ACH: More than just Nacha’s Rules
01/19/2020
Aren’t all rules for ACH transactions covered in the Nacha Operating Rules and Guidelines?
Rayleen M. Pirnie, AAP, CERP, is the founder and owner of RP Payments Risk Consulting Services, LLC. based in Missouri. She is a nationally recognized payments risk and fraud expert who offers specialized consulting services, procedural and risk management reviews, and payments education. Rayleen’s specialized skill is delving into the world beyond the payment rules; areas where organizations often find themselves in positions of liability or loss with little to no clear guidance. Her programs help organizations identify and mitigate risk and exposure.
She is an Accredited ACH Professional (AAP) and a Certified Enterprise Risk Professional (CERP) who has worked with all payment systems for over 20 years. Rayleen also holds a Bachelor of Science in Criminal Justice Administration.
01/19/2020
Aren’t all rules for ACH transactions covered in the Nacha Operating Rules and Guidelines?
08/04/2019
Our customer connected their checking account to a third-party payment app and now claims that a $4,000 ACH debit to their checking account is fraud (money went to the TP). They won’t complete a WSUD so we can’t return the entry. Do we have any recourse?
08/04/2019
Our customer connected their checking account to a third-party payment app and now claims that a $4,000 ACH debit to their checking account is fraud (money went to the TP). They won’t complete a WSUD so we can’t return the entry. Do we have any recourse?
07/28/2019
Our customer says they signed up for a free trial offer and gave their checking account number to pay for the S&H, but claim they didn’t want ongoing shipments. They want us to return the 4 ACH debits that hit their account. Can we return?
07/28/2019
Our customer says they signed up for a free trial offer and gave their checking account number to pay for the S&H, but claim they didn’t want ongoing shipments. They want us to return the 4 ACH debits that hit their account. Can we return?
07/21/2019
Our business customer says they have proof that another business fraudulently debited the customer’s account multiple times over the past 2 months via ACH CCD, then disappeared. Since they can’t get their money back from the other business, the customer wants the bank to return the transactions. Can we return the transactions with our customer’s “evidence” of fraud?
07/21/2019
Our business customer says they have proof that another business fraudulently debited the customer’s account multiple times over the past 2 months via ACH CCD, then disappeared. Since they can’t get their money back from the other business, the customer wants the bank to return the transactions. Can we return the transactions with our customer’s “evidence” of fraud?
07/14/2019
What are some solutions available to help our bank detect possible fraud faster? Does one solution work for every account type (business and consumer)?
07/14/2019
What are some solutions available to help our bank detect possible fraud faster? Does one solution work for every account type (business and consumer)?
07/07/2019
Our business customer has been debited 3 times by a business they don’t work with. All of the entries are PPDs that settled in the last 20 days. Do we have any recourse for our business customer?