Nacha & Payment Rules Search demo
A question box for ACH and wire staff: a two-or-three-sentence answer with every claim footnoted to the rule passage, the facts that change it, and the deadline on a banking-day calendar 1:34
What the demo shows
Payment operators ask Nacha, Fedwire, FedNow and SWIFT rule questions and get cited answers
Staff type the question in their own words. Agents remove member details, search the rulebook editions in force on the date that matters and the credit union's procedures, and answer in two or three sentences, each claim footnoted with a chip that opens the exact passage, its edition and who approved it. Below the answer, the agent asks the one or two facts that change it (consumer or business account, settlement date), reads them from the core banking system and the ACH processing platform, and computes the deadline on a calendar that skips weekends and Federal Reserve holidays, with both R10 clocks and the credit union's own file cutoff. One click hands the return to ACH operations with the statement to sign and the entry drafted; a second specialist releases it. When two sources disagree or an edition is out of date, a checking agent refuses, shows both passages, says what is safe now and routes the question to the Payments Compliance Officer with a clock set by the cutoff. New editions and procedure changes are loaded with their effective dates and approved by a second person before the agents use them; refused questions are answered again when the fix is approved. Repeated questions from new staff become lessons, and every question is kept for the annual Nacha audit and NCUA examiners.
Transcript
- Nacha and Payment Rules Search gives payments staff cited answers from Nacha, Fedwire, FedNow and SWIFT.
- Nine hundred questions a month; one day counted wrong is a late return.
- Keoni asks: a debit settled August thirty-first was unauthorized. Can we still return it?
- Four agents search the editions in force and check every claim.
- Yes, as R10, once she signs a statement. Each chip opens the passage.
- The agent asks two facts: consumer account, settled August thirty-first.
- Day sixty is Friday, October thirtieth; it must arrive by Monday, November second.
- Keoni hands it to ACH operations; a second specialist releases it.
- When sources disagree, the checking agent refuses and routes the question to compliance.
- Editions and procedure changes need a second approver; every answer is kept for audit.
- Cited answers in seconds, deadlines on a calendar, four percent routed to compliance.
- Built on Botminds: agents, data, screens and governance on one platform.
The narration as written for the film. Captions are on the player.