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Course description

This course delves into the basics of the ACH Network. Participants will have the opportunity to:

  • Learn how to navigate the 2020 ACH Rules book
  • Identify ACH participants and their responsibilities 
  • Understand the ACH Network transaction flows and related required components such as authorizations
  • Identify their bank’s participation, liability and warranties
  • Record how to identify new and upcoming Rules

NOTE: Attendees should have access to a copy of the 2020 Nacha Operating Rules and Guidelines for this course. Attendees will have the opportunity to tag sections, highlight important Rules changes, and more. 

If you do not currently have a 2020 Nacha Operating Rules and Guidelines book, you can purchase one:

  1. Through your bank’s Regional Payments Association (if applicable)
  2. Order through Nacha at 


  • Introduction 
  • Nacha and the Regional Payments Associations 
  • Participants
  • Transactions 
    • Processes and flow of credits and debits
    • Authorizations
    • Returns
    • Exceptions and Notifications of Change
    • Written Statement of Unauthorized Debit
    • Consumer and Corporate 
    • Trace Numbers
  • When is a bank an ODFI? 
  • Warranties and liabilities of each network participant 
  • Navigating the ACH Rules book 
    • Locate specific articles, sections and subsections
    • Identify new and future Rules changes
    • Document difference between new Rules process and updated definitions
    • Standard Entry Class Codes 
  • Primer of applicable Rules and laws, including government benefit payments 
  • Audits and Risk Assessments 
  • Rules Enforcement 


This informative session is designed as an introduction to the ACH Network and Rules. Any staff member new to this environment will benefit, including Operations, Branch Managers, Call Center personnel, Tellers, Customer Service representatives, Risk Managers, Compliance, Audit, Retail Managers, Trainers, Lenders, and Senior Management. 


Rayleen Pirnie

Rayleen is the founder and owner of RP Payments Risk Consulting Services, LLC. based in Missouri. She is a nationally recognized payments risk and fraud expert. Her programs educate financial institutions and businesses on topics ranging from payments fraud to information security. She is the author of several payments risk and fraud blogs geared toward helping organizations recognize threats and protect themselves from loss.Always interested in Risk Management, Rayleen has supported many notable organizations over the years. She is a member of the International Association of Financial Crimes Investigators, supporting their training programs since 1998. She sat on NACHA’s Risk Management Advisory group for two terms, and assisted with FSISAC’s first CAPP exercise. For 16 years Rayleen has spoken at national and regional conferences. Recent events include NACHAs Payments Conference, the American Bankers Association Risk Management Forum, the Security Matters annual conference at Murray State University, the Risk Management Association, and the Federal Reserve Bank of Kansas City Risk Management Conference.

Course curriculum

  • 1


    • Access Webinar

  • 2


    • Slides

    • ODFI Liability Breach of Warranty

    • Questions and Answers