Carlos Ortiz Download: 2026 Wire Operations Benchmark Report Executive Summary Wire Operations at a Point of Transition Wire transfers continue to serve an important role in moving high-value and time-sensitive funds. Yet the operating environment surrounding t... Sep 14, 2026 Documents
Carlos Ortiz 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... Sep 4, 2026 Insights
Patricia Mullin 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May Be More Advanced Than the Infrastructure Supporting It As community banks expand treasury management services, outdated agreements, onboarding processes, and internal workflows may be creating risk and marketing reputation hiding in plain sight.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... Aug 28, 2026 Insights
Caitlyn Mullins 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... Aug 21, 2026 Insights
Sandy Roland 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... Aug 14, 2026 Insights
Sandy Roland 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 ... Aug 7, 2026 Insights
Sandy Roland 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... Jul 31, 2026 Insights
Sandy Roland 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... Jul 24, 2026 Insights
Sandy Roland 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 ... Jul 21, 2026 Insights
Sandy Roland Everything Seems Fine… Until It Isn’t 5 ACH Blind Spots Financial Institutions Often Overlook One thing I've learned after years of working with financial institutions is that ACH issues rarely happen because someone is ignoring the Rules... Jul 10, 2026 Insights
Carlos Ortiz What Nacha's Latest Proposals Tell Us About the Future of ACH Are We Solving the Right ACH Problems? The payments industry loves to talk about innovation. Yet at the same time, many financial institutions are still struggling with some of the most fundamental op... Jul 6, 2026 Insights
Carlos Ortiz Coastal Heritage Bank - From Strategic Assessment to an Executable Treasury Management Strategy The Challenge Coastal Heritage Bank operates in a highly competitive commercial banking environment and has made deliberate investments in talent, technology, and infrastructure to support the continu... Jun 30, 2026 Insights