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This webinar is designed to outline compliance with ACH Returns and help resolve the “confusion” while working on ACH returns. Identification of the ten most commonly used Return Reason Codes and their timeframes will be discussed. The return process can be complicated, this session will include details on "when, how, and why", while doing returns to remain in compliance with the NACHA Operating Rules. Included in this webinar will be an overview of the “entire” returns process (including timeframes and Return Codes), from your general returns to extended returns, dishonored returns, contested and corrected dishonored returns. The ACH Return process will be explained utilizing multiple examples to demonstrate.

  • Define commonly used ACH Return Reason Codes
  • Outline the specifics when returning ACH entries regarding timing and any necessary paperwork that needs to be included
  • Provide details on the opportunity available for “Faster Returns” should the RDFI choose to do ACH returns on the same day as the settlement date 
  • Provide details on the entire return process to include dishonored and contested dishonored returns
  • Describe the stop payment process and what it means for both consumer and corporate accounts
  • Identify what an unauthorized transaction is and how this helps you when returning unauthorized transactions
  • List the steps to the entire ACH return process – defining each step to remain in compliance with the NACHA operating rules

Doing ACH Returns can be confusing and frustrating. Each day in ACH operations, some entries need to be returned, whether it’s NSF, stop payment, unauthorized, or even authorization revoked. This session will identify the rules and take the confusion and frustration out of doing ACH returns and remaining in compliance with the NACHA Operating Rules. Same-Day ACH (SDA) has also changed the ACH Return process (if you select to do your returns same day as settlement date), this session will include discussion outlining the details on “faster returns”. Common ACH Return Reason Codes will be discussed with time-frames, paperwork needed, and any other details pertinent when processing the ACH return Entry. Examples to outline the process will help bring the learning home.

  • Describing the ACH return process in detail
  • General returns and extended returns
  • Dishonored returns and contested dishonored returns
  • RDFI Warranties when doing extended returns
  • Timeframes for each step of the ACH return process
  • How Same-Day ACH (SDA) can affect the ACH return process

  • Financial institution professionals (new/current operations staff)
  • Banking operations managers and staff
  • Compliance and risk professionals
  • Treasury management professionals
  • Aspiring and current AAPs (accredited ACH professionals)
  • Payroll processors
  • Company/Business owners (originators)
  • Banking managers/supervisors
  • Third-party service providers and third-party senders
  • Audit and compliance personnel/risk managers 

Donna K Olheiser, AAP, is the vice president of Education Services and founder of Dynamic Mastership, LLC. Donna is an enthusiastic and energetic Certified Master Trainer with over 14 years’ training experience. She has designed and facilitated over 100 training sessions each year with her expertise being the rules for companies and financial institutions when processing specifically ACH electronic payments, then scheduling the training events to facilitate/deliver the material through a variety of venues (webinars, teleseminars, in-person workshops, including regional and national conferences). Donna has over 24 years of experience in the financial services industry which includes 9 years’ experience as the education service director at a Regional Payments Association (RPA), where she managed and facilitated the entire education program for nearly 800 financial institution members. Prior to that, Ms. Olheiser spent 14 years in various departments with the Federal Reserve Bank of Minneapolis and also holds the Accredited ACH Professional (AAP) designation (achieved in 2004).

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