epcor Electronic Payments Core of Knowledge

Our office will be closed tomorrow, June 19, in observance of Juneteenth. ❤️💛💚

🕊️ As we honor this important day commemorating freedom, resilience and progress, we join communities across the nation in reflection and remembrance.

We look forward to serving you when we return to the office on Monday, June 22. 🗓️

🌐 isn't just an IT issue anymore, it's a trust issue.

🎥 In this month's Deep Dive, EPCOR President & CEO Brandie Thacker, AAP, CAE explores how community financial institutions can turn strong prevention practices into stronger client relationships.

Brandie shares insights on:

🛡️ The connection between fraud prevention and client confidence
🔐 Why secure, seamless digital experiences matter more than ever
🤝🏼 How industry collaboration helps institutions stay ahead of emerging threats

Trust remains one of the greatest advantages community financial institutions have. The institutions that pair strong security with strong relationships will be the ones that stand out. 🌟

🎬 Watch the full Deep Dive to learn more. ⤵️

🤔 What does "prompt" recredit actually mean?

When a client reports an as unauthorized, financial institutions must balance recredit requirements with investigation obligations under Regulation E. 🛡️

A closer look at the ACH Rules highlights important considerations around:

📝 Written Statements of Unauthorized Debit (WSUDs)
⏰ Regulation E investigation timelines
💸 Provisional credit requirements
🔐 Unauthorized transaction and first-party claims

Understanding how these requirements work together can help ACH, risk and teams navigate disputes more effectively while managing fraud risk and meeting regulatory obligations. 🤝🏼

💭 Ready to level up your wire transfer knowledge? We’ve packed the trail map with everything you need. 🎒

Whether you’re new to wire transfers, need a refresher or are training a new team member, Virtual Wire Transfer Day Camp is the perfect place to build a strong foundation. 🏕️

Join us August 12 for an interactive learning experience covering:

🔥 transfer fundamentals and the ecosystem
🧭 Rules, policies and agreements
🛡️ mitigation strategies
📘 20022 updates
🔄 Exception handling and return requests
🌎 International wire transfers

This isn’t your typical “sit and watch” virtual event. Expect live interaction, engaging discussions and practical takeaways you can apply right away.

🦉 Plus, EPCOR members who register three employees get one additional registration FREE! Gather your camp crew and register today. ⤵️

🦉✨ Happy National Mascot Day!

Today we’re celebrating the one who keeps EPCOR events a little brighter, a little more fun and that's always ready for a photo op: Hoot-E! 💙

He's always keeping an eye on the industry, helping members spread their wings and making every EPCOR event a real HOOT!

Today we're OWL about celebrating our favorite feathered friend! 🥳

🤗 We're excited to announce that 15 new organizations have joined the EPCOR family! 🦉

🎉 Join us in giving a warm welcome to all our new members!

That's a wrap on our Columbus Roundtable! 👏🏽

🤗 We want to thank everyone who joined us at Corporate One Federal Credit Union for an afternoon of meaningful discussion, shared experiences and practical fraud prevention insights. Your participation and expertise made for a valuable conversation! 💬

🚗 Next stop: Overland Park!

We're looking forward to doing it all again next week with another great group of professionals. 🙌🏽

don't just target large financial institutions. 🏦🎯

Organizations of every size can face losses from account opening , unauthorized return claims and other forms of first-party fraud.

To help detect potential warning signs before losses occur, consider:

🔍 Monitoring newly opened accounts
📊 Reviewing unusual transaction patterns
💸 Applying appropriate transaction limits
⚙️ Using risk-based controls

As first-party fraud continues to evolve across the landscape, financial institutions must remain vigilant while balancing effective risk management with a positive client experience.

🥳 Please join us in celebrating Raven Smith, AAP, AFPP, APRP, NCP, Senior Analyst, Payments, Risk & Compliance on her 5-year work anniversary with EPCOR! 🎉

📊 Raven brings deep expertise, thoughtful analysis and a practical approach to helping financial institutions and organizations address , risk and challenges every day.

Thank you for five years of hard work, professionalism and dedication to our members and the payments industry. We're grateful to have you on the EPCOR team! 💙👏🏽