Returns, dishonored returns, contested dishonored returns. If you work with ACH, you probably see returns regularly. This short, interactive session is designed to give you an overview of Appendix Four – Return Entries found in the Nacha Operating Rules book.

New staff training is a requirement of the Bank Secrecy Act. For staff to be compliant with the BSA, and to successfully fulfill their crucial roles, they must first understand it. This course addresses the five pillars of BSA to help your new staff understand the requirements and their important role in protecting your financial institution’s integrity through BSA compliance.

Ongoing training is a requirement of the Bank Secrecy Act.  Directors need BSA training that helps them understand their organization’s Bank Secrecy Act and Anti-Money Laundering program and their roles and responsibilities.  This micro-session addresses the five pillars of the Bank Secrecy Act.

Ongoing training is a requirement of the Bank Secrecy Act. Employees on the frontline are the first line of defense, so this course addresses the five pillars of BSA to help them to better understand their roles in identifying and preventing money laundering, terrorist financing, and other fraudulent activities.

Duplicate presentment of checks is a growing challenge in the evolving payments landscape, especially with the widespread use of Remote Deposit Capture (RDC). This course provides learners with a comprehensive understanding of check duplicates—why they occur, how they impact financial institutions, and strategies for resolution. Despite the common definition of "duplicate," check duplicates are not identical; they may carry different indorsements and appear in different clearing channels. This course will break down the legal definitions, warranties, and claims associated with duplicates, using real-world examples such as mobile deposits and over-the-counter presentment. Learners will explore various duplicate scenarios, the role of Depositary Banks, and the resolution processes, including returns and adjustments. Additionally, the course will cover sound practices for avoiding duplicates through effective policies, training, and operational controls. By the end of the course, learners will be equipped with the knowledge to manage duplicate presentment risks and enhance their institution’s fraud prevention and dispute resolution strategies. This course is designed for payments professionals, risk managers, and operations staff who need a deeper understanding of check processing risks and compliance considerations in an RDC environment.

Grab a cup of coffee and carve out just 20 minutes to watch this power-packed microsession on emerging payments from Crissy Terry, AAP, NCP, Vice President, Payments Consulting for ePayAdvisors. Starting with an overview of the primary emerging payments types, Crissy provides a concise discussion of their characteristics, including clearing mechanisms, settlement timing, dollar limits, governing rules and regs, audit requirements, and the benefits to all parties. We know you are wondering about fraud prevention, so that’s in there too! The microsession wraps up with a walk-through of the steps to implementing an effective payments strategy. Start your journey with this quick kick-off!

The concept of Holder in Due Course (HIDC) plays a critical role in the check payments system, providing certain legal protections to those who take negotiable instruments under specific conditions. This course explores the HIDC doctrine as defined under UCC 3-302, including the rights it affords and the obligations it imposes on parties involved in check transactions. Learners will begin with a foundational understanding of what it means to be a Holder, as defined in UCC 1-201(21)—a person in possession of a negotiable instrument that is payable either to bearer or to an identified individual. From there, the course delves into the requirements for achieving HIDC status, which grants a holder the right to enforce payment from the Drawer, even if the check was later returned or adjusted back as unpaid. This course is designed for learners seeking to deepen their understanding of check law and risk management in payments. By the end, participants will be able to recognize HIDC rights and defenses, assess the enforceability of checks under HIDC principles, and apply these concepts to real-world scenarios.

Effective June 30, 2021, Nacha’s Limitation on Warranty Claims rule takes effect. The rule reduces the amount of time an RDFI can make a breach of warranty claim for unauthorized entries to the ODFI. This micro-session explains the rule in easy-to-understand language and provides a calculator to help the RDFI determine if and when to make a breach of warranty claim.

Over the past decade, the way we make payments has changed tremendously. While we have not stopped using any specific payment method, we are adding new ways to make payments. With these new payment options come new rules. This short, interactive session explains Nacha’s Meaningful Modernization suite of rules and what they mean to ACH network participants in an easy-to-understand manner.

A new Rule for Micro-Entries has a two-phase rollout beginning September 16, 2022. This micro-session reviews this new Rule and how it may impact ODFI, Originators, RDFIs, and Receivers

Tiny transactions, big compliance implications. In less than 20 minutes, this bite-sized course walks you through the do’s and don’ts of using Micro-Entries to validate account access. Whether you're tuning up your onboarding process or trying to reduce risk exposure, this session gives you the rules, risks, and realities—all in one quick stop.

Nacha’s ACH Rules Compliance provides the structure for evaluating possible violations of the Nacha Operating Rules. Through a formal system of warnings and fines, it corrects infractions and helps ACH Network Participants remain compliant with the Rules, including the requirement to conduct an annual ACH audit. In 2021, 533 violations were reported, resulting in the assessment of over $130,000 in fines. Join us as we review some past cases to find out what happens when you don’t play by the Nacha Operating Rules.

Are you struggling with when to use the R10 or R11 return reason code? Don’t worry, ePayResources is here to make it easier for you to understand! This short, interactive session is designed to help you decide which return reason code is appropriate for your situation.

This 20-minute micro session walks through when a Reversing Entry is allowed under the Nacha Operating Rules—and how to distinguish it from a Reversing File.

Are you struggling with when to use a stop payment or Written Statement of Unauthorized (WSUD) form? In this short, interactive session, you will learn the difference between these two forms and when to use each one.

When someone mentions supplementing data security requirements, are you confident that you prepared? This short, interactive session will look at the phased rollout of this rule and what it means to non-financial institutions, third-party service providers, and third-party senders.

Do you want to know more about what debit or credit card numbers mean? This short, interactive session explains what those card numbers mean, the information they provide to merchants, and look at the other parts found on today’s chip cards. 5 minutes