Caitlyn Mullins Charting the Future of Community Banking: Reflections from the CBWV CEO & Directors Conference Last week, I had the opportunity to attend the Community Bankers of West Virginia (CBWV) CEO & Directors Conference at Stonewall Resort. This gathering brought together community bank leaders, directo... Oct 2, 2025 Insights
Caitlyn Mullins Reflections from MoneyLIVE North America 2025: Innovation, Collaboration, and the Next Chapter of Payments Reflections from MoneyLIVE North America 2025: Innovation, Collaboration, and the Next Chapter of Payments This year’s MoneyLIVE North America brought together leaders across banking, fintech, and pay... Sep 24, 2025 Insights
Carlos Ortiz Strengthening Compliance and Collaboration: A Look Back at NEACH Payments Group’s Q2 Town Hall At NEACH Payments Group’s second quarter Client Town Hall, compliance professionals, advisors, and financial leaders gathered with a shared purpose: to strengthen their programs, exchange insights, an... Sep 19, 2025 Insights
Caitlyn Mullins Community Banking is Far From Dead: Reflections from the PACB Annual Convention Community Banking is Far From Dead: Reflections from the PACB Annual Convention Community banking is alive, vibrant, and more essential than ever. That was the clear message that came through during t... Sep 18, 2025 Insights
Caitlyn Mullins Collaborating for Compliance: Building a Guide to the 2026 Nacha Rule Changes In the payments industry, change is a constant. Rules evolve to keep pace with fraud trends, technology, and customer expectations. For many financial institutions and payment providers, the challenge... Sep 8, 2025 Insights
Caitlyn Mullins Same Day ACH Returns - Visualized Why Isn’t Everyone Using Same-Day ACH Returns? Same-Day returns offer significant benefits—so why aren't more financial institutions taking advantage of them? Every FI seems to have its own reasons, b... Jul 28, 2025 Insights
Caitlyn Mullins Audit Requests Surge—How to Prepare for Nacha's Demands Nacha has announced it will begin selecting 460% more financial institutions each month to prove completion of their annual ACH compliance audits. Historically, Nacharandomly selects 125 Financial Ins... Jul 8, 2025 Insights
Caitlyn Mullins Think Sanctions Are Just for Banks? Treasury Fine Proves Otherwise Think Sanctions Are Just for Banks? Treasury Fine Proves Otherwise U.S. Department of the Treasury fined a global logistics company yesterday. Key Logistics, based in DE, voluntarily disclosed its vio... Jul 3, 2025 Insights
Caitlyn Mullins FinCEN’s CIP Exception Final Order 📰 The end of last week brought potential changes for BSA/AML programs from FinCEN’s perspective. Friday, FinCEN issued a Final Order providing financial institutions greater flexibility for collecting... Jun 30, 2025 Insights
Caitlyn Mullins RE-OCURRING FINDING: RTP Disclosures 🤔 Problem RTP Network Participants are unsure of what to disclose to account holders regarding no foreign RTP payments. 📖 Rule - Operating Rule E. Prohibited Transactions. 2. Foreign Payments. “Foreig... Jun 20, 2025 Insights
Caitlyn Mullins Stop the Disclaimer: Why Financial Institutions Can’t Opt Out of Fraud Responsibility for Business Accounts We often find through NEACH Payments Group (NPG) Audits, Risk Assessments, and other Consulting services that institutions disclose in account agreements for business clients that the institution shal... Jun 9, 2025 Insights
Carlos Ortiz Corporate ACH Origination: A Strategic Opportunity for Financial Institutions In today’s digital-first economy, businesses demand payment solutions that are fast, reliable, and cost-effective. Yet, many financial institutions have yet to fully embrace one of the most powerful t... Jun 9, 2025 Insights