Compliance Requirements for Unauthorized Returns with recently Approved Changes to the Rules

Donna K. Olheiser

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In this 60-minute session, the trainer will cover all the recently approved changes and details for returning an unauthorized transaction, including when to use a R10 or an R11 Return Reason Code. Examples used throughout the session will outline these changes, describe their effect on you as a participant in the ACH network, whether you are an RDFI or an ODFI.

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Why Should You Attend:

  • When a Receiver (account holder) at the RDFI states they have an ACH Entry that is unauthorized, the RDFI will comply with the request and by following the NACHA Operating Rules, send the Entry back as an unauthorized Return Entry. Specific Rules are outlined for this process during this 60-minute session with examples of how and what these changes will mean to the RDFI, the ODFI and the Originator of the ACH Entry being returned.
  • Details on newly approved changes and options when doing ACH Returns for questionable items that don’t post (R17) and for unauthorized Entries, based on the specific detailed “reason” for the unauthorized Return Entry.
  • Differentiating between the specific reasons for sending an unauthorized Entry (using R10 or R11) is crucial when sending the right message back to the Originating company to help them further identify the specifics of “why” the Entry is being returned.
  • Identifying the details and how this additional unauthorized return reason code is being monitored by the ODFI to comply with their reporting requirements (as defined by NACHA) during a phased approach going into 2021, will be covered.
  • The trainer will use scenario-based examples to make the changes easy to understand and apply to the daily ACH operations tasks. This is a must-attend session, Register Today!

Areas Covered in the Webinar:

  • Identify what an unauthorized transaction is and how this helps you when returning unauthorized transactions
  • List the steps to the entire ACH Return Process – defining each step to remain in compliance with the NACHA Operating Rules
  • List the options for unauthorized ACH Return Reason Codes (R10 & R11)
  • Details on the most recent change to specifying the details of an unauthorized return by adding R11 to further define the “why”
  • Outline the specifics when returning unauthorized ACH Entries regarding timing and details on any paperwork needed
  • Describe the impact to the ODFI Reporting Requirements for R11 going forward during a phased approach in 2020 and 2021

Who Will Benefit:

  • Financial Institution Professionals (New/Current Operations Staff)
  • Banking Operations Managers and Staff
  • Compliance and Risk Professionals
  • Treasury Management Professionals
  • Aspiring and Current AAPs (Accredited ACH Professionals)
  • Company / Business Owners (Originators)
  • Banking Managers/ Supervisors
  • Audit Personnel

Webinar Events
Live -Coming soon!

Training CD-DVD

Physical CD-DVD of recorded session will be despatched after 72 hrs on completion of payment

Recorded video

Recorded video session

Speaker: Donna K. Olheiser,

Donna K Olheiser, AAP, is the Vice President of Education Services and founder for Dynamic Mastership, LLC. She is an enthusiastic and energetic Certified Master Trainer with over 14 years experience, she designed and facilitated over 150 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/deliver the material through a variety of venues (webinars, tele-seminars, in-person workshops, including regional and national conferences). Donna is also is an experienced Project Manager managing education programs for organizations processing electronic payments and developing personalized training programs for financial institutions. Donna has over 23 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, Donna 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). Donna's 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. Donna'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. If you have not attended a session with Donna, you should add at least one session to your "to-do list" in 2015, definitely worth your investment!

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