PALS Courses and Recorded Webinars
Maximize your training budget with our Recorded Webinars and our NEW PaymentsFirst Anytime Learning System (PALS). Your organization will have access to the recording anytime, any day, from anywhere. Our library provides core curriculum you need to train your staff on-demand!
Stay on top of emerging trends and regulatory issues, all the while maximizing your training budget. Your confirmation will include the recording link that you can share internally within your organization.
Recorded Webinars are posted and available 48 hours after the live webinar recording date.
PALS Courses will be added throughout the year.
AAP/APRP Continuing Education Credits for Webinar Recordings
The AAP Blue Ribbon Panel and the APRP Oversight Panel now allow you to obtain all of the maximum 20 hours earned in calendar year through self-study, webinars (live and recorded) or online seminars.
Please note, AAPs and APRPs are not able to re-submit credits for any webinar they listened to during the live broadcast, and management certification for time spent listening is required. Please reference NACHA's AAP Continuing Education Guidelines and APRP Continuing Education Guidelines for more information.
Introducing PALS! - COMPLIMENTARY POWER HOUR
Have you heard about PALS, the newest education offering from PaymentsFirst? PALS is our Anytime Learning System where you can view our Recorded Webinars and Power Hours as well as our new On-Demand Courses that we will be adding throughout the year!
Join us as we take you for a walk through PALS! Some of the benefits include:
- Individual access with event and continuing education credit tracking
- Tiered pricing for multiple registrants
- Instant access to the Webinar, Power Hour or On-Demand Courses (no waiting on a link!)
- Access to Webinar/Power Hour handouts and On-Demand Course Resources
- Certificates of Completion
This is an informational session. There are no continuing education credits for this session.
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
ACH 101 - PALS Online Course
This course is customized for beginners, and addresses the basics of the ACH Network.
Topics discussed include:
- Transaction Flow
- Commonly used Terms/Acronyms
- Standard and Extended Return Timeframes
- Return Item Processing
- Prenotifications and Notifications of Change
- Differences between Consumer and Corporate payments
- Basic Authorization and Retention Requirements
AAP/APRP credits - 0.6
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
ACH 201 - PALS Online Course
Do you have a basic understanding of both the Receiving Depository Financial Institution (RDFI) and the Originating Depository Financial Institution (ODFI) roles and responsibilities with ACH? This course will cover the following topics:
Key topics:
- Sound Business Practices
- Policies and Procedures
- Risk Mitigation
- RDFI Warranties and Liabilities
- ODFI Warranties and Liabilities
AAP/APRP credits - 0.6
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
ACH Authorizations: A Deep Dive - PALS Recorded Webinar
Even though authorizations have existed for almost forty years, there is still some confusion regarding what is and what isn’t an authorization. Join us as we take a deep dive into ACH Authorizations.
Topics of discussion include:
- Single vs Recurring
- Notice = Authorization (ARC, BOC, POP, RCK)
- Telephone Initiated (TEL
- Internet-Initiated/Mobile (WEB)
- Standing Authorizations (New in 2021)
- Oral Authorizations (New in 2021)
AAP/APRP credits 1.8
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
ACH Contact Registry - COMPLIMENTARY POWER HOUR
Have you ever struggled to find the right person at another financial institution to help with a question or a transaction, only to end up with the wrong person or a dead end? Gratefully, the struggle to find someone is in the past. Join us as we learn about Nacha’s new ACH Contact Registry! This new resource, offered by Nacha, will allow Financial Institutions to locate and obtain contact information for assistance with questions or issues at other institutions more quickly and efficiently. In this Power Hour discover the following:
- Who is permitted access to use the Registry
- What information is included in the Registry
- How this resource will benefit you
- Impacts and requirements behind this amendment for institutions to provide this information
- Requirements on when and/or how often the information has to be updated
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
ACH Origination 101 - PALS Online Course
Are you looking to start ACH origination in your institution? While the process is not complicated, it not just turning on a switch and announcing the service to business clients. Join us as we spotlight the areas that you want to consider and decisions to be made before "announcing" ACH origination to the world. We offer some sound business practices that will help start the process and make it successful.
Credits - 0.4
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
ACH Summer Series - Specialty SEC Codes - PALS Recorded Webinar
Do you have a new employee or someone that needs a little refresher? Send them to Summer Camp!
