VIP Exclusive
APRP Accredited Payments Risk Professional VIP Practice Exam II
APRP — The APRP (Accredited Payments Risk Professional) credential is issued by Nacha (formerly NACHA) and tests mastery of payments risk management across ACH rules, fraud prevention, regulatory compliance, third-party sender oversight, and operational risk; the real exam consists of approximately 100 questions in a 3-hour proctored session with a 75% passing threshold.
29
Questions
90m
Time Limit
75.00%
To Pass
Question 1 of 29👑 VIP
A community bank serves as both an RDFI and an ODFI. Its risk team discovers that one of its business customers — a payroll-processing company — has been re-originating ACH entries on behalf of multiple sub-clients without a written Third-Party Sender agreement in place. Under Nacha Operating Rules, which party bears PRIMARY liability for these entries if they are returned for unauthorized reasons?
Questions 2–29 and full explanations are VIP-exclusive.