Risk
APRP Preparation Publications Package
Various Formats
The APRP (Accredited Payments Risk Professional) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the APRP examination, administered once in the fall each year, the following publications are recommended:
APRP Preparation Publications Package includes:
- ACH Rules Book – Online Resource Code or Hardcopy
- ACH Compliance Manual - Hardcopy
- Revised Uniform Commercial Code Article 4A and the ACH System - Hardcopy
- ACH Risk Management Handbook - 8th Edition - Hardcopy
- APRP Flashcards – Electronic Version
Online Resource (web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:
- Customized Bookmarking
- Keyword/Phrase Search
- Copy options
- Printing options
Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.
Please Note: All digital purchases are final.
ACH Risk Assessment Workbook
Electronic Format
Designed to assist Financial Institutions, both RDFIs and ODFIs, in addressing ACH risk, this workbook covers risk obligations as defined in OCC Bulletin 2006- 39, ACH Risk Management Guidance, the FFIEC Retail Payment Systems IT Examination Handbook and current ACH Rules. Chapters include System and Controls, Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers, Fraud Risk, Operational and Transaction Risk, and Information Technology Risk. Recent updates address data security, personnel practices, physical security, operational controls, credit risk related to Originator due diligence and Business Continuity planning and testing. By completing user-friendly worksheets, this workbook will identify strengths and weaknesses in your existing ACH risk management program and assist with the development of a comprehensive risk management program. Compliance officers, audit personnel and operations staff will find this to be a valuable tool.
ACH Risk Management Handbook - 9th Edition
Hardcopy
The newly updated 9th edition offers essential insights into Nacha’s strategies for identifying and mitigating risks associated with ACH payments. This publication provides comprehensive recommendations for developing an effective risk management program tailored for organizations involved in ACH transactions. Importantly, the threats to ACH payments are not unique to the ACH Network; the lessons learned can be applied to create a holistic payments risk management program. The edition includes the latest 2024 Rules focusing on credit push fraud and offers methods to address evolving fraud tactics. Additionally, real-world case studies in each chapter illustrate practical applications of the concepts discussed, helping organizations evaluate and enhance their risk management practices.
ODFI Risk Management Guide
Electronic Format
This guide provides users with a structured framework for identifying, assessing, and mitigating ODFI-related risks within the ACH environment, supporting effective oversight, compliance, and risk-management practices for originating ACH activity.
This guide contains the following attachments:
• ODFI Risk Management Guide
• ODFI Risk Management Checklist
• ACH Origination Approval Form
• ACH Exposure Limit Change Request Form
• ACH Originator Signature Agreement
• Company ACH Transmittal Letter
• ACH Origination Activity Review Form
• ACH File Confirmation Form
• ACH Security Framework Guidance and Checklists
Format: PDF/Word
Please Note: All digital purchases are final.
Reg E All-in-One Resource Guide
Electronic Format
Does your financial institution have the appropriate procedures and documentation in place to effectively comply with Regulation E error resolution requirements? Compliance is a necessity for all financial institutions. Don’t spend your valuable time writing and creating documents! The Regulation E Resource provides essential sample documents you need to establish or enhance your Regulation E error resolution processes and maintain compliance:
- Regulation E Error Resolution Procedures
- Electronic Funds Transfer Error Resolution Log
- EFT Error Resolution Timeline Quick Reference Chart
- Regulation E Employee Training Log
- EFT Statement of Dispute
- Sample Notification Letters
This resource comes with one license and is intended for use by the purchasing organization only.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Regulation E and Faster Payments: Error Resolution, Unauthorized Transfers, and Fraud on RTP®, FedNow®, and Zelle®
Electronic Format
When a consumer says "I did not send that," the clock starts ticking. This fully rewritten 2026 edition connects Regulation E’s error-resolution machinery to RTP®, FedNow®, and Zelle®, including the push-payment scam question every institution is wrestling with.
Inside the book
Sixteen chapters covering Regulation E and instant payments, what counts as an error, the error-resolution clock, network rules, police reports, and merchants, unauthorized EFTs and consumer liability limits, the CFPB scenarios, fraudulent inducement and negligence, authorized versus induced push-payment scams, agreements and finality, the RTP® and FedNow® rules for consumer payments, Nacha False Pretenses and credit monitoring, Regulation E in 2026, policies and procedures, and case studies that put it all together. Appendices include the clocks, key dates, a glossary, a procedure toolkit, and a quiz answer key with final review.
Who it’s for
Deposit operations and dispute staff, electronic banking and payments teams, fraud analysts, branch and contact center leaders, and the compliance, audit, and risk professionals who write the procedures.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Remote Deposit Capture Risk Assessment Workbook
Electronic Format
The RDC Risk Assessment Workbook is a comprehensive, easy-to-use tool designed to assist Financial Institutions in addressing their 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 questions. The user-friendly Excel worksheet questions are easily answered with Yes, No, or Not Applicable and include room for comments, 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.
Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition
Hardcopy
The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.
Sample ODFI Exposure Limit Form
Electronic Format
This sample form is useful for determining ACH Exposure limits for new and existing Originators. It includes sections for company details, ownership, banking relationships, ACH activity, credit and financial evaluations, and authorization signatures.
Format: Word
Please Note: All digital purchases are final.
Security Incident Response Procedure Guide
Electronic Format
The Security Incident Response Procedure Guide helps companies quickly identify, report, and respond to security incidents and potential data breaches. It provides clear, practical steps aligned with industry best practices, helping organizations reduce risk, strengthen incident response readiness, and protect sensitive information.
Format: PDF
Please Note: All digital purchases are final.
Wire Risk Assessment for Financial Institutions
Electronic Format
Wespay’s Wire Risk Assessment for Financial Institutions is designed to provide financial institutions with a template to complete an assessment of the risks related to its Wire Transfer services, including Remittance Transfers. It includes common risks faced by institutions and Wespay encourages your organization to use it as a starting point to customize this assessment by adding, subtracting, and/or modifying these common risks to best reflect the risks faced by your business.
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