This session will cover those special SEC codes that have specific requirements on the financial institutions that send or receive them.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Artificial Persons - COMPLIMENTARY POWER HOUR
This session will cover the current state of automatic text generation, realistic chat bots, artificial imagery and video, and arterial online persona. We will also look at how it effects coversations, security and decision-making.
Our speaker, Dave Bernard with The Intellection Group, delivered this well-received session at our 2020 Virtual Solutions Conference and agree to present it again for our October, 2021 Power Hour.
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Cannabis Banking - COMPLIMENTARY POWER HOUR
Join us as our speaker, Alan Hanson from Gleam Law, provide a basic session on Cannabis and Cannabis banking. Gleam Law is a cannabis law firm specializing in hemp, cannabis and legal marijuana matters. Topics include:
- What is Cannabis?
- What is Legal?
- Is Cannabis Banking Legal?
- How NOT to Bank the Industry
- How to Bank Hemp Business
- How to Bank Marijuana Related Business
AAP / APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Card Basics - PALS Online Course
This course will provide a basic overview of card payments. Topics include:
- Type of Card Payments
- Participants in the Card Network
- Regulations
- The Difference between Credits & Debits
- Card Process Flow
- Card Network Rules
AAP/APRP credits - 0.5
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Check Basics - PALS Online Course
Are checks a mystery to you? Do you need to learn more about the participants in the Check network? Do You know the difference between check clearing and check collection? What about the rules and regulations that govern check? If so, this course is ideal for you!
AAP/APRP credits - 0.6
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Credit Underwriting Basics - PALS Online Course
This course will provide a basic overview of credit underwriting. Topics include:
- Analyzing Risk
- Client Parameters
- Creditworthiness
AAP/APRP credits - 0.5
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Cyber Account Takeover, Fraud and Current Issues - PALS Recorded Webinar
Cyber criminals use a variety of methods to steal information and commit fraud. With financial institutions relying increasingly on internet based products and automation, the amount of data being transferred is staggering. When you consider that, you can understand why cybersecurity and data protection continues to be a focus of examiners. Join us as we look at the current state of account takeover and identity theft, topics will include:
- Up-to-date information on identity theft and fraud
- Effects of Economic Impact (Stimulus) Payments
- Unemployment Fraud Scheme
- Best practices to help keep your organization safe
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Regulation E - P2P - PALS Recorded Webinar
Cyber criminals use a variety of methods to steal information and commit fraud. With financial institutions relying increasingly on internet based products and automation, the amount of data being transferred is staggering. When you consider that, you can understand why cybersecurity and data protection continues to be a focus of examiners. Join us as we look at the current state of account takeover and identity theft, topics will include:
- Up-to-date information on identity theft and fraud
- Effects of Economic Impact (Stimulus) Payments
- Unemployment Fraud Scheme
- Best practices to help keep your organization safe
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Data Security Privacy - COMPLIMENTARY POWER HOUR
In this age of data breaches, payments data is a hot ticket to hackers. The Nacha Operating Rules have specific requirements on how and what to control regarding the security of the payment data. Join us as we cover the ACH Security Framework as well as the new updated rules going into effect this year.
AAP / APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Debit Card Disputes - PALS Recorded Webinar
Financial institutions must ensure that they are correctly interpreting Regulation E and are compliant with all of the requirements for processing error disputes for debit card transactions. This webinar will review the error resolution process and the very specific requirements for disclosing information to your customers during the investigative process.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Digitization of the Account Opening Process - COMPLIMENTARY POWER HOUR
PaymentsFirst and the Center 4 Payments recently launched their second nationwide market study focusing on Digitizing Payments: The Online Account Opening Experience. The survey examines current financial institution practices and procedures to safely manage online account opening, and to detect, evaluate, and mitigate associated risk throughout the online account opening process.
The study brings into focus:
- Online account opening is a growing trend;
- Risk avoidance is a key rationale for not offering online account opening;
- Financial institutions are diligent about fraud mitigation associated with online account opening;
- Various tools are used to mitigate risk and fraud with online account opening.
