ACH Basics

9.30.26 | 12:00 PM EST

Instructor: Kelly Rozier

Course Duration: 1 HR

What You'll Learn

ACH is one of the most widely used payment systems in the country, yet the rules and processes behind it are often misunderstood — even by experienced banking professionals. That gap creates compliance exposure and operational risk.

This course covers how ACH transactions move through the network from start to finish, the most common use cases your institution handles every day, and the rules and regulations that govern every transaction. Whether you are new to ACH or looking to fill in gaps, the content is practical and directly applicable to your role.

Walk away with a solid foundation in ACH processing, a clear understanding of your compliance obligations, and the confidence to handle ACH transactions accurately and consistently.

Topics covered in this course

How ACH Transactions Are Processed from Origination to Settlement
Common ACH Use Cases: Payroll, Bill Pay, and Recurring Payments
Key Rules and Regulations Governing the ACH Network
Compliance and Operational Considerations for Originators and Receivers

About the Author:

Kelly Rozier

Kelly Rozier has extensive banking experience; specializing is Electronic Payments and fraud. Ms. Rozier advises both financial institutions and their service providers on payments audits, process improvement, and risk management. She provides expertise in ACH, Wire Transfer, Remote Deposit Capture (RDC), and other payment systems, including audits of third-party senders and service providers. She works closely with banking professionals, , risk managers, compliance officers, and operations teams in the context of payments compliance, process optimization, financial risk management, and regulatory education. Additionally, Kelly collaborates with the Simplify Risk–Secura membership program to deliver education and resources tailored to banks, fintech companies and credit unions Prior to joining Stout, Kelly was responsible for the payment’s governance including treasury services and oversight for an $18 billion in assets financial institution. Kelly has a significant amount of experience working on the financial institution side and working with all the major core providers on electronic payments needs based on external fraud threats, network and regulatory requirements. Kelly also has ten years of experience working directly with the BSA/AML and fraud areas specific to electronic payments fraud and incident response.

On-Demand Course