Course Description:

Have you ever read a new ACH Rule and thought "What does this mean for my business?" or "How do we do that when we already do this?"- If so, you are not alone. Too many businesses report being provided a copy of an ACH Rule or a reference to it, but no further explanation or guidance. This course is uniquely designed by an Accredited ACH Professional for businesses striving for compliance in their ACH activity.

Noncompliance with the ACH Rules can place a business in a position of a Rules Violation, fines, fees, and/or restrictions on what the business can process. Left unchecked, or if there are significant violations, a business may find they are unable to use the ACH Network altogether. Using the ACH Network requires interpreting the Rules correctly, isolating risks, enhancing controls, and having appropriate internal procedures, yet many businesses report having to interpret the Rules themselves, hoping they are employing them correctly. This course changes all that.

This interactive, intensive course starts with exploring how upcoming and recently passed ACH Rules can impact your internal processes and procedures. From the benefits and risks of Same Day ACH to what you could be paying for unauthorized returns, we will explore the Rule from a business perspective, capitalizing on sound business practices and risk reduction.

We will also evaluate existing ACH Rules that businesses routinely struggle to comply with, like how acting on a Notification of Change can put you out of compliance with the Rules for Authorizations, and just what is expected of a company when you receive an Authorization Revoked return, yet you have no record that the consumer contacted you to revoke the authorization. Some Rules are not clearly defined, or they require actions that are not detailed. We'll explore the good and the bad practices that can mean the difference between compliance and unwanted scrutiny of your processes.

Using group discussion, activities and real cases, attendees will develop checklists appropriate to their industry and their unique use of the ACH Network to ensure compliance with new Rules and overcome common challenges of some existing Rules.

This is your chance to bring your origination challenges and questions to a setting perfect for group discussion, answers, and suggestions to improve your internal processes and compliance.

Additional materials each attendee needs to bring: Copy (physical or electronic) of the NACHA Operating Rules and Guidelines (preferably 2016), a pen and a highlighter. Suggestions for other materials: Flags, post-it notes and a method to take notes (paper, laptop, etc.).

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 Objective:

  • Attendees will describe how their business uses the ACH Network.
  • Attendees will locate Rules in their NACHA Operating Rules and Guidelines book and identify how most Rules requirements aren't isolated to a single location.
  • Given specific Rules, attendees will examine challenges and isolate actionable sound business practices to minimize risk and improve compliance.
  • Using course materials and discussions, attendees will design checklists unique to their use of the ACH Network.

Areas Covered:

  • Recent ACH Rule changes
    • Same Day ACH
    • Disclosure requirements for ACH Point of Sale Entries
    • Unauthorized Entry Fees
    • Managing Administrative and Overall Return Rate levels
    • Reinitiating returned entries
  • Common Rules businesses struggle to comply with
    • ACH Security Framework Rule
    • Improperly reinitiated debit entries
    • Returns due to incomplete transactions
    • Notifications of Change
    • Unauthorized Returns
    • Revoked authorizations
    • Authorizations and disclosures for recurring telephone entries
    • Single ACH entry vs. Recurring ACH entries
    • Pre-notifications
    • Internet initiated entries

Who will Benefit:

Course specifically designed for business payments professionals that work with or manage ACH functions:

  • Accounts payable and receivable staff
  • CFOs, CPAs, Comptrollers
  • Risk management
  • Audit
  • Compliance
  • Accredited ACH Professionals (AAPs)

Course Outline:

DAY ONE (8:30 AM – 4:30 PM) DAY TWO (8:30 AM – 4:30 PM)

Registration Process: 8:30 AM – 9:00 AM

Session Start Time: 9:00 AM

  • 9:00 am – 11:45 am - Recent ACH Rule changes
    • Same Day ACH
    • Disclosure requirements for ACH Point of Sale Entries
    • Unauthorized Entry Fees
    • Managing Administrative and Overall Return Rate levels
    • Reinitiating returned entries
  • 11:45 am – 12:45 pm - Lunch
  • 12:45 pm – 2:00 pm - Recent ACH Rule changes Continued
  • 2:00 pm – 2:15 pm - Break
  • 2:15 pm – 3:30 pm - Complying with ACH Rules tips and resources; Rules violations
  • 3:30 pm – 4:30 pm - Individual and group exercises
  • 8:30 am – 9:00 am - Introduction; questions from Day 1
  • 9:00 am – 11:45 am - Complying with ACH Rules
    • ACH Security Framework Rule
    • Improperly reinitiated debit entries
    • Returns due to incomplete transactions
    • Notifications of Change
    • Unauthorized Returns
    • Revoked authorizations
    • Authorizations and disclosures for recurring telephone entries
    • Single ACH entry vs. Recurring ACH entries
    • Pre-notifications
    • Internet initiated entries
  • 11:45 am – 12:45 pm - Lunch
  • 12:45 pm – 2:00 pm - Complying with ACH Rules Continued
  • 2:00 pm – 2:15 pm - Break
  • 2:15 pm – 4:30 pm - Finish group discussions; Q&A; other issues; finalize individual checklists; identify resources