The digitization of financial services is a trend that is expected to continue. While digital financial services present unique risks to organizations, they can be mitigated. By leveraging the information outlined in the study, financial institutions can continue to meet the needs of their customers and members, while protecting their interests and safeguarding the U.S. financial system.
Guest Speaker - Sean Carter, AAP, NCP - President & CEO - NEACH
AAP / APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
EIP Payment Issues - COMPLIMENTARY POWER HOUR
Focusing on the challenges you have been facing in 2021, financial institutions have been diligently working through EIP’s (economic impact payments) received from the Treasury. Join us, as we discuss some of the common pain points and fraud scams that our members have been faced with this past year, as well as some other key issues involving Unemployment Fraud, Advanced Child Tax Credit Payments, PPP loans, and EIDL loans.
Areas covered in this session include:
- Processing Issues and Concerns
- Identifying Common Fraud Scenarios
- Discussion on Collection and Garnishment
- Common Challenges and how to Mitigate that Risk
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Elder Financial Abuse - PALS Online Course
Financial Elder Abuse is viewed as one of the fastest growing crimes in the US. As of the last census, over 41 million citizens were identified as aged 65 and older. This represents over 18% of the population. By 2030, the number could reach almost 75 million!
Why should you be concerned? Money!
These individuals hold nearly 70% of all savings deposits in commercial banks, nearly 80% of dollars in savings institutions and 80% own their homes. Because of the vast holdings, these individuals are easy targets for abuse. Bloomberg estimates these losses at almost 37 Billion a year! This session will include:
- What constitutes as financial elder abuse
- Identification of "Mandatory Reporter" (the laws vary by state)
- What you can do to protect these individuals at your institution
AAP/APRP credits -
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Excused Delay, OFAC and Third-Party Sender Registration - COMPLIMENTARY POWER HOUR
For our first quarter Power Hour, we'll focus on three topics that always lead to questions:
- Excused Delay
- Always a popular question around this time of the year. Can I claim it if our system or data line goes down? How do I claim "Excused Delay"?
- OFAC Screening
- We'll review the OFAC screening requirements and answer the eternal question, "Can I memo-post and then screen our IATs?"
- Third-Party Sender (TPS) Registration
- We explain what a TPS is and isn't, the requirement for registration in the Nacha Risk Management Portal and the NEW requirement regarding Nested Third-Party Senders
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Exposure Limits - PALS Online Course
This course will cover the basics of establishing exposure limits. Topics will include:
- The initial analysis and controls
- Establishing and managing exposure limits
- Limit review and monitoring of various metrics
Please note, while not required, it is highly recommended that you complete the Credit Underwriting Course prior to the Exposure Limits Course. The Credit Underwriting Course will provide some basic information on some of the topics covered with Exposure Limits.
AAP/APRP credits - 0.8
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Fallback Transctions- PALS Online Course
What is a fallback transaction? A fallback transaction normally occurs when a chip card, presented at a chip terminal, cannot be read due to a technical issue with the chip which results in the technology “falling back” to a magnetic stripe transaction. During this course you will learn common terms used during EMV fallback, common fallback scenarios, and why EMV transactions fallback to magnetic stripe transactions.
AAP/APRP credits - 0.5
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Federal Government Payments - Update to the Green Book - PALS Recorded Webinar
The U.S. Treasury and Bureau of Fiscal Service have made updates to the Green Book, a comprehensive guide for financial institutions receiving government ACH payments, which include applying a refreshed look, incorporating recent Nacha Rules changes, and eliminating and updating out of date information. However, the most important change is within Chapter 5, Reclamations, and is specific to what to do upon notification of death with payments already posted and what to do upon notification of death with subsequent payments.
