The ACH Risk Assessment Workbook is designed to assist Financial Institutions, both RDFIs and ODFIs, in addressing ACH risk. Content of the Workbook includes risk obligations as defined in the OCC Bulletin 2006- 39, ACH Risk Management Guidance, the FFIEC Retail Payment Systems IT Examination Handbook and current NACHA Rules. By answering Yes, No, or Not Applicable, this workbook will identify strengths and weaknesses in your existing ACH risk management program. Individual chapters address System and Controls, Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers, Fraud Risk, Operational and Transaction Risk and Information Technology Risk. EPCOR's ACH Risk Assessment Workbook guides you in evaluating the FI's ACH risks by asking thought provoking questions about its current ACH policies, procedures, and processes. The 2024 ACH Risk Assessment Workbook has been updated to include a chapter specific to fraud risk that addresses data security, personnel practices, physical security, and operational controls. Other enhancements include the addition of questions related to credit risk related to Originator due diligence and Business Continuity planning and testing. User-friendly worksheet questions are easily answered and include room for comments, to assist in developing a comprehensive ACH risk management program for your FI. Compliance officers, audit personnel and operations staff will find the workbook a valuable tool.

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