ACH Originators and Setting Exposure Limits

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.

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