Secura Risk Management / Founder

Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations.

Terri is an Advanced Certified Anti-Money Laundering Specialist, an At-Risk Adult Crime Specialist and an Accredited ACH Professional. Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri also served as the President of GACHA, a non-profit, regional payments association where she provided strategic direction for financial institutions in the payments industry. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District.

Upcoming Events

Upgrading Your BSA/AML/OFAC Program to Align With External Threats
22
Aug

Upgrading Your BSA/AML/OFAC Program to Align With External Threats

August 22, 2022

There is a significant shift in the BSA/AML industry to streamline current risk management controls to align with external threats.  Based on […]

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Wire Transfer Basics for New Employees and Refresher for Existing Employees
23
Aug

Wire Transfer Basics for New Employees and Refresher for Existing Employees

August 23, 2022

This webinar covers the basics of wire transfer and is great for new employees or as a refresher for existing employees.  Areas […]

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Treasury Underwriting for ACH and Remote Deposit Capture: Differentiating between Credit vs Deposit Underwriting
25
Aug

Treasury Underwriting for ACH and Remote Deposit Capture: Differentiating between Credit vs Deposit Underwriting

August 25, 2022

This Treasury webinar will provide attendees with actionable best business practices for credit/lending officers to use when approving or declining new ACH […]

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Understanding the Difference Between: Money Service Businesses, Money Transmitters, and Agents of Money Transmitters
25
Aug

Understanding the Difference Between: Money Service Businesses, Money Transmitters, and Agents of Money Transmitters

August 25, 2022

Understanding the difference between MSBs, Money Transmitters and agents of money transmitters are important to determine the level of risk and required […]

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Virtual Currency Risk Awareness and Client Education
31
Aug

Virtual Currency Risk Awareness and Client Education

August 31, 2022

Virtual currencies are commonly targeted by hackers and criminals who perpetrate fraud. There is no assurance of recourse if virtual currency is […]

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Handling Reclamations and Death Notification Entries (DNEs) – Requirements and Best Business Practices
31
Aug

Handling Reclamations and Death Notification Entries (DNEs) – Requirements and Best Business Practices

August 31, 2022

Processing ACH payments from the Federal Government can be a challenge based on the decision to post, return and those situations requiring […]

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BSA and OFAC Fundamentals for New Employees and Refresher for Existing Employees
08
Sep

BSA and OFAC Fundamentals for New Employees and Refresher for Existing Employees

September 8, 2022

This program designed to provide new employees in client facing or other key areas an overview of the requirements of a BSA/AML […]

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Basics of Fair Lending
13
Sep

Basics of Fair Lending

September 13, 2022

Fair lending is a complex regulation and is a compliance priority for all regulators. This webinar focuses on fair lending compliance. It […]

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Upcoming Events

Debit Card and ACH Reg E Error Resolution: Questions, Scripts and Standards
17
Jun

Debit Card and ACH Reg E Error Resolution: Questions, Scripts and Standards

June 17, 2020

Debit Card and ACH disputes become an integral part of a financial institutions requirements to comply with Regulation E. What questions do […]

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Debit Card and ACH Reg E Error Resolution: Questions, Scripts and Standards
04
Feb

Debit Card and ACH Reg E Error Resolution: Questions, Scripts and Standards

February 4, 2020

Debit Card and ACH disputes become an integral part of a financial institutions requirements to comply with Regulation E. What questions do […]

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Performing a GAP Analysis on Your ACH and Wire Transfer Program
23
May

Performing a GAP Analysis on Your ACH and Wire Transfer Program

May 23, 2019

The FFIEC requires that financial institutions manage the risks associated with using the ACH and wire transfer networks to transmit retail and […]

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Regulation E Dispute Training for ACH Unauthorized, Stop Payments, Debit Card and ATM Disputes (May)
20
May

Regulation E Dispute Training for ACH Unauthorized, Stop Payments, Debit Card and ATM Disputes (May)

May 20, 2019

Regulation E is often time the most confusing regulation for the front line and back office to understand; however, it is a […]

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Traditional and Online Account Opening: Differences, Similarities and Managing Your Risks
14
May

Traditional and Online Account Opening: Differences, Similarities and Managing Your Risks

May 14, 2019

The account opening process for consumer and commercial clients creates risk exposure to any financial institution and can carry increased risks. This […]

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Remote Deposit Capture (RDC) Risk Management Program: Managing Risk Effectively and Efficiently
09
May

Remote Deposit Capture (RDC) Risk Management Program: Managing Risk Effectively and Efficiently

May 9, 2019

Remote Deposit Capture just like other payment collection systems have guidance, laws and rules that are required for a financial institution to […]

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Garnishments, Levies and Subpoenas Training for Your Front Line and Back Office (New for 2019!)
01
May

Garnishments, Levies and Subpoenas Training for Your Front Line and Back Office (New for 2019!)

