financial institutions. Understanding exception item processing under the ACH Rules is critical to your institution. This course provides an overview of RDFI responsibilities like excused delay, stop payment orders, Written Statement of Unauthorized Debit forms, reversals, recalls, and rejects. We also examine the difference between administrative returns and extended returns, including the applicable time frames, responsibilities, warranties, risks, and limitations. Access this course to gain an in-depth understanding of return time frames beyond standard two-day returns and the documents required for extended returns. Estimated time for completion is 140 minutes. This equates to 2.8 AAP and APRP CECs.

The ACH Network has unique terminology and requirements that can make newcomers feel like they are learning a new language! ePayResources designed this course specifically for businesses that currently originate ACH files, or plan to implement ACH origination, so they can learn how ACH works and how it fits into their organization.

What tools may an RDFI use to handle ACH tax return exceptions? In this on-demand video we discuss the RDFI's liability for ACH tax refund Entries and methods to use to mitigate damage to accountholder relationships and to the balance sheet. We'll examine Nacha and IRS rules for Providers of individual income tax returns and study scenarios and their possible conclusions. Learn about the opt-in program established by Nacha and the IRS and the external leads program and find out how these tools may simplify your exception process and prevent fraud.