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Products are filtered by different dates, depending on the combination of live and on-demand components that they contain, and on whether any live components are over or not.
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  • Contains 1 Component(s)

    Instructors in this session explain these changes, how proposed rule changes are evaluated by members and their impact on legal and compliance matters.

    Amendments to the Nacha Operating Rules are voted on by Nacha members following extensive input from Nacha’s Rules & Operations Committee. The need for change is evaluated based on marketplace needs and feedback from payments industry participants via a Request for Comment process. Between passage of a successful ballot and the implementation date, education becomes key. In 2020, Nacha implemented amendments pertaining to Warranty Claims, Data Security, and Reversals & Enforcement. Instructors in this session explain these changes, how proposed rule changes are evaluated by members and their impact on legal and compliance matters.

    INSTRUCTOR(S):

    Ivy Gupta, Senior Associate General Counsel and Senior Vice President, Truist Financial Corporation

    Jennifer Stokley, Senior Counsel, Wells Fargo

    Matthew C. Luzadder, Partner, Kelley Drye & Warren LLP

  • Contains 1 Component(s)

    Instructors in this session explore the “compliance sandbox” to determine where the industry is moving and how the industry can provide guidance via Requests for Comment and interacting with regulators to evaluate new types of banking entities and whether they will be allowed access to Fed accounts and Fed services.

    Regulatory agencies are constantly at work to create and implement rules and procedures to protect the integrity of the financial services industry. From the OCC and FDIC to the CFPB, CUNA, NAFCU and the FTC, Instructors in this session are comprised of current and previous Regulators as they provide a glimpse into provincial versus functional regulators – including auditors, examiners and supervisory positions and explore their role in the industry. Consumer protection organizations are constantly on the ready to adjust regulations for both financial institutions and new players in the fintech space. It is critical for payments lawyers and compliance professionals to understand differing points of view including those of fintechs, third parties, and financial institutions. Instructors in this session explore the “compliance sandbox” to determine where the industry is moving and how the industry can provide guidance via Requests for Comment and interacting with regulators to evaluate new types of banking entities and whether they will be allowed access to Fed accounts and Fed services.


    INSTRUCTOR(S):

    Christina Tetrault

  • Contains 1 Component(s)

    ​Establishing and maintaining a risk management program begins with understanding primary and ancillary risks, how to implement risk controls and mitigation solutions, and why the concept of testing – both to comply with industry rules and regulations as well as internal controls, audits and assessments are critical to ensuring both the safety of the ACH Network and protecting your organization from threats.

    Establishing and maintaining a risk management program begins with understanding primary and ancillary risks, how to implement risk controls and mitigation solutions, and why the concept of testing – both to comply with industry rules and regulations as well as internal controls, audits and assessments are critical to ensuring both the safety of the ACH Network and protecting your organization from threats. 


    INSTRUCTOR(S):

    Joseph Casali, AAP, APRP, NCP, Executive Vice President, NEACH

    Jessica Perkins, Bitgo

  • Contains 1 Component(s)

    Speakers in this session discuss what constitutes “high risk” payments and the types and magnitude of transactions that give rise to such risks. Understand who needs to be involved and why, what process elements need to be considered, and what are potential client showstopper questions.

    Financial institutions make business decisions to originate ACH transactions for clients, and it is incumbent on them to conduct appropriate due diligence and related risk management. With what could be considered to be high risk activity, it is imperative that the institution implements a robust and holistic risk management program throughout the life cycle that has active involvement and commitment across the organization. Online gaming, cannabis, adult entertainment and other transactions are examples of industries where banks have proceeded with caution. These industries could represent potential threats to payment systems so various payment systems define rules surrounding these payments, all with the goal to protect the integrity of the system as well as to limit possible risk to their clients. Speakers in this session discuss what constitutes “high risk” payments and the types and magnitude of transactions that give rise to such risks. Understand who needs to be involved and why, what process elements need to be considered, and what are potential client showstopper questions.

  • Contains 1 Component(s)

    This course allows learners to get down to the details as they work together, using actual case studies from recent events to build a response plan to protect organization and mitigate risk.

    Recognizing and mitigating new and emerging fraud schemes is essential to assess an organization’s risk appetite and ensure clean fraud hygiene as well as to provide a front line of defense against loss. Fraud threats change frequently, so being aware of recent trends is critical. The instructor is this session offers a look at the current fraud landscape while discussing how to mitigate specific threats – and how those actions could offer protection from other schemes looming in the background. This course allows learners to get down to the details as they work together, using actual case studies from recent events to build a response plan to protect organization and mitigate risk.


    INSTRUCTOR(S):

    Philip C. Picillo, Esq., CTP, SVP, Treasury & Payment Solutions, Webster Bank


  • Contains 1 Component(s)

    ​This session examines how contracts and agreements comprise the foundation of the ACH Network with both originating (ODFIs) and receiving (RDFIs) financial institutions.

    This session examines how contracts and agreements comprise the foundation of the ACH Network with both originating (ODFIs) and receiving (RDFIs) financial institutions agreeing to abide by the Nacha Operating Rules and ACH Operator agreements, Originators agreeing to be bound to the Rules by their ODFIs, and RDFI depository agreements detailing the rights of the account holder. Additional agreements pertaining to Third Party Senders, Service Providers, and Sending Points also define the responsibilities of periphery participants. These contracts and agreements also impact the requirements of authorizations and authentication for payments in an ever-changing environment. Going beyond the requirements and differences between oral and written, single and recurring authorizations, speakers explain how to differentiate between an authentication and an authorization, and the proper methods to achieve them. Instructors review the elements of the e-Sign Act that should be included in a proper authorization.

