Certifications

Advance Your Career with PaymentsFirst's APRP Training for Nacha's Certification
Enhance your proficiency in payments risk management with PaymentsFirst's APRP training, designed for Nacha's advanced certification program - the Accredited Payments Risk Professional (APRP) Certification. This esteemed certification recognizes individuals who demonstrate competence in managing risks across payment channels at an enterprise level. Secure your spot early for the next APRP exam and training sessions.

Propel Your Career with APRP Certification
Discover the transformative power of APRP certification, a catalyst for advancing both your financial institution and personal career. Having an APRP-certified employee signals a strong commitment to risk management and regulatory compliance, setting your financial institution apart. As an APRP, you not only rise above the rest but also showcase your unwavering dedication to the payments profession, actively contributing to risk mitigation for your employer. Embrace the assurance that APRP certification brings to both your professional journey and organizational success.

Series Preparation
PaymentsFirst offers a comprehensive APRP Prep Series that includes nine webinars that cover the details one needs to know for the APRP Certification Exam and learn all about payment risk, plus we have additional opportunities to study with our APRP team of experts.

Certification Training Dates - Coming Soon!

Key Information:

• Certification Focus: Identifying competence in risk across payment channels at an enterprise level.
• Registration: Ensure early registration for the upcoming APRP exam and training sessions.
• Exam Dates: August 5 - 31, 2024.

Exam Coverage: The APRP exam will comprehensively cover the following areas:

1. Fundamentals of Payments Risk Management
2. Payment Systems
3. Payments Risk Policy & Governance
4. Payments Risk Management Systems and Controls
5. Physical and Information Security
6. Regulatory Environment

Prepare yourself for success in payments risk management and elevate your professional standing with PaymentsFirst's APRP training program.

• 04/03 - Orientation/welcome session
• 04/10 - Payment Systems
• 04/17 - Regulations, Part 1
• 04/24 - Regulations, Part 2
• 05/01 - Risk Fundamentals, Part 1
• 05/08 - Risk Fundamentals, Part 2
• 05/15 - Risk Fundamentals, Part 3
• 05/22 - Payments Risk Policy and Governance, Part 1
• 05/29 - Payments Risk Policy and Governance, Part 2
• 06/05 - Payments Risk Management and Controls, Part 1
• 06/12 - Payments Risk Management and Controls, Part 2
• 06/19 – Holiday - No APRP Session
• 06/26 - Physical and Information Security

Member Pricing - $1,095
Non-Member Pricing - $2,190

Register Here!

Unveiling the NCPC Program for Check Professionals
The NCPC (National Check Professional Certification) program, facilitated by the Electronic Check Clearing House Organization (ECCHO), acknowledges individuals who have demonstrated a specific comprehension of the contemporary check payments landscape.

Attain Distinction as an NCP: Elevating Your Expertise in the Check Payments Landscape
Earning the National Check Professional (NCP) designation marks you as a professional with an advanced understanding of the current check payments landscape. This distinction sets you apart by:

1. Acknowledging your in-depth knowledge of check payments.
2. Positioning you as a leader in your field.
3. Strengthening your professional credibility.
4. Demonstrating your commitment to exceptional customer service.
5. Showcasing your dedication to staying abreast of industry trends and relevant topics.
6. Creating opportunities for professional advancement.

Become an NCP and stand out in the realm of check payments with recognized expertise and commitment to excellence.

Why Your Financial Institution Needs an NCP: Staying Ahead in Check Payments
Even as check volumes decrease, the prevalence of check fraud is on the rise. Employing a National Check Professional (NCP) on your staff is crucial for maintaining compliance, reducing losses, and staying ahead of industry developments. NCPs bring proven expertise in all key facets of the check payment system, encompassing products and operations, pertinent rules and laws, industry standards, and effective fraud and risk mitigation strategies.

So you want to be an NCP? Complimentary recording and resources:

View Video Here

NCP Blueprint - 2024 - Handout

NCP Jump Start Reading Program - 2024 - Handout

So You Want to be an NCP 2024

What does Exam Encompass for Checks?
The National Check Professional Certification (NCPC) Exam comprehensively assesses four key domains within the check business:

1. Rules, laws, and regulations
2. Fraud and Risk Mitigation
3. Operations
4. Products

Mark your calendar for the upcoming exam scheduled from April 20 to May 11, 2024.
To register for the NCPC Exam, kindly visit the ECCHO website for additional details on the program, including registration information.

PaymentsFirst NCPC Training Package:

• 12 Webinar Training Sessions including:
  • Check Payments and Check Processing - January 16 
  • Check Products - January 23
  • Regulations - Uniform Commercial Code (UCC) 3 & 4 - January 30
  • Regulations - Regulation CC Part 1 - February 6
  • Regulations - Regulation CC Part 2 - February 8
  • Standards and Formats - February 20
  • Image Exchange Rules and Agreements: ECCHO Rules - February 27
  • Image Exchange Rules and Agreements: Fed OC 3 - February 29
  • Image Exchange: Processes - March 5
  • Exceptions - Returns and Adjustments Part 1: Overview & FRB - March 12
  • Exceptions - Returns and Adjustments Part 2: ECCHO & Treasury Check Reclamations - March 14
  • Fraud, Risk and Risk Mitigation - March 19
• 1 Virtual Open Forum - March 26
• Virtual Study Buddy

PaymentsFirst Member Price: $1095 (PaymentsFirst members)
$2,190 (Non members)

Register Here

PaymentsFirst Review Course Training: $395 (2 days) April 10-11 Dates Subject to Change

Additional Study Materials: 
Flash Cards: $120
Check Pro: $100

Affirm Your Expertise in Faster Payments

The landscape of payments is evolving rapidly, especially with the advent of Same Day ACH, RTP®, and FedNow®. To stay ahead, being well-prepared is more crucial than ever.

