Register for this in-person review for the AAP Exam. The Clearing House Payments Authority Team will help you identify areas where you may need additional study.  

This interactive workshop will help you assess your preparedness for the Accredited ACH Professional (AAP) exam, including tips for taking the test. Prerequisites for this session are the 8-week AAP Prep Course or other session’s specific to preparation for the AAP Exam.  This course is limited to those registered for the 2023 AAP Exam.

Regulation E is a straightforward concept, yet the language can be complicated. And applying the regulation to each situation is often not a black-or-white matter — many scenarios fall in a gray area. The global brands’ rules add further complexity to any dispute scenario. Take a deep dive into both sets of requirements and map out the best route for your organization and your cardholders.

The Accredited ACH Professional (AAP) designation is designed to recognize and build ACH expertise among payments professionals. Having an AAP on staff promotes the credibility of your team by enhancing knowledge of ACH operations, regulations, products and trends.  Are you up for the challenge?

Once you’ve made the decision to sit for the 2023 AAP Exam, registering for this eight-week webinar series is your next step!  This series is intended for those serious about sitting for the exam in 2023.  This curriculum provides the high-level direction and training that candidates need to prepare.

Interactive webinars, exercises and practice tests will help you prepare to take the exam (testing window is October 2 - 28, 2023). Pre-course work, additional reading and homework exercises are required.  Based on feedback from those who have passed the exam, an estimated 8-10 hours per week of personal study time is needed for success.  Attendees are also encouraged to form and participate in study groups with other attendees in addition to taking the prep course.

All sessions scheduled from 2:00 - 4:00pm ET

July 27 Session 1:    General Payments Overview
August 3 Session 2:    ACH Products
August 10 Session 3:    Risk Management
August 17 Session 4:    Rules & Regulations
August 24 Session 5:    Operational Process/Flow
August 31 Session 6:    Technical Standards & Formats; Rules Compliance; Rules Enforcement
September 7 Session 7:    Series Review
September 14 Session 8:    Sample Testing / Attendee Q&A

Registration for this series will close on July 26, 2023 at 5:00 pm ET. 

Participants must visit the Nacha website and register for the AAP exam ahead of time as we will be referencing the AAP Exam Handbook throughout this course.

This 8-session series is available at no charge for members! 
Want to learn more about membership?  Pricing and Benefits

Learn the Nacha Rules for ACH Data Security.

In this session, we will review common ACH Exceptions such as Prenotes, NOCs, Reversals, Returns, and Reclamations. Through various scenarios, we'll discuss RDFI responsibilities and proper procedures according to the Nacha Operating Rules.

This session will help bring order to the alphabet soup of ACH Standard Entry Class (SEC) Codes and file formats.  

Learn about the Automated Clearing House (ACH) network, its participants, and the Nacha Operating Rules & Guidelines which govern the ACH network.

Learn the ACH Rules for Prenotes and Notifications of Change entries.

This session focuses on the handling of ACH exceptions from the Receiving Depository Financial Institution (RDFI) perspective, including the proper use of Return Reason Codes. 

Learn the Nacha Operating Rules for ACH reversing entries and related risk considerations.

This session addresses Risk Management for Credit Risk, Fraud Risk, and Operational Risk for Corporates. 

Learn the various areas of ACH risk and  key components of an effective ACH risk management program.

This session reviews ACH rules implemented in 2022 and upcoming in 2023.

Held annually, this session provides a review of recent ACH Rule changes and a preview of the rules that will become effective in the coming year (2024). If your responsibilities include ACH, TCHPA encourages you to attend this session in November each year. 

Join TCHPA and explore Third-Party relationships and risk management controls when selecting ACH vendors. This session will be an interactive conversation between the speakers that will provide considerations to benefit your organization.

The Accredited Payments Risk Professional (APRP) designation is designed to recognize and build payments risk expertise among payments professionals. Having an APRP on staff promotes the credibility of your team by enhancing knowledge of payments-related risk. This includes ACH, card, check, wire transfer, RTP as well as emerging payments and trends. 

