(Basic Level) - (Continuing AAP credits: 1.8)

Is your Frontline staff prepared with the knowledge they need to answer your customer’s ACH questions? Don’t miss this opportunity to educate the most vital people in your branch, the ones who represent your organization to your customers! We'll provide an overview of the ACH network, including defining the participants and explaining the transaction flow. We'll explain consumer’s rights and how their transactions differ from corporate & government transactions, and conclude with an examination of all the electronic check applications.

Running time approx. 90 minutes

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(Basic Level) - (Continuing AAP credits: 1.0)

To those new to the ACH process, and even for "ACH veterans," the contents of the ACH Operating Rules Book can be intimidating. This session is designed to familiarize the viewer with the organization and structure of the book, explaining the various sections and contents of both the Operating Rules and Guidelines. Also addressed are the many additional resources contained within this annual publication. This session is especially helpful for anyone new to the ACH process, and can serve as a valuable "refresher" for seasoned ACH professionals.

Running time approx. 50 minutes

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(Basic Level) - (Continuing AAP credits: 1.5)

Become familiar with the different check products that are being converted to ACH debits. Learn about the latest issues relating to electronic checks including the conversion of business checks at the Point of Purchase and A/R Truncation. Understand the differences in check regulations versus ACH regulations. Understand how TEL and WEB fit into the e-Check environment.

Although we have become more comfortable with Re-presented Checks (RCK) through the ACH system, we are now seeing other ways that checks are being “electronified.” Our webcast will look at Point of Purchase, which will include a discussion of its uses and misuses, and Lockbox Conversion (ARC), where the ACH system is also being used to eliminate checks or the need for check processing. We will describe specific requirements related to processes for WEB & TEL transactions.

What are the RDFI’s rights and responsibilities when the Originator processes both the ACH debit AND the converted check? Is there recourse back to the ODFI and Originator? Come and learn how to respond!

Running time approx. 80 minutes

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(Basic Level) - (Continuing AAP credits: 1.5)

This webcast focuses on the responsibilities and warranties of each ACH participant, with an emphasis on the ACH Operating Rules, Federal Regulations, UCC4A, OFAC and Exception Processes. Procedures for handling Federal Government ACH payments, NACHA’s Rules Enforcement procedure, as well as the fundamental types of risk associated with processing ACH transactions are also discussed.

Running time approx. 75 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.0)

Electronic payments continue to thrive, and as a result, more legal issues have arisen. We are all working on better ways to manage risk but how are we communicating that to our origination customers? If you don’t put your expectations in writing, they won’t hold up in a court of law. You must take the necessary steps to cover yourself from liability. This seminar helps you keep abreast of changes in electronic payments law and helps you apply best practices with your customers.

Running time approx. 60 minutes

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(Basic Level) - (Continuing AAP credits: 1.5)

This webcast provides an overview examination of ACH Origination processes. It is designed to appeal to a broad section of WesPay membership, from smaller Financial Institutions not currently originating to larger financial institutions with significant origination business.

We will provide participants with a broad understanding of the ACH Origination business, with a focus on corporate Originator support. Topics covered will include critical considerations for creating effective ACH Origination policies, agreements and risk management safeguards (including establishment of exposure limits for each origination application), analyzing ACH Origination processing alternatives, and establishing effective and secure procedures for day-to-day operations and customer service.

Running time approx. 80 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.2)

On September 19, 2009, the most significant ACH rule amendment in recent years will become a reality with the implementation of the IAT Standard Entry Class Code. This session covers the background of the new rule, roles of the "Gateway" Operators, formatting requirements and issues surrounding regulatory compliance. These changes are substantive, complicated, and mandated by OFAC. As a Financial Institution, you must be aware of your responsibilities under the new rules. This session will help you prepare for the impact of IAT.

Running time approx. 60 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.8)

This session will detail substantial modifications to the Company/Batch Header, Entry Detail, Addenda Record, Return, and Notification of Change formats related to IAT transactions, and will highlight areas of information that will require specific attention of your data processing/IT departments.

(For instance, the Originator Name field moves from the Batch Header Record to the Second IAT Addenda Record, and will require a programming change in order to ensure this data appears on the customer's statement).

Running time approx. 85 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.8)

New rule requirements make it imperative that Originators of IAT transactions be able to correctly identify when an entry is, and is not, considered an IAT transaction.

That determination is based primarily on whether a financial "entity" not subject to the territorial jurisdiction of the United States is party to the transaction at any point in the payments process.

This session will provide several detailed scenarios to help participants understand when a specific payment transaction involving the U.S. ACH Network would be deemed an International ACH Transaction (IAT) or domestic ACH transaction.

Running time approx. 85 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.5)

This session provides an overview of ACH risk for ODFIs. Topics to be covered will include risk management safeguards (including establishment of exposure limits for each origination application), analyzing ACH Origination processing alternatives, and establishing effective and secure procedures for day-to-day operations and customer service. It will also go into detail in regards to the specific warranties of the ODFI. Financial institutions of all sizes need to be aware of ACH risk factors. Each financial institution needs to manage their risk to minimize potential losses.