Financial institutions receiving government payments are encouraged to review and be familiar with these changes and we suggest a comparison to your internal policies, procedures, disclosures, and processes. Don’t miss this session where we will identify the changes and impacts to Receiving Depository Financial Institutions while providing conversation and suggested sound business practices. The changes include updates to the following:
- Enrollments – clarifying content regarding the use of the ENR SEC code
- ACH Payment Processing – clarifying content regarding the adoption of recent Nacha Rule Changes, clarifying content to Availability of Funds
- Returns – clarifying content regarding the addition of R20
- Death Notification Entries (DNE) and Flagging Examples
- Reclamations – updated information and clarification of content
- Requirements to Return Post-Death – new section
- What to do Upon Notification of Death with Payments Already Posted and Subsequent Payments
- ACH Debit Authorizations – new section
- Notification of Change – new clarifying content
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Fallback Transactions - PALS Recorded Webinar
Both Visa and MasterCard have new products designed to improve processes around disputes and claims. Attend this session to learn about these dispute process changes and the impact they will have on your institution. Topics include:
- How to protect your chargeback rights
- What liability concerns of fallback transactions you should be aware of
- What industry impact that Petroleum liability extensions have had
Learn how to prepare your financial institution for fallback transactions and the potential fraud your financial institution may be exposed to under the rules of the payment processing network.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Federal Reserve's Security & Resiliency Assurance Program - COMPLIMENTARY POWER HOUR
A comprehensive overview of the Federal Reserve Bank's Security and Resiliency Assurance Program (SRAP) with time for Q&A. This session is intended to be an informative session where covered organizations can gain a better understanding of the program, how they are affected, what actions need to be taken to comply with the FRBs SRAP requirements, with remaining time for Q&A. The SRAP requirements became mandatory in January 2021, for any organization that implements a FedLine Access Solution and/or user Federal Reserve Bank Services and attestations are required annually.
Speakers:
Michael Ram, CISSP, CFCP, CDPSE - Knowledge Leader in Information Security and Risk Management - Federal Reserve Bank’s Customer Relations and Support Office (CRSO), Federal Reserve Bank of Chicago
Peter Nikoloff - Risk Management Analyst in the FedLine Resiliency & Compliance Group - Federal Reserve Bank’s Customer Relations and Support Office (CRSO), Federal Reserve Bank of Chicago
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration.
Recording Only
Member Price: Complimentary!
Click here to register
FraudClassifier Model - COMPLIMENTARY POWER HOUR
Join us as Andres Rapela with the Federal Reserve Bank provides an introduction to the FraudClassifier Model that was introduced earlier this year.
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Government Reclamations - PALS Recorded Webinar
Federal Government Payments delivered via ACH are subject to specific rules and liabilities outlined within The Green Book. When it comes to government reclamations, many institutions may find the rules, timeframes and liabilities difficult to understand. This session will highlight the rules, how to limit your liability, and cover the recent updates related to government reclamation.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Handling ACH Exceptions - PALS Online Course
Financial Institutions can suffer big losses if ACH exceptions are not handled properly. We will discuss the timelines for handling the various types of exceptions, take a close look at some of the new return reason codes and compare R10 and the new R11. Understanding the process and using the proper return reason codes will help minimize risk and liability
AAP/APRP credits - 0.6
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Handling ACH Adjustments - PALS Online Course
This course provides a basic understanding of handling ACH adjustments utilizing the proper time frames involved. During this course you will become familiar with the topics listed below:
• Understanding Participant Agreements
• Defining Regulation E & The Nacha Operating Rules
• The Requirements of Written Statement of Unauthorized Debit
• Processing Consumer Disputes
• Managing Non-Consumer Disputes
• Understanding Limitation on Warranty Claims
AAP/APRP credits - 0.5
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Handling Check Exceptions - PALS Recorded Webinar
Handling Check exceptions is usually an automated process. However, there are always exceptions that leave you pondering, “how do I handle this return or check adjustment”? Join us as we examine how you can better understand the check return process, rules, and vital return requirements.
Areas Covered in this Session:
- Review of Return Codes
- Summary of UCC Midnight Deadline
- Overview of Expeditious Return Deadline
- Understanding Crucial Return Time Frames
- Handling Late Returns & Adjustments
- General Scenarios and Best Course of Action
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Meaningful Modernization is Coming to the ACH Rules - PALS Recorded Webinar
5 Amendments to the Nacha Operating Rules effective September 17, 2021
Will Your Originators Need to Review Consumer Debit Authorization Language to Ensure the Minimum Data Elements are Included?