Once you’ve made the decision to sit for the 2023 APRP Exam, registering for this 7-session webinar series is your next step!  This series is intended for those who are serious about sitting for the exam.  This curriculum provides the high-level direction and training that candidates need to prepare.

Interactive webinars, exercises and practice tests will help you prepare to take the exam (testing window is August 7 – September 2, 2023). Pre-course work, additional reading and homework exercises are required.  Based on feedback from those who have passed the exam, an estimated 8-10 hours per week of personal study time is needed for success.  Attendees are also encouraged to form study groups in addition to participating in TCHPA's course.

All sessions scheduled from 2:00 - 4:00pm ET

May 25 Session 1:    Payment Systems
June 1 Session 2:    Fundamentals of Risk Management
June 8 Session 3:    Payments Risk Policy & Governance (Pre-recorded)
June 15 Session 4:    Regulatory Environments
June 22 Session 5:    Physical & Information Security
June 29 Session 6:    Payments Risk Management Controls
July 6 Session 7:    Series Review

Registration for this series will close on May 24, 2023, at 5:00 pm ET.  

Participants must visit the Nacha website and register for the exam ahead of time as we will be referencing their APRP Exam Handbook throughout this course.

This 7-session series is available at no charge for members! 
Want to learn more about membership?  Pricing and Benefits

This course was developed for those who have responsibility for their financial institution’s (FIs) Bank Secrecy Act / Anti-Money Laundering programs.

Presenter Nancy Lake, Director of Training with ARC Risk and Compliance and AML-ology, will present this one-day virtual workshop via live webinar. This course was developed for those who have responsibility for their financial institution’s (FIs) Bank Secrecy Act / Anti-Money Laundering programs. Learn about the latest updates from FinCEN and important news that impacts your financial institution.

Agenda details will be added closer to event.

The Bank Secrecy Act developed in 1970 and the Anti-Money Laundering ACT of 2020 are the legislative framework requiring U.S. Financial Institutions to assist U.S. government agencies to detect and prevent money laundering and the financing of terrorism. This session will review the key components of a BSA/AML Compliance Program: Risk Assessment, Internal Controls Review, Independent Testing, BSA/AML Compliance Officer, and BSA/Compliance Training as well as tolls and resources to strengthen your BSA/AML risk management programs.

This session discusses the current innovation trends in payments and offers a plan for developing a strategy to keep pace.

If the word “strategy” after the word “payments” surprises you a bit, you are in the right place and you are not alone.  With the payments arena evolving daily, developing and executing against a plan has never been more critical.  Simply posting and working exceptions will not move your organization forward, nor will it serve your customer base / account holders in the future.  Join Amy Smith, Vice President and Executive Director of TCHPA, as she discusses the current innovation trends in payments and offers a plan for developing a strategy to keep pace.

This session explores a variety of scenarios for BCP consideration. 

This session provides an introduction to the Card payment system, including the participants, transaction process flow, as well as the related governance and authorization process.

This session provides an introduction to the Check payment system, including the participants, endorsements, funds availability and check returns. 

This session will cover the image exchange rules for the Federal Reserve and for private exchange.

Check 'gurus' from ECCHO and TCHPA will provide a high level overview of some of the most common check issues and questions financial institutions face.

This session addresses the laws and regulations that govern check and the warranties they impose on financial institutions.

Learn the most common audit findings and help you recognize areas for improvement within your organization before your next ACH Audit.

This session explores considerations for assessing ACH risks, along with sound business practices for conducting a formal ACH risk assessment.

This session provides a high-level overview of the obligations of an Originating Depository Financial Institution (ODFI) when implementing ACH Origination.

Learn the risks of posting ACH credits prior to the Settlement Date and how financial institutions can mitigate those risks.

This session will help Company Originators understand the types of ACH products available for consumers and for businesses, and address authorization and retention requirements.