Running time approx. 75 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.8)

Do your Cash or Product Management personnel know all they need to know about the ACH services they are selling? Are they aware of the rule changes affecting corporate originators? With the selling of ACH services and the many types of applications comes the challenge of being able to educate your originators. Arm your Cash Management staff with the proper knowledge of the ACH to both protect your institution, while giving them more products and services to offer clients.

Running time approx. 90 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.5)

Financial institutions of all sizes need to be aware of ACH risk factors. Each financial institution needs to manage their risk to minimize potential losses. Rapid growth, change, and new and evolving participant responsibilities are prevalent ACH trends representing increased risk. In addition, ACH volume growth has been primarily fueled by higher-risk consumer debit applications. Accordingly, regulatory agencies have called for risk management enhancements, with plans to target ACH compliance, risk management policies, and procedures in future financial institution examination reviews. Is your financial institution prepared to demonstrate enhanced risk management for ACH Network activities? This session will cover the risks associated with processing transactions from the RDFI side as well as how to mitigate these risks.

Running time approx. 75 minutes

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(Advanced Level) - (Continuing AAP credits: 1.5)

Developing a structured, fully-integrated ACH risk management strategy is critical for ACH network participants. This session will fully examine the risk reduction suggestions outlined in the Office of Comptroller of the Currency's bulletin 2006-039: Automated Clearing House Activities, Risk Management Guidance. Topics include: risk management systems and controls, reporting to board of directors, audit considerations, high risk activities, elements of a risk strategy, and much more. Also examined is NACHA's Risk Management Strategy, which incorporates many elements of the OCC guidance into its suggested "best practices" in ACH risk management.

Running time approx. 70 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.2)

The most effective defense against losses incurred in ACH processing (whether as an ODFI or RDFI) is to have clear, effective documented policies and procedures which guide day-to-day operational processing. You will gain a framework for building an effective ACH Operations policies and procedures manual for your organization, establishing guidelines to be used for origination and receipt of ACH transactions, and applying to all employees that have duties associated with these services.

This session provides the key elements that must be incorporated into the development of such documentation and describes the alternatives available in the payments industry to assist in this process.

Running time approx. 60 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.2)

To a greater extent than ever before, banking regulators and rule-making bodies are requiring financial institutions to develop documented policies and procedures related to ACH processing. The process of developing such documentation can be daunting. Where do you start? What are the components that need to be considered? What policy questions do you need to ask, as both an RDFI and ODFI?

This session will give you a framework for building an effective ACH risk policies and procedures manual for your organization, and describe the alternatives available in the payments industry to assist in this process.

Running time approx. 60 minutes

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(Intermediate Level) - (Continuing AAP credits: 1)

View this session and be armed with the tools to develop effective anti-fraud policies and procedures to gaurd your institustion against losses. Learn the latest statistics on scams affecting the payments industry as well as the best tactics for protecting your institution. Find out about phishing, spoofing, and identity theft as well as up-to-date information on fraud and crime.

Running time approx. 50 minutes

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Intermediate Level - Continuing AAP credits: 1.0

Every week we hear about another data breach, malware download, phishing attack, or other data-security based issue. This session explores the current state of the electronic payments-based data security space, the types of breaches being experienced, and the approaches the industry has taken to manage payments-based data security.

Running time approx. 60 minutes

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(Basic Level) - (Continuing AAP credits: 1.5)

Federal government ACH payments are subject to the same rules as private industry ACH payments, but with exceptions. The Federal Government’s rules are found in the Code of Federal Regulations (31CFR 210), known as the “Green Book”, although it’s not green, and it’s no longer a book! Knowing these exceptions and how they affect correct processing in such areas as reclamations, enrollments, and return entries has an impact in both the efficiency of a financial institution’s ACH operations and in preventing unnecessary losses.

This webcast consists of the fundamentals of processing Federal Government ACH payments such as automated (ENR), paper and paperless enrollments, notifications of change (NOC), death notification entries (DNE), and return items, and will include: Who is liable when a payment is posted to an incorrect account, when does the name of the payee not need to appear on the title of the account, what to do when payments are returned in error, & what constitutes "commercially reasonable business practices"?

THINGS YOU WILL LEARN:

• The 3 types of government enrollments
• What is constructive knowledge of death
• What are the posting rules for Federal Government payments?
• How to limit your liability for payments made after date of death
• How to correctly respond to a reclamation

Running time approx. 75 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.0)

This seminar examines in detail the processes and options to enforce the NACHA Operating Rules. The background of the rules enforcement process, the modifications to the classification of rules violations, and the substantial increases in fine amounts are covered. ODFIs suspected of receiving an unacceptable level of "unauthorized" return entries are now required to provide specific information to NACHA, upon request. These requirements, and the on-going monitoring of such suspect Originators, are discussed. Current rules enforcement procedures, as well as an examination of NACHA arbitration procedures as an alternative to the rules violation process, are examined.

