Dates of Event & Pricing

$295 for Webinar and Playback*

*Playback has no expiration.

  • Thursday, April 18, 2024

  • 12:00 – 1:00 pm (Eastern Time)

  • 11:00 – 12:00 pm (Central Time)

  • 10:00 – 11:00 am (Mountain Time)

  • 9:00 – 10:00 am (Pacific Time)


This payments webinar is designed to provide network requirements for returning ACH transactions for the ODFI, RDFI, ACH Originators and Operators.  Attendees will learn the correct return reason codes based on their role in the transaction and the event results in the return (e.g., system return or consumer/business-initiated return).  This payments training is great for deposit and treasury operational and sales teams, compliance, internal auditors to bring insight to the return process.  

Topics include:

  • Network Rules and Guidelines for handling returns
  • Handling Dishonored Returns
  • Handling Contested Dishonored Returns
  • ODFI requests for returns
  • Request for Authorizations and Permissible returns
  • Best Business practices 


Upon completion of this course, participants will be able to:

  • Understand the ACH return process and the roles and responsibilities of ODFI, RDFI, ACH originators, and operators.
  • Identify and apply appropriate ACH return reason codes in various situations.
  • Comply with NACHA Operating Rules and Regulations for returning ACH transactions; and
  • Implement best practices and risk management strategies in handling ACH returns.

Who Should Attend? 

  • Deposit Operations/Electronic Banking 
  • Client Facing Teams 
  • BSA and Fraud 
  • Treasury Sales and Operations 
  • Compliance Officers 
  • Internal Audit 
  • Information Security/Technology 
  • Senior Management
  • Payments Professionals (May submit AAP/AAPR Continuing Education Credits


Secura Risk Management / Founder Terri Sands

Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations. Terri is an Advanced Certified Anti-Money Laundering Specialist, an At-Risk Adult Crime Specialist and an Accredited ACH Professional. Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri also served as the President of GACHA, a non-profit, regional payments association where she provided strategic direction for financial institutions in the payments industry. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District.


1.0 CPE Credits & 1.2 AAP Credits