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Designed to assist both RDFIs and ODFIs in managing ACH‑related risk, this Workbook provides comprehensive guidance aligned with OCC Bulletin 2006‑39, the FFIEC Retail Payment Systems IT Examination Handbook and the applicable Nacha Operating Rules. It retains the core structure of chapters covering Systems and Controls, Credit Risk, High‑Risk Activities, Compliance Risk, Third‑Party Service Providers, Fraud Risk, Operational and Transaction Risk and Information Technology Risk. This Workbook emphasizes foundational expectations such as risk‑based policies, Originator and Third‑Party Sender oversight, regulatory compliance and governance practices aligned with industry standards.

Updates introduced for 2026 enhance the Workbook’s coverage of emerging risks, most notably the expanded Fraud Risk chapter, which now includes a new Fraud Monitoring section addressing credit‑push fraud, anomaly detection and risk‑based monitoring obligations for both RDFIs and ODFIs. Additional refinements appear throughout, including clarified operational requirements, updated Board and management responsibilities and strengthened expectations for data security, personnel controls, physical safeguards and business continuity planning. By completing the Workbook’s structured, user‑friendly worksheets, financial institutions can more effectively identify strengths and weaknesses in their ACH risk programs and develop a robust, compliant and forward‑looking risk management framework. 

This publication is copyrighted, and purchase is good for one download/use.