May 1, 2019

Federal law requires banks to periodically reassess their garnishment procedures. Financial institutions have a responsibility to determine where funds originated and if those funds are […]

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ACH Exception Processing for ODFI/RDFI: Regulatory, Network and Costs of Non-Compliance
09
Apr

ACH Exception Processing for ODFI/RDFI: Regulatory, Network and Costs of Non-Compliance

April 9, 2019

This critical payments webinar takes attendees through network and regulatory expectations for handling the top 5 origination and receiving exception item handling. […]

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Account Officer Training – ACH/RDC Credit and Transactional Underwriting, Exposure Limits and Periodic Reviews
08
Apr

Account Officer Training – ACH/RDC Credit and Transactional Underwriting, Exposure Limits and Periodic Reviews

April 8, 2019

Account officers/relationship officers may not understand the regulatory requirements for assessing the risks of ACH and RDC clients. What is the difference […]

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2019 Regulation E Error Resolution Training for Front-Line: Asking the Right Questions and Handling the Investigation
16
Apr

2019 Regulation E Error Resolution Training for Front-Line: Asking the Right Questions and Handling the Investigation

April 16, 2019

Regulation E is often the most confusing regulation for the front line to understand; however, it is a regulation that is critical […]

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ACH/RDC Regulatory Credit Training: Exposure Limits, Periodic Reviews and Regulatory Risk Expectations
26
Apr

ACH/RDC Regulatory Credit Training: Exposure Limits, Periodic Reviews and Regulatory Risk Expectations

April 26, 2019

Account officers/relationship officers may not understand the regulatory requirements for assessing the risks of its ACH and RDC clients. What is the […]

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ACH Originator and Third-Party Sender Training on the 2019 NACHA Operating Rules Changes and Fraud Trends
29
Apr

ACH Originator and Third-Party Sender Training on the 2019 NACHA Operating Rules Changes and Fraud Trends

April 29, 2019

Each year, the National Automated Clearing House Association (NACHA) publishes its Rules that outline the requirements for all participating depository financial institutions […]

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Debit Card Disputes – Consumer Notification to Closing Investigation
10
Jun

Debit Card Disputes – Consumer Notification to Closing Investigation

June 10, 2019

Debit Card disputes become an integral part of a financial institutions requirements to comply with Regulation E. What questions do you ask […]

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2019/2020 NACHA Rules Changes: Impacts to your Business Practices, Payments Strategies, and Industry Initiatives
07
Feb

2019/2020 NACHA Rules Changes: Impacts to your Business Practices, Payments Strategies, and Industry Initiatives

February 7, 2019

It is important that all financial institutions stay abreast of the upcoming network Rules to comply with network and regulatory requirements while […]

Register Now
Regulation E Compliance, Debit Card Disputes, ACH Unauthorized, Remittance Transfers, Stop Payments and RegTech
25
Mar

Regulation E Compliance, Debit Card Disputes, ACH Unauthorized, Remittance Transfers, Stop Payments and RegTech

March 25, 2019
Pages

Debit Card disputes, ATM Disputes, ACH Unauthorized, Remittance Transfers and Stop Payments are an integral part of a financial institutions requirements to […]

Register Now
ACH Originator and Third-Party Sender Training on the 2019 NACHA Operating Rules Changes and Fraud Trends
21
Feb

ACH Originator and Third-Party Sender Training on the 2019 NACHA Operating Rules Changes and Fraud Trends

February 21, 2019

Each year, the National Automated Clearing House Association (NACHA) publishes its Rules that outline the requirements for all participating depository financial institutions […]

Register Now
Call Center/Client Facing Fraud Management: Important Red Flags for Identifying Fraud
22
Feb

Call Center/Client Facing Fraud Management: Important Red Flags for Identifying Fraud

February 22, 2019

Call centers and departments responsible for receiving customer calls are feeling the increasingly numbers of fraud attempts and have even been the […]

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Auditing Your Payments and BSA/AML Program for Elder Financial Exploitation Gaps
27
Feb

Auditing Your Payments and BSA/AML Program for Elder Financial Exploitation Gaps

February 27, 2019

Today, elder financial exploitation has increased based on the significant wealth in the elder population.  Regulatory expectations have also increased based on […]