The Rules and process for handling transactions will continue to change within ACH as Nacha looks to improve the user experience. These Rules will be effective September 17, 2021, and are intended to provide clarity with new authorization requirements and flexibility with for the different types of ACH SEC codes. This session will provide you with the minimum data elements and specifically the five Rules will:
- Explicitly define the use of standing authorizations for consumer ACH debits
- Define and allow for oral authorization of consumer ACH debits beyond telephone calls
- Clarify and provide greater consistency of ACH authorization standards across payment initiation channels
- Reduce the administrative burden of providing proof of authorization
- Better facilitate the use of electronic and oral Written Statements of Unauthorized Debit
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
ACH Summer Series - Most Popular SEC Codes - PALS Recorded Webinar
Do you have a new employee or someone that needs a little refresher? Send them to Summer Camp!
This session will focus on the most popular SEC codes, their authorizations and return timeframes.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Nacha Rules vs Regulation E - PALS Recorded Webinar
Financial institutions must adhere both to the Nacha Rules and to Regulation E and sometimes is seems they are in conflict. We will help you understand liabilities, electronic check conversion, statement requirements, unauthorized vs. error resolutions and the proper handling of stop payments and more. Who has the obligation and the liability within the transaction? Join this lively session as we sort through the confusion.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Online Account Opening Fraud - COMPLIMENTARY POWER HOUR
As online account opening become more prevalent fraudsters are more than willing to accept that invitation. Do you offer online account opening? Do you have sound business practices in place to help mitigate fraud? Join us as we spotlight some case studies and discuss what could have been done to protect the institution.
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Payments Update 2021 - PALS Recorded Webinar
Join us for our 2021 Payments Update. 2020 not only brought on unprecedented changes in our lives but in payments as well. In addition to the already scheduled changes for 2021, the Fall of 2020 brought eight NEW changes regarding egregious violations of the rules, a dramatic change for authorization warranties, and new opportunities for acquiring authorizations. We also anticipate additional changes to be coming soon!
Topics will include:
- New Same Day Third Window
- Commercially Reasonable Fraud Detection Standards for WEB Debits
- Unauthorized Entry Fee Adds R11 Returns
- Data Security Requirements for Account Information
- New Rules Changes from September 30, 2020 Ballot
- Addition of Egregious Definition Within Rules Enforcement
- Clarification on Permissible Usage of Reversals
- New Timeframes for Proof of Authorization
- Standing and Oral Authorization
- Authorization Changes Regarding Clarity, Flexibility and Consistency
- Alternative to Proof of Authorization
- Written Statement of Unauthorized Debit via Electronic/Oral Delivery
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
PCI Compliance - COMPLIMENTARY POWER HOUR
PCI Compliance & How We Can Better Protect ALL Merchant Data
Guest Speaker:
Darrel Anderson, FICB, FCSI, CCP, CIPP/C, CIPP/US
VP Compliance, Payroc
AAP credits 1.2
APRP credits 1.2
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
RDC/Check 2021 Fraud Updates - PALS Recorded Webinar
Fraudsters have a history of taking advantage of tragic situations. The surge of fraud with checks and mobile deposit capture during COVID-19 is a prime example. During this session, we will discuss the following:
- Indorsements
- Alterations
- Counterfeit/Forged Items
- Duplicate Deposits
Join us to discuss how best to protect you and your consumers from RDC/check fraud and general risk mitigation to avoid errors impacting liabilities.
.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Regulation E - ACH - PALS Recorded Webinar
What should we do in the case of an ACH dispute? Should we use the Nacha Operating Rules or Regulation E? The answer is … It depends on the timeframe involved. Join us as we analyze both the Nacha Operating Rules and Regulation E to provide guidance on which one to use in which situation.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Regulation E - Cards - PALS Recorded Webinar
Debit Card disputes are a constant frustration for many financial institutions. One of the challenges is the various timelines that must be followed to determine the consumer’s limited liability for disputed transactions. In this session, we’ll specifically look at the proper timeframes, provide best practices to ensure that you calculate the correct liability as allowed by Regulation E.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Regulation E - P2P - PALS Recorded Webinar
The last several years have seen a dramatic rise in P2P transactions. Perhaps some flowed through your online banking system via Zelle. Maybe they were initiated through another app like Venmo or CashApp. Either way, it can be a bit confusing when those transactions are being disputes. Join us as we sort through the various Terms and Conditions of those products and provide some clarity on how to handle disputes.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Regulation E Disputes - PALS Online Course
Financial institutions must ensure that they are correctly interpreting Regulation E and are compliant with all of the requirements for processing error disputes for debit card transactions and ACH. This course will review the error resolution process and the very specific requirements for disclosing information to your customers during the investigative process. Key topics include:
- Conditions for Consumer Liability
- How to Calculate the Consumer’s Liability
- Timely Notice Given vs Timely Notice Not Given
- Dispute Scenarios Quiz
AAP/APRP Credits - 0.6
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Regulation E for Frontline - PALS Recorded Webinar
This session is an introductory course to Regulation E. The regulation can cause confusion and potential audit exceptions for financial institutions. Join us as we provide the front line staff with a clear understanding of the a clear understanding of the regulation including compliant error resolution procedures and disclosure requirements.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Retail Payments Fraud Mitigation Strategy - A Complimentary Federal Reserve Session
Representatives from the Federal Reserve’s Retail Payments Office will share their observations on fraudulent payment activity and future initiatives that may help financial institutions with their risk mitigation processes.
