Rayleen M. Pirnie
CEO, RP Payments Risk Consulting Services, LLC.
Rayleen is the founder and owner of RP Payments Risk Consulting Services, LLC. based in Missouri. She is a nationally recognized payments risk and fraud expert who offers specialized consulting services, procedural and risk management reviews, and payments education. Rayleen's specialized skill is delving into the world beyond the payment rules; areas where organizations often find themselves in positions of liability or loss with little to no clear guidance. She is an Accredited ACH Professional (AAP) who has worked with all payment systems for nearly 20 years, and a Certified Enterprise Risk Professional (CERP). Rayleen also holds a Bachelor of Science in Criminal Justice Administration.

Her favorite pastimes include gardening with her grandson and reading. She is very active with children's advocacy services in the state of MO and has 4 rescued dogs.
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Recorded Webinar
Investigating Unauthorized Electronic Funds Transfer Activity
A claim of unauthorized activity on consumer accounts does not have to mean a loss to the institution. The institution is obligated under Regulation E to investigate and resolve the claim, but a lack of network return options doesn't have to mean a write-off.
Recorded Session Get life time access for one participant with download option!

The Alarming State of Wire Transfer Fraud
Financial institutions face a myriad of threats, inside and outside of their online banking platform, when it comes to accepting and acting on Wire Transfer requests. Risk and possible frauds lurk around every email, phone, fax, or online banking request. This course provides attendees with a brief overview of current forms of wire transfer fraud with an emphasis on identifying and mitigating threats.
Recorded Session Get life time access for one participant with download option!

Vendor Due Diligence: The Cybersecurity Perspective
In most industries, you can contract away a responsibility or task, but not the liability of an attack or compliance expectations. This training program will examine key questions in case of a security breach. Whom will your customers hold liable? Who is going to get fined and possibly sued? At the end of the day, your organization will suffer the negative publicity, the reputation damage, and financial loss of the attack. This program will address vendor due diligence and security to better understand the risks your organization could face while outsourcing your business needs.
Recorded Session Get life time access for one participant with download option!

Advanced ACH - Sticky Situations: Handling Consumer ACH Disputes
This ACH training program will review common consumer issues and situations while handling ACH disputes. It will guide participants in deciding the appropriate course of action in given situations. Participants will also learn what to do when a customer/member won't complete a WSUD.
Recorded Session Get life time access for one participant with download option!

BSA - What's Hot in Payments
Explore topics where BSA impacts payments, particularly in areas where expectations are misunderstood or vague, including hot topics, examiner focus, third-parties, and more.
Recorded Session Get life time access for one participant with download option!

Online Account Opening Risk Management
While online account opening presents tremendous growth potential for financial services organizations, it also presents significant risk, particularly when funded using ACH. These risks can be controlled with proper due diligence for the online environment, account validation and enhanced online-specific risk controls. This course will evaluate practical risk management strategies providers can use to build a program appropriate for their risk appetite. The course covers both new consumer and business accounts, including deposit accounts, loans, credit and more.
Recorded Session Get life time access for one participant with download option!

Wire Fraud - Detection and Prevention
This training program will discuss common forms of wire fraud, including: account takeover (consumer, corporate, and financial institution); false invoices / money mules and advance fee frauds; business email compromise; and supply chain fraud. This session will take attendees into the wild world of wire fraud, focusing on fraud detection, mitigation and sound business practices to minimize the potential of loss.
Recorded Session Get life time access for one participant with download option!

ACH Returns: Timely vs. Extended
This webinar analyzes various aspects of ACH return handling from the RDFI perspective. RDFI’s must return entries correctly; failing to do so presents financial loss, rejected returns, and compliance issues. Join us to explore the proper use of return reason codes, deadlines, documentation required to initiate returns, and how consumer and corporate Standard Entry Class Codes can affect returns. Additional topics include Same-Day ACH returns, Federal benefit returns, stop payments, and more. Attendees will be presented with multiple real-life scenarios, some of which are not covered directly in the ACH Rules. These scenarios will test the participant’s knowledge of proper return handling.
Recorded Session Get life time access for one participant with download option!

