ACH Originators and Setting Exposure Limits

Instructor: Luann Kohlmann
Product ID: 703784
Training Level: Intermediate
  • Duration: 100 Min

recorded version

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Read Frequently Asked Questions

With the increasing movement toward an electronic, interconnected and mobile infrastructure, it’s critical that electronic payments work safely and efficiently for all users. The ACH Network enables just that: by using batch processing and a store-and-forward system, it moves almost $39 trillion and 22 billion electronic financial transactions each year. This webinar will offer attendees an understanding of the different business customers who are your originators, third party senders, the credit risk associated with ACH Origination, and the required exposure limits.

"ACH Originators and Setting Exposure Limits" - This course is approved by NASBA (National Association of State Boards of Accountancy). Attendees of Live Webinar are eligible for 2 CPE credit up on full completion of the course.

Why Should You Attend:

  • As an ODFI (Originating Depository Financial Institution), are you prepared to manage the credit risk in the ACH Network?
  • Does your financial institution have effective exposure limits for each of your business customers who originate ACH entries as required by both the NACHA Operating Rules and the FFIEC Guidance to cover that risk?

This session will walk participants through the criteria needed to evaluate and underwrite your originators, and then in turn, use this information to appropriately set these required exposure limits. Through this course, attendees will learn to reduce a financial institution’s credit risk exposure.

Areas Covered in the Webinar:

  • An understanding of the different business customers who are your originators
  • An understanding of third party senders
  • An understanding of the credit risk associated with ACH Origination
  • An understanding of required exposure limits
  • Knowledge of the criteria needed to evaluate your originators and set appropriate exposure limits
  • Information on handling over-limit file activity
  • An understanding of how and what to monitor
  • Insight on how to detect account takeover

Who Will Benefit:

  • Risk/compliance officers
  • Operations personnel
  • Treasury management
  • Credit risk managers
  • Loan officers
  • Accredited ACH professionals

Instructor Profile:

Luann S. Kohlmann serves as the vice president of WACHA/PAR, headquartered in Wisconsin. Ms. Kohlmann started her career in banking operations and joined the WACHA/PAR team in 2003. She is responsible for development and execution of association member programs, including education, conferences and publications. She also conducts ACH audits and risk assessments. Coming from a financial institution background, Ms. Kohlmann has hands on knowledge and understanding of the problems that organizations face with day to day ACH processing and the need to continue to expand their electronic payment knowledge and services to keep up with the ever-changing electronic world.

Ms. Kohlmann has been a speaker at NACHA’s Electronic Payments Conferences and Windy City Summit in addition to many nationwide engagements. She is very active in national electronic payment councils and committees. She has been an Accredited ACH Professional since 2002 and became a National Check Professional in 2011.

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,, e-mail

Field of Study Minutes CPE
Management Advisory Services 50 1
Specialized Knowledge and Applications 50 1
Total Duration - 100 Min Total Credits - 2

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