2026 EDITION | INSTANT DIGITAL DOWNLOAD
RTP® Receive-Only Risk Assessment
The examiner-ready, auto-scoring risk assessment built specifically for receive-only RTP participants — 52 risk items across 7 domains, verified line-by-line against The Clearing House RTP Operating Rules and Participation Rules (effective September 30, 2026).
Get the Risk Assessment — $395Built for receive-only banks and credit unions
Your institution receives RTP payments but does not originate them — so a generic instant-payments risk assessment overstates your risk profile and wastes your team's time. This assessment covers exactly what a receive-only RTP participant must manage: 24x7x365 receipt operations, prefunded balance and settlement readiness, mandatory-accept obligations, fraud reporting, and BSA/AML and OFAC screening on inbound credits — nothing you don't need.
What's inside
Protected Excel Workbook
Auto-scoring risk register with 52 prewritten risk items, likelihood / impact / control-effectiveness scoring, controls checklist, live summary dashboard, and a board-ready executive report. Formulas and prefilled content are locked so the methodology stays intact.
Companion User Guide (PDF)
Step-by-step instructions, scoring methodology, and item-by-item context with citations to the RTP Operating Rules and Participation Rules — so every score you enter can be defended in front of an examiner.
Examiner-Ready Outputs
Heat-mapped domain dashboard, completion tracking, residual-risk ratings, and an executive report with prior-year trend fields — drop it straight into your board packet or exam response.
52 risk items. 7 domains. Zero blank-page syndrome.
Every risk item is prewritten with a description, rule citation, and suggested controls — your team only scores likelihood, impact, and control effectiveness. Coverage spans the full receive-only obligation set:
- Operational — 24x7 availability, mandatory accept, uptime, annual self-audit
- Compliance / BSA-AML — inbound screening, SAR/CTR, OFAC sanctions
- Fraud Risk Management — inbound fraud typologies, money-mule detection, camt.056 fraud reporting
- Technology & Cybersecurity — connectivity, ISO 20022 message processing, resilience
- Third-Party Risk — core processors, TPSPs, and TCH relationship management
- Liquidity & Settlement — prefunded balance account readiness and monitoring
- Regulatory / Legal — RTP Operating Rules, Participation Rules, and consumer-protection exposure
Frequently asked questions
What exactly do I receive?
Who is licensed to use it?
Is it current with the rules?
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Go beyond the assessment
The risk assessment documents your compliance — the RTP® Certificate Series trains your team. Eight one-hour classes with quizzes and a certificate of completion, covering RTP basics, payment flow, settlement, reconciliation, audit requirements, and returns.
Explore the RTP® Certificate SeriesBe ready before your examiner asks
Download the RTP® Receive-Only Risk Assessment and walk into your next exam with a completed, defensible, board-approved risk assessment.
Get Instant Access — $395This product is an educational self-assessment tool provided by Payments Professor. It does not constitute legal, regulatory, or compliance advice, and completing it does not guarantee compliance or examination outcomes. Institutions should consult their own counsel and compliance officers. RTP® is a registered service mark of The Clearing House Payments Company L.L.C. Payments Professor is not affiliated with, sponsored by, or endorsed by The Clearing House.
