Conducting an ACH Risk Assessment and Developing YOUR ACH Risk Program

ACH risk is present in every transaction—and managing it effectively is a core expectation under the Nacha Operating Rules.

If your institution originates, receives, or processes ACH activity, gaps in your risk program can lead to financial loss, regulatory scrutiny, and reputational damage. And when third parties are involved, your responsibility doesn’t go away—it increases.

This session is designed to help you close those gaps and strengthen your program with practical, examiner-ready guidance.

Join this webinar to:

• Understand exactly what Nacha requires for ACH risk assessments and risk management programs
• Identify hidden risks across originators, TPS, and nested TPS relationships
• Strengthen your approach to due diligence, monitoring, and exposure limits
• Stay current on recent rule updates impacting ACH risk

You’ll leave this session with a clear, practical framework for conducting an ACH risk assessment and strengthening your overall risk management program. You’ll better understand how to identify and mitigate key risk areas—including operational, credit, fraud, compliance, return, and reputational risk—while aligning your practices with Nacha requirements.

You’ll also gain insight into how SEC codes influence your risk responsibilities, along with actionable strategies for ongoing monitoring, third-party oversight, and effective reporting to senior management and the board.

This session covers: 

• How the ACH Network works, including Same Day ACH
• Key Nacha rules governing ACH risk assessments
• Risk responsibilities of ODFIs, RDFIs, and third parties
• Identifying and evaluating TPS and nested TPS relationships
• Core components of an effective ACH Risk Management Program
• Monitoring expectations, audit considerations, and examiner focus areas
• Recent Nacha rule changes impacting ACH risk