Tackling ACH Risk and Fraud: One and a Half Day In-Person Seminar

By: Rayleen M. Pirnie, CEO and Founder, RP Payments Risk Consulting Services, LLC
Coming soon.. Please contact customer care for new schedule
“ACH Risk Management” – This course is approved by NASBA (National Association of State Boards of Accountancy). Seminar attendees are eligible for 11.4 CPE credits upon completion of this workshop.

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Course Description:

The rewards of ACH payments are numerous, but various types of processing inherently increase risk to participants. This interactive course provides attendees an overview of ACH risk by participant (ODFI, RDFI, Originator, Third-Party), focusing on sound business strategies to minimize exposure and loss, and maintain compliance with the ACH Rules and applicable laws (i.e. UCC4A, Regulation E, etc.).

ACH processing requires more than just following the ACH Rules; many applicable laws are not covered in the Rules book, which can expose an ACH participant to needless risk and loss. This course explores a wide variety of topics including risk categories, sound business practices to minimize exposure, applicable laws and rules, and more.

Participants help define course objectives on day 1 ensuring the course meets your unique needs. Attendees leave with action items they can immediately implement and valuable resources including case studies for internal training and testing.

Learning Objectives:

  • Learn how to navigate the ACH Rules book and find both the ACH Rule and the Guidance
  • Isolate risks by participant and strategies to reduce exposure
  • Record new Rules
  • Network with other attendees during interactive exercises like ACH Jeopardy: Find that Rule! and case studies

Areas Covered in the Seminar:

  • Navigating the ACH Rules
  • New ACH Rules
  • Impacts of laws and guidance on ACH processing obligations
  • ACH Risk and Risk Management strategies by participant and/or situation
  • ACH Fraud
  • ACH Jeopardy and case studies
  • Risk assessment and audit essentials (ODFIs and RDFIs)

Who will Benefit:

Any payments professional working in the ACH Network will benefit from this course; these individuals could include operations, compliance, AR/AP, payroll, risk management, audit, legal counsel, management, risk officers, and AAP’s.

Important class notes from the speaker:

  • Bring your ACH Rules book if you want the ability to highlight sections as we navigate the book during class. I suggest bringing along a highlighter too if bringing the printed version of the book.
  • Originators are welcome to stay until the course is finished, but the last 45 minutes of the program is intended for ODFIs and RDFIs as we explore audit and risk assessment criteria.


We are registered with and adhere to the Statement on Standards for Continuing Professional Education programs of the National Registry of CPE Sponsors. Our registration number is 109066. Please check with the governing body of your license and state for specific CPE requirements. Grievances may be forwarded to the company at 650 620 3961. Grievances may also be forwarded to the National Registry of CPE Sponsors-NASBA, 150 Fourth Avenue North, Suite 700, Nashville, TN 37219-2417, 615-880-4200, www.learningmarket.org, e-mail cpe@nasba.org.

Field of Study:
  • Auditing: 6 CPE Credits
  • Management Advisory Services: 6.4 CPE Credits
  • Specialized Knowledge and Applications: 2 CPE Credits
  • Total CPE credits earned in this workshop: 14.4 CPE Credits

Program Delivery Method: Group-Live
Program Level: Intermediate
Advance Preparation/Program Prerequisites: Basic understand of the ACH Network including transaction flow and risk.

Course Outline

Day One (8:30 AM – 4:00 PM)
  • 08.30 AM - 09.00 AM: Registration
  • 9:00 – 11:45 AM: Introduction, course objectives, and ACH Basics (30 min)
    • Attendees help define course objectives by identifying their needs
    • How to navigate the ACH Rules
      • Attendee driven discussion
      • How to locate specific Rules / sections
      • New and upcoming Rules
    • ACH Basics (topics covered depend on attendees)
      • Participants and transaction flows (credits and debits)
      • Common questions
      • Authorizations
      • Returns
      • Originator Risk
      • ODFI Risk
      • RDFI Risk
      • Security Framework
      • Third-Parties (TPS and TSPS)
      • Written Statements and Stop Pays
    • Pros and Cons
    • Categories of risk
  • 11:45 – 12:30 PM: Lunch
  • 12:30 – 4:00 PM: Regulations, Guidance and the ACH Rules
    • Impacts on participants (Originator, TPS, ODFI and RDFI)
    • Federal Agencies (FTC, CFPB, etc.)
    • Regulator guidance and expectations
    • Related regulations
Day Two (9:00 AM – 12:00 PM)
  • 9:00 – 9:15 AM: Recap course so far and set day 2 objectives
  • 9:15 - 10:30 AM: Investigating and Responding to ACH Fraud
  • 10:45 – 11:15 AM: Case studies
    • Attendees define appropriate responses to various case studies
    • Cases depend on audience – examples return handling, authorization issues, positions of fines / penalties, identifying TPS, fraud scenarios, etc.
    • Group share and final action items
    • Originators (businesses) dismissed
  • 11:15 – 12:00 PM: Risk Assessments and Audit Essentials (ODFIs and RDFIs only)
    • Steps to developing the assessment
    • The risk assessment process
    • The guidance
    • The Do’s and Don’ts
    • Auditing essentials – testing the assessment

Meet Your Instructor

Rayleen M. Pirnie, AAP
CEO and Founder, RP Payments Risk Consulting Services, LLC

Rayleen is the founder and owner of RP Payments Risk Consulting Services, LLC. based in Missouri. She is a nationally recognized payments risk and fraud expert who offers specialized consulting services, procedural and risk management reviews, and payments education. Rayleen’s specialized skill is delving into the world beyond the payment rules; areas where organizations often find themselves in positions of liability or loss with little to no clear guidance. She is an Accredited ACH Professional (AAP) and a Certified Enterprise Risk Professional (CERP) who has worked with all payment systems for 20 years. Rayleen also holds a Bachelor of Science in Criminal Justice Administration.

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