"ACH Risk Management" - ComplianceOnline is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: CPE credits offered : 11.4

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.

Seminar Fee Includes:
AM-PM Tea/Coffee
Seminar Material
USB with seminar presentation
Hard copy of presentation
Attendance Certificate
$100 Gift Cert for next seminar

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.

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.

Register by phone or need assistance? Call +1-888-717-2436 Register Now Download Brochure
Day 01(8:30 AM - 4:00 PM)
  • 08.30 AM - 09.00 AM: Registration
  • 9:00 – 11:45 AM: Introduction, course objectives, and ACH Basics
    • 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 depend on attendee knowledge level)
      • 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
    • ACH Jeopardy: Find That Rule!
    • 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 02(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
Register by phone or need assistance? Call +1-888-717-2436 Register Now Download Brochure
Rayleen M. Pirnie

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.

Register by phone or need assistance? Call +1-888-717-2436 Register Now Download Brochure

Register Now

Online using Credit card

Get the Invitation
Pre-Register yourself and get the official Invite when venue and dates are announced for this seminar.
Call here to register +1-888-717-2436 or email at

Other Registration Option

By order form / PO#

Payment Mode

By Check -
Pay your check to (payee name) “MetricStream Inc” our parent company and Mail the check to:

ComplianceOnline (MetricStream, Inc),
2479 E. Bayshore Road Suite 260
Palo Alto, CA 94303

By Wire -

Register / Pay by Wire Transfer

Please contact us at +1-888-717-2436 to get details of wire transfer option.

Terms & Conditions to Register for the Seminar/Conference/Event

Your registration for the seminar is subject to following terms and conditions. If you need any clarification before registering for this seminar please call us @ +1-888-717-2436 or email us @

Payment is required 2 days before the date of the conference. We accept American Express, Visa and MasterCard. Make checks payable to MetricStream Inc. (our parent company).

Cancellations and substitutions:
Written cancellations through fax or email (from the person who has registered for this conference) received at least 10 calendar days prior to the start date of the event will receive a refund - less a $300 administration fee. No cancellations will be accepted - nor refunds issued - within 10 calendar days before the start date of the event.

On request by email or fax (before the seminar) a credit for the amount paid minus administration fees ($300) will be transferred to any future ComplianceOnline event and a credit note will be issued.

Substitutions may be made at any time. No-shows will be charged the full amount.

We discourage onsite registrations, however if you wish to register onsite, payment to happen through credit card immediately or check to be submitted onsite. Conference material will be given on the spot if it is available after distributing to other attendees. In case it is not available, we will send the material after the conference is over.

In the event ComplianceOnline cancels the seminar, ComplianceOnline is not responsible for any airfare, hotel, other costs or losses incurred by registrants. Some topics and speakers may be subject to change without notice.

Attendance confirmation and documents to carry to the seminar venue:
After we receive the payment from the registered attendee, an electronic event pass will be sent to the email address associated with the registrant 5 working days before the seminar date. Please bring the pass to the venue of the event.

Conference photograph / video:
By registering and attending ComplianceOnline conference, you agree to have your photographs or videos taken at the conference venue and you do not have any objections to ComplianceOnline using these photos and videos for marketing, archiving or any other conference related activities. You agree to release ComplianceOnline from any kind of claims arising out of copyright or privacy violations.


  • Early bird seats are limited and based on first-come, first-serve.
  • Multiple offers cannot be combined.
  • Testimonials

    See What People Say About Us

    Yours was one of the best classes that I have attended in quite a while. Many thanks to you, again, and I hope to take another one of your classes in the future.

    Director of Corporate Security,

    SVP, CPP

    I thoroughly enjoyed the ACH Risk Management course and am very much looking forward to the training you are putting together for the Fall of the year.



    I just wanted to drop you a quick message to thank you for sharing your expertise with us in the ACH Risk class. You made the material as interesting as you could and I very much appreciated it and enjoyed it. I learned a lot as did my team member who accompanied me to the training.


    We have a very similar sense of humor so I understood you and you kept the class very entertained.


    Register by phone or need assistance? Call +1-888-717-2436 Register Now Download Brochure

    We are pleased to offer several exhibitor, sponsorship and media partnership options designed to maximize your company's exposure and networking opportunities before, during and after the event.

    Benefits of becoming a Sponsor/Exhibitor/Media Partner:

    • Logo on website, marketing email, branding materials & the registration booth
    • Exhibit Space
    • Free event pass
    • Speaking opportunity
    • Social media campaign

    For more details and other sponsorship options at this event, please contact Event Manager: or call: +1-650-238-9656

    Media Partner:


    Register by phone or need assistance? Call +1-888-717-2436 Register Now Download Brochure

    Local Attractions of Irvine, CA

    The Irvine Museum

    The Irvine Museum

    The Irvine Museum collects and preserves California Art, with an emphasis on landscapes and Impressionist work. The Museum itself is a lovely hacienda style building, reminiscent of the Golden Land's early days.

    Tanaka Farms

    Tanaka Farms

    Located in the heart of sunny Irvine, Tanaka farms provides fun, educational activities for kids and families. Seasonal tours of the Pumpkin Patch and Strawberry Fields, plus elaborate cook-outs and entertainment are among the delights offered at Tanaka farms.

    Pretend City Children's Museum

    Pretend City Children's Museum

    Pretend City Children's Museum is a very promising place to bring children.

    Orange County Great Park

    Orange County Great Park

    The Orange County Great Park is a vital center that brings together some of the southern California's exciting, diverse communities with educational workshops, farmer's markets, concerts and exhibits. The Park is currently expanding and will soon have an elaborate sports field as well.

    Disneyland />
	<p class=Disneyland

    One of the largest and most popular Orange County attractions is just a short trip away. See Mickey, Minnie, Peter Pan, Winnie the Pooh, Alice in Wonderland and many of the world's most beloved characters and rides during a visit to the Magic Kingdom.

    Register by phone or need assistance? Call +1-888-717-2436 Register Now Download Brochure

    We need below information to serve you better

    Best Sellers
    You Recently Viewed