“We’ve Always Done It This Way” Is Not a Payments Strategy I had a conversation recently at NEACH’s Future of Payments Symposium that stuck with me. We were talking about how easy it is to keep doing something simply because it’s the way it has always been do...
Recent BSA/AML Enforcement Offers an Important Reminder for Financial Institutions Recent BSA/AML enforcement activity has brought renewed attention to an important question for financial institutions: Are your compliance controls working as intended? Having policies, procedures, mo...
Beyond the Agreement: What MoneyLIVE Reinforced About Successful Fintech Partnerships I recently had the opportunity to represent NEACH Payments Group at MoneyLIVE North America in Chicago, joining banking leaders from BMO and Citi for a panel discussion on what it takes to build succe...
Treasury Management as a Growth Strategy: What Financial Institutions Should Prioritize Today As commercial clients demand faster onboarding, stronger fraud controls, and more integrated payment solutions, financial institutions are discovering that Treasury Management's greatest challenges ar...
The End of Beneficial Ownership Reporting Doesn’t End Beneficial Ownership Risk On August 11, 2026, the U.S. Department of the Treasury announced that the Financial Crimes Enforcement Network, or FinCEN, had issued a final rule permanently removing the requirement for U.S. compan...
Your Treasury Program May Be More Advanced Than the Infrastructure Supporting It As community banks expand treasury management services, outdated agreements, onboarding processes, and internal workflows may be creating risk and marketing reputation hiding in plain sight. Years ago...
Lessons Learned from Nacha Rule Violations When you hear about Nacha Rule Violations, it's easy to assume the issues stem from a major fraud event or a sophisticated scheme that could never happen at your institution. In reality, many ACH viol...
Your ACH Expert Is Not a Control Part 5 of the ACH Origination Maturity Series In this ACH Origination Maturity Series, we have looked at how ACH programs outgrow controls, how warning signs surface, what risk assessments reveal, and...
The Exposure Limit Was Approved. The Risk Changed. Part 4 of the ACH Origination Maturity Series In What ACH Risk Assessments Reveal That Audits Often Don’t , we looked at the assumptions and blind spots risk assessments often uncover, the risks that ...
What ACH Risk Assessments Reveal That Audits Often Don’t Part 3 of the ACH Origination Maturity Series In Five Signs Your ACH Origination Program May Have Outgrown Its Controls , we looked at several warning signs that an ACH program may have evolved beyond...
Five Signs Your ACH Origination Program May Have Outgrown Its Controls Part 2 of the ACH Origination Maturity Series In Has Your ACH Origination Program Outgrown Its Controls? , we introduced the larger question behind this series: whether ACH Origination programs are ma...
Has Your ACH Origination Program Outgrown Its Controls? Part 1 of the ACH Origination Maturity Series Most ACH origination programs do not become higher risk because of one decision, one customer, or one missed step. More often, risk develops gradually as ...