Webinar: 

Beyond the Checkboxes: Turning Your ACH Risk Assessment into Action

💡 Webinar Overview

This webinar training reinforced that ACH risk assessments shouldn’t be “check-the-box” exercises to satisfy examiners. Instead, the focus is shifting toward:

1. Actionable Risk Mitigation

• Risk assessments must be living documents that directly inform controls, procedures, and monitoring.

• Auditors and regulators are looking for evidence of how risk assessments feed into actual practice—not just completion.

2. Quantifying and Categorizing Risk

• Risks need to be broken down by:

  • Originators, SEC codes, exposure limits, return activity, and volume.

  • External vendors, third parties, APIs, and file transfer processes.

• High-risk entities (e.g. same-day ACH originators, third-party senders) should trigger specific due diligence and monitoring.

3. Data-Driven & Role-Specific Reporting

• Internal ACH risk scoring, trend analysis, and reporting must be tailored for operations, risk officers, and executive-level decision-makers.

• ACH risk programs must intersect with enterprise risk frameworks, vendor management, and fraud programs.

4. Use of Technology and AI

• Automation and dashboards were recommended for:

  • Real-time risk identification

  • Tracking action plans tied to assessment findings