Sandy Roland Everything Seems Fine… Until It Isn’t One thing I've learned after years of working with financial institutions is that ACH issues rarely happen because someone is ignoring the Rules. More often, they happen because everyone believes a re... Jul 10, 2026
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
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
Caitlyn Mullins Should Financial Institutions Outsource ACH Origination? As financial institutions continue to modernize their payments strategy, one question is surfacing more frequently: Should we build and manage ACH origination internally—or outsource it through third-... Jun 1, 2026
Heather Williams BSA Blind Spots: Reassurance for Officers Who Sense Risk Before They Can Explain It You passed your last exam. Your audit came back clean. On paper, everything looks fine — and yet something still doesn’t sit right. If you’re a BSA or AML Officer, that feeling is probably familiar. R... May 1, 2026
Heather Williams The Staffing Problem No One Wants to Say Out Loud Most BSA/AML failures I see don’t start with bad policies. They start with good people being placed into roles they weren’t prepared to carry alone. This isn’t about effort or intent. In most cases, t... Apr 24, 2026
Heather Williams What Boards Should Be Asking About BSA/AML (But Usually Aren’t) Boards and executive teams know BSA/AML oversight matters. Most receive regular reporting, approve policies, and review exam outcomes. Yet in my experience, many boards still struggle with a fundament... Apr 16, 2026
Patricia Mullin Treasury Management as a Growth Lever For many community banks and credit unions, treasury management has long been recognized as important—particularly for supporting business clients, stabilizing deposits, and strengthening relationship... Apr 9, 2026
Caitlyn Mullins Digital Banking Strategy Is Not an IT Project Digital banking has matured past “channel upgrades” and vendor implementations. Today, it reshapes how value is created, how risk is controlled, and how resilience is maintained. Industry perspectives... Apr 2, 2026
Heather Williams Passing Isn’t Proof: The Hidden Gap Between “Compliant” and “Effective” By Heather Williams, Director of BSA/AML Risk & Compliance, NEACH Payments Group For many boards and executive teams, a clean exam result brings relief. No findings. No major issues. No immediate foll... Mar 27, 2026
Sandy Roland Compliance, Audits, and Advisory Services | What’s the Difference — and Why It Matters In the payments and risk environment, the terms compliance, audits, and advisory services are often used interchangeably. While they’re closely related, they serve very different purposes. Understandi... Mar 23, 2026
Heather Williams You’re Not a Bank — So Why Is Your Bank Asking About AML & OFAC? Payroll providers are not banks—but they play a critical role in how money moves through the financial system. In this brief, practical overview, NEACH Payments Group explains why banks request AML an... Mar 23, 2026