Risks to the payment system whether it is defined as operational, fraud or credit risk are greatly impacted and defined by settlement. As the ACH continues to roll towards true same day ACH Processing, financial institutions and their account holders need to have an understanding of how having Same Day ACH entries clearing and settling will impact them. This session will explore the unique threats that financial institutions face as it relates to faster settlement of ACH entries and with a focus on some threats that do not scream out to you like UDAAP violations.