Ensure your financial organisation meets the highest standards of compliance and risk management in Automated Clearing House (ACH) operations with this comprehensive self-assessment programme. Designed for professionals responsible for regulatory oversight, this tool enables you to systematically evaluate and strengthen your institution’s adherence to critical ACH governance frameworks—minimising exposure, enhancing audit readiness, and supporting robust payment system integrity.
Through three targeted modules, gain actionable insights into key regulatory and operational requirements:
- Module 1: ACH Governance & Regulatory Alignment – Analyse jurisdictional applicability of Regulation E, EFTA, and state-level money transmitter laws. Evaluate ODFI liability under NACHA Operating Rules, including Appendix E for Third-Party Sender validation, and determine participation obligations in the NACHA Risk Assessment Programme. Align internal audit protocols with FFIEC IT Examination Handbook standards.
- Module 2: Origination Risk Controls – Implement dual-custody procedures and automated monitoring for high-risk entry class codes. Verify authenticated ACH authorisations, enforce extended retention policies for litigation preparedness, and integrate geolocation screening to identify transactions from high-risk regions. Establish clear thresholds for manual review of large-value debits.
- Module 3: RDFI Responsibilities – Strengthen compliance in transaction monitoring, unauthorised entry detection, and consumer dispute handling. Ensure timely returns processing and alignment with RDFI obligations under current NACHA rules.
This self-assessment empowers compliance officers, risk managers, and payment operations leaders to proactively identify control gaps, demonstrate due diligence to regulators, and optimise internal governance frameworks. With clear, actionable criteria and alignment to real-world regulatory expectations, it’s an essential resource for institutions managing ACH risk in complex operational environments.
Take control of your compliance posture—conduct a thorough review of your ACH oversight practices today.