Caitlyn Mullins-Smith
AAP, APRP, NCP
Vice President & Director
Caitlyn Mullins-Smith is a payments risk and ACH expert specializing in audits, risk assessments, and strategic consulting for financial institutions. As Vice President & Director at NEACH Payments Group, she works closely with banks, credit unions, and fintech partners to strengthen compliance programs, manage risk, and identify new revenue opportunities across the payments ecosystem.
With over a decade of experience in banking and payments, Caitlyn brings a practical, real-world perspective shaped by hands-on operational roles and executive-level advisory work. She has deep expertise in ACH origination, third-party sender oversight, fraud monitoring, and the evolving regulatory expectations impacting financial institutions.
Caitlyn holds the Accredited ACH Professional (AAP), Accredited Payments Risk Professional (APRP), and National Check Professional (NCP) certifications—demonstrating advanced knowledge across payments operations, risk management, and compliance frameworks.
In her role, Caitlyn leads complex consulting engagements including ACH audits, risk assessments, payments strategy development, and operational transformation initiatives. She frequently works with institutions navigating growth in treasury management, commercial ACH origination, and faster payments, helping them balance innovation with sound risk management practices.
She is also a recognized speaker and industry contributor, regularly presenting on topics such as ACH risk management, fraud monitoring expectations, payments strategy, and emerging payment technologies.
What Caitlyn Specializes In
- ACH Audits & Risk Assessments
- Payments Risk Management & Compliance
- Third-Party Sender (TPS) Programs
- Fraud Monitoring & Regulatory Expectations
- Payments Strategy & Revenue Development
- Faster Payments (RTP, FedNow, Same Day ACH)