Learn about the channels and players involved in the faster payments revolution including Same Day ACH, Real-Time Payments, FedNow and other consumer solutions.

In this session, we will review the various payment rails including benefits and use cases as well as risk management and implementing a payments strategy. 

This sessions will help Originators operate in compliance with Nacha’s Operating Rules and Guidelines.

Attendees will gain an understanding of the overall risks associated with electronic payment processing and considerations for building a risk management strategy.

This session will provide the basics of cryptocurrency with a focus on handling cryptocurrency related transactions.

Learn about Electronically Created Items (ECIs) and ECI Indemnity.

This session will discuss sound business practices for satisfying the requirements of the related rules and regulations when electronic signatures are utilized. 

This essential new series will provide a comprehensive understanding of domestic faster payments including RTP, FedNow, Same Day ACH, and Push-to-card.  Attendees must register for each Module separately. A Faster Payments Certificate will be awarded by Nacha to attendees who complete all sessions in all 3 modules and successfully pass the course test. 

Module Two -  Faster Payments Functionality:

• August 22, 2023 – Part One, 2:00 – 3:30pm ET
• August 29, 2023 – Part Two, 2:00 – 3:30pm ET

This session provides a review of the Green Book, including enrollmen, account titling, reclamations, post-death payments, and returns.

This session will help guide your organization in understanding the scope of Operating Circular 8 as it applies to funds transfers made through the FedNow Service. The session will also review the connection of Regulation J Subpart C with Operating Circular 8.

A recent study conducted by FINRA noted that ongoing education has a significant, immediate impact on reducing fraud.

What does your Financial Institution's education outreach look like? This session will help you develop an ongoing education campaign 
internally and externally as well as where to report fraud once it has occurred.

Attendees will gain a better understanding of the instant payments landscape, what it takes to enable their financial institution and why it is critical to a winning payments strategy.

Attendees will learn who is the FFIEC and what is their role in the banking and financial services industry, including guidance specific to retail payments.

This session addresses the importance of Treasury in the payments world and provides direction that will help drive one of the most important teams in any company.

This session focuses on a financial institution's reporting requirements as defined by the Nacha Rules for Third-Party Sender, Direct Access and the ACH Contact Registry.

This session explores the NACHA Rule requirements, impacts, and considerations for WEB Debit Entries. 

This session explores the length of time in which an RDFI is permitted to make a claim against the ODFI’s authorization warranty.

This session explores the 'Meaningful Modernization' ACH Rule changes. 

This session explores the Nacha Rules, roles and responsibilities of Third-Party Senders (TPS) and of Nested Third-Party Sender relationships.

This session explores the Micro-Entry ACH Rule and related Originator obligations. 

Nacha Rules state that ODFIs take on all the warranties and responsibilities for their Originator’s compliance with the Nacha Rules. But what about the Originator?  What are their roles, responsibilities, and obligations?

This session reviews ODFI responsibilities and warranties according to the Nacha Operating Rules such as prerequisites to ACH Origination, Authorization, Warranties, and more.

Electing to originate TEL and debit WEB entries can expose ODFIs to additional risk.  How is that liability shared between the Originator and the ODFI and what controls can be implemented to mitigate risk from originating debit WEB and TEL entries?

Understanding the warranties and liabilities of the ODFI will  help in making the right decisions as you onboard originating companies.  Learn the best business practices and procedures to have in place and ensure that you are employing the appropriate level of due diligence for onboarding and monitoring ACH Originating companies.

As financial Institutions (FIs) grow their product and service offerings to meet the needs of their account holders, they must also consider the related risks and potential for fraud.  Knowing your customer and assessing their risk profile is important for consumers and companies alike.  When your consumer account holder is allowed to open a new account online and/or send ACH transactions to an account at another FI, they are acting as an ACH Originator. We address common ODFI oversights and best practices for loss prevention and risk mitigation when the consumer becomes the Originator.

