Exposure Limits – A Simplistic Approach to Setting and Managing

Duration: 60 Minutes
Exposure Limits are not just a good idea, it is a requirement of the NACHA Operating Rules and something regulators verify and do their system checks to be sure they are in place for each type of payment being sent, across multiple payment channels. Other electronic payments include person-to-person, account-to-account, electronic cash, and electronic benefit transfers.
Exposure Limits
Instructor: Donna K Olheiser
Product ID: 509335
Mobile Financial Services-MFS (the products and services that a financial institution provides to its customers through mobile devices, such as Remote/Mobile Deposit Capture); the risk for financial services continue to apply to MFS, the risk management strategies may differ from those currently used for traditional delivery channels. When it comes to technology-related risks, management should identify, measure, mitigate, and monitor the risks involved and be familiar with technologies that enable MFS.


Objectives of the Presentation
  • Tips for the ODFI to manage its credit exposures
  • Guidance for the ODFI to establish policies, procedures, and limits that acknowledge the risks certain businesses and customers bring to an ACH operation
  • Identifying the difference between low and higher risk businesses
  • Analysis of the financial institution's policies to ensure they clearly state the types of businesses and customers that are acceptable and best practices to meet the institution's standard credit review and approval process
  • Describe the due diligence process for the ODFI and its originating customers and the nature of their business
  • Defining the process for pre-funding or reserve arrangements that may be necessary to help control risk
Why Should you Attend
The NACHA Operating Rules, in Article 2 identifies the importance of setting Exposure Limits. These limits should be appropriate for the risks of each customer and the use of either pre-funding arrangements or having reserves in place can be effective in controlling potential losses. This session will identify the approach for setting exposure limits, handling over-limit exceptions, monitoring and reporting when necessary, plus ensuring exposure limit settings are within the requirements set forth by the network rules and any regulatory guidance.
Discussion on the structure behind setting exposure limits for these other payments channels such as person-to-person and account-to-account transfers.

Areas Covered
  • Outline the ongoing process for the ODFI to monitor the creditworthiness of its customers and reporting requirements
  • Suggest ways to establish and periodically review their ACH exposure limits
  • List the “how-to’s” for an ODFI to implement procedures to monitor ACH entries relative to the originator's exposure limit across multiple settlement dates
Who will Benefit
  • ACH Operations
  • Auditor
  • Compliance Officer
  • Payments Officer
  • Personal Banker
$300
Recorded Session for one participant
Get life time access with download option!
Book this course
Pay Now
  $450.00 Training CD
Free shipment within 4 Working Days of placing the order. Get life time access for unlimited participants.
  $550.00 Training USB Flash Drive
Free shipment within 4 Working Days of placing the order. Get life time access for unlimited participants.
For multiple location please contact our customer care team +1-510-857-5896.
How it works
Live Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • The webinar joining link, username and password for joining the webinar will be updated on your OCP Account 24 hours prior to the webinar
  • Presentation handouts in Downloadable PDF format will be updated on your OCP Account 24 hours prior to the live session
  • Login to the audio conference on the scheduled date and time
  • Get answers to your queries through interactive Q&A sessions via chat at the end of the session
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account 24 hours after the completion of the session
  • Please let us know your thoughts and views at the end of the webinar, your valuable feedback will help us improve
Recorded Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • Upon purchase of the recorded session a link will be updated on your OCP Account within 24 hours
  • Please click on the link to access the Recorded Session
  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account after 48 hours of the product Purchase
  • Please share your valuable Feedback at the end of the session
Instructor Profile:
Donna K Olheiser, AAP, is the vice president of Education Services and founder of Dynamic Mastership, LLC. She 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 electronic (specifically ACH) payments, then scheduling the events to facilitate and deliver the material through a variety of venues (webinars, teleseminars, in-person workshops, including regional and national conferences).

Her extensive knowledge, enthusiasm and passion for transferring payment processing knowledge using the adult learning theory is remarkable and has helped many payment professionals perform daily operational tasks including exception processing while remaining compliant with the NACHA Operating Rules. She uses scenarios and examples to bring the learning home, easy to comprehend and apply to real-life day-to-day ACH processing. Ms. Olheiser's ability to engage the learner through the entire training event helps the adult learner apply what they've learned during and after each training session.

She 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).
View More