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Documenting Wire Transfer Risk Assessment
28
Feb

Documenting Wire Transfer Risk Assessment

February 28, 2019

The FFIEC requires that financial institutions manage the risks associated with using the wire transfer networks to transmit wholesale payments. Wire program […]

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Wire Transfer Gaps that Will Open the Door to Fraudsters
06
Mar

Wire Transfer Gaps that Will Open the Door to Fraudsters

March 6, 2019

Wire Transfer is a credit only, irrevocable and immediate payment system which makes it unfortunately a haven for fraudsters. Many financial institutions […]

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Remote Deposit Capture RDC for 2019 – Rules, Regs, Risks and Reg CC
07
Mar

Remote Deposit Capture RDC for 2019 – Rules, Regs, Risks and Reg CC

March 7, 2019
Pages

This all new RDC webinar, from BankersHub who created the original “RDC – Rules and Regs” webinar, will take attendees through all […]

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Debit Card Disputes – Consumer Notification to Closing Investigation
08
Mar

Debit Card Disputes – Consumer Notification to Closing Investigation

March 8, 2019

Debit Card disputes become an integral part of a financial institutions requirements to comply with Regulation E. What questions do you ask […]

Register Now
BSA Customer Risk Scoring Model: Account Opening Through Duration of Customer Relationship
08
May

BSA Customer Risk Scoring Model: Account Opening Through Duration of Customer Relationship

May 8, 2019

BSA risk scoring is an important control for ensuring that the risk profile for your customer base is appropriately scored based on […]

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Account Officer Training on ACH/RDC Credit and Transactional Underwriting, Setting Exposure Limits and Performing Periodic Reviews
11
Mar

Account Officer Training on ACH/RDC Credit and Transactional Underwriting, Setting Exposure Limits and Performing Periodic Reviews

March 11, 2019

Account officers/relationship officers may not understand the regulatory requirements for assessing the risks of ACH and RDC clients. What is the difference […]

Register Now
Top Corporate Customer Fraud Threats and Mitigation Tools
06
Feb

Top Corporate Customer Fraud Threats and Mitigation Tools

February 6, 2019

Your corporate customers are being targeted by fraudsters every day. From social engineering attacks to malware attacks, corporate customers are surrendering their […]

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2019/2020 NACHA Rules Changes: Impacts to your Business Practices, Payments Strategies, and Industry Initiatives
15
Apr

2019/2020 NACHA Rules Changes: Impacts to your Business Practices, Payments Strategies, and Industry Initiatives

April 15, 2019

It is important that all financial institutions stay abreast of the upcoming network Rules to comply with network and regulatory requirements while […]

Register Now
Best Business Practices for Risk Rating Treasury Clients
22
Jan

Best Business Practices for Risk Rating Treasury Clients

January 22, 2019

Regulatory guidance and network rules require that financial institution perform appropriate due diligence prior to approval.  Financial institutions struggle with understanding how […]

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Regulation E Dispute Training – ACH Unauthorized, Stop Payments, Debit Card and ATM Disputes
31
Jan

Regulation E Dispute Training – ACH Unauthorized, Stop Payments, Debit Card and ATM Disputes

January 31, 2019

Regulation E is often time the most confusing regulation for the front line and back office to understand; however, it is a […]

Register Now
ACH Originator and Third-Party Sender Training on the 2019 NACHA Operating Rules Changes and Fraud Trends
07
Jan

ACH Originator and Third-Party Sender Training on the 2019 NACHA Operating Rules Changes and Fraud Trends

January 7, 2019

About this Event Each year, the National Automated Clearing House Association (NACHA) publishes its Rules that outline the requirements for all participating […]

Register Now
Remote Deposit Capture (RDC) Risk Management Program: Managing Risk Effectively and Efficiently
15
Jan

Remote Deposit Capture (RDC) Risk Management Program: Managing Risk Effectively and Efficiently

January 15, 2019

Remote Deposit Capture just like other payment collection systems have guidance, laws and rules that are required for a financial institution to […]

Register Now
ACH/RDC Regulatory Credit Training: Exposure Limits, Periodic Reviews, and Regulatory Risk Expectations
24
Jan

ACH/RDC Regulatory Credit Training: Exposure Limits, Periodic Reviews, and Regulatory Risk Expectations

January 24, 2019

Account officers/relationship officers may not understand the regulatory requirements for assessing the risks of its ACH and RDC clients. What is the […]

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Other Instructors

Nick Bonnema

Nick Bonnema
David Peterson

David Peterson
Mark Davis

Mark Davis