Running time approx. 55 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.5)

Are you confused over your obligations to adjust consumer “unauthorized” entries, depending on whether you are operating under NACHA rule provisions or Regulation E? Both detail procedures for resolving situations involving “unauthorized” consumer transactions, but the procedures, time frames, and financial institution obligations are significantly different. Proper procedures for handling account inquiries under both the NACHA adjustment rules and Regulation E Error Resolution Procedures will be thoroughly discussed, with an emphasis on how the account holding institution can limit its liability for loss and still provide excellent customer service. A basic understanding of ACH processes is suggested.

Running time approx. 65 minutes

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(Advanced Level) - (Continuing AAP credits: 1.8)

The devil is in the details. This webcast focuses on the intricacies of the ACH Record Formats. We will take you on a comprehensive and detailed review of the field purposes & constructs with discussion of the specific field values, commonly experienced problems, and tips for optimizing ACH Network participation with a command of the bits and bytes of ACH.

Running time approx. 80 minutes

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Basic Level - Continuing AAP credits: 1.6

With billions of transactions processed annually, the ACH provides complete, accurate and speedy processing in an automated environment. However, when an ACH payment is unable to be processed, the result is an “exception item.” If the item is not appropriately handled, the institution could experience a financial loss. Register for this webcast and find out the most effective ways to handle exceptions and how to effectively minimize the risk of loss, focusing on stop payment and authorization issues.

3 Things you’ll learn from this webcast:

• The difference between “unauthorized entries”, “authorization revoked entries” and “stop payments”
• How to handle NOCs (Notification of Change) and what your liability may be
• Special return codes for echeck applications

Running time approx. 70 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.5)

Target Audience: Audit, ACH Operations, Compliance/Risk, Legal, Product Management Sales

Changing technologies, expanding payment services and rapidly growing transaction volumes in today's ACH environment require greater diligence by audit, compliance and operations personnel both to insure compliance and maintain the integrity of risk management, security systems and procedural controls. This session focuses on ACH Rule audit requirements specific to the origination of ACH transactions. Each audit point is thoroughly reviewed, with emphasis placed on areas that represent potentially higher risk to the ODFI. Key guidelines for ensuring Originator compliance with ACH Operating Rules are also shared.

Running time approx. 80 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.5)

Target Audience: Audit, ACH Operations, Compliance/Risk, Legal

The review of ACH audit programs is identified as the number one priority for examiners under guidelines published by the Federal Financial Institutions Examination Council. Changing technologies, expanding payment services and rapidly growing transaction volumes in today's ACH environment require greater diligence by audit, compliance and operations personnel. This session focuses on specific audit requirements of all financial institutions that participate in the ACH network, from the perspective of receiving ACH transactions. Instructors thoroughly review each audit point and provide specific information on how to properly test for compliance.

Running time approx. 75 minutes

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Intermediate Level - Continuing AAP credits: 1.4

Changes in the ACH process continue at a rapid pace. It is critical that your institution keep pace with processing and regulatory requirements in order to ensure rules compliance and reduce operating risk. You will learn how the rules changes for 2009 and 2010 affect you, your Originators, and the ACH network.

This webcast will outline the steps needed to implement these amendments successfully. Rule proposals that are contemplated for enactments by various NACHA Rules Work Groups will also be examined.

Running time approx. 70 minutes

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Intermediate Level - Continuing AAP credits: 1.0

This session discusses legal issues raised by current innovations in electronic payments law, including recent amendments to the NACHA Operating Rules as well as updates on security breach and FACTA class action litigation; regulatory developments regarding mobile, credit card, and Internet gambling payments; intellectual property rights in payments systems, cross-border payments, and other key areas of concern.

Running time approx. 60 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.0)

Speaker:
Richard Oliver, EVP, Retail Payments Product Manager
Federal Reserve Bank of Atlanta

The payments landscape is changing rapidly as economic and marketplace forces accelerate the integration of electronic payments. New opportunities for revenue streams and cost savings emerge as technology converges and the lines blur between ACH, check, credit and debit cards, and online and mobile payments. Financial institutions need to know how to best leverage and integrate these electronic payment vehicles.

Running time approx. 55 minutes

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(Intermediate Level)

Speaker:
Rick Leander, EVP, Chief Strategy Officer
The Clearing House

Taking an enterprise wide perspective in leveraging check electronification (check image and ACH conversion) infrastructure investments and utilizing new capabilities as part of an overall payments business strategy can bring significant value to payments operations. Check electronification has largely been addressed from an operational perspective. By stepping back and taking a strategic look at check electronification, financial institutions can leverage payments as a way to diversify their portfolio, increase income, and reduce costs.

Running time approx. 45 minutes

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(Intermediate Level) - (Continuing AAP credits: 1.0)

Speakers:
Bob Meara, Senior Analyst, Celent
T. Richard Shier, EVP and Director, Banking & Investment Services, City National Bank

With the convergence and adoption of new payment options, understanding the risks and new FFIEC guidelines, and investing in the right check electronification process in a rapidly changing environment will be critical to the future success of the electronic payment industry. Ensuring that your institution manages risk while leveraging the opportunities and cost savings of these programs will mean the difference between profitability and loss.

Running time approx. 55 minutes

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