ACH Origination - The Rules for Setting Exposure Limits

Instructor: Donna K Olheiser
Product ID: 705098
  • Duration: 90 Min
This training program will review criteria needed to evaluate Originators and perform proper due diligence and describe details on the different types of ACH risk – focus being on credit risk for purposes of setting exposure limits. It will also outline the rules and evaluation process for setting exposure limits for all Originators and overview FFIEC guidance regarding risk in the ACH network.

recorded version

1x Person - Unlimited viewing for 6 Months
(For multiple locations contact Customer Care)
Recorded Link and Ref. material will be available in My CO Section
Last Recorded Date: Mar-2017

Training CD / USB Drive

One CD/USB is for usage in one location only.
(For multiple locations contact Customer Care)
CD/USB and Ref. material will be shipped within 15 business days

Customer Care

Fax: +1-650-362-2367


Read Frequently Asked Questions

This course is approved by NACHA (National Automated Clearinghouse Association). Attendees of Live Webinar are eligible for 1.8 AAP CE 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 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.

Learning Objectives:

  • Define Originators and Third Party Senders
  • Review criteria needed to evaluate Originators and perform proper due diligence
  • Describe details on the different types of ACH risk – focus being on credit risk for purposes of setting exposure limits
  • Outline the rules and evaluation process for setting exposure limits for all Originators
  • Overview of FFIEC guidance regarding risk in the ACH network
  • Define account takeover and provide tips on how to detect and help prevent this from happening to your corporate customer

Areas Covered in the Webinar:

  • Identifying the different business customers who are your originators
  • Definition of third party senders – how to determine if you’re using one?
  • Details on how credit risk is associated with ACH Origination
  • Outline of the rules relating to required exposure limits
  • List of the criteria needed to evaluate your Originators and set appropriate exposure limits
  • Provide information on handling over-limit file activity
  • Review of the required monitoring of Originators and details what to monitor
  • Overview of how to detect account takeover and potentially help prevent this from happening

Who Will Benefit:

  • Risk/compliance staff
  • Operations personnel
  • Treasury management
  • Credit risk managers
  • Loan officers
  • Accredited ACH professionals
  • ACH operations staff
  • ACH auditors
  • AAPs (Accredited ACH Professional)
Instructor Profile:
Donna K Olheiser

Donna K Olheiser
VP of Education, Dynamic Mastership

Donna K Olheiser has over 24 years of experience in the financial services industry which includes 9 years' experience as the education service director at a Regional Payments Association (RPA), where she managed and facilitated the entire education program for nearly 800 financial institution members. Prior to that, Ms. Olheiser spent 14 years in various departments with the Federal Reserve Bank of Minneapolis and also holds the Accredited ACH Professional (AAP) designation.

Her extensive knowledge, enthusiasm and passion for transferring payment processing knowledge using the adult learning theory is remarkable and has helped many payment professionals perform daily operational tasks including exception processing while remaining compliant with the NACHA Operating Rules. She uses scenarios and examples to bring the learning home, easy to comprehend and apply to life day-to-day ACH processing. Her ability to engage the learner through the entire training event helps the adult learner apply what they've learned during each training session.

Topic Background:

As there continues to be an increasing movement toward an electronic, interconnected and mobile infrastructure, it’s critical that electronic payments work safely and efficiently for all users, including the ACH network. According to NACHA’s reports, in Q1 2016, the ACH network transferred more than 5 billion direct deposits and direct payments – the first time ACH volume has exceeded this milestone in a single quarter - growing 6.1 percent over Q1 2015. The total dollar value transferred over the network grew to more than $10.6 trillion, marking an increase of 4.5 percent over last year. Consistent with recent ACH network volume trends, native electronic payments continue to rise, in this quarter by 7.8%. These transactions, which start as electronic, now make up 91 percent of overall ACH network volume. Please note, increases in native electronic transactions can be attributed to significant gains in WEB and business-to-business payment categories.

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Refund Policy

Registrants may cancel up to two working days prior to the course start date and will receive a letter of credit to be used towards a future course up to one year from date of issuance. ComplianceOnline would process/provide refund if the Live Webinar has been cancelled. The attendee could choose between the recorded version of the webinar or refund for any cancelled webinar. Refunds will not be given to participants who do not show up for the webinar. On-Demand Recordings can be requested in exchange.

Webinar may be cancelled due to lack of enrolment or unavoidable factors. Registrants will be notified 24hours in advance if a cancellation occurs. Substitutions can happen any time.

If you have any concern about the content of the webinar and not satisfied please contact us at below email or by call mentioning your feedback for resolution of the matter.

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