This is an informational session, there are no continuing education credits for this session.
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Same Day ACH Origination Basics - PALS Online Course
This course will cover the basics of Same Day ACH, provide questions to consider as you evaluate your usage, the impacts on various participants and an implementation Checklist.
AAP/APRP credits - 0.5
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Stop Payments vs Authorization Revoked for Frontline - PALS Recorded Webinar
While the ACH Rules clearly segregate stop payments and revoked authorizations, Regulation E views both as "stop payments". Join us for a detailed session covering the ins and outs of revoked authorizations and stop payments. The financial institution's responsibility will be discussed in accordance to the NACHA Operating Rules and Guidelines with some reference to Regulation E. The viewer will leave with a clear understanding of the appropriate situations for both types of transactions. Whether you are new to banking or a seasoned employee, this is a session that you do not want to miss.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Tax Refunds Exceptions & Liabilities - Recorded Webinar
Most recently, the IRS processed more than 253 million tax returns and other forms and issued more than $452 billion in tax refunds. Incorrect handling of incoming tax refunds can make the Receiving Depository Financial Institution (RDFI) liable and create the possibility for large losses. This webinar covers the rights and requirements of each participant, proper handling of deposits for deceased recipients, account number and name matching, incorrect account numbers, and a thorough review to correctly handle exceptions. This session will help you learn how to minimize your financial institutions liability and understand what to do and not do.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
The Clearing House 2021 Update- COMPLIMENTARY SESSION
This complimentary session will include a 2021 update of The Clearing House. Topics will include:
- Who and what is The Clearing House
- An Electronic Payments Network (EPN) ACH Operator Update
- An RTP Update
This is an informational session, there are no continuing education credits for this session.
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
The Time is Now: Prepare for Instant Payments and the FedNowSM Service - COMPLIMENTARY SESSION
Through broad and historic collaboration, the Federal Reserve is paving the way for ubiquitous, instant payments in the United States with the development of the FedNow Service. Is your organization prepared for this transformation? With support for a broad range of transaction types and instant payments use cases, the FedNow Service will provide a springboard for financial institutions and other service providers to offer innovative instant payment solutions to the hyper digital businesses and consumers of tomorrow. Set to launch in 2023, now is the time to identify your organization’s instant payments opportunities, review your systems and processes, and talk to your service partners and customers so you won’t risk being late to the game.
Join PaymentsFirst and the Federal Reserve as we spotlight the importance of instant payments, review use cases and learn how industry stakeholders are informing the FedNow build through industry engagements and the FedNow Pilot Program. Leave this session with a better understanding of the business edge instant payments can offer as well as knowledge and resources to help your organization embrace instant payments.
Speakers:
Allen Young - VP Education - PaymentsFirst
Sallie O’Brien - Senior Director, Education - PaymentsFirst
Jodi Moore - Senior National Account Executive - Federal Reserve Bank
90 minute session
AAP / APRP credits 1.8
Webinar Recording is available for 90 days from registration
Recording Only
Member Price: Complimentary!