Vendor Due Diligence: The Cybersecurity Perspective
In most industries, you can contract away a responsibility or task, but not the liability of an attack or compliance expectations. This training program will examine key questions in case of a security breach. Whom will your customers hold liable? Who is going to get fined and possibly sued? At the end of the day, your organization will suffer the negative publicity, the reputation damage, and financial loss of the attack. This program will address vendor due diligence and security to better understand the risks your organization could face while outsourcing your business needs.
Recorded Session Get life time access for one participant with download option!

The Alarming State of Wire Transfer Fraud
Financial institutions face a myriad of threats, inside and outside of their online banking platform, when it comes to accepting and acting on Wire Transfer requests. Risk and possible frauds lurk around every email, phone, fax, or online banking request. This course provides attendees with a brief overview of current forms of wire transfer fraud with an emphasis on identifying and mitigating threats.
Recorded Session Get life time access for one participant with download option!

Developing Comprehensive ACH Risk Assessments
This webinar breaks down the components of an effective ACH Risk Assessment for ODFI's and RDFI's and provides the participants with valuable resources to develop a Risk Assessment or measure their current program.
Recorded Session Get life time access for one participant with download option!

2017 ACH Rules Changes
The Automated Clearinghouse Network (ACH) has once again updated its processing Rules. This course will review important 2016 changes and evaluate upcoming 2017 Rules changes, highlighting impacts and obligations to Originators and financial institutions. The course agenda is intentionally broad to allow for added changes in early 2017, new definitions and addendums as they are issued.
Recorded Session Get life time access for one participant with download option!

Online Account Opening Risk Management
While online account opening presents tremendous growth potential for financial services organizations, it also presents significant risk, particularly when funded using ACH. These risks can be controlled with proper due diligence for the online environment, account validation and enhanced online-specific risk controls. This course will evaluate practical risk management strategies providers can use to build a program appropriate for their risk appetite. The course covers both new consumer and business accounts, including deposit accounts, loans, credit and more.
Recorded Session Get life time access for one participant with download option!

When Regulation E and ACH Don't Align
Financial institutions often find themselves in a position of trying to determine appropriate actions when Regulation E and the ACH Rules don't align or appear contradictory. This could put an institution in compliance with one and out of compliance with the other. This session explores areas where the two don't always align and provides handling recommendations.
Recorded Session Get life time access for one participant with download option!

Business Email Compromise and Ransomware - Effects and Mitigation
Cyber frauds affect everyone connected to the internet. They are costly and often times organizations which fall victim weren’t even aware the fraud existed, so they took no steps to minimize their exposure. This course will help prepare individuals for these pervasive forms of fraud and arm them with knowledge.
Recorded Session Get life time access for one participant with download option!

What you need to know about the FFIECs Mobile Financial Services Guidance
Financial institutions have suffered a long battle of protecting mobile payments and services when they cannot protect the device the information transmits from. Customers who use mobile financial services don't always take precautions to protect the device, leaving the payment and banking information vulnerable. Additionally, regulators found that some institutions were not employing strong security protocols, leaving payment and account information vulnerable and the institution open to significant risk.
Recorded Session Get life time access for one participant with download option!

Cyber Attack Incident Response Checklist, Testing & Resources - Going Beyond Disaster Recovery
This webinar training analyzes critical components of a Cyber Incident Response Plan and provides recommendations on how to prepare all staff for the inevitable situations. From internal considerations to your external solution providers, get a realistic view of how a cyber-attack can quickly spiral a typical day into complete chaos and cause significant losses without preparation. Attendees will receive a Cyber Incident Response Plan checklist to help their Incident Response Team analyze or develop a Plan.
Recorded Session Get life time access for one participant with download option!

ATM and POS Skimming Fraud
This training program will classify common forms of ATM skimming fraud, POS skimmers, and POS malware, and also identify appropriate mitigation strategies. The course will further analyze why EMV will not stop ATM fraud and POS skimming fraud.
Recorded Session Get life time access for one participant with download option!

Wire Fraud - Detection and Prevention
This training program will discuss common forms of wire fraud, including: account takeover (consumer, corporate, and financial institution); false invoices / money mules and advance fee frauds; business email compromise; and supply chain fraud. This session will take attendees into the wild world of wire fraud, focusing on fraud detection, mitigation, and sound business practices to minimize the potential of loss.
Recorded Session Get life time access for one participant with download option!

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