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Certification: AAP Prep Training

Certification: AAP Prep Training

Certification Overview: While not affiliated with NACHA or its Regional Payments Associations (RPA), this Certification will provide any professional seeking to take the annual AAP a complete review and foundational training into the many complex areas covered by the AAP exam. See Full Course Details (PDF)

What You'll Learn
Upon completion, you’ll be equipped to:

  • Understand the structure, participants, and governance of the ACH Network
  • Interpret and apply NACHA Operating Rules and federal regulations related to ACH
  • Navigate the technical components of ACH file formats and record structures
  • Manage origination, settlement, exception handling, and return processes
  • Evaluate ODFI and RDFI roles, responsibilities, and risks
  • Conduct effective ACH risk assessments and implement appropriate controls
  • Identify key fraud risks within ACH transactions and apply mitigation strategies
  • Prepare for audits, regulatory examinations, and internal compliance reviews


This On-Demand Certification takes approximately 8 hours to complete. See full curriculum below.

Standard Price:
$1,295.00
$1,295.00
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Description

See full course details (PDF)

Certification Overview: While not affiliated with NACHA or its Regional Payments Associations (RPA), this Certification will provide any professional seeking to take the annual AAP a complete review and foundational training into the many complex areas covered by the AAP exam.

Courses Included in Certification:

  • Basics of ACH Network and Rules Surrounding the Process
  • ACH File Format and Technical Specifications 
  • ACH Origination and ODFI Obligations 
  • ACH Processes, Prenotes, NOCs, Reversals, Re-initiations and Commercial Reclamations 
  • ACH Returns and RDFI Responsibilities 
  • ACH Risk Assessment and Management 

The Accredited Automated clearing house Professional (AAP) is awarded by NACHA, or the National Automated Clearinghouse Association, to recognize electronic banking payments professionals who have satisfied a comprehensive exam in October. 

The AAP designation is recognized nationwide as an indicator of a person who has satisfied the in the industry requirements in payments compliance, regulatory standards, and industry case studies.

This Certification takes approximately 8 hours to complete. 

Full Curriculum 

Module 1: The ACH Network 

  • ACH Participants and Roles 

  • Settlement and Processing Windows 

  • Return Codes and Their Purpose 

  • Federal Reserve and Private Sector Operators 

  • Originators and Receivers 

  • RDFIs and ODFIs 

  • ACH Rules and Compliance Overview 

Module 2: ACH File Format and Technical Specifications 

  • File Structure and Record Layouts 

  • File Headers and Trailers 

  • Batch Headers and Control Records 

  • Entry Detail Records and Addenda 

  • SEC Codes and Their Uses 

  • Common Formatting Errors 

Module 3: ACH Origination and ODFI Obligations 

  • Origination Risk and Exposure 

  • Originator Agreements and Responsibilities 

  • Cutoff Times and Settlement Timing 

  • Prenotification Entries 

  • File Creation and Transmission 

  • ACH Authorization Requirements 

Module 4: ACH Exceptions, Reversals, and Reclamations 

  • Notification of Change (NOC) 

  • Reversals and Re-Initiations 

  • Commercial and Government Reclamations 

  • Unauthorized Entry Claims 

  • Return Reason Codes and Requirements 

  • Handling Entry Errors and Corrections 

Module 5: ACH Returns and RDFI Responsibilities 

  • RDFI Role and Obligations 

  • Handling Returns Timely and Accurately 

  • Return Notification and Formatting 

  • Account Verification 

  • Account Status and Exception Processing 

  • Dispute Resolution and Error Claims 

Module 6: ACH Risk Management 

  • ACH Risk Categories and Controls 

  • Risk Assessment Best Practices 

  • ACH Compliance Checklist 

  • Operational and Credit Risk 

  • Third-Party Senders and Service Providers 

  • Monitoring, Auditing, and Documentation 

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