Click here to register
Unauthorized Checks and Timely Returns - PALS Recorded Webinar
Counterfeits, forgeries, altered checks, unauthorized Remotely Created Checks: What do you do when a customer tells you an unauthorized check has paid against their account? This session will review the UCC and Regulation CC warranties made by a Depositary Bank when it presents checks for payment to a Paying Bank, and the obligations of a Paying Bank when it pays unauthorized checks. Learn and understand timely return requirements as specified by the UCC Midnight Deadline for all returns and the Regulation CC expedited return warranty made by a Paying Bank when it returns a check. In addition, this session will help you understand the ECCHO Rule 9 warranty made in the exchange of counterfeits and forgeries under ECCHO governed exchanges.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Unclaimed Property Compliance - PALS Recorded Webinar
Join us as we review best practices and navigate through the changing landscape of unclaimed property and the laws which vary by state. We are going to review common errors made by financial institutions and consumers, with a good summary of compliance best practices for you to review and implement internally.
The speakers for this session were Mike Ryan with Linking Assets Inc. and Michael Unger with Crowe LLP
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Warranty Claims & Reversals - PALS Recorded Webinar
The upcoming Limitation on Warranty Claims Rule change will significantly impact the length of time an RDFI can make a warranty claim against an ODFI for proof of authorization. This change can shift liability for some transactions from the ODFI to the RDFI. Changes to Reversal Rules have been approved to help deter and prevent, as much as possible, improper use of reversals. Several changes make up this new Rule including a definition of an Egregious violation as a Class 2 or Class 3 Rules violations with sanctions for violations up to $500,000 per occurrence. Both of these changes can negatively impact untrained DFIs. This session will help you understand how to protect your liability and properly handle both warranty claims and reversals.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
What May Be Missing from Your ACH Audit - PALS Recorded Webinar
The Nacha Rules require an annual ACH Audit to be completed by December 31st of each calendar year for all participating DFI’s, Third-Party Senders, and Third-Party Service Providers. During this session we will discuss the technical requirements and what should be included in your ACH Audit based on the Nacha Operating Rules.
Areas Covered in this Session:
- Defining General Requirements for an ACH Audit
- Discuss the Requirements for the ODFI and RDFI
- Summarize Key Rule Requirements
- Examine Vital Compliance areas when preparing for an ACH Audit
- Review an Audit Planning Checklist
- Reviewing Sound Business Practices, Recommendations, and Possible Audit Findings
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
What May Be Missing from Your ACH Risk Assessment - PALS Recorded Webinar
The Nacha Rules require that an ACH Risk Assessment is performed in conjunction with the ACH Audit. The ACH Risk Assessment reviews access points, controls, policies, IT security and business continuity. Our trusted team will walk you through some key compliance areas and offer their expertise on what should be included in your ACH Risk Assessment.
Areas Covered in this Session:
- Defining General Requirements of an ACH Risk Assessment
- Summarize Key Regulatory Requirements
- Understanding Risk Rating – Residual & Inherent
- Review of Risk Management Controls and Oversight
- Examine Vital Compliance areas
- Reviewing Sound Business Practices & Recommendations
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Why Should We Offer International ACH? - PALS Recorded Webinar
International ACH transactions are now regulated under a Rule which requires Gateway Operators to classify payments that are transmitted outside of the territorial jurisdiction of the U.S. as International ACH transactions (IAT). IAT entries are more common every year and subject to both ACH Rules and OFAC. It’s important that your financial institution stay up-to-date on secure and efficient IAT processing. If you have customers transacting business internationally, this session will help you understand the requirements of Originating IAT entries and the countries who support direct bank ACH payments. It will provide information as you consider your options for serving your customer needs.
AAP/APRP credits 1.2
Webinar Recording is available for 90 days from registration
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400
Click here to register
Wire Transfer Basics - PALS Online Course
This course will provide an introduction to the basics of Wire Transfers. Topics include;
- Wire Transfers Defined
- Wire Transfer Participants
- Wire transfer Flow and Instruction
- Types of Wire Transfers & the Financial Institution's Role
- Types of Connections & Transmission
- Legal Framework for Wires
Credits - 0.4
Course is available for 90 days from start of course
Access to PALS is tied to individual login, Platinum Training members should use the Single Registration option
- Single Registration: $ 149
- Multiple Registrations 2-5: $349
- Multiple Registrations 6-9: $849
- Non-Member Registration: $400