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The Importance of Exposure Limits


Event Details*
Thursday, April 13, 2023
2:00 - 3:00 pm ET
Webinar; 1.2 AAP/APRP CEU Eligible
Level: Beginner

Event Registration**
Member Price: $225.00
Non-Member Price: $325.00

Offering ACH Origination services to businesses can provide a financial institution with many benefits, including the ability to onboard and retain healthy business relationships. As with most rewards, there is risk associated with this service offering. Offering ACH Origination services should be balanced by having an effective risk management program to help the organization mitigate the risks associated with ACH Origination.

One of the best risk mitigation strategies with ACH Origination involves the onboarding process to grant access to these higher-risk services. The factors included in this process include application, prescreening, formal underwriting/review and establishment of exposure limits, and finalization of the agreement, set up, and initial training. Ensuring Originators have exposure limits that are appropriately established for ACH Origination functionality is a critical part of this process. This session will explore the importance and associated requirements for establishing, monitoring, and reviewing exposure limits for Originators at ODFIs. This session will also examine the implications of Same-Day ACH and the need to evaluate exposure for Same-Day ACH separately. Lastly, this session will explore the reporting requirements for an ODFI associated with having Originators and Third-Party Senders.

In this session attendees will:
• Understand the Originator selection process
• Describe Origination Agreement requirements
• Identify the criteria used to determine exposure limits
• Recognize the importance of establishing, monitoring, and reviewing exposure limits
• Identify the reporting requirements for Originators/TPS

Mark Dixon, AAP, APRP, NCP, Vice President, Education, NEACH

• AAPs
• ACH Coordinators
• Compliance
• Electronic Banking
• Financial Institutions
• Operations
• Product Management
• Risk/Compliance
• Treasury Management

You might also like:
• Risky Originators: Are Your ACH Originators Meeting Your Risk Appetite?

*Please note that the access information will be sent to you in a separate email upon receipt of payment. Access information and support are only provided during normal business hours.

** This event is part of the NEACH Education Club. Members who join the Club save $75 off the cost of this event.

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