Meet Your Instructor

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

Rayleen M. Pirnie, AAP is the owner of RP Payments Risk Consulting Services in MO. Rayleen is a recognized public speaker, educator and writer who works with financial institutions and businesses across the nation to help them understand today’s threats and develop appropriate risk mitigation strategies. Rayleen’s areas of expertise include fraud mitigation and investigations, payment system risk management, cybercrimes, and information security. Rayleen is an Accredited ACH Professional (AAP) and the proud recipient of both the Nathan B Stubblefield Distinguished Lecture Series in Telecommunications System Management from Murray State University and the eFrauds Program Award from the Greater Kansas City Chapter of the Association of Certified Fraud Examiners.

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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 $200 administration fee. No cancellations will be accepted — nor refunds issued — within 10 calendar days before the start date of the event.

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Media Partners


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  • Article on the magazine and/or website after the conference.

Local Attractions

The Parthenon in Nashville, Tennessee is a full-scale replica of the original Parthenon in Athens. It was built in 1897 as part of the Tennessee Centennial Exposition. Today the Parthenon, which functions as an art museum, stands as the centerpiece of Centennial Park, a large public park just west of downtown Nashville. Alan LeQuire's 1990 re-creation of the Athena Parthenos statue is the focus of the Parthenon just as it was in ancient Greece. The statue of Athena Parthenos within is a reconstruction of the long-lost original to careful scholarly standards: she is cuirassed and helmeted, carries a shield on her left arm and a small 6-foot-high statue of Nike (Victory) in her right palm, and stands 42 feet high, gilt with more than 8 pounds of gold leaf; an equally colossal serpent rears its head between her and her shield. Since the building is complete and its decorations were polychromed (painted in colors) as close to the presumed original as possible, this replica of the original Parthenon in Athens serves as a monument to what is considered the pinnacle of classical architecture. The plaster replicas of the Parthenon Marbles found in the naos (the east room of the main hall) are direct casts of the original sculptures which adorned the pediments of the Athenian Parthenon, dating back to 438 BC.

Belle Meade Plantation, located in Belle Meade, Tennessee, is a historic mansion whose grounds now function as a museum. Belle Meade Plantation consists of 30 remaining acres and includes a winery, visitor's center, original outbuildings including the Harding cabin, dairy, carriage house, stable, mausoleum and a reconstructed slave quarters. Built on a small hill near Richland Creek, the original red brick Federal-style house was built in the 1820s by John Harding. The entrance façade featured a two-story five-bay block, constructed on a limestone foundation, flanked with symmetrical one-story wings. Chimneys flanked the central block as well as the two wings

Cheekwood is a privately funded 55-acre estate on the western edge of Nashville, Tennessee that houses the Cheekwood Botanical Garden and Museum of Art. Formerly the residence of Nashville's Cheek family, the 30,000-square-foot Georgian-style mansion was opened as a museum in 1960. Cheekwood’s art collection was founded in 1959 upon the holdings of the former Nashville Museum of Art and is accredited by the American Alliance of Museums. The core holdings include broad collections of American art; American and British decorative arts; contemporary art, especially outdoor sculpture acquired for the Woodland Sculpture Trail.

Schermerhorn Symphony Center is a symphony center in downtown Nashville. The center formally opened on September 9, 2006, with a gala concert conducted by Leonard Slatkin and broadcast by PBS affiliates throughout the state. The center is named in honor of Kenneth Schermerhorn, who was the music director and conductor of the Nashville Symphony from 1983 until his death in 2005; the center was named before maestro Schermerhorn's death. The 2006 Symphony Center is a prominent example of 21st century New Classical Architecture.

Edwin Warner Park and Percy Warner Park, collectively known as Warner Parks, are two major public parks in Nashville. They are part of the park system managed by the Metropolitan Board of Parks and Recreation of Nashville and Davidson County. Percy Warner Park's front entrance is located at the end of Belle Meade Boulevard. The parks are listed on the National Register of Historic Places as Warner Park Historic District. The district is primarily within Nashville along the southern edge of Davidson County, Tennessee, but it extends into Williamson County, Tennessee as well.

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