Learn about the necessary pre-origination requirements and technical aspect of originating International ACH Transactions according to the Nacha Operating Rules. 

Gain an understanding of the five main types payment risk. 

This session addresses the RDC warranties and obligations imposed by Regulation CC and FFIEC.

The goal of this two part webinar is to help financial institutions understand ACH exception processing, maintain compliance with the ACH Rules and mitigate risk and loss.

Listen to this interactive conversation about how the RTP Network can benefit your organization.

This session provides a high level overview of Regulation CC and the responsibilities  and warranties of the depositary bank and the paying bank.

This webinar covers consumer and financial institution liability under the Electronic Fund Transfer Act and Regulation E, including how those principles apply to new trends in payments fraud and scams.

This session addresses financial institutions’ error resolution obligations relative to Regulation E.

Attendees will learn about the various regulations, rules and laws that govern the U.S. payment systems.

This session explores the remotely created check (RCC) and address the risks and obligations of a depositary and paying financial institution.

This session provides an introduction to real-time payments via the  RTP® Network.

If RTP is on your to-do list, this session is for you as it addresses the journey from understanding, to decision, to implementation.

This session addresses the most commonly used ACH Standard Entry Class (SEC) codes, including the purpose and appropriate use for each.

This session addresses the important steps an Information Security (IS) department must take to keep up with emerging threats as well as the need for an in-depth defense model.

Learn about The Clearing House's new Secure Token Exchange (STE), a service to manage token issuance and authentication for mobile and ecommerce transactions. 

Join your accredited payments peers to discuss industry hot topics and challenges, learn and develop best practices, explore rules changes, and earn continuing education credits. Must be credentialed to attend meeting. No charge / TCHPA members only.

Note: This in-person meeting precedes the Concepts Conference. Concepts Information.

Accredited ACH (AAPs) and Payments Risk Professionals (APRRs) are invited to discuss industry hot topics and challenges, learn and develop best practices, explore rules changes, network with your peers, and earn continuing education credits. No charge / TCHPA members only.

Join your accredited payments peers to discuss industry hot topics and challenges, learn and develop best practices, explore rules changes, and earn continuing education credits. Must be credentialed to attend meeting. No charge / TCHPA members only.

Note: This in-person meeting precedes the Concepts Conference. Concepts Information.

Join your accredited payments peers to discuss industry hot topics and challenges, learn and develop best practices, explore rules changes, and earn continuing education credits. Must be credentialed to attend meeting. No charge / TCHPA members only.

Note: This in-person meeting precedes the Concepts Conference. Concepts Information.

This session offers an examination and discussion of significant policy developments in Washington.

Learn the steps you can take to implement a sound Third-Party risk mitigation program. 

Learn about recent and upcoming innovations in payments and provide a framework to get your treasury management product strategy in shape for growth.

Attendees will learn the importance of adopting commercially reasonable security procedures and appropriate contract terms to allocate payments fraud risk.

This session explores the details of Universal Commercial Code (UCC) Article 3 (Negotiable Instruments) and Article 4 (Bank Deposits and Collections).

Explore the Nacha Operating Rules for returning consumer and non-consumer entries for stop pay, unauthorized or authorization revoked. 

Learn about unauthorized checks and timely returns processing and regulations. 

Using a recent study findings, this session helps to identify best practices for combating payments fraud.  

 

It's important for financial institutions to understand Third-Party relationships, the appropriate rules to follow and about having the right agreements and risk controls in place. Learn how to mitigate Third-Party risk through sound business policies and procedures. Recorded during Payments University 2021.

These 30 minute webinars will keep you up to speed with the rapidly changing payments landscape.

Learn about U.S. dollar wire transfer networks and participants, the general payment flow, cut-off times, legal governance and more.

This session explores considerations and sound business practices for those supporting the high-value, time-sensitive environment of U.S. dollar wire processing.

This session discusses the risks that impact domestic wires, with an emphasis on Compliance, Credit, Fraud and Operational risks.