2026 EDITION | INSTANT DIGITAL DOWNLOAD
RTP® Send & Receive with RfP Risk Assessment
The examiner-ready, auto-scoring risk assessment for RTP participants running the full capability stack — receive, send, and Request for Payment. 76 risk items across 8 domains, including a dedicated 12-item RfP domain, verified against The Clearing House RTP Operating Rules and Participation Rules (effective September 30, 2026).
Get the Risk Assessment — $495Built for full-capability RTP participants
Request for Payment is the highest-scrutiny RTP capability: the RfP warranty and legitimate-purpose requirement, due diligence on requestors, monthly monitoring of RfP activity, consumer Regulation E protections, and UDAAP exposure all land on your institution. This assessment covers receive, send, RfP, and indirect send / on-behalf-of arrangements in one workbook — so your risk assessment matches your actual participation profile.
What's inside
Protected Excel Workbook
Auto-scoring risk register with 76 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 — including the RfP warranty provisions — so every score 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.
76 risk items. 8 domains. Including a dedicated RfP domain.
Every risk item is prewritten with a description, rule citation, and suggested controls — your team only scores likelihood, impact, and control effectiveness:
- Operational (10) — prefunded balance management, uptime, self-audit, irrevocability
- Compliance / BSA-AML (9) — screening, SAR/CTR, OFAC, CDD
- Fraud Risk Management (9) — APP fraud, mules, camt.056 fraud reporting
- Technology & Cybersecurity (9) — connectivity, ISO 20022, credential security
- Third-Party Risk (7) — TPSPs, PBA bank, TCH relationship
- Origination Risk (10) — authorization, beneficiary verification, real-time screening
- Request for Payment (12) — RfP warranties, due diligence, permissible use, Reg E, UDAAP, pain.013/pain.014
- Indirect Send & On-Behalf-Of (10) — IDS/OBO arrangements, funding-manager dependency, liability
Frequently asked questions
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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® Send & Receive with RfP Risk Assessment and walk into your next exam with a completed, defensible, board-approved risk assessment.
Get Instant Access — $495This 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.
