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Remote Deposit Capture, just like other payment collection systems have guidance, laws and rules that are required for a financial institution to utilize to help mitigate the risks involved and ensure compliance with its RDC Program. It is suggested that financial institutions regularly produce internal reports on the status of their RDC service.

Financial institutions and their customers are legally obligated to comply with laws and regulations implemented to help prevent and detect money laundering and international terrorist financing

  • Define technical and regulatory terminology and how remote deposit capture works
  • Identify types of remote deposit capture, from merchant capture to ATM and mobile capture
  • Explain the exception item process, and general legal and compliance framework
  • Details on performing risk assessments and implementing effective mitigating controls for performing customer due diligence reviews on the RDC customers,
  • Outline how Regulation E for consumer entries that are converted to ACH applies
  • Overview on FFIEC Guidance for Remote Deposit Capture (RDC)
  • Understand the development and recent growth in the use of the RDC technology
  • Identify risks involved to financial institutions that offer this service.
  • Understand appropriate risk management techniques in recently issued Federal Financial Institutions Examination Council (FFIEC) guidance.

Although RDC offers considerable benefits to financial institutions and their customers, the service is not without risks. The FFIEC guidance covers several issues that require management attention.

Included in this webinar is a basic understanding of remote deposit capture technology and workflow, business ‘best practices’ for managing and mitigating the risks of merchant and remote capture, plus tips on establishing and monitoring exposure limits and underwriting guidelines.

  • FFIEC Guidance on Remote Deposit Capture
  • Federal Reserve Bank laws and Electronic Check Clearing House Organization (ECCHO) rules for RDC
  • RDC and how Check 21 relates
  • Uniform Commercial Code for RDC
  • Agreements between you and your customers (commercial and consumers),
  • Regulation J relative to its connection with RDC
  • Regulation E for consumer entries that are converted to ACH.

  • ACH Operations staff
  • Compliance Officers
  • ACH Managers
  • Electronic Payments Professionals
  • AAP’s – keeping up with changes in ACH Rules and wanting to earn AAP Continuing Education Credits
  • Anyone who wishes to enhance their knowledge regarding different payment mechanisms

Donna K Olheiser, AAP, is the vice president of Education Services and founder of Dynamic Mastership, LLC. Donna is an enthusiastic and energetic Certified Master Trainer with over 14 years’ training experience. She has designed and facilitated over 100 training sessions each year with her expertise being the rules for companies and financial institutions when processing specifically ACH electronic payments, then scheduling the training events to facilitate/deliver the material through a variety of venues (webinars, teleseminars, in-person workshops, including regional and national conferences). Donna has over 24 years of experience in the financial services industry which includes 9 years’ experience as the education service director at a Regional Payments Association (RPA), where she managed and facilitated the entire education program for nearly 800 financial institution members. Prior to that, Ms. Olheiser spent 14 years in various departments with the Federal Reserve Bank of Minneapolis and also holds the Accredited ACH Professional (AAP) designation (achieved in 2004).

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