    INSTRUCTOR(S):

    Jennifer Stokley, Senior Counsel, Wells Fargo

    Matthew C. Luzadder, Partner, Kelley Drye & Warren LLP

  • Contains 1 Component(s)

    This session will provide a look at how the laws, rules and regulations harmonize to make internal processes work.

    The alphabet soup of compliance regulations and laws – BSA, AML, OFAC, USPATRIOT ACT, CARES, CARDS, etc. ranges from A-Z, but having a clear understanding of what the regulation and laws protect, and how to implement processes for ensuring compliance, can often be overwhelming. Further, understanding how to respond to subpoenas or issue Memorandums of Understanding, how to make efficient use of SARS reporting requirements and keeping up to date on the “greatest hits,” in addition to the new hits is critical for compliance and legal professionals. Simply understanding the regulations is often not enough. Parties also should know what State Banking Regulators on Audits and Responses are looking for as well. Instructor in this session provide a look at how the laws, rules and regulations harmonize to make internal processes work.

    INSTRUCTOR::

    Matthew C. Luzadder, Kelley Drye & Warren LLP

    *This course is not eligible for continuing education credits

  • Contains 11 Component(s), Includes Credits

    As globalization continues, both for consumers and businesses, it is important to understand the nuances of international payments.

    *This course is worth 1 AAP and APRP continuing education credit

    As globalization continues, both for consumers and businesses, it is important to understand the nuances of international payments. This course will set the stage by first covering some trends and factors that influence international payments. We will then take a deeper dive into payments/collections, International ACH, instant/faster payments around the globe and regional highlights.

    Prerequisites (if any): None

    Level: Beginner & Intermediate

    Learning Outcomes

    • Identify factors that influence international payments and their development
    • Explain different types of international payments and collections and revenue drivers
    • Explain how International ACH typically works
    • Identify different types of faster/instant payment schemes and learnings from them
    • Describe market differences in regional payments that can lead to innovation

    Skills Covered in this Course: International payments knowledge, international ACH, revenue drivers in international payments, economic factors involved in payments

    INSTRUCTOR: Jane Hennessy

  • Contains 1 Component(s)

    Malicious cyber activity threatens the safety and security of financial and intellectual property – including payments rails. Instructor introduces the terminology and basic concepts of the current threat landscape of identity theft.

    This course is not currently eligible for AAP or APRP credits due to length

    Malicious cyber activity threatens the safety and security of financial and intellectual property – including payments rails. Schemes continue to grow and evolve, targeting legitimate businesses, nonprofits, governments, and other public-sector organizations. Fraudsters are looking to exploit gaps in information security. Instructor introduces the terminology and basic concepts of the current threat landscape of identity theft. These schemes include business email compromise, vendor impersonation fraud, and payroll impersonation fraud; and will discuss why fraudsters are motivated to attack using ploys such as spear-phishing, social engineering, email spoofing, and malware. Instructor then provides sound practices to combat these threats, discussing measures for end users to ensure their internal controls will guard against and mitigate these scams, and the importance of maintaining agility to adapt as schemes change. 

    Prerequisites: None

    Level: Intermediate

    Learning Outcomes:

    • Describe the cybercrime threat landscape and the impact on stakeholders.
    • Identify the various techniques by which cybercrimes are perpetrated.
    • Realize ‘why’ fraudsters are motivated to attack in this manner.
    • Take away guidance on achieving and maintaining safety and security within their organization’s internal controls.

    Skills: Cybercrime; Identification; Attention to Detail; Mitigation

    INSTRUCTOR:

    Jeanette A. Fox, AAP, Nacha

  • Contains 8 Component(s)

    ACH newcomers often struggle to understand who is who in the ACH process flow because the nomenclature is unfamiliar. For the Novice: ACH Participants Explained will provide a description, in layman’s language, of the main players in an ACH transaction.

    *This course is currently not worth AAP or APRP credits due to length

    When entering a new field, it is imperative to learn common terms in order to lay a foundation for additional learning. ACH newcomers often struggle to understand who is who in the ACH process flow because the nomenclature is unfamiliar. For the Novice: ACH Participants Explained will provide a description, in layman’s language, of the main players in an ACH transaction.

    The first chapter in the module will be an overview of the ACH transaction flow as a level setting exercise. The chapters that follow will cover the role of each ACH participant in the transaction flow and its fundamental responsibilities under the Nacha Operating Rules.

    Questions answered by this session:

    1. Who are the main participants in an ACH transaction?
    2. What is each participant’s role?

    Prerequisites: None

    Level: Beginner

    Learning Outcome: Attendees will have a basic understanding of the participants in the ACH transaction and will be prepared to explore the roles and responsibilities of each ACH participant in more detail.

    Skills Covered in this Course: ACH Basics, ODFI, RDFI, ACH Operator, Originator, Receiver, Third-Party Service Provider

    INSTRUCTOR:

    Danita Tyrrell, AAP, APRP, Nacha