VIP Exclusive
APRP Accredited Payments Risk Professional VIP Practice Exam III
APRP — The APRP (Accredited Payments Risk Professional) is a certification offered by Nacha, testing competency across ACH, card, check, wire, and emerging payment risk domains; the real exam consists of approximately 100 scored questions administered over 2.5 hours with a passing score near 75%.
29
Questions
150m
Time Limit
75.00%
To Pass
Question 1 of 29👑 VIP
A regional bank's ACH operations team notices that a Third-Party Sender (TPS) client has been submitting unusually large ACH credit batches on behalf of a newly onboarded sub-originator over the past three months. The sub-originator's return rate for unauthorized entries (R10) has climbed to 1.8% over the past 60-day rolling period, while the overall unauthorized return rate threshold under Nacha rules is 0.5%. The TPS argues that because it, not the sub-originator, is the contractual ODFI customer, the return rate metrics should be measured at the TPS level — where the blended rate is only 0.3%. Which party bears primary regulatory and contractual exposure under Nacha Operating Rules for this breach, and what is the MOST appropriate immediate action?
Questions 2–29 and full explanations are VIP-exclusive.