Picture of the productACH Audit Checklist 2020 UPDATED
The WesPay ACH Audit Checklist is a complimentary member publication and is designed for organizations seeking guidance in preparing for their annual review. An important organizing tool for members, this document distinguishes key ACH operational processes to be included in your annual audit, identifies documentation and supporting materials needed during the review, and provides a list of resources related to requirements, regulations and industry guidance. Whether you complete your audit with internal staff or have WesPay conduct your audit, this document will help you to be organized and better prepared for this important undertaking.

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Picture of the productACH Audit Guide 2020 UPDATED
The WesPay Advisors ACH Audit Guide is designed for organizations seeking a tool to assist with self-completion that incorporates WesPay's collective experience from conducting hundreds of ACH Audits. This interactive guide provide examples of sound industry practices and includes popular reference tools, such as ACH Return and Notification of Change charts, Standard Entry Class Code definitions, Regulation E dispute flowchart, Sample Written Statement of Unauthorized Debit, and Stop Payment form. This document addresses all requirements in 2020 NACHA Operating Rules.

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Picture of the productACH Audit Guide for Third-Party Senders 2020
The WesPay Advisors ACH Audit Guide is designed for organizations seeking a tool to assist with self-completion that incorporates WesPay's collective experience from conducting hundreds of ACH Audits. This interactive guide provide examples of sound industry practices and includes popular reference tools, such as ACH Return and Notification of Change charts, Standard Entry Class Code definitions, Regulation E dispute flowchart, Sample Written Statement of Unauthorized Debit, and Stop Payment form. This document addresses all requirements in 2020 NACHA Operating Rules.

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Picture of the productACH Audit Requirements Sound Practices Checklists
Each Participating DFI, Third-Party Service Provider, and Third Party Sender must, in accordance with standard auditing procedures, conduct an internal or external audit of compliance with provisions of the ACH Rules in accordance with the requirements of this Appendix Eight. This updated Sound Practices publication contains helpful information gained by WesPay staff while conducting hundreds of audits over the last several years. Updated for 2019.

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Picture of the productACH Sample Policies
The ACH Sample Policies for Financial Institutions provides expert guidance in developing policies related to ACH payment processing, as both a Receiving Depository Financial Institution (RDFI) and Originating Depository Financial Institution (ODFI). Sections highlighted in red guide the user for items that need to be customized according to individual operations and policies.

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Picture of the productNot all ACH Origination Risk is the Same
This white paper highlights the varying degrees of risk inherent to the different types of ACH origination services, helping financial institutions to properly define these services, understanding their specific risks and recommending appropriate controls.

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Picture of the productRemote Deposit Capture Sample Policies
This Remote Deposit Capture (RDC) Sample Policies provides expert guidance to develop specific policies related to RDC processing and procedures. Sections highlighted in red guide the user for items that need to be customized according to individual operations and policies.

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Picture of the productACH Originator Guide
The ACH Originator Guide was designed for financial institutions to help onboard and educate their new ACH Originators. Upon purchase, the template toolkit will be downloadable via a license so you can tailor it to meet your needs, including adding your branding and completing the highlighted areas for customization. The Guide may be distributed to each of your Originators for the flat purchase price; however, it may not be shared via unprotected online and other public means or outside of the purchaser’s Originator portfolio. This robust ACH Originator Guide includes sample authorization forms, a glossary of common terms, an ACH overview, key Originator responsibilities, fraud mitigation best practices, and much more.

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Picture of the productACH Risk Management Handbook - 6th Edition
ACH participants must take action to control risk in any payment system including ACH. This edition explains the types of ACH payments risk, assesses the operational implications and provides best practices for developing an effective risk management program. In addition, case studies are included in each chapter to offer realistic examples to assist you in evaluating and implementing your risk control program.
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Picture of the productRemote Deposit Capture Risk Assessment Workbook
Updated to include Mobile Remote Deposit risks, this comprehensive, easy-to-use Remote Deposit Capture Risk Assessment Workbook is designed to assist Financial Institutions in addressing remote deposit capture risk. The Workbook content mirrors the FFIEC Remote Deposit Capture Risk Management Guidance. The Remote Deposit Capture Risk Assessment Workbook guides you in completing the step-by-step risk assessment. User-friendly worksheet questions are easily answered Yes/No and include room for comments, along with a designated action plan to assist you in developing a comprehensive RDC risk management program. Operations staff, risk managers, compliance officers as well as audit personnel will find this workbook a useful tool. (2019). (EPCOR)

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Picture of the productThird-Party Sender ACH Risk Assessment Workbook
This user-friendly workbook is designed to take Third-Party Senders step-by-step through the ACH risk assessment process. The workbook addresses risk criteria outlined in OCC Bulletin 2006-39, the FFIEC Retail Payments Systems' IT Examination Handbook and FFIEC Guidance to Internet Banking so that your company can identify strengths and weaknesses in your ACH risk management program. Third-Party Senders will find this tool valuable as they work to assess and mitigate ACH risk. (2020) (EPCOR)

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Picture of the productACH Risk Assessment Workbook
The ACH Risk Assessment Workbook is designed to assist Financial Institutions, both RDFIs and ODFIs, in addressing ACH risk. Content of the Workbook includes risk criteria as defined in the OCC Bulletin 2006- 39-ACH Risk Management Guidance, the FFIEC Retail Payment Systems IT Examination Handbook and the FFIEC updated Guidance to Internet Banking. Just by answering Yes, No or Not Applicable, this workbook will identify strengths and weaknesses in your existing ACH risk management program. Individual chapters address System and Controls, Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers and Direct Access to the ACH Operator, Operational and Transaction Risk, and Information Technology Risk. The ACH Risk Assessment Workbook guides you in completing the step-by-step risk assessment. User-friendly worksheet questions are easily answered and include room for comments, to assist in developing a comprehensive risk management program. Compliance officers, audit personnel and operations staff will find the Workbook a valuable tool. (2020) (EPCOR)

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