Introducing the Faster Payments Professional (FPP) certificate, a groundbreaking program designed to equip professionals with comprehensive insights into faster payments and familiarity with current offerings. Obtaining this certificate validates your proficiency in the dynamic field of faster payments. The certificate program is divided into three (3) distinct modules, each comprising pre-recorded webinars for flexible, self-paced study. Upon completion of each module, a brief quiz awaits. After finishing all modules and quizzes, a final certification exam will be available. Each module is available for individual purchase, allowing you to tailor your learning experience to your specific needs.

Module 1: Faster Payments Fundamentals

• Terminology
• Platforms and Platform Basics
• Defining Participants and Participant Roles
• Technology
• Basic Rules and Regulations

($299 Members/$598 Non-Members)
(Release Date: April 1, 2023)

Module 2: Faster Payments Functionality 

• Authentications
• Authorizations and Agreements
• Operational Functions
• Eligibility and Enrollment Requirements

($299 Members/$598 Non-Members)
(Release Date: November 15, 2023)

Module 3: Faster Payments Fraud, Risk & Legal 

• Fraud Review
• Rules Considerations
• Regulatory Risk Management
• Liquidity Management

(Early 2024)

Review Course & Exam

(Early 2024)

Faster Payments Professional Certificate 

(Available early 2024)

PaymentsFirst is proud to introduce our new ElevateU - ACH Certificate!

Are you a newcomer to the world of ACH? Perhaps you've been engaged in ACH activities for a considerable time and aspire to enhance your grasp of electronic payments. Demonstrating your unwavering commitment to professionalism and maintaining a competitive edge in the industry is crucial. If you're not prepared to take the plunge into the AAP program just yet, consider embarking on this guided path designed to help you achieve your individual and professional objectives. Complete all three certificates below and receive your PaymentsFirst ElevateU Certificate!

Basic Certificate

• Module 1
  • Introduction to Financial Operations
  • Payment Rails Defined (and History)
• Module 2
  • ACH Participants
  • ACH Transaction Flow
• Module 3
  • ODFI Operations
  • General ODFI Warranties
  • Originators
  • Prenotifications
  • Returns / NOCs
• Module 4
  • RDFI Operations
  • RDFI Responsibilities
  • Receivers
  • Prenotifications
  • Exceptions / Returns / NOCs
  • Funds Availability
  • Stop Payment and Written Statements of Unauthorized Debit (WSUD)

Review Modules 1 – 4: Quiz – 80% to pass - 30 questions, Multiple Choice ($295 for PaymentsFirst Members/$590)

Intermediate Certificate

• Module 1
  • Review PaymentsFirst Elevate U – Beginner Certificate
  • ACH Participants
  • Transaction Flow with a Third-Party involved
  • Risk Management
• Module 2
  • Agreements
  • ODFI / Originator Agreement – required minimum
  • Sending Point Agreement
  • Receiving Point Agreement
  • Authorizations – required minimum
• Module 3
  • Regulations and impact on ACH
  • 31 CFR 210
  • Regulation D and CC
  • Regulation E
  • UCC4A
  • BSA / AML Requirements
  • OFAC
• Module 4
  • Data Security
  • Data Security concepts and terminology
  • ACH Data elements
  • Data Encryption and Access control
  • Authentication
  • Incident Response
  • Processing Contingency Plans
  • Regulatory and Industry requirements
  • Business Impact Analysis (BIA)
  • Risk Assessment
  • Contingency Plan Development
  • Recovery Strategies
  • Communication
  • Testing and Drills

Review Modules 1 – 4: Quiz – 80% to pass - 30 questions, Multiple Choice ($295 for PaymentsFirst Members/$590)

Advanced Certificate

• Module 1
  • Review PaymentsFirst Elevate U – Beginner and Intermediate
  • Fraud Prevention and Detection
  • Cybersecurity
• Module 2
  • ACH File Formats
  • ACH Data Analytics
• Module 3
  • The Green Book / Federal Payments / Reclamations
• Module 4
  • Same Day ACH / Faster Payments / Instant Payments
  • IAT Transactions
  • Digital Wallets and Real-Time Payment Systems
  • Emerging Payment Strategies

Review Modules 1-4: Quiz - 80% to pass - 30 questions, Multiple Choice ($295 for PaymentsFirst Members/$590)

Final Exam

80% to pass - 100 questions

Attain your ACH Certificate with the PaymentsFirst ElevateU program - receive a tangible printed certificate after you have completed and passed the quizzes for all three modules. Continue your learning journey by earning credits annually through ACH courses, and unlock a $50 discount to attend the Solutions Payments Conference. Gain recognition as a rising star at the conference and enjoy discounts on additional education courses throughout the calendar year. After one year of earning your certificate, if you would like to continue to move forward in your career, we highly recommend participating in the AAP training, setting the stage for earning the AAP Certification. As a bonus, all ElevateU Certificate earners receive a $100 discount on AAP Training Preparation.