On Demand Course

ACH Originator Training: Complying with Authorization

Strengthen ACH compliance, reduce returns, and protect customer relationships. 

 Learning Objectives

After attending this course, you will be able to:

  • Identify the foundational requirements of a valid ACH authorization and the respective responsibilities of the originator and ODFI in obtaining and warranting authorizations
  • Differentiate the authorization requirements across common SEC codes — including PPD, CCD, WEB, TEL, and check conversion entries — and determine the appropriate SEC code based on how the authorization is obtained
  • Recognize the documentation and retention requirements for ACH authorizations and identify common mistakes that lead to authorization compliance failures
  • Identify the return reason codes associated with authorization deficiencies and the procedures required to monitor return rates and respond to authorization copy requests within the required timeframe
Kevin Olsen 1.6 CPE/ NASBA 1 HR
Included with Team Membership

About This Course

ACH authorizations are the foundation of compliant ACH activity, yet they remain a leading cause of disputes, unauthorized returns, and compliance risk. In this course, the Payments Professor explains what ACH originators must know to properly obtain, manage, and retain authorizations under the Nacha Rules. This webinar focuses on the practical responsibilities of originators, including how authorizations must be structured, documented, and maintained across different transaction types. Participants will learn key differences between consumer and corporate authorizations, one time versus recurring entries, and how authorization requirements vary for SEC codes such as WEB, TEL, PPD, CCD, and ARC.

 The webinar also highlights common authorization mistakes that lead to elevated return rates and rule violations. Attendees will gain clarity on authorization retention requirements, how to respond to disputes, and what documentation must be provided when a Receiving Depository Financial Institution requests proof of authorization. 

 Topics covered in this course

  • Authorization Fundamentals
  • Transaction Differences
  • Documentation & Retention
  • Disputes & Risk Reduction

Who Should Attend

  • Businesses
  • Municipalities
  • Third party senders

Your Instructor

Kevin Olsen
Kevin Olsen

Kevin Olsen is a certified AAP (Accredited ACH Professional), APRP (Accredited Payments Risk Professional), NCP (National Check Professional), as well as a certified NCP Instructor with additional computer network, database, and security settings. Over the past couple decades, Kevin has been involved with product creation, design, implementation, education, and consulting for multiple platforms within remote deposit capture, ACH, and faster payments. Kevin has worked with financial institutions of all sizes in multiple countries to create products services, departments, systems, teams, and results that help financial institutions become more productive, compliant, and secure.

CPE & Accreditation

This course qualifies for 1.6 CPE/ NASBA. Your certificate and transcript are available immediately upon completion.

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CPE/NASBA - QAS Self Study

Noggin Guru, Inc. dba Lorman Education Services and BankersHub is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

For more information regarding administrative policies such as complaint and refund, please contact our offices at 866-352-9539.

Please note: You must attend at least 50 minutes to obtain credit. Final CPE approval belongs with each state's regulatory board. Credit is based on a 50-minute credit hour.

For more detailed information about the course, including the outline, content, and objectives, please refer to the 'Description' tab on this webpage.

Field Of Study: Specialized Knowledge
Prerequisite: Basic knowledge of the banking industry, business, or law
Level of Knowledge: Intermediate
Advanced Preparation: None
Delivery Method: QAS Self Study

Requesting CE:
Upon completion of this course, please email creditrequest@nogginguru.com to obtain a CE certificate.

Training your team?

This course is covered under team memberships.

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Buying for yourself?
$ 199
Included with Team Membership
Training your team?

This course is covered under team memberships.

See Team Memberships
$ 199
per attendee