ACH Originator Training: Complying with Authorization

On Demand Course

Instructor: Kevin Olsen

Duration: 1 HR

What You'll Learn

ACH authorizations are the foundation of compliant ACH activity, yet they remain a leading cause of disputes, unauthorized returns, and compliance risk. In this course, the Payments Professor explains what ACH originators must know to properly obtain, manage, and retain authorizations under the Nacha Rules. This webinar focuses on the practical responsibilities of originators, including how authorizations must be structured, documented, and maintained across different transaction types. Participants will learn key differences between consumer and corporate authorizations, one time versus recurring entries, and how authorization requirements vary for SEC codes such as WEB, TEL, PPD, CCD, and ARC.

The webinar also highlights common authorization mistakes that lead to elevated return rates and rule violations. Attendees will gain clarity on authorization retention requirements, how to respond to disputes, and what documentation must be provided when a Receiving Depository Financial Institution requests proof of authorization.

Topics covered in this course

Authorization Fundamentals
Transaction Differences
Documentation & Retention
Disputes & Risk Reduction

Who Should Attend

Businesses
Municipalities
Third party senders

Accreditations

CPE/NASBA - QAS Self Study

Noggin Guru, Inc. dba Lorman Education Services and BankersHub is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

For more information regarding administrative policies such as complaint and refund, please contact our offices at 866-352-9539.

Please note: You must attend at least 50 minutes to obtain credit. Final CPE approval belongs with each state's regulatory board. Credit is based on a 50-minute credit hour.

For more detailed information about the course, including the outline, content, and objectives, please refer to the 'Description' tab on this webpage.

Field Of Study: Specialized Knowledge
Prerequisite: Basic knowledge of the banking industry, business, or law
Level of Knowledge: Intermediate
Advanced Preparation: None
Delivery Method: QAS Self Study

Requesting CE:
Upon completion of this course, please email creditrequest@nogginguru.com to obtain a CE certificate.

About the Author:

Kevin Olsen

Kevin Olsen is a certified AAP (Accredited ACH Professional), APRP (Accredited Payments Risk Professional), NCP (National Check Professional), as well as a certified NCP Instructor with additional computer network, database, and security settings. Over the past couple decades, Kevin has been involved with product creation, design, implementation, education, and consulting for multiple platforms within remote deposit capture, ACH, and faster payments. Kevin has worked with financial institutions of all sizes in multiple countries to create products services, departments, systems, teams, and results that help financial institutions become more productive, compliant, and secure.

On-Demand Course