Summary - ACH Processing & Compliance

This full-day seminar brings you the information you need to keep on top of the latest changes in the field of ACH processing. Presented in an easy-to-understand, one-day format, this seminar reviews the basis and structure for all ACH processing – the NACHA Rules. New and recent changes to the Rules including Enhanced International ACH Transactions (IATs), Fraud Monitoring by ODFIs and RDFIs, Acceleration of funds availability for certain ACH credits, and other Risk Management topics are discussed in detail. Recent proposed Rules changes on possibly adding a fourth same-day ACH “window”, along with possible future Rules proposals are reviewed. The annual expansion of and enhancements to the ACH “self-audit” are thoroughly discussed, and the federal ACH examination is highlighted.

Treasury’s Green Book - A Guide to Federal Government ACH Payments and Collections is discussed with a focus on the updated reclamation process, and the 2026 modifications (if any) to the Green Book.

Compliance issues including OFAC impacts to ACH processing, suspicious activity reporting (SAR), the federal focus on ACH as part of the annual Bank Secrecy Act (BSA) examination efforts, and the standardization of the garnishment of exempt federal benefits payment processing, are all highlighted. Major areas of ACH risk are addressed, including methods and procedures to minimize risk exposure. This seminar provides attendees with the opportunity to network with other professionals interested in ACH processing and compliance.

New and Recent NACHA Rules

Updated Definition of IAT Entries
Registration of IAT Contacts in the ACH Contact Registry
Optional Date-of-Birth Field for IAT Entries
Non-Bank Foreign Financial Agencies in IAT Entries
New Return Reason Code R 90 for Sanctions Compliance
Funds Availability Requirements for Non-Same Day Credit Entries
New Company Entry Descriptions – PAYROLL and PURCHASE
Fraud Monitoring – ODFIs, Originators, Third-Party Service Providers, and Third-Party Senders
Fraud Monitoring – RDFIs
Possible 4^th Same-Day ACH window and other possible Rules proposals.

The Latest on Federal Government Payments & Processing

The Green Book – On-Line PDFs
31 CFR Part 210 - Regulatory Updates
Reclamation Process / IRS Tax Refund Processing

2026 Audit and Examination Guidelines

Annual Self-Audit Procedures – 2026 Focus Points
Federal Audit Guidelines on ACH

Processing Risks

Fraud
Operational
Credit
Systemic
Synthetic Identity Fraud
Compliance
Reputational
Strategic
Terminated Originator Database (TOD)
Federal Third-Party Risk Management Guidance

Regulatory Impacts

AML/CFT (BSA) Examination impacts to ACH Processing
Suspicious Activity Reporting (SAR) – Impacts to ACH Operations
OFAC – Updated Impacts to ACH Operations
Garnishment of Exempt Federal Benefit Payments – Impacts to ACH Operations

Attendees: $445

Each Additional Attendee: $395

Registration Policy: ProBank Education Services permits one participant per paid registration to access the program via a single internet connection at one physical location. Additional registrations are available at a discounted rate and may be registered online, by mail, or phone. Group viewings are not permitted. All unregistered participants will be invoiced. Please note we reserve the right to change speakers or reschedule/cancel seminars when necessary.