Standardizing Your ACH and RDC Underwriting, Risk-Rating, and Exposure Limit Process

On Demand Course

Instructor: Terri Sands

Duration: 1 HR

What You'll Learn

Treasury teams, account officers, and risk management staff often face challenges in underwriting and risk rating their treasury clients. Standardizing the underwriting process can be difficult, given the diverse risks associated with ACH and RDC transactions. This often leads to an annual, one-size-fits-all review approach rather than a more practical, risk-based assessment. Join us for a webinar to guide you through a practical method for performing underwriting and risk-rating treasury clients. This approach will help determine the appropriate frequency for periodic reviews based on actual risk levels. In addition, this session will focus on managing high-risk treasury relationships. This session is ideal for financial institutions seeking to establish a standardized, effective method for risk rating and reviewing treasury clients.

Key Take-Aways:

§ Network Rules and Regulations governing ACH and RDC underwriting.

§ Best business practices for Risk Rating Treasury Clients.

§ Downfalls of one size fits all vs. risk-based approach to underwriting and risk rating.

§ Determining high-risk treasury clients and ongoing management of these relationships.

Who Should Attend?

§ Account Officers/Lending Officers/Relationship Managers

§ Branch Managers

§ BSA Officers and Support Teams

§ Call Center Teams

§ Compliance Teams

§ Deposit Operation Teams

§ Electronic Banking Teams

§ Fraud Management Teams

§ Front-Line Teams (Customer/Member Service Representatives)

§ Internal Auditors

§ Information Security Officers

§ Risk Management

§ Senior Management/Executive Management

About the Author:

Terri Sands

Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations. Terri is an Advanced Certified Anti-Money Laundering Specialist, an At-Risk Adult Crime Specialist and an Accredited ACH Professional. Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri also served as the President of GACHA, a non-profit, regional payments association where she provided strategic direction for financial institutions in the payments industry. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